Home > Compass Savings Bank > Performance and Condition Ratios
Compass Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1580% | 3,707 |
| Cost of funding earning assets | 2.4617% | 402 |
| Net interest margin | 1.6963% | 4,473 |
| Noninterest income to average assets | 0.3700% | 2,675 |
| Noninterest expense to average assets | 1.9905% | 3,658 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | -0.0446% | 4,409 |
| Return on assets (ROA) | -0.0446% | 4,391 |
| Pretax return on assets | -0.0446% | 4,378 |
| Return on Equity (ROE) | -0.6300% | 4,374 |
| Retained earnings to average equity (ytd only) | -0.6260% | 4,155 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 100.7531% | 178 |
| Assets per employee ($millions) | 8.7624% | 1,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5784% | 4,270 |
| Loan loss allowance to noncurrent loans | 130.8642% | 3,010 |
| Noncurrent assets plus other real estate owned to assets | 0.3962% | 1,402 |
| Noncurrent loans to loans | 0.4420% | 1,674 |
| Net loans and leases to total assets | 89.1200% | 52 |
| Net loans and leases to deposits | 112.0531% | 166 |
| Net loans and leases to core deposits | 128.0727% | 436 |
| Total domestic deposits to total assets | 79.5300% | 3,534 |
| Equity capital to assets | 6.9958% | 3,940 |
| Core capital (leverage) ratio | 7.0788% | 4,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1881% | 1,806 |
| Memoranda: | ||
| Average total assets | $60,487,400 | 4,211 |
| Average earning assets | $57,359,200 | 4,170 |
| Average equity | $4,313,000 | 4,326 |
| Average total loans | $54,484,000 | 3,781 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1083% | 3,646 |
| Cost of funding earning assets | 2.3479% | 364 |
| Net interest margin | 1.7604% | 4,489 |
| Noninterest income to average assets | 0.4500% | 2,198 |
| Noninterest expense to average assets | 1.9510% | 3,713 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.1283% | 4,292 |
| Return on assets (ROA) | 0.1283% | 4,311 |
| Pretax return on assets | 0.1283% | 4,323 |
| Return on Equity (ROE) | 1.7800% | 4,226 |
| Retained earnings to average equity (ytd only) | 1.7765% | 3,776 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 92.1630% | 313 |
| Assets per employee ($millions) | 10.0567% | 653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5758% | 4,297 |
| Loan loss allowance to noncurrent loans | 566.0714% | 1,341 |
| Noncurrent assets plus other real estate owned to assets | 0.0928% | 2,961 |
| Noncurrent loans to loans | 0.1017% | 3,067 |
| Net loans and leases to total assets | 90.7100% | 30 |
| Net loans and leases to deposits | 115.1631% | 116 |
| Net loans and leases to core deposits | 130.3728% | 342 |
| Total domestic deposits to total assets | 78.7700% | 3,730 |
| Equity capital to assets | 7.2522% | 3,485 |
| Core capital (leverage) ratio | 7.4032% | 4,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6110% | 1,680 |
| Memoranda: | ||
| Average total assets | $60,275,000 | 4,229 |
| Average earning assets | $57,184,000 | 4,191 |
| Average equity | $4,353,000 | 4,323 |
| Average total loans | $54,359,500 | 3,787 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0881% | 3,514 |
| Cost of funding earning assets | 2.2435% | 310 |
| Net interest margin | 1.8445% | 4,529 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 1.9285% | 3,760 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | -0.0863% | 4,508 |
| Return on assets (ROA) | -0.0863% | 4,496 |
| Pretax return on assets | -0.0863% | 4,483 |
| Return on Equity (ROE) | -1.2000% | 4,477 |
| Retained earnings to average equity (ytd only) | -1.1967% | 4,234 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 102.2887% | 149 |
| Assets per employee ($millions) | 10.1563% | 647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5721% | 4,328 |
| Loan loss allowance to noncurrent loans | 372.6190% | 1,890 |
| Noncurrent assets plus other real estate owned to assets | 0.1378% | 2,587 |
| Noncurrent loans to loans | 0.1535% | 2,704 |
| Net loans and leases to total assets | 89.2700% | 48 |
| Net loans and leases to deposits | 111.3317% | 181 |
| Net loans and leases to core deposits | 126.7533% | 375 |
| Total domestic deposits to total assets | 80.1800% | 3,548 |
| Equity capital to assets | 7.0432% | 3,770 |
| Core capital (leverage) ratio | 7.1431% | 4,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1266% | 1,838 |
| Memoranda: | ||
| Average total assets | $60,253,333 | 4,247 |
| Average earning assets | $57,142,000 | 4,215 |
| Average equity | $4,345,333 | 4,357 |
| Average total loans | $54,128,000 | 3,803 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9051% | 3,659 |
| Cost of funding earning assets | 2.0371% | 274 |
| Net interest margin | 1.8680% | 4,596 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 1.9295% | 3,794 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | -0.0668% | 4,519 |
| Return on assets (ROA) | -0.0668% | 4,505 |
| Pretax return on assets | -0.0668% | 4,494 |
| Return on Equity (ROE) | -0.9100% | 4,482 |
| Retained earnings to average equity (ytd only) | -0.9149% | 4,116 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 101.0490% | 160 |
| Assets per employee ($millions) | 10.2505% | 644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5553% | 4,402 |
| Loan loss allowance to noncurrent loans | 653.1915% | 1,343 |
| Noncurrent assets plus other real estate owned to assets | 0.0764% | 3,037 |
| Noncurrent loans to loans | 0.0850% | 3,134 |
| Net loans and leases to total assets | 89.4000% | 41 |
| Net loans and leases to deposits | 116.4795% | 112 |
| Net loans and leases to core deposits | 129.9650% | 276 |
| Total domestic deposits to total assets | 76.7500% | 4,104 |
| Equity capital to assets | 7.1005% | 3,783 |
| Core capital (leverage) ratio | 7.2463% | 4,607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2434% | 1,886 |
| Memoranda: | ||
| Average total assets | $59,911,000 | 4,312 |
| Average earning assets | $56,746,000 | 4,275 |
| Average equity | $4,372,000 | 4,413 |
| Average total loans | $53,835,500 | 3,850 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3804% | 3,396 |
| Cost of funding earning assets | 1.0696% | 129 |
| Net interest margin | 2.3108% | 4,423 |
| Noninterest income to average assets | 0.3300% | 3,139 |
| Noninterest expense to average assets | 2.3865% | 2,463 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.0692% | 4,530 |
| Return on assets (ROA) | 0.0692% | 4,517 |
| Pretax return on assets | 0.0692% | 4,513 |
| Return on Equity (ROE) | 0.8300% | 4,501 |
| Retained earnings to average equity (ytd only) | 0.8291% | 4,229 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 95.1687% | 212 |
| Assets per employee ($millions) | 8.3313% | 1,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5727% | 4,364 |
| Loan loss allowance to noncurrent loans | 652.1739% | 1,333 |
| Noncurrent assets plus other real estate owned to assets | 0.0789% | 3,011 |
| Noncurrent loans to loans | 0.0878% | 3,129 |
| Net loans and leases to total assets | 89.3000% | 44 |
| Net loans and leases to deposits | 112.1396% | 129 |
| Net loans and leases to core deposits | 124.8795% | 292 |
| Total domestic deposits to total assets | 79.6400% | 3,927 |
| Equity capital to assets | 7.5053% | 3,384 |
| Core capital (leverage) ratio | 7.8153% | 4,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2638% | 1,868 |
| Memoranda: | ||
| Average total assets | $52,000,200 | 4,423 |
| Average earning assets | $48,988,400 | 4,382 |
| Average equity | $4,342,200 | 4,498 |
| Average total loans | $45,711,200 | 3,965 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2968% | 3,183 |
| Cost of funding earning assets | 0.8909% | 106 |
| Net interest margin | 2.4058% | 4,318 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 2.4381% | 2,194 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.1534% | 4,508 |
| Return on assets (ROA) | 0.1534% | 4,478 |
| Pretax return on assets | 0.1534% | 4,489 |
| Return on Equity (ROE) | 1.7800% | 4,420 |
| Retained earnings to average equity (ytd only) | 1.7845% | 4,074 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 93.5091% | 241 |
| Assets per employee ($millions) | 6.7638% | 2,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5796% | 4,398 |
| Loan loss allowance to noncurrent loans | 1,268.1818% | 808 |
| Noncurrent assets plus other real estate owned to assets | 0.0407% | 3,498 |
| Noncurrent loans to loans | 0.0457% | 3,559 |
| Net loans and leases to total assets | 88.4500% | 50 |
| Net loans and leases to deposits | 108.8298% | 139 |
| Net loans and leases to core deposits | 121.9307% | 229 |
| Total domestic deposits to total assets | 81.2700% | 3,936 |
| Equity capital to assets | 8.1260% | 2,817 |
| Core capital (leverage) ratio | 8.3795% | 4,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9420% | 1,445 |
| Memoranda: | ||
| Average total assets | $50,420,500 | 4,469 |
| Average earning assets | $47,439,000 | 4,433 |
| Average equity | $4,333,500 | 4,539 |
| Average total loans | $44,043,750 | 4,017 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1954% | 3,059 |
| Cost of funding earning assets | 0.9340% | 50 |
| Net interest margin | 2.2615% | 4,369 |
| Noninterest income to average assets | 0.5164% | 2,108 |
| Noninterest expense to average assets | 2.5086% | 1,901 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.1342% | 4,484 |
| Return on assets (ROA) | 0.1342% | 4,449 |
| Pretax return on assets | 0.1342% | 4,462 |
| Return on Equity (ROE) | 1.5305% | 4,401 |
| Retained earnings to average equity (ytd only) | 1.5305% | 3,872 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.9231% | 265 |
| Assets per employee ($millions) | 7.2204% | 1,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6082% | 4,454 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0613% | 3,365 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 88.2694% | 36 |
| Net loans and leases to deposits | 100.6974% | 250 |
| Net loans and leases to core deposits | 112.7015% | 306 |
| Total domestic deposits to total assets | 87.6580% | 2,708 |
| Equity capital to assets | 8.6501% | 2,653 |
| Core capital (leverage) ratio | 8.8170% | 3,643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2249% | 1,384 |
| Memoranda: | ||
| Average total assets | $49,190,667 | 4,519 |
| Average earning assets | $46,253,333 | 4,507 |
| Average equity | $4,312,333 | 4,591 |
| Average total loans | $42,679,000 | 4,092 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1182% | 2,923 |
| Cost of funding earning assets | 0.9662% | 38 |
| Net interest margin | 2.1520% | 4,397 |
| Noninterest income to average assets | 0.5442% | 1,930 |
| Noninterest expense to average assets | 2.5477% | 1,761 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.0165% | 4,538 |
| Return on assets (ROA) | 0.0165% | 4,518 |
| Pretax return on assets | 0.0165% | 4,509 |
| Return on Equity (ROE) | 0.1868% | 4,514 |
| Retained earnings to average equity (ytd only) | 0.1868% | 3,983 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.3569% | 256 |
| Assets per employee ($millions) | 6.9654% | 2,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6337% | 4,480 |
| Loan loss allowance to noncurrent loans | 3,033.3333% | 388 |
| Noncurrent assets plus other real estate owned to assets | 0.2318% | 2,254 |
| Noncurrent loans to loans | 0.0209% | 3,846 |
| Net loans and leases to total assets | 87.7948% | 29 |
| Net loans and leases to deposits | 97.1870% | 250 |
| Net loans and leases to core deposits | 107.4527% | 314 |
| Total domestic deposits to total assets | 90.3359% | 1,365 |
| Equity capital to assets | 8.7432% | 2,936 |
| Core capital (leverage) ratio | 8.8305% | 3,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6361% | 1,355 |
| Memoranda: | ||
| Average total assets | $48,514,500 | 4,554 |
| Average earning assets | $45,539,500 | 4,539 |
| Average equity | $4,282,500 | 4,631 |
| Average total loans | $41,575,000 | 4,131 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2533% | 3,334 |
| Cost of funding earning assets | 1.2690% | 20 |
| Net interest margin | 1.9843% | 4,609 |
| Noninterest income to average assets | 0.1731% | 4,290 |
| Noninterest expense to average assets | 2.4199% | 2,426 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | -0.3852% | 4,750 |
| Return on assets (ROA) | -0.3852% | 4,753 |
| Pretax return on assets | -0.3852% | 4,752 |
| Return on Equity (ROE) | -4.5814% | 4,773 |
| Retained earnings to average equity (ytd only) | -4.5814% | 4,699 |
| Net charge-offs to loans | 0.0172% | 1,940 |
| Credit loss provision to net charge-offs | 42.8571% | 2,184 |
| Earnings coverage of net charge-offs (x) | -28.2857% | 2,689 |
| Efficiency ratio | 118.9293% | 69 |
| Assets per employee ($millions) | 6.8959% | 1,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6813% | 4,452 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3439% | 1,850 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 82.4449% | 162 |
| Net loans and leases to deposits | 91.3341% | 510 |
| Net loans and leases to core deposits | 101.3394% | 481 |
| Total domestic deposits to total assets | 90.2674% | 832 |
| Equity capital to assets | 8.9122% | 3,711 |
| Core capital (leverage) ratio | 8.7562% | 3,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6303% | 1,641 |
| Memoranda: | ||
| Average total assets | $51,406,400 | 4,550 |
| Average earning assets | $48,228,600 | 4,527 |
| Average equity | $4,321,800 | 4,684 |
| Average total loans | $40,699,400 | 4,172 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2546% | 3,504 |
| Cost of funding earning assets | 1.3372% | 18 |
| Net interest margin | 1.9173% | 4,711 |
| Noninterest income to average assets | 0.3015% | 3,627 |
| Noninterest expense to average assets | 2.4602% | 2,239 |
| Loan and lease loss provision to assets | 0.0077% | 2,829 |
| Net operating income to assets | -0.3679% | 4,816 |
| Return on assets (ROA) | -0.3679% | 4,824 |
| Pretax return on assets | -0.3679% | 4,821 |
| Return on Equity (ROE) | -4.4374% | 4,837 |
| Retained earnings to average equity (ytd only) | -4.4374% | 4,774 |
| Net charge-offs to loans | 0.0228% | 1,586 |
| Credit loss provision to net charge-offs | 42.8571% | 1,901 |
| Earnings coverage of net charge-offs (x) | -20.1429% | 2,445 |
| Efficiency ratio | 117.1533% | 80 |
| Assets per employee ($millions) | 7.0890% | 1,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7009% | 4,500 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3345% | 2,110 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 77.9417% | 409 |
| Net loans and leases to deposits | 86.9615% | 772 |
| Net loans and leases to core deposits | 96.6321% | 716 |
| Total domestic deposits to total assets | 89.6278% | 950 |
| Equity capital to assets | 8.6956% | 4,073 |
| Core capital (leverage) ratio | 8.6698% | 3,880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1869% | 1,318 |
| Memoranda: | ||
| Average total assets | $52,190,250 | 4,604 |
| Average earning assets | $48,955,500 | 4,580 |
| Average equity | $4,326,750 | 4,753 |
| Average total loans | $40,856,750 | 4,225 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2607% | 3,536 |
| Cost of funding earning assets | 1.4152% | 16 |
| Net interest margin | 1.8454% | 4,772 |
| Noninterest income to average assets | 0.1772% | 4,311 |
| Noninterest expense to average assets | 2.3828% | 2,526 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -0.4751% | 4,866 |
| Return on assets (ROA) | -0.4751% | 4,868 |
| Pretax return on assets | -0.4751% | 4,866 |
| Return on Equity (ROE) | -5.8190% | 4,884 |
| Retained earnings to average equity (ytd only) | -5.8190% | 4,800 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 124.9012% | 68 |
| Assets per employee ($millions) | 7.6474% | 1,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6209% | 4,634 |
| Loan loss allowance to noncurrent loans | 128.8372% | 3,064 |
| Noncurrent assets plus other real estate owned to assets | 0.7117% | 1,153 |
| Noncurrent loans to loans | 0.4820% | 2,230 |
| Net loans and leases to total assets | 82.8159% | 182 |
| Net loans and leases to deposits | 90.9955% | 589 |
| Net loans and leases to core deposits | 108.5502% | 401 |
| Total domestic deposits to total assets | 91.0110% | 373 |
| Equity capital to assets | 8.0942% | 4,481 |
| Core capital (leverage) ratio | 8.1973% | 4,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3701% | 1,514 |
| Memoranda: | ||
| Average total assets | $53,046,000 | 4,624 |
| Average earning assets | $49,744,667 | 4,605 |
| Average equity | $4,330,667 | 4,782 |
| Average total loans | $41,492,333 | 4,247 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2336% | 3,622 |
| Cost of funding earning assets | 1.4713% | 19 |
| Net interest margin | 1.7623% | 4,822 |
| Noninterest income to average assets | 0.1667% | 4,367 |
| Noninterest expense to average assets | 2.4620% | 2,292 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.6439% | 4,909 |
| Return on assets (ROA) | -0.6439% | 4,908 |
| Pretax return on assets | -0.6439% | 4,902 |
| Return on Equity (ROE) | -7.8531% | 4,928 |
| Retained earnings to average equity (ytd only) | -7.8531% | 4,775 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 135.4167% | 41 |
| Assets per employee ($millions) | 7.6597% | 1,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6776% | 4,604 |
| Loan loss allowance to noncurrent loans | 230.8333% | 2,131 |
| Noncurrent assets plus other real estate owned to assets | 0.5334% | 1,780 |
| Noncurrent loans to loans | 0.2936% | 3,050 |
| Net loans and leases to total assets | 75.7208% | 650 |
| Net loans and leases to deposits | 82.5724% | 1,291 |
| Net loans and leases to core deposits | 98.6538% | 772 |
| Total domestic deposits to total assets | 91.7024% | 198 |
| Equity capital to assets | 7.9954% | 4,493 |
| Core capital (leverage) ratio | 8.0166% | 4,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0887% | 1,272 |
| Memoranda: | ||
| Average total assets | $52,803,000 | 4,643 |
| Average earning assets | $49,480,500 | 4,627 |
| Average equity | $4,329,500 | 4,806 |
| Average total loans | $39,933,500 | 4,304 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2499% | 4,394 |
| Cost of funding earning assets | 1.7536% | 26 |
| Net interest margin | 1.4962% | 4,920 |
| Noninterest income to average assets | 0.3845% | 3,180 |
| Noninterest expense to average assets | 2.6031% | 2,537 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | -0.8160% | 4,912 |
| Return on assets (ROA) | -0.8160% | 4,915 |
| Pretax return on assets | -0.8160% | 4,912 |
| Return on Equity (ROE) | -9.3320% | 4,941 |
| Retained earnings to average equity (ytd only) | -9.3320% | 4,906 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 145.6641% | 40 |
| Assets per employee ($millions) | 6.4985% | 1,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7104% | 4,574 |
| Loan loss allowance to noncurrent loans | 200.7246% | 2,331 |
| Noncurrent assets plus other real estate owned to assets | 0.5848% | 1,804 |
| Noncurrent loans to loans | 0.3539% | 2,935 |
| Net loans and leases to total assets | 74.4653% | 962 |
| Net loans and leases to deposits | 81.5766% | 1,698 |
| Net loans and leases to core deposits | 96.1981% | 1,108 |
| Total domestic deposits to total assets | 91.2826% | 160 |
| Equity capital to assets | 8.4096% | 4,509 |
| Core capital (leverage) ratio | 8.3512% | 4,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8682% | 918 |
| Memoranda: | ||
| Average total assets | $50,978,400 | 4,640 |
| Average earning assets | $47,786,400 | 4,614 |
| Average equity | $4,457,800 | 4,805 |
| Average total loans | $38,862,400 | 4,331 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2305% | 4,555 |
| Cost of funding earning assets | 1.8015% | 30 |
| Net interest margin | 1.4289% | 4,970 |
| Noninterest income to average assets | 0.3207% | 3,565 |
| Noninterest expense to average assets | 2.5706% | 2,625 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | -0.9094% | 4,940 |
| Return on assets (ROA) | -0.9094% | 4,945 |
| Pretax return on assets | -0.9094% | 4,934 |
| Return on Equity (ROE) | -10.2991% | 4,966 |
| Retained earnings to average equity (ytd only) | -10.2991% | 4,931 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 154.7468% | 37 |
| Assets per employee ($millions) | 6.5580% | 1,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6672% | 4,629 |
| Loan loss allowance to noncurrent loans | 185.9060% | 2,338 |
| Noncurrent assets plus other real estate owned to assets | 0.6023% | 1,924 |
| Noncurrent loans to loans | 0.3589% | 3,000 |
| Net loans and leases to total assets | 78.6063% | 759 |
| Net loans and leases to deposits | 86.1734% | 1,678 |
| Net loans and leases to core deposits | 101.9455% | 1,032 |
| Total domestic deposits to total assets | 91.2187% | 131 |
| Equity capital to assets | 8.4668% | 4,482 |
| Core capital (leverage) ratio | 8.3675% | 4,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4646% | 1,142 |
| Memoranda: | ||
| Average total assets | $50,726,000 | 4,661 |
| Average earning assets | $47,587,500 | 4,644 |
| Average equity | $4,479,250 | 4,831 |
| Average total loans | $38,830,500 | 4,359 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2266% | 4,698 |
| Cost of funding earning assets | 1.8043% | 41 |
| Net interest margin | 1.4222% | 5,016 |
| Noninterest income to average assets | 0.2034% | 4,260 |
| Noninterest expense to average assets | 2.5844% | 2,716 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -1.0449% | 4,966 |
| Return on assets (ROA) | -1.0449% | 4,962 |
| Pretax return on assets | -1.0449% | 4,952 |
| Return on Equity (ROE) | -11.6660% | 4,997 |
| Retained earnings to average equity (ytd only) | -11.6660% | 4,940 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 167.8756% | 33 |
| Assets per employee ($millions) | 7.3613% | 1,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7171% | 4,527 |
| Loan loss allowance to noncurrent loans | 42.1613% | 4,194 |
| Noncurrent assets plus other real estate owned to assets | 1.5913% | 563 |
| Noncurrent loans to loans | 1.7009% | 851 |
| Net loans and leases to total assets | 74.4222% | 1,354 |
| Net loans and leases to deposits | 81.6440% | 2,242 |
| Net loans and leases to core deposits | 97.4636% | 1,456 |
| Total domestic deposits to total assets | 91.1545% | 122 |
| Equity capital to assets | 8.4807% | 4,488 |
| Core capital (leverage) ratio | 8.6219% | 4,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5932% | 962 |
| Memoranda: | ||
| Average total assets | $50,146,667 | 4,687 |
| Average earning assets | $47,109,000 | 4,672 |
| Average equity | $4,491,667 | 4,855 |
| Average total loans | $37,935,000 | 4,388 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3245% | 4,795 |
| Cost of funding earning assets | 1.8259% | 73 |
| Net interest margin | 1.4986% | 5,076 |
| Noninterest income to average assets | 0.2184% | 4,244 |
| Noninterest expense to average assets | 2.5801% | 3,044 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.9544% | 4,982 |
| Return on assets (ROA) | -0.9544% | 4,964 |
| Pretax return on assets | -0.9544% | 4,951 |
| Return on Equity (ROE) | -10.3679% | 4,999 |
| Retained earnings to average equity (ytd only) | -10.3679% | 4,777 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 158.7065% | 45 |
| Assets per employee ($millions) | 7.1061% | 1,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7334% | 4,553 |
| Loan loss allowance to noncurrent loans | 1,629.4118% | 356 |
| Noncurrent assets plus other real estate owned to assets | 0.3639% | 2,986 |
| Noncurrent loans to loans | 0.0450% | 4,372 |
| Net loans and leases to total assets | 75.3674% | 1,410 |
| Net loans and leases to deposits | 83.0104% | 2,331 |
| Net loans and leases to core deposits | 101.1603% | 1,387 |
| Total domestic deposits to total assets | 90.7927% | 135 |
| Equity capital to assets | 9.0746% | 4,556 |
| Core capital (leverage) ratio | 8.7798% | 4,611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1907% | 1,116 |
| Memoranda: | ||
| Average total assets | $49,455,500 | 4,718 |
| Average earning assets | $46,443,000 | 4,704 |
| Average equity | $4,552,500 | 4,889 |
| Average total loans | $37,589,500 | 4,419 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8483% | 4,508 |
| Cost of funding earning assets | 1.9291% | 82 |
| Net interest margin | 1.9192% | 5,103 |
| Noninterest income to average assets | -0.1494% | 5,160 |
| Noninterest expense to average assets | 2.8031% | 2,591 |
| Loan and lease loss provision to assets | -0.2278% | 5,131 |
| Net operating income to assets | -0.9281% | 5,093 |
| Return on assets (ROA) | -0.9281% | 5,096 |
| Pretax return on assets | -0.9281% | 5,088 |
| Return on Equity (ROE) | -10.3905% | 5,123 |
| Retained earnings to average equity (ytd only) | -10.3905% | 5,067 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 170.1814% | 30 |
| Assets per employee ($millions) | 7.0240% | 1,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7404% | 4,483 |
| Loan loss allowance to noncurrent loans | 710.2564% | 732 |
| Noncurrent assets plus other real estate owned to assets | 0.3478% | 3,014 |
| Noncurrent loans to loans | 0.1042% | 4,105 |
| Net loans and leases to total assets | 75.5268% | 1,499 |
| Net loans and leases to deposits | 83.7128% | 2,364 |
| Net loans and leases to core deposits | 105.2281% | 1,156 |
| Total domestic deposits to total assets | 90.2213% | 254 |
| Equity capital to assets | 9.3374% | 4,472 |
| Core capital (leverage) ratio | 9.2404% | 4,329 |
| Tier 1 risk-based capital ratio | 17.9771% | 1,766 |
| Total risk-based capital ratio | 19.0618% | 1,761 |
| Memoranda: | ||
| Average total assets | $53,547,600 | 4,689 |
| Average earning assets | $50,126,200 | 4,666 |
| Average equity | $4,783,200 | 4,908 |
| Average total loans | $44,622,000 | 4,290 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9787% | 4,406 |
| Cost of funding earning assets | 2.3387% | 13 |
| Net interest margin | 1.6400% | 5,216 |
| Noninterest income to average assets | -0.5062% | 5,242 |
| Noninterest expense to average assets | 2.5606% | 3,276 |
| Loan and lease loss provision to assets | -0.3008% | 5,228 |
| Net operating income to assets | -1.1225% | 5,184 |
| Return on assets (ROA) | -1.1225% | 5,188 |
| Pretax return on assets | -1.2277% | 5,188 |
| Return on Equity (ROE) | -12.6671% | 5,211 |
| Retained earnings to average equity (ytd only) | -12.6671% | 5,167 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 248.1043% | 14 |
| Assets per employee ($millions) | 7.2713% | 920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6569% | 4,715 |
| Loan loss allowance to noncurrent loans | 811.7647% | 682 |
| Noncurrent assets plus other real estate owned to assets | 0.3261% | 3,243 |
| Noncurrent loans to loans | 0.0809% | 4,280 |
| Net loans and leases to total assets | 82.0075% | 564 |
| Net loans and leases to deposits | 94.7303% | 1,153 |
| Net loans and leases to core deposits | 115.1158% | 694 |
| Total domestic deposits to total assets | 86.5695% | 1,742 |
| Equity capital to assets | 9.0925% | 4,732 |
| Core capital (leverage) ratio | 9.0364% | 4,609 |
| Tier 1 risk-based capital ratio | 20.7153% | 1,228 |
| Total risk-based capital ratio | 21.9551% | 1,204 |
| Memoranda: | ||
| Average total assets | $54,517,500 | 4,744 |
| Average earning assets | $51,138,000 | 4,722 |
| Average equity | $4,831,250 | 4,968 |
| Average total loans | $46,424,500 | 4,301 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0830% | 4,203 |
| Cost of funding earning assets | 2.0013% | 59 |
| Net interest margin | 2.0817% | 5,233 |
| Noninterest income to average assets | -0.8865% | 5,293 |
| Noninterest expense to average assets | 2.3940% | 3,746 |
| Loan and lease loss provision to assets | 0.0574% | 2,674 |
| Net operating income to assets | -1.3854% | 5,241 |
| Return on assets (ROA) | -1.3854% | 5,243 |
| Pretax return on assets | -1.3854% | 5,239 |
| Return on Equity (ROE) | -15.7583% | 5,266 |
| Retained earnings to average equity (ytd only) | -15.7583% | 5,226 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 224.5791% | 17 |
| Assets per employee ($millions) | 8.6473% | 532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9806% | 3,735 |
| Loan loss allowance to noncurrent loans | 1,037.5000% | 573 |
| Noncurrent assets plus other real estate owned to assets | 0.6322% | 2,140 |
| Noncurrent loans to loans | 0.0945% | 4,257 |
| Net loans and leases to total assets | 80.7648% | 763 |
| Net loans and leases to deposits | 95.6407% | 1,075 |
| Net loans and leases to core deposits | 115.3744% | 713 |
| Total domestic deposits to total assets | 84.4461% | 2,709 |
| Equity capital to assets | 9.1377% | 4,706 |
| Core capital (leverage) ratio | 9.0626% | 4,582 |
| Tier 1 risk-based capital ratio | 16.8075% | 2,140 |
| Total risk-based capital ratio | 18.0610% | 2,081 |
| Memoranda: | ||
| Average total assets | $55,723,670 | 4,760 |
| Average earning assets | $52,265,330 | 4,740 |
| Average equity | $4,899,000 | 4,998 |
| Average total loans | $47,893,670 | 4,304 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3704% | 3,339 |
| Cost of funding earning assets | 2.0632% | 40 |
| Net interest margin | 2.3072% | 5,253 |
| Noninterest income to average assets | -1.9707% | 5,357 |
| Noninterest expense to average assets | 2.4565% | 3,614 |
| Loan and lease loss provision to assets | 0.1110% | 1,598 |
| Net operating income to assets | -2.3732% | 5,326 |
| Return on assets (ROA) | -2.3732% | 5,325 |
| Pretax return on assets | -2.3732% | 5,320 |
| Return on Equity (ROE) | -27.4809% | 5,341 |
| Retained earnings to average equity (ytd only) | -27.4809% | 5,297 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,264.2857% | 2 |
| Assets per employee ($millions) | 7.4821% | 826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9380% | 4,010 |
| Loan loss allowance to noncurrent loans | 943.1818% | 627 |
| Noncurrent assets plus other real estate owned to assets | 0.6339% | 2,187 |
| Noncurrent loans to loans | 0.0995% | 4,297 |
| Net loans and leases to total assets | 83.6811% | 398 |
| Net loans and leases to deposits | 99.3044% | 680 |
| Net loans and leases to core deposits | 119.5722% | 539 |
| Total domestic deposits to total assets | 84.2673% | 2,959 |
| Equity capital to assets | 9.1742% | 4,556 |
| Core capital (leverage) ratio | 8.0249% | 5,203 |
| Tier 1 risk-based capital ratio | 15.9002% | 2,487 |
| Total risk-based capital ratio | 17.1529% | 2,416 |
| Memoranda: | ||
| Average total assets | $57,643,500 | 4,782 |
| Average earning assets | $54,091,000 | 4,763 |
| Average equity | $4,978,000 | 5,030 |
| Average total loans | $50,681,000 | 4,288 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9538% | 4,158 |
| Cost of funding earning assets | 1.5330% | 77 |
| Net interest margin | 2.4209% | 5,241 |
| Noninterest income to average assets | 0.1784% | 4,833 |
| Noninterest expense to average assets | 2.2235% | 4,284 |
| Loan and lease loss provision to assets | 0.0866% | 2,407 |
| Net operating income to assets | 0.0612% | 5,206 |
| Return on assets (ROA) | 0.0612% | 5,199 |
| Pretax return on assets | 0.1376% | 5,155 |
| Return on Equity (ROE) | 0.7030% | 5,186 |
| Retained earnings to average equity (ytd only) | 0.7030% | 4,800 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8397% | 315 |
| Assets per employee ($millions) | 8.9874% | 469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6985% | 4,805 |
| Loan loss allowance to noncurrent loans | 176.5487% | 2,436 |
| Noncurrent assets plus other real estate owned to assets | 0.9251% | 1,489 |
| Noncurrent loans to loans | 0.3957% | 3,112 |
| Net loans and leases to total assets | 90.1577% | 61 |
| Net loans and leases to deposits | 135.5770% | 31 |
| Net loans and leases to core deposits | 163.8454% | 77 |
| Total domestic deposits to total assets | 66.4992% | 5,242 |
| Equity capital to assets | 8.1876% | 5,092 |
| Core capital (leverage) ratio | 8.2491% | 5,150 |
| Tier 1 risk-based capital ratio | 15.2635% | 2,717 |
| Total risk-based capital ratio | 16.4513% | 2,671 |
| Memoranda: | ||
| Average total assets | $58,870,200 | 4,784 |
| Average earning assets | $55,187,200 | 4,767 |
| Average equity | $5,121,000 | 5,035 |
| Average total loans | $52,751,800 | 4,247 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9325% | 4,130 |
| Cost of funding earning assets | 1.4781% | 71 |
| Net interest margin | 2.4544% | 5,300 |
| Noninterest income to average assets | 0.1774% | 4,897 |
| Noninterest expense to average assets | 2.1338% | 4,478 |
| Loan and lease loss provision to assets | 0.0783% | 2,392 |
| Net operating income to assets | 0.1613% | 5,221 |
| Return on assets (ROA) | 0.1613% | 5,213 |
| Pretax return on assets | 0.2650% | 5,166 |
| Return on Equity (ROE) | 1.8252% | 5,150 |
| Retained earnings to average equity (ytd only) | 1.8252% | 4,629 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1395% | 505 |
| Assets per employee ($millions) | 8.5869% | 513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7068% | 4,864 |
| Loan loss allowance to noncurrent loans | 516.2162% | 1,062 |
| Noncurrent assets plus other real estate owned to assets | 0.7170% | 2,063 |
| Noncurrent loans to loans | 0.1369% | 4,268 |
| Net loans and leases to total assets | 89.2860% | 101 |
| Net loans and leases to deposits | 127.6654% | 59 |
| Net loans and leases to core deposits | 154.1298% | 111 |
| Total domestic deposits to total assets | 69.9374% | 5,210 |
| Equity capital to assets | 8.5230% | 4,909 |
| Core capital (leverage) ratio | 8.4199% | 5,133 |
| Tier 1 risk-based capital ratio | 15.9079% | 2,481 |
| Total risk-based capital ratio | 17.0853% | 2,448 |
| Memoranda: | ||
| Average total assets | $57,859,750 | 4,850 |
| Average earning assets | $54,213,500 | 4,834 |
| Average equity | $5,113,500 | 5,098 |
| Average total loans | $51,660,000 | 4,320 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8670% | 4,166 |
| Cost of funding earning assets | 1.3525% | 88 |
| Net interest margin | 2.5145% | 5,334 |
| Noninterest income to average assets | 0.2101% | 4,754 |
| Noninterest expense to average assets | 2.2623% | 4,231 |
| Loan and lease loss provision to assets | 0.0630% | 2,641 |
| Net operating income to assets | 0.2346% | 5,194 |
| Return on assets (ROA) | 0.2346% | 5,189 |
| Pretax return on assets | 0.2416% | 5,208 |
| Return on Equity (ROE) | 2.6221% | 5,076 |
| Retained earnings to average equity (ytd only) | 2.6221% | 4,205 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1310% | 457 |
| Assets per employee ($millions) | 8.3624% | 548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6941% | 4,958 |
| Loan loss allowance to noncurrent loans | 321.0526% | 1,563 |
| Noncurrent assets plus other real estate owned to assets | 1.0523% | 1,416 |
| Noncurrent loans to loans | 0.2162% | 3,944 |
| Net loans and leases to total assets | 89.4511% | 85 |
| Net loans and leases to deposits | 106.9398% | 396 |
| Net loans and leases to core deposits | 150.6733% | 116 |
| Total domestic deposits to total assets | 83.6462% | 3,197 |
| Equity capital to assets | 8.7722% | 4,742 |
| Core capital (leverage) ratio | 8.9068% | 4,778 |
| Tier 1 risk-based capital ratio | 15.9750% | 2,447 |
| Total risk-based capital ratio | 17.1085% | 2,436 |
| Memoranda: | ||
| Average total assets | $57,110,330 | 4,918 |
| Average earning assets | $53,529,670 | 4,906 |
| Average equity | $5,110,330 | 5,150 |
| Average total loans | $50,863,330 | 4,383 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8160% | 4,173 |
| Cost of funding earning assets | 1.3099% | 78 |
| Net interest margin | 2.5062% | 5,391 |
| Noninterest income to average assets | 0.2411% | 4,560 |
| Noninterest expense to average assets | 2.3335% | 4,105 |
| Loan and lease loss provision to assets | 0.0638% | 2,495 |
| Net operating income to assets | 0.1915% | 5,250 |
| Return on assets (ROA) | 0.2057% | 5,232 |
| Pretax return on assets | 0.2057% | 5,256 |
| Return on Equity (ROE) | 2.2754% | 5,138 |
| Retained earnings to average equity (ytd only) | 2.2754% | 4,256 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1370% | 439 |
| Assets per employee ($millions) | 8.1086% | 605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7090% | 5,013 |
| Loan loss allowance to noncurrent loans | 336.7925% | 1,525 |
| Noncurrent assets plus other real estate owned to assets | 0.9619% | 1,641 |
| Noncurrent loans to loans | 0.2105% | 4,029 |
| Net loans and leases to total assets | 88.0779% | 129 |
| Net loans and leases to deposits | 107.3479% | 330 |
| Net loans and leases to core deposits | 142.6985% | 191 |
| Total domestic deposits to total assets | 82.0490% | 3,947 |
| Equity capital to assets | 8.9887% | 4,570 |
| Core capital (leverage) ratio | 9.0131% | 4,666 |
| Tier 1 risk-based capital ratio | 16.2736% | 2,366 |
| Total risk-based capital ratio | 17.4083% | 2,359 |
| Memoranda: | ||
| Average total assets | $56,397,000 | 4,991 |
| Average earning assets | $52,830,000 | 4,977 |
| Average equity | $5,098,000 | 5,201 |
| Average total loans | $49,931,000 | 4,446 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0744% | 3,157 |
| Cost of funding earning assets | 1.2639% | 57 |
| Net interest margin | 2.8106% | 5,154 |
| Noninterest income to average assets | -0.4748% | 5,660 |
| Noninterest expense to average assets | 2.1162% | 4,731 |
| Loan and lease loss provision to assets | -0.0359% | 5,369 |
| Net operating income to assets | 0.0317% | 5,327 |
| Return on assets (ROA) | 0.0000% | 5,361 |
| Pretax return on assets | 0.0427% | 5,412 |
| Return on Equity (ROE) | 0.0000% | 5,361 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,012 |
| Net charge-offs to loans | 0.0721% | 2,420 |
| Credit loss provision to net charge-offs | -58.3333% | 4,658 |
| Earnings coverage of net charge-offs (x) | 0.9167% | 3,947 |
| Efficiency ratio | 97.4057% | 220 |
| Assets per employee ($millions) | 8.0049% | 637 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7029% | 5,067 |
| Loan loss allowance to noncurrent loans | 230.4636% | 2,053 |
| Noncurrent assets plus other real estate owned to assets | 1.1029% | 1,377 |
| Noncurrent loans to loans | 0.3050% | 3,688 |
| Net loans and leases to total assets | 87.7396% | 151 |
| Net loans and leases to deposits | 104.2560% | 482 |
| Net loans and leases to core deposits | 137.9887% | 236 |
| Total domestic deposits to total assets | 84.1578% | 3,143 |
| Equity capital to assets | 9.0909% | 4,626 |
| Core capital (leverage) ratio | 9.1143% | 4,506 |
| Tier 1 risk-based capital ratio | 15.8347% | 2,498 |
| Total risk-based capital ratio | 16.9170% | 2,500 |
| Memoranda: | ||
| Average total assets | $58,548,600 | 4,994 |
| Average earning assets | $55,148,800 | 4,973 |
| Average equity | $5,066,000 | 5,260 |
| Average total loans | $49,924,400 | 4,456 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2070% | 2,586 |
| Cost of funding earning assets | 1.2638% | 55 |
| Net interest margin | 2.9432% | 5,030 |
| Noninterest income to average assets | -0.6489% | 5,734 |
| Noninterest expense to average assets | 2.0796% | 4,778 |
| Loan and lease loss provision to assets | -0.0473% | 5,521 |
| Net operating income to assets | 0.0148% | 5,506 |
| Return on assets (ROA) | -0.0270% | 5,526 |
| Pretax return on assets | 0.0293% | 5,497 |
| Return on Equity (ROE) | -0.3163% | 5,528 |
| Retained earnings to average equity (ytd only) | -0.3163% | 5,260 |
| Net charge-offs to loans | 0.1359% | 1,436 |
| Credit loss provision to net charge-offs | -41.1765% | 4,434 |
| Earnings coverage of net charge-offs (x) | 0.4118% | 3,668 |
| Efficiency ratio | 97.7754% | 206 |
| Assets per employee ($millions) | 7.5389% | 753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7232% | 5,089 |
| Loan loss allowance to noncurrent loans | 314.1509% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 1.0858% | 1,535 |
| Noncurrent loans to loans | 0.2302% | 4,143 |
| Net loans and leases to total assets | 86.6236% | 220 |
| Net loans and leases to deposits | 96.4470% | 1,073 |
| Net loans and leases to core deposits | 127.4123% | 380 |
| Total domestic deposits to total assets | 89.8147% | 540 |
| Equity capital to assets | 9.6472% | 4,297 |
| Core capital (leverage) ratio | 9.1246% | 4,608 |
| Tier 1 risk-based capital ratio | 16.6247% | 2,276 |
| Total risk-based capital ratio | 17.7146% | 2,283 |
| Memoranda: | ||
| Average total assets | $59,177,250 | 5,035 |
| Average earning assets | $55,810,500 | 5,012 |
| Average equity | $5,059,000 | 5,322 |
| Average total loans | $50,027,500 | 4,503 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1894% | 2,510 |
| Cost of funding earning assets | 1.2586% | 44 |
| Net interest margin | 2.9309% | 5,039 |
| Noninterest income to average assets | 0.0130% | 5,711 |
| Noninterest expense to average assets | 1.9670% | 5,044 |
| Loan and lease loss provision to assets | -0.1403% | 5,674 |
| Net operating income to assets | 0.8612% | 3,109 |
| Return on assets (ROA) | -0.6818% | 5,697 |
| Pretax return on assets | -0.5839% | 5,684 |
| Return on Equity (ROE) | -8.2800% | 5,709 |
| Retained earnings to average equity (ytd only) | -8.2800% | 5,618 |
| Net charge-offs to loans | 0.1480% | 1,264 |
| Credit loss provision to net charge-offs | -113.1579% | 4,370 |
| Earnings coverage of net charge-offs (x) | 6.6053% | 2,686 |
| Efficiency ratio | 70.6089% | 2,569 |
| Assets per employee ($millions) | 9.0122% | 421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6831% | 5,244 |
| Loan loss allowance to noncurrent loans | 47.6471% | 4,641 |
| Noncurrent assets plus other real estate owned to assets | 1.9215% | 686 |
| Noncurrent loans to loans | 1.4337% | 1,328 |
| Net loans and leases to total assets | 87.1156% | 194 |
| Net loans and leases to deposits | 96.2172% | 1,054 |
| Net loans and leases to core deposits | 126.9943% | 365 |
| Total domestic deposits to total assets | 90.5406% | 343 |
| Equity capital to assets | 9.0285% | 4,870 |
| Core capital (leverage) ratio | 8.0007% | 5,526 |
| Tier 1 risk-based capital ratio | 16.6638% | 2,254 |
| Total risk-based capital ratio | 17.7697% | 2,264 |
| Memoranda: | ||
| Average total assets | $61,312,330 | 5,033 |
| Average earning assets | $58,003,000 | 5,002 |
| Average equity | $5,048,330 | 5,355 |
| Average total loans | $51,354,670 | 4,482 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6997% | 4,118 |
| Cost of funding earning assets | 1.1379% | 76 |
| Net interest margin | 2.5618% | 5,492 |
| Noninterest income to average assets | 0.1294% | 5,470 |
| Noninterest expense to average assets | 1.9220% | 5,199 |
| Loan and lease loss provision to assets | 0.0924% | 1,996 |
| Net operating income to assets | 0.4312% | 4,855 |
| Return on assets (ROA) | 0.4312% | 4,875 |
| Pretax return on assets | 0.5421% | 4,860 |
| Return on Equity (ROE) | 5.4565% | 4,170 |
| Retained earnings to average equity (ytd only) | 5.4565% | 2,628 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1807% | 2,040 |
| Assets per employee ($millions) | 11.1130% | 216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7601% | 5,174 |
| Loan loss allowance to noncurrent loans | 116.0221% | 3,351 |
| Noncurrent assets plus other real estate owned to assets | 0.7694% | 2,377 |
| Noncurrent loans to loans | 0.6551% | 2,867 |
| Net loans and leases to total assets | 82.2415% | 543 |
| Net loans and leases to deposits | 111.5004% | 190 |
| Net loans and leases to core deposits | 145.7617% | 127 |
| Total domestic deposits to total assets | 73.7590% | 5,434 |
| Equity capital to assets | 7.8287% | 5,589 |
| Core capital (leverage) ratio | 7.8120% | 5,626 |
| Tier 1 risk-based capital ratio | 14.8885% | 3,018 |
| Total risk-based capital ratio | 16.1115% | 2,964 |
| Memoranda: | ||
| Average total assets | $64,932,000 | 5,006 |
| Average earning assets | $61,518,500 | 4,963 |
| Average equity | $5,131,500 | 5,395 |
| Average total loans | $53,317,000 | 4,475 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8498% | 3,743 |
| Cost of funding earning assets | 1.0627% | 121 |
| Net interest margin | 2.7871% | 5,313 |
| Noninterest income to average assets | 0.3140% | 4,492 |
| Noninterest expense to average assets | 1.7636% | 5,509 |
| Loan and lease loss provision to assets | 0.3641% | 457 |
| Net operating income to assets | 0.6697% | 3,913 |
| Return on assets (ROA) | 0.6697% | 4,026 |
| Pretax return on assets | 0.8450% | 4,031 |
| Return on Equity (ROE) | 8.3347% | 2,765 |
| Retained earnings to average equity (ytd only) | 8.3347% | 750 |
| Net charge-offs to loans | 0.2596% | 1,070 |
| Credit loss provision to net charge-offs | 174.4000% | 1,593 |
| Earnings coverage of net charge-offs (x) | 5.7920% | 3,286 |
| Efficiency ratio | 59.3258% | 4,685 |
| Assets per employee ($millions) | 10.5310% | 260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7883% | 5,136 |
| Loan loss allowance to noncurrent loans | 88.6214% | 3,855 |
| Noncurrent assets plus other real estate owned to assets | 0.9622% | 1,967 |
| Noncurrent loans to loans | 0.8895% | 2,318 |
| Net loans and leases to total assets | 80.6698% | 789 |
| Net loans and leases to deposits | 106.1872% | 337 |
| Net loans and leases to core deposits | 140.8222% | 165 |
| Total domestic deposits to total assets | 75.9694% | 5,240 |
| Equity capital to assets | 7.9812% | 5,574 |
| Core capital (leverage) ratio | 8.1554% | 5,530 |
| Tier 1 risk-based capital ratio | 15.7707% | 2,644 |
| Total risk-based capital ratio | 17.0216% | 2,569 |
| Memoranda: | ||
| Average total assets | $59,878,200 | 5,147 |
| Average earning assets | $57,120,400 | 5,099 |
| Average equity | $4,811,200 | 5,498 |
| Average total loans | $48,158,400 | 4,630 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9143% | 3,534 |
| Cost of funding earning assets | 1.0418% | 137 |
| Net interest margin | 2.8725% | 5,228 |
| Noninterest income to average assets | 0.0452% | 5,847 |
| Noninterest expense to average assets | 1.7453% | 5,580 |
| Loan and lease loss provision to assets | 0.4245% | 331 |
| Net operating income to assets | 0.5020% | 4,693 |
| Return on assets (ROA) | 0.7361% | 3,797 |
| Pretax return on assets | 0.9099% | 3,947 |
| Return on Equity (ROE) | 9.1445% | 2,427 |
| Retained earnings to average equity (ytd only) | 9.1445% | 776 |
| Net charge-offs to loans | 0.3519% | 644 |
| Credit loss provision to net charge-offs | 150.4000% | 1,764 |
| Earnings coverage of net charge-offs (x) | 3.7041% | 3,371 |
| Efficiency ratio | 62.5405% | 4,133 |
| Assets per employee ($millions) | 10.5780% | 245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7362% | 5,341 |
| Loan loss allowance to noncurrent loans | 92.1376% | 3,785 |
| Noncurrent assets plus other real estate owned to assets | 1.2227% | 1,622 |
| Noncurrent loans to loans | 0.7990% | 2,669 |
| Net loans and leases to total assets | 79.6701% | 937 |
| Net loans and leases to deposits | 109.1457% | 278 |
| Net loans and leases to core deposits | 148.5589% | 130 |
| Total domestic deposits to total assets | 72.9943% | 5,522 |
| Equity capital to assets | 7.8276% | 5,788 |
| Core capital (leverage) ratio | 7.8187% | 5,756 |
| Tier 1 risk-based capital ratio | 15.3295% | 2,903 |
| Total risk-based capital ratio | 16.4867% | 2,870 |
| Memoranda: | ||
| Average total assets | $59,051,250 | 5,206 |
| Average earning assets | $56,441,000 | 5,160 |
| Average equity | $4,753,250 | 5,572 |
| Average total loans | $47,353,750 | 4,690 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9227% | 3,535 |
| Cost of funding earning assets | 1.0132% | 159 |
| Net interest margin | 2.9094% | 5,251 |
| Noninterest income to average assets | 0.0417% | 5,932 |
| Noninterest expense to average assets | 1.7437% | 5,650 |
| Loan and lease loss provision to assets | 0.3230% | 529 |
| Net operating income to assets | 0.5940% | 4,303 |
| Return on assets (ROA) | 0.5940% | 4,425 |
| Pretax return on assets | 0.7676% | 4,402 |
| Return on Equity (ROE) | 7.3051% | 3,370 |
| Retained earnings to average equity (ytd only) | 7.3051% | 1,471 |
| Net charge-offs to loans | 0.5416% | 388 |
| Credit loss provision to net charge-offs | 74.4000% | 2,433 |
| Earnings coverage of net charge-offs (x) | 2.5120% | 3,261 |
| Efficiency ratio | 61.5196% | 4,424 |
| Assets per employee ($millions) | 10.0372% | 280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5643% | 5,728 |
| Loan loss allowance to noncurrent loans | 115.7025% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 1.0312% | 2,067 |
| Noncurrent loans to loans | 0.4877% | 3,625 |
| Net loans and leases to total assets | 81.9255% | 636 |
| Net loans and leases to deposits | 109.4576% | 268 |
| Net loans and leases to core deposits | 148.2111% | 132 |
| Total domestic deposits to total assets | 74.8468% | 5,430 |
| Equity capital to assets | 7.9172% | 5,827 |
| Core capital (leverage) ratio | 7.9663% | 5,745 |
| Tier 1 risk-based capital ratio | 15.7028% | 2,781 |
| Total risk-based capital ratio | 16.6250% | 2,847 |
| Memoranda: | ||
| Average total assets | $57,579,000 | 5,303 |
| Average earning assets | $55,268,330 | 5,241 |
| Average equity | $4,681,670 | 5,648 |
| Average total loans | $46,158,330 | 4,762 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8861% | 3,636 |
| Cost of funding earning assets | 1.0250% | 144 |
| Net interest margin | 2.8611% | 5,382 |
| Noninterest income to average assets | 0.0356% | 6,007 |
| Noninterest expense to average assets | 1.7562% | 5,695 |
| Loan and lease loss provision to assets | 0.2773% | 596 |
| Net operating income to assets | 0.5901% | 4,227 |
| Return on assets (ROA) | 0.5901% | 4,342 |
| Pretax return on assets | 0.7608% | 4,337 |
| Return on Equity (ROE) | 7.1575% | 3,371 |
| Retained earnings to average equity (ytd only) | 7.1575% | 1,815 |
| Net charge-offs to loans | 0.1891% | 1,033 |
| Credit loss provision to net charge-offs | 185.7143% | 1,129 |
| Earnings coverage of net charge-offs (x) | 6.9524% | 2,192 |
| Efficiency ratio | 62.8499% | 4,320 |
| Assets per employee ($millions) | 9.6635% | 317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7067% | 5,584 |
| Loan loss allowance to noncurrent loans | 55.5556% | 4,704 |
| Noncurrent assets plus other real estate owned to assets | 1.3280% | 1,607 |
| Noncurrent loans to loans | 1.2720% | 1,900 |
| Net loans and leases to total assets | 79.9693% | 814 |
| Net loans and leases to deposits | 106.5688% | 317 |
| Net loans and leases to core deposits | 146.1206% | 127 |
| Total domestic deposits to total assets | 75.0401% | 5,517 |
| Equity capital to assets | 8.0716% | 5,794 |
| Core capital (leverage) ratio | 8.1167% | 5,710 |
| Tier 1 risk-based capital ratio | 15.9287% | 2,715 |
| Total risk-based capital ratio | 17.0518% | 2,709 |
| Memoranda: | ||
| Average total assets | $56,257,000 | 5,379 |
| Average earning assets | $54,245,000 | 5,313 |
| Average equity | $4,638,500 | 5,696 |
| Average total loans | $44,428,500 | 4,856 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7241% | 4,295 |
| Cost of funding earning assets | 0.9160% | 266 |
| Net interest margin | 2.8081% | 5,496 |
| Noninterest income to average assets | -0.0062% | 6,119 |
| Noninterest expense to average assets | 1.8627% | 5,664 |
| Loan and lease loss provision to assets | 0.1268% | 1,908 |
| Net operating income to assets | 0.5156% | 4,637 |
| Return on assets (ROA) | 0.5156% | 4,722 |
| Pretax return on assets | 0.7255% | 4,452 |
| Return on Equity (ROE) | 5.5263% | 4,270 |
| Retained earnings to average equity (ytd only) | 5.5263% | 2,067 |
| Net charge-offs to loans | 0.0606% | 3,012 |
| Credit loss provision to net charge-offs | 290.4762% | 1,012 |
| Earnings coverage of net charge-offs (x) | 19.5238% | 1,940 |
| Efficiency ratio | 68.6064% | 3,463 |
| Assets per employee ($millions) | 9.0888% | 375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7400% | 5,558 |
| Loan loss allowance to noncurrent loans | 53.4247% | 4,782 |
| Noncurrent assets plus other real estate owned to assets | 1.4340% | 1,450 |
| Noncurrent loans to loans | 1.3852% | 1,694 |
| Net loans and leases to total assets | 76.7389% | 1,295 |
| Net loans and leases to deposits | 97.2666% | 885 |
| Net loans and leases to core deposits | 134.1325% | 217 |
| Total domestic deposits to total assets | 78.8953% | 4,996 |
| Equity capital to assets | 8.4298% | 5,617 |
| Core capital (leverage) ratio | 8.6481% | 5,283 |
| Tier 1 risk-based capital ratio | 17.2308% | 2,209 |
| Total risk-based capital ratio | 18.4002% | 2,185 |
| Memoranda: | ||
| Average total assets | $48,102,400 | 5,584 |
| Average earning assets | $46,615,200 | 5,507 |
| Average equity | $4,487,600 | 5,761 |
| Average total loans | $34,659,800 | 5,202 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7099% | 4,389 |
| Cost of funding earning assets | 0.8780% | 322 |
| Net interest margin | 2.8319% | 5,529 |
| Noninterest income to average assets | 0.0402% | 6,125 |
| Noninterest expense to average assets | 1.8726% | 5,681 |
| Loan and lease loss provision to assets | 0.1520% | 1,433 |
| Net operating income to assets | 0.5735% | 4,511 |
| Return on assets (ROA) | 0.5735% | 4,605 |
| Pretax return on assets | 0.7628% | 4,455 |
| Return on Equity (ROE) | 5.9786% | 4,164 |
| Retained earnings to average equity (ytd only) | 5.9786% | 2,266 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1811% | 3,678 |
| Assets per employee ($millions) | 8.5167% | 441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8619% | 5,323 |
| Loan loss allowance to noncurrent loans | 57.4205% | 4,766 |
| Noncurrent assets plus other real estate owned to assets | 1.3777% | 1,677 |
| Noncurrent loans to loans | 1.5010% | 1,676 |
| Net loans and leases to total assets | 73.1546% | 1,878 |
| Net loans and leases to deposits | 88.3380% | 1,854 |
| Net loans and leases to core deposits | 122.5318% | 409 |
| Total domestic deposits to total assets | 82.8121% | 3,877 |
| Equity capital to assets | 8.9022% | 5,391 |
| Core capital (leverage) ratio | 8.9421% | 5,064 |
| Tier 1 risk-based capital ratio | 18.3066% | 1,954 |
| Total risk-based capital ratio | 19.5581% | 1,912 |
| Memoranda: | ||
| Average total assets | $46,494,750 | 5,695 |
| Average earning assets | $45,103,250 | 5,625 |
| Average equity | $4,460,250 | 5,843 |
| Average total loans | $32,784,750 | 5,330 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7431% | 4,267 |
| Cost of funding earning assets | 0.8394% | 406 |
| Net interest margin | 2.9036% | 5,438 |
| Noninterest income to average assets | 0.0979% | 6,034 |
| Noninterest expense to average assets | 1.8995% | 5,709 |
| Loan and lease loss provision to assets | 0.1601% | 1,321 |
| Net operating income to assets | 0.7162% | 3,812 |
| Return on assets (ROA) | 0.7162% | 3,931 |
| Pretax return on assets | 0.8541% | 4,116 |
| Return on Equity (ROE) | 7.2675% | 3,453 |
| Retained earnings to average equity (ytd only) | 7.2675% | 1,583 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1908% | 4,154 |
| Assets per employee ($millions) | 7.9490% | 535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9205% | 5,221 |
| Loan loss allowance to noncurrent loans | 65.9529% | 4,597 |
| Noncurrent assets plus other real estate owned to assets | 1.2832% | 1,964 |
| Noncurrent loans to loans | 1.3957% | 1,933 |
| Net loans and leases to total assets | 69.5119% | 2,402 |
| Net loans and leases to deposits | 103.3641% | 480 |
| Net loans and leases to core deposits | 109.4700% | 863 |
| Total domestic deposits to total assets | 67.2495% | 6,136 |
| Equity capital to assets | 9.4561% | 4,702 |
| Core capital (leverage) ratio | 9.8493% | 3,808 |
| Tier 1 risk-based capital ratio | 19.8652% | 1,581 |
| Total risk-based capital ratio | 21.1162% | 1,538 |
| Memoranda: | ||
| Average total assets | $44,959,670 | 5,793 |
| Average earning assets | $43,600,330 | 5,723 |
| Average equity | $4,430,670 | 5,909 |
| Average total loans | $31,144,000 | 5,431 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8513% | 3,818 |
| Cost of funding earning assets | 0.8590% | 362 |
| Net interest margin | 2.9923% | 5,236 |
| Noninterest income to average assets | 0.0734% | 6,168 |
| Noninterest expense to average assets | 1.9178% | 5,726 |
| Loan and lease loss provision to assets | 0.1652% | 1,214 |
| Net operating income to assets | 0.7708% | 3,422 |
| Return on assets (ROA) | 0.7708% | 3,557 |
| Pretax return on assets | 0.8992% | 3,895 |
| Return on Equity (ROE) | 7.6520% | 3,136 |
| Retained earnings to average equity (ytd only) | 7.6520% | 1,702 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3077% | 4,434 |
| Assets per employee ($millions) | 8.8218% | 385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9457% | 5,266 |
| Loan loss allowance to noncurrent loans | 79.8898% | 4,175 |
| Noncurrent assets plus other real estate owned to assets | 1.2492% | 2,139 |
| Noncurrent loans to loans | 1.1838% | 2,404 |
| Net loans and leases to total assets | 68.8612% | 2,309 |
| Net loans and leases to deposits | 95.0167% | 899 |
| Net loans and leases to core deposits | 100.5995% | 1,282 |
| Total domestic deposits to total assets | 72.4727% | 6,016 |
| Equity capital to assets | 10.0501% | 4,091 |
| Core capital (leverage) ratio | 10.1037% | 3,468 |
| Tier 1 risk-based capital ratio | 21.9217% | 1,256 |
| Total risk-based capital ratio | 23.1728% | 1,233 |
| Memoranda: | ||
| Average total assets | $43,592,500 | 5,878 |
| Average earning assets | $42,375,000 | 5,802 |
| Average equity | $4,391,000 | 5,975 |
| Average total loans | $29,985,500 | 5,508 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7634% | 4,608 |
| Cost of funding earning assets | 0.9606% | 273 |
| Net interest margin | 2.8028% | 5,802 |
| Noninterest income to average assets | 0.0233% | 6,353 |
| Noninterest expense to average assets | 1.9419% | 5,875 |
| Loan and lease loss provision to assets | 0.0979% | 2,517 |
| Net operating income to assets | 0.6015% | 4,355 |
| Return on assets (ROA) | 0.5618% | 4,638 |
| Pretax return on assets | 0.6644% | 4,742 |
| Return on Equity (ROE) | 5.7142% | 4,301 |
| Retained earnings to average equity (ytd only) | 5.7142% | 2,125 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5932% | 3,446 |
| Assets per employee ($millions) | 8.6152% | 414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9281% | 5,370 |
| Loan loss allowance to noncurrent loans | 71.2042% | 4,482 |
| Noncurrent assets plus other real estate owned to assets | 1.3232% | 2,125 |
| Noncurrent loans to loans | 1.3034% | 2,271 |
| Net loans and leases to total assets | 67.4041% | 2,667 |
| Net loans and leases to deposits | 89.1054% | 1,606 |
| Net loans and leases to core deposits | 94.1900% | 1,904 |
| Total domestic deposits to total assets | 75.6454% | 5,796 |
| Equity capital to assets | 10.0961% | 3,986 |
| Core capital (leverage) ratio | 10.3166% | 3,146 |
| Tier 1 risk-based capital ratio | 23.1150% | 1,071 |
| Total risk-based capital ratio | 24.3690% | 1,044 |
| Memoranda: | ||
| Average total assets | $42,896,000 | 5,953 |
| Average earning assets | $41,744,200 | 5,880 |
| Average equity | $4,217,600 | 6,049 |
| Average total loans | $28,406,400 | 5,632 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7808% | 4,614 |
| Cost of funding earning assets | 0.9852% | 263 |
| Net interest margin | 2.7956% | 5,874 |
| Noninterest income to average assets | 0.0031% | 6,471 |
| Noninterest expense to average assets | 1.8700% | 5,996 |
| Loan and lease loss provision to assets | 0.0933% | 2,493 |
| Net operating income to assets | 0.6580% | 4,173 |
| Return on assets (ROA) | 0.6472% | 4,323 |
| Pretax return on assets | 0.7468% | 4,534 |
| Return on Equity (ROE) | 6.6272% | 3,890 |
| Retained earnings to average equity (ytd only) | 6.6272% | 2,028 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6857% | 3,730 |
| Assets per employee ($millions) | 8.5454% | 410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8982% | 5,604 |
| Loan loss allowance to noncurrent loans | 226.0870% | 1,962 |
| Noncurrent assets plus other real estate owned to assets | 0.6296% | 3,941 |
| Noncurrent loans to loans | 0.3973% | 4,720 |
| Net loans and leases to total assets | 67.1426% | 2,663 |
| Net loans and leases to deposits | 86.7205% | 1,827 |
| Net loans and leases to core deposits | 91.5438% | 2,072 |
| Total domestic deposits to total assets | 77.4241% | 5,611 |
| Equity capital to assets | 10.1013% | 4,046 |
| Core capital (leverage) ratio | 10.2375% | 3,358 |
| Tier 1 risk-based capital ratio | 22.9552% | 1,122 |
| Total risk-based capital ratio | 24.2047% | 1,100 |
| Memoranda: | ||
| Average total assets | $42,851,000 | 6,026 |
| Average earning assets | $41,682,750 | 5,951 |
| Average equity | $4,184,750 | 6,117 |
| Average total loans | $28,181,250 | 5,699 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7562% | 4,669 |
| Cost of funding earning assets | 1.0157% | 240 |
| Net interest margin | 2.7405% | 6,003 |
| Noninterest income to average assets | 0.0140% | 6,526 |
| Noninterest expense to average assets | 1.8558% | 6,072 |
| Loan and lease loss provision to assets | 0.0979% | 2,393 |
| Net operating income to assets | 0.6700% | 3,993 |
| Return on assets (ROA) | 0.6528% | 4,181 |
| Pretax return on assets | 0.7088% | 4,608 |
| Return on Equity (ROE) | 6.7617% | 3,743 |
| Retained earnings to average equity (ytd only) | 6.7617% | 1,895 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2174% | 3,796 |
| Assets per employee ($millions) | 8.6492% | 377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8780% | 5,786 |
| Loan loss allowance to noncurrent loans | 243.6893% | 1,798 |
| Noncurrent assets plus other real estate owned to assets | 0.6128% | 4,136 |
| Noncurrent loans to loans | 0.3603% | 4,917 |
| Net loans and leases to total assets | 65.5228% | 2,830 |
| Net loans and leases to deposits | 83.4860% | 2,084 |
| Net loans and leases to core deposits | 88.7386% | 2,236 |
| Total domestic deposits to total assets | 78.4836% | 5,553 |
| Equity capital to assets | 9.7419% | 4,438 |
| Core capital (leverage) ratio | 10.0565% | 3,529 |
| Tier 1 risk-based capital ratio | 22.5226% | 1,186 |
| Total risk-based capital ratio | 23.7730% | 1,169 |
| Memoranda: | ||
| Average total assets | $42,892,330 | 6,081 |
| Average earning assets | $41,744,330 | 6,009 |
| Average equity | $4,141,000 | 6,168 |
| Average total loans | $27,925,670 | 5,754 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7792% | 4,570 |
| Cost of funding earning assets | 1.0674% | 192 |
| Net interest margin | 2.7118% | 6,098 |
| Noninterest income to average assets | 0.0281% | 6,544 |
| Noninterest expense to average assets | 1.9478% | 5,984 |
| Loan and lease loss provision to assets | 0.0843% | 2,498 |
| Net operating income to assets | 0.6368% | 4,015 |
| Return on assets (ROA) | 0.5993% | 4,284 |
| Pretax return on assets | 0.5993% | 4,832 |
| Return on Equity (ROE) | 6.2363% | 3,891 |
| Retained earnings to average equity (ytd only) | 6.2363% | 2,416 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9825% | 3,313 |
| Assets per employee ($millions) | 8.5534% | 394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8645% | 5,966 |
| Loan loss allowance to noncurrent loans | 259.7826% | 1,686 |
| Noncurrent assets plus other real estate owned to assets | 0.6758% | 4,093 |
| Noncurrent loans to loans | 0.3328% | 5,117 |
| Net loans and leases to total assets | 64.0868% | 2,873 |
| Net loans and leases to deposits | 78.9856% | 2,427 |
| Net loans and leases to core deposits | 83.8011% | 2,540 |
| Total domestic deposits to total assets | 81.1373% | 5,195 |
| Equity capital to assets | 9.6733% | 4,261 |
| Core capital (leverage) ratio | 9.9892% | 3,589 |
| Tier 1 risk-based capital ratio | 22.6296% | 1,187 |
| Total risk-based capital ratio | 23.8818% | 1,172 |
| Memoranda: | ||
| Average total assets | $42,715,500 | 6,147 |
| Average earning assets | $41,596,500 | 6,068 |
| Average equity | $4,105,000 | 6,222 |
| Average total loans | $27,595,000 | 5,826 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7998% | 4,818 |
| Cost of funding earning assets | 1.2397% | 144 |
| Net interest margin | 2.5601% | 6,315 |
| Noninterest income to average assets | 0.0441% | 6,563 |
| Noninterest expense to average assets | 1.9166% | 6,166 |
| Loan and lease loss provision to assets | 0.1471% | 2,450 |
| Net operating income to assets | 0.4706% | 4,866 |
| Return on assets (ROA) | 0.4730% | 4,995 |
| Pretax return on assets | 0.4730% | 5,288 |
| Return on Equity (ROE) | 4.7628% | 4,738 |
| Retained earnings to average equity (ytd only) | 4.7628% | 2,758 |
| Net charge-offs to loans | 0.1382% | 3,419 |
| Credit loss provision to net charge-offs | 171.4286% | 1,332 |
| Earnings coverage of net charge-offs (x) | 7.2000% | 2,893 |
| Efficiency ratio | 75.6286% | 2,838 |
| Assets per employee ($millions) | 7.1107% | 722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8351% | 6,090 |
| Loan loss allowance to noncurrent loans | 143.7500% | 2,763 |
| Noncurrent assets plus other real estate owned to assets | 0.8508% | 3,762 |
| Noncurrent loans to loans | 0.5809% | 4,531 |
| Net loans and leases to total assets | 64.0188% | 3,046 |
| Net loans and leases to deposits | 78.2338% | 2,695 |
| Net loans and leases to core deposits | 82.9376% | 2,781 |
| Total domestic deposits to total assets | 81.8301% | 4,935 |
| Equity capital to assets | 9.5467% | 4,351 |
| Core capital (leverage) ratio | 10.0062% | 3,564 |
| Tier 1 risk-based capital ratio | 22.7487% | 1,139 |
| Total risk-based capital ratio | 23.9942% | 1,115 |
| Memoranda: | ||
| Average total assets | $40,801,600 | 6,267 |
| Average earning assets | $39,686,200 | 6,176 |
| Average equity | $4,052,200 | 6,314 |
| Average total loans | $25,319,000 | 5,967 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8143% | 4,804 |
| Cost of funding earning assets | 1.2612% | 150 |
| Net interest margin | 2.5531% | 6,376 |
| Noninterest income to average assets | 0.0562% | 6,616 |
| Noninterest expense to average assets | 1.8940% | 6,193 |
| Loan and lease loss provision to assets | 0.1587% | 2,278 |
| Net operating income to assets | 0.4859% | 4,862 |
| Return on assets (ROA) | 0.4892% | 5,001 |
| Pretax return on assets | 0.4892% | 5,387 |
| Return on Equity (ROE) | 4.8760% | 4,787 |
| Retained earnings to average equity (ytd only) | 4.8760% | 3,172 |
| Net charge-offs to loans | 0.1885% | 2,712 |
| Credit loss provision to net charge-offs | 137.1429% | 1,711 |
| Earnings coverage of net charge-offs (x) | 5.5708% | 3,161 |
| Efficiency ratio | 74.6094% | 2,965 |
| Assets per employee ($millions) | 6.9863% | 758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8100% | 6,260 |
| Loan loss allowance to noncurrent loans | 330.3030% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 0.5869% | 4,682 |
| Noncurrent loans to loans | 0.2452% | 5,618 |
| Net loans and leases to total assets | 63.6815% | 3,049 |
| Net loans and leases to deposits | 76.3580% | 2,903 |
| Net loans and leases to core deposits | 80.9056% | 3,015 |
| Total domestic deposits to total assets | 83.3985% | 4,417 |
| Equity capital to assets | 9.6092% | 4,405 |
| Core capital (leverage) ratio | 10.2111% | 3,387 |
| Tier 1 risk-based capital ratio | 23.4776% | 1,073 |
| Total risk-based capital ratio | 24.7091% | 1,056 |
| Memoranda: | ||
| Average total assets | $40,336,000 | 6,350 |
| Average earning assets | $39,219,750 | 6,260 |
| Average equity | $4,047,000 | 6,392 |
| Average total loans | $24,763,000 | 6,052 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8745% | 4,573 |
| Cost of funding earning assets | 1.2881% | 149 |
| Net interest margin | 2.5865% | 6,347 |
| Noninterest income to average assets | 0.0603% | 6,637 |
| Noninterest expense to average assets | 1.8890% | 6,241 |
| Loan and lease loss provision to assets | 0.1809% | 2,100 |
| Net operating income to assets | 0.5024% | 4,784 |
| Return on assets (ROA) | 0.5024% | 4,954 |
| Pretax return on assets | 0.5024% | 5,367 |
| Return on Equity (ROE) | 4.9342% | 4,762 |
| Retained earnings to average equity (ytd only) | 4.9342% | 3,094 |
| Net charge-offs to loans | 0.2911% | 2,024 |
| Credit loss provision to net charge-offs | 102.8571% | 2,153 |
| Earnings coverage of net charge-offs (x) | 3.8857% | 3,275 |
| Efficiency ratio | 73.4375% | 3,237 |
| Assets per employee ($millions) | 6.6750% | 836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8599% | 6,233 |
| Loan loss allowance to noncurrent loans | 468.1818% | 928 |
| Noncurrent assets plus other real estate owned to assets | 0.6692% | 4,547 |
| Noncurrent loans to loans | 0.1837% | 5,854 |
| Net loans and leases to total assets | 59.2984% | 3,778 |
| Net loans and leases to deposits | 66.0483% | 4,261 |
| Net loans and leases to core deposits | 69.8377% | 4,293 |
| Total domestic deposits to total assets | 89.7803% | 1,158 |
| Equity capital to assets | 10.2147% | 3,646 |
| Core capital (leverage) ratio | 10.2644% | 3,148 |
| Tier 1 risk-based capital ratio | 25.1070% | 863 |
| Total risk-based capital ratio | 26.3660% | 848 |
| Memoranda: | ||
| Average total assets | $39,808,670 | 6,408 |
| Average earning assets | $38,662,670 | 6,327 |
| Average equity | $4,053,330 | 6,439 |
| Average total loans | $24,046,670 | 6,121 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9765% | 4,213 |
| Cost of funding earning assets | 1.3012% | 156 |
| Net interest margin | 2.6753% | 6,260 |
| Noninterest income to average assets | 0.0605% | 6,697 |
| Noninterest expense to average assets | 1.9351% | 6,217 |
| Loan and lease loss provision to assets | 0.1814% | 2,042 |
| Net operating income to assets | 0.5342% | 4,521 |
| Return on assets (ROA) | 0.5342% | 4,667 |
| Pretax return on assets | 0.5342% | 5,162 |
| Return on Equity (ROE) | 5.2547% | 4,427 |
| Retained earnings to average equity (ytd only) | 5.2547% | 3,078 |
| Net charge-offs to loans | 0.1992% | 2,222 |
| Credit loss provision to net charge-offs | 150.0000% | 1,364 |
| Earnings coverage of net charge-offs (x) | 5.9167% | 2,306 |
| Efficiency ratio | 73.0038% | 3,443 |
| Assets per employee ($millions) | 6.5890% | 947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8769% | 6,310 |
| Loan loss allowance to noncurrent loans | 274.0260% | 1,430 |
| Noncurrent assets plus other real estate owned to assets | 0.6501% | 4,741 |
| Noncurrent loans to loans | 0.3200% | 5,594 |
| Net loans and leases to total assets | 60.3303% | 3,371 |
| Net loans and leases to deposits | 67.3529% | 3,865 |
| Net loans and leases to core deposits | 70.5359% | 4,003 |
| Total domestic deposits to total assets | 89.5735% | 1,313 |
| Equity capital to assets | 10.2722% | 3,830 |
| Core capital (leverage) ratio | 10.2277% | 3,110 |
| Tier 1 risk-based capital ratio | 23.9728% | 1,017 |
| Total risk-based capital ratio | 25.2184% | 1,001 |
| Memoranda: | ||
| Average total assets | $39,688,000 | 6,471 |
| Average earning assets | $38,425,500 | 6,389 |
| Average equity | $4,034,500 | 6,505 |
| Average total loans | $24,092,500 | 6,167 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0977% | 4,958 |
| Cost of funding earning assets | 1.7034% | 71 |
| Net interest margin | 2.3943% | 6,783 |
| Noninterest income to average assets | -0.0122% | 6,853 |
| Noninterest expense to average assets | 1.8535% | 6,550 |
| Loan and lease loss provision to assets | 0.0906% | 4,558 |
| Net operating income to assets | 0.3599% | 5,252 |
| Return on assets (ROA) | 0.3599% | 5,479 |
| Pretax return on assets | 0.3599% | 5,683 |
| Return on Equity (ROE) | 3.7344% | 5,259 |
| Retained earnings to average equity (ytd only) | 3.7344% | 3,585 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4463% | 2,091 |
| Assets per employee ($millions) | 6.6403% | 927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8498% | 6,393 |
| Loan loss allowance to noncurrent loans | 186.3636% | 1,958 |
| Noncurrent assets plus other real estate owned to assets | 0.7580% | 4,577 |
| Noncurrent loans to loans | 0.4560% | 5,366 |
| Net loans and leases to total assets | 60.0321% | 3,598 |
| Net loans and leases to deposits | 66.8549% | 4,155 |
| Net loans and leases to core deposits | 69.4503% | 4,379 |
| Total domestic deposits to total assets | 89.7947% | 1,069 |
| Equity capital to assets | 10.0597% | 4,093 |
| Core capital (leverage) ratio | 10.0022% | 3,394 |
| Tier 1 risk-based capital ratio | 23.0902% | 1,101 |
| Total risk-based capital ratio | 24.2712% | 1,092 |
| Memoranda: | ||
| Average total assets | $40,841,000 | 6,476 |
| Average earning assets | $39,510,200 | 6,377 |
| Average equity | $3,936,400 | 6,579 |
| Average total loans | $23,556,000 | 6,265 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1255% | 5,092 |
| Cost of funding earning assets | 1.7643% | 66 |
| Net interest margin | 2.3613% | 6,916 |
| Noninterest income to average assets | -0.0357% | 6,990 |
| Noninterest expense to average assets | 1.8365% | 6,638 |
| Loan and lease loss provision to assets | 0.0714% | 4,779 |
| Net operating income to assets | 0.3407% | 5,472 |
| Return on assets (ROA) | 0.3407% | 5,673 |
| Pretax return on assets | 0.3407% | 5,869 |
| Return on Equity (ROE) | 3.5728% | 5,469 |
| Retained earnings to average equity (ytd only) | 3.5728% | 4,362 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6739% | 1,845 |
| Assets per employee ($millions) | 6.9162% | 775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7971% | 6,607 |
| Loan loss allowance to noncurrent loans | 154.4715% | 2,232 |
| Noncurrent assets plus other real estate owned to assets | 0.5711% | 5,240 |
| Noncurrent loans to loans | 0.5160% | 5,408 |
| Net loans and leases to total assets | 56.9800% | 4,299 |
| Net loans and leases to deposits | 63.1173% | 4,826 |
| Net loans and leases to core deposits | 65.9057% | 4,964 |
| Total domestic deposits to total assets | 90.2764% | 689 |
| Equity capital to assets | 9.5573% | 5,132 |
| Core capital (leverage) ratio | 9.6027% | 4,111 |
| Tier 1 risk-based capital ratio | 22.7434% | 1,208 |
| Total risk-based capital ratio | 23.8330% | 1,215 |
| Memoranda: | ||
| Average total assets | $41,090,750 | 6,546 |
| Average earning assets | $39,751,500 | 6,444 |
| Average equity | $3,918,500 | 6,664 |
| Average total loans | $23,414,250 | 6,361 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2474% | 4,770 |
| Cost of funding earning assets | 1.8232% | 62 |
| Net interest margin | 2.4242% | 6,948 |
| Noninterest income to average assets | -0.0781% | 7,076 |
| Noninterest expense to average assets | 1.8410% | 6,700 |
| Loan and lease loss provision to assets | 0.0440% | 5,130 |
| Net operating income to assets | 0.3809% | 5,291 |
| Return on assets (ROA) | 0.3809% | 5,527 |
| Pretax return on assets | 0.3809% | 5,752 |
| Return on Equity (ROE) | 3.9973% | 5,265 |
| Retained earnings to average equity (ytd only) | 3.9973% | 3,950 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2500% | 1,996 |
| Assets per employee ($millions) | 6.9075% | 759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7604% | 6,747 |
| Loan loss allowance to noncurrent loans | 143.9024% | 2,328 |
| Noncurrent assets plus other real estate owned to assets | 0.5767% | 5,322 |
| Noncurrent loans to loans | 0.5284% | 5,467 |
| Net loans and leases to total assets | 55.7389% | 4,505 |
| Net loans and leases to deposits | 61.6602% | 5,044 |
| Net loans and leases to core deposits | 64.3589% | 5,171 |
| Total domestic deposits to total assets | 90.3969% | 716 |
| Equity capital to assets | 9.5042% | 5,054 |
| Core capital (leverage) ratio | 9.5598% | 4,063 |
| Tier 1 risk-based capital ratio | 23.2994% | 1,096 |
| Total risk-based capital ratio | 24.3464% | 1,100 |
| Memoranda: | ||
| Average total assets | $40,955,330 | 6,595 |
| Average earning assets | $39,600,330 | 6,493 |
| Average equity | $3,902,670 | 6,713 |
| Average total loans | $23,274,000 | 6,402 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3753% | 4,430 |
| Cost of funding earning assets | 1.8824% | 63 |
| Net interest margin | 2.4929% | 6,959 |
| Noninterest income to average assets | -0.0491% | 7,139 |
| Noninterest expense to average assets | 1.8668% | 6,704 |
| Loan and lease loss provision to assets | 0.0393% | 4,896 |
| Net operating income to assets | 0.4520% | 5,028 |
| Return on assets (ROA) | 0.4520% | 5,219 |
| Pretax return on assets | 0.4520% | 5,575 |
| Return on Equity (ROE) | 4.7368% | 4,918 |
| Retained earnings to average equity (ytd only) | 4.7368% | 3,719 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1667% | 2,322 |
| Assets per employee ($millions) | 6.8257% | 827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7265% | 6,845 |
| Loan loss allowance to noncurrent loans | 91.0053% | 3,314 |
| Noncurrent assets plus other real estate owned to assets | 1.0011% | 4,492 |
| Noncurrent loans to loans | 0.7983% | 5,079 |
| Net loans and leases to total assets | 57.3863% | 4,148 |
| Net loans and leases to deposits | 63.5378% | 4,700 |
| Net loans and leases to core deposits | 66.3299% | 4,878 |
| Total domestic deposits to total assets | 90.3184% | 901 |
| Equity capital to assets | 9.5400% | 4,738 |
| Core capital (leverage) ratio | 9.6196% | 3,888 |
| Tier 1 risk-based capital ratio | 23.3365% | 1,090 |
| Total risk-based capital ratio | 24.3639% | 1,100 |
| Memoranda: | ||
| Average total assets | $40,710,500 | 6,661 |
| Average earning assets | $39,311,500 | 6,550 |
| Average equity | $3,884,500 | 6,754 |
| Average total loans | $23,272,000 | 6,450 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6429% | 4,484 |
| Cost of funding earning assets | 2.4453% | 28 |
| Net interest margin | 2.1976% | 7,176 |
| Noninterest income to average assets | 0.0071% | 6,963 |
| Noninterest expense to average assets | 1.8757% | 6,859 |
| Loan and lease loss provision to assets | 0.1767% | 4,425 |
| Net operating income to assets | 0.0518% | 5,961 |
| Return on assets (ROA) | 0.0518% | 6,067 |
| Pretax return on assets | 0.0660% | 6,024 |
| Return on Equity (ROE) | 0.5726% | 6,043 |
| Retained earnings to average equity (ytd only) | 0.5726% | 5,575 |
| Net charge-offs to loans | 0.2735% | 4,057 |
| Credit loss provision to net charge-offs | 119.0476% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1.6349% | 4,546 |
| Efficiency ratio | 88.5428% | 1,314 |
| Assets per employee ($millions) | 6.7445% | 841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7346% | 6,855 |
| Loan loss allowance to noncurrent loans | 88.4211% | 3,383 |
| Noncurrent assets plus other real estate owned to assets | 1.0280% | 4,554 |
| Noncurrent loans to loans | 0.8308% | 5,027 |
| Net loans and leases to total assets | 56.1000% | 4,680 |
| Net loans and leases to deposits | 62.1156% | 5,226 |
| Net loans and leases to core deposits | 63.5021% | 5,521 |
| Total domestic deposits to total assets | 90.3156% | 804 |
| Equity capital to assets | 9.5436% | 4,809 |
| Core capital (leverage) ratio | 9.3463% | 4,256 |
| Tier 1 risk-based capital ratio | 23.3255% | 1,064 |
| Total risk-based capital ratio | 24.3402% | 1,074 |
| Memoranda: | ||
| Average total assets | $42,436,400 | 6,587 |
| Average earning assets | $40,771,800 | 6,502 |
| Average equity | $3,841,800 | 6,793 |
| Average total loans | $23,036,600 | 6,510 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6630% | 4,619 |
| Cost of funding earning assets | 2.5079% | 29 |
| Net interest margin | 2.1551% | 7,270 |
| Noninterest income to average assets | 0.0062% | 7,088 |
| Noninterest expense to average assets | 1.8604% | 6,906 |
| Loan and lease loss provision to assets | 0.1584% | 4,485 |
| Net operating income to assets | 0.0155% | 6,131 |
| Return on assets (ROA) | 0.0155% | 6,232 |
| Pretax return on assets | 0.0559% | 6,153 |
| Return on Equity (ROE) | 0.1738% | 6,225 |
| Retained earnings to average equity (ytd only) | 0.1738% | 5,904 |
| Net charge-offs to loans | 0.3640% | 3,267 |
| Credit loss provision to net charge-offs | 80.9524% | 4,114 |
| Earnings coverage of net charge-offs (x) | 1.0952% | 4,810 |
| Efficiency ratio | 89.6707% | 1,189 |
| Assets per employee ($millions) | 7.0547% | 726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6270% | 7,051 |
| Loan loss allowance to noncurrent loans | 55.8140% | 4,661 |
| Noncurrent assets plus other real estate owned to assets | 1.2616% | 4,277 |
| Noncurrent loans to loans | 1.1233% | 4,666 |
| Net loans and leases to total assets | 53.9218% | 5,169 |
| Net loans and leases to deposits | 59.4158% | 5,704 |
| Net loans and leases to core deposits | 61.0823% | 5,904 |
| Total domestic deposits to total assets | 90.7532% | 532 |
| Equity capital to assets | 9.0815% | 5,655 |
| Core capital (leverage) ratio | 9.0394% | 4,868 |
| Tier 1 risk-based capital ratio | 22.3073% | 1,236 |
| Total risk-based capital ratio | 23.1430% | 1,283 |
| Memoranda: | ||
| Average total assets | $42,928,750 | 6,628 |
| Average earning assets | $41,202,750 | 6,536 |
| Average equity | $3,836,750 | 6,849 |
| Average total loans | $23,078,250 | 6,575 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6329% | 4,830 |
| Cost of funding earning assets | 2.5728% | 27 |
| Net interest margin | 2.0601% | 7,354 |
| Noninterest income to average assets | -0.0278% | 7,234 |
| Noninterest expense to average assets | 1.9059% | 6,941 |
| Loan and lease loss provision to assets | 0.1252% | 4,723 |
| Net operating income to assets | -0.1438% | 6,408 |
| Return on assets (ROA) | -0.1438% | 6,452 |
| Pretax return on assets | -0.0835% | 6,346 |
| Return on Equity (ROE) | -1.6170% | 6,476 |
| Retained earnings to average equity (ytd only) | -1.6170% | 6,180 |
| Net charge-offs to loans | 0.5451% | 2,465 |
| Credit loss provision to net charge-offs | 42.8571% | 4,760 |
| Earnings coverage of net charge-offs (x) | 0.1429% | 5,194 |
| Efficiency ratio | 97.8571% | 795 |
| Assets per employee ($millions) | 7.1440% | 679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5150% | 7,216 |
| Loan loss allowance to noncurrent loans | 45.8015% | 5,269 |
| Noncurrent assets plus other real estate owned to assets | 1.2458% | 4,406 |
| Noncurrent loans to loans | 1.1245% | 4,781 |
| Net loans and leases to total assets | 54.0780% | 5,288 |
| Net loans and leases to deposits | 59.7669% | 5,749 |
| Net loans and leases to core deposits | 61.4154% | 5,955 |
| Total domestic deposits to total assets | 90.4815% | 720 |
| Equity capital to assets | 8.8839% | 5,726 |
| Core capital (leverage) ratio | 8.7333% | 5,170 |
| Tier 1 risk-based capital ratio | 21.8838% | 1,277 |
| Total risk-based capital ratio | 22.5734% | 1,345 |
| Memoranda: | ||
| Average total assets | $43,129,000 | 6,674 |
| Average earning assets | $41,356,330 | 6,588 |
| Average equity | $3,834,330 | 6,892 |
| Average total loans | $23,115,000 | 6,635 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7225% | 4,411 |
| Cost of funding earning assets | 2.6075% | 31 |
| Net interest margin | 2.1150% | 7,385 |
| Noninterest income to average assets | 0.1110% | 6,858 |
| Noninterest expense to average assets | 1.9509% | 6,905 |
| Loan and lease loss provision to assets | 0.0277% | 5,616 |
| Net operating income to assets | 0.1572% | 5,919 |
| Return on assets (ROA) | 0.1572% | 5,974 |
| Pretax return on assets | 0.1572% | 6,035 |
| Return on Equity (ROE) | 1.7674% | 5,880 |
| Retained earnings to average equity (ytd only) | 1.7674% | 5,061 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3420% | 1,217 |
| Assets per employee ($millions) | 7.2153% | 660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6968% | 7,080 |
| Loan loss allowance to noncurrent loans | 530.0000% | 612 |
| Noncurrent assets plus other real estate owned to assets | 0.9216% | 5,055 |
| Noncurrent loans to loans | 0.1315% | 6,717 |
| Net loans and leases to total assets | 52.3445% | 5,535 |
| Net loans and leases to deposits | 58.9977% | 5,824 |
| Net loans and leases to core deposits | 60.2238% | 6,078 |
| Total domestic deposits to total assets | 88.7231% | 1,942 |
| Equity capital to assets | 8.9070% | 5,334 |
| Core capital (leverage) ratio | 8.8899% | 4,788 |
| Tier 1 risk-based capital ratio | 22.0330% | 1,222 |
| Total risk-based capital ratio | 22.9415% | 1,257 |
| Memoranda: | ||
| Average total assets | $43,261,500 | 6,719 |
| Average earning assets | $41,419,000 | 6,634 |
| Average equity | $3,847,500 | 6,922 |
| Average total loans | $23,022,500 | 6,692 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8199% | 5,348 |
| Cost of funding earning assets | 2.8165% | 42 |
| Net interest margin | 2.0035% | 7,456 |
| Noninterest income to average assets | -0.2513% | 7,491 |
| Noninterest expense to average assets | 1.9043% | 7,156 |
| Loan and lease loss provision to assets | 0.0683% | 6,464 |
| Net operating income to assets | -0.2116% | 6,127 |
| Return on assets (ROA) | -0.2116% | 6,181 |
| Pretax return on assets | -0.3174% | 6,174 |
| Return on Equity (ROE) | -2.4758% | 6,229 |
| Retained earnings to average equity (ytd only) | -2.4758% | 6,045 |
| Net charge-offs to loans | 0.0343% | 6,458 |
| Credit loss provision to net charge-offs | 387.5000% | 638 |
| Earnings coverage of net charge-offs (x) | -14.1250% | 6,808 |
| Efficiency ratio | 115.0466% | 465 |
| Assets per employee ($millions) | 7.2052% | 677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6717% | 7,171 |
| Loan loss allowance to noncurrent loans | 84.7826% | 3,360 |
| Noncurrent assets plus other real estate owned to assets | 1.1381% | 4,735 |
| Noncurrent loans to loans | 0.7922% | 5,455 |
| Net loans and leases to total assets | 53.3622% | 5,725 |
| Net loans and leases to deposits | 58.5909% | 6,201 |
| Net loans and leases to core deposits | 59.0106% | 6,471 |
| Total domestic deposits to total assets | 91.0758% | 566 |
| Equity capital to assets | 8.8802% | 5,317 |
| Core capital (leverage) ratio | 8.8701% | 4,749 |
| Tier 1 risk-based capital ratio | 21.6063% | 1,231 |
| Total risk-based capital ratio | 22.4842% | 1,261 |
| Memoranda: | ||
| Average total assets | $45,370,200 | 6,684 |
| Average earning assets | $43,174,800 | 6,611 |
| Average equity | $3,877,600 | 7,036 |
| Average total loans | $23,302,600 | 6,761 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8921% | 5,305 |
| Cost of funding earning assets | 2.8313% | 47 |
| Net interest margin | 2.0608% | 7,562 |
| Noninterest income to average assets | -0.3631% | 7,646 |
| Noninterest expense to average assets | 1.8414% | 7,284 |
| Loan and lease loss provision to assets | 0.0813% | 6,231 |
| Net operating income to assets | -0.1888% | 6,308 |
| Return on assets (ROA) | -0.1888% | 6,374 |
| Pretax return on assets | -0.3282% | 6,431 |
| Return on Equity (ROE) | -2.2293% | 6,424 |
| Retained earnings to average equity (ytd only) | -2.2293% | 6,243 |
| Net charge-offs to loans | 0.0458% | 6,079 |
| Credit loss provision to net charge-offs | 350.0000% | 901 |
| Earnings coverage of net charge-offs (x) | -10.6214% | 6,625 |
| Efficiency ratio | 115.4827% | 441 |
| Assets per employee ($millions) | 7.2973% | 678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6588% | 7,268 |
| Loan loss allowance to noncurrent loans | 166.3043% | 1,715 |
| Noncurrent assets plus other real estate owned to assets | 0.8816% | 5,332 |
| Noncurrent loans to loans | 0.3961% | 6,408 |
| Net loans and leases to total assets | 52.6928% | 6,014 |
| Net loans and leases to deposits | 57.8467% | 6,475 |
| Net loans and leases to core deposits | 58.2557% | 6,715 |
| Total domestic deposits to total assets | 91.0904% | 415 |
| Equity capital to assets | 8.8388% | 5,796 |
| Core capital (leverage) ratio | 8.7519% | 5,101 |
| Tier 1 risk-based capital ratio | 21.7905% | 1,238 |
| Total risk-based capital ratio | 22.6520% | 1,277 |
| Memoranda: | ||
| Average total assets | $45,905,000 | 6,743 |
| Average earning assets | $43,606,750 | 6,677 |
| Average equity | $3,887,250 | 7,120 |
| Average total loans | $23,322,000 | 6,848 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9247% | 5,288 |
| Cost of funding earning assets | 2.8245% | 57 |
| Net interest margin | 2.1002% | 7,620 |
| Noninterest income to average assets | -0.4934% | 7,748 |
| Noninterest expense to average assets | 1.8579% | 7,318 |
| Loan and lease loss provision to assets | 0.1073% | 5,842 |
| Net operating income to assets | -0.2660% | 6,435 |
| Return on assets (ROA) | -0.2660% | 6,479 |
| Pretax return on assets | -0.4677% | 6,558 |
| Return on Equity (ROE) | -3.1852% | 6,534 |
| Retained earnings to average equity (ytd only) | -3.1852% | 6,325 |
| Net charge-offs to loans | 0.0685% | 5,457 |
| Credit loss provision to net charge-offs | 312.5000% | 1,165 |
| Earnings coverage of net charge-offs (x) | -10.5000% | 6,327 |
| Efficiency ratio | 124.0688% | 362 |
| Assets per employee ($millions) | 7.6333% | 587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6418% | 7,352 |
| Loan loss allowance to noncurrent loans | 156.2500% | 1,788 |
| Noncurrent assets plus other real estate owned to assets | 0.8886% | 5,341 |
| Noncurrent loans to loans | 0.4107% | 6,425 |
| Net loans and leases to total assets | 50.7052% | 6,352 |
| Net loans and leases to deposits | 57.2686% | 6,635 |
| Net loans and leases to core deposits | 57.6668% | 6,854 |
| Total domestic deposits to total assets | 88.5393% | 1,705 |
| Equity capital to assets | 8.4585% | 6,219 |
| Core capital (leverage) ratio | 8.4004% | 5,584 |
| Tier 1 risk-based capital ratio | 21.1960% | 1,311 |
| Total risk-based capital ratio | 22.0167% | 1,354 |
| Memoranda: | ||
| Average total assets | $46,612,000 | 6,771 |
| Average earning assets | $44,185,330 | 6,691 |
| Average equity | $3,893,000 | 7,152 |
| Average total loans | $23,354,670 | 6,897 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9562% | 5,210 |
| Cost of funding earning assets | 2.8836% | 64 |
| Net interest margin | 2.0726% | 7,697 |
| Noninterest income to average assets | -0.6210% | 7,875 |
| Noninterest expense to average assets | 1.8461% | 7,415 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.5615% | 6,870 |
| Return on assets (ROA) | -0.5615% | 6,903 |
| Pretax return on assets | -0.5104% | 6,794 |
| Return on Equity (ROE) | -6.7649% | 6,974 |
| Retained earnings to average equity (ytd only) | -6.7649% | 6,712 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 138.2166% | 269 |
| Assets per employee ($millions) | 7.8035% | 557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5687% | 7,537 |
| Loan loss allowance to noncurrent loans | 138.5417% | 2,021 |
| Noncurrent assets plus other real estate owned to assets | 1.3135% | 4,566 |
| Noncurrent loans to loans | 0.4105% | 6,472 |
| Net loans and leases to total assets | 49.6615% | 6,503 |
| Net loans and leases to deposits | 56.6901% | 6,722 |
| Net loans and leases to core deposits | 57.0797% | 6,931 |
| Total domestic deposits to total assets | 87.6017% | 2,300 |
| Equity capital to assets | 8.2655% | 6,346 |
| Core capital (leverage) ratio | 8.2269% | 5,872 |
| Tier 1 risk-based capital ratio | 20.4200% | 1,444 |
| Total risk-based capital ratio | 21.1218% | 1,513 |
| Memoranda: | ||
| Average total assets | $47,018,000 | 6,840 |
| Average earning assets | $44,388,500 | 6,762 |
| Average equity | $3,902,500 | 7,218 |
| Average total loans | $23,345,500 | 6,978 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3373% | 4,992 |
| Cost of funding earning assets | 3.1702% | 141 |
| Net interest margin | 2.1670% | 7,662 |
| Noninterest income to average assets | -0.2156% | 7,862 |
| Noninterest expense to average assets | 1.8044% | 7,603 |
| Loan and lease loss provision to assets | 0.2030% | 5,716 |
| Net operating income to assets | 0.1382% | 5,086 |
| Return on assets (ROA) | 0.1382% | 5,153 |
| Pretax return on assets | -0.1612% | 5,662 |
| Return on Equity (ROE) | 1.6708% | 5,031 |
| Retained earnings to average equity (ytd only) | 1.6708% | 3,916 |
| Net charge-offs to loans | 0.5523% | 3,577 |
| Credit loss provision to net charge-offs | 78.8618% | 6,314 |
| Earnings coverage of net charge-offs (x) | 0.1626% | 5,996 |
| Efficiency ratio | 97.7324% | 1,227 |
| Assets per employee ($millions) | 7.8692% | 546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5707% | 7,597 |
| Loan loss allowance to noncurrent loans | 156.4706% | 1,844 |
| Noncurrent assets plus other real estate owned to assets | 1.4678% | 4,197 |
| Noncurrent loans to loans | 0.3647% | 6,548 |
| Net loans and leases to total assets | 49.0797% | 6,721 |
| Net loans and leases to deposits | 54.7864% | 6,997 |
| Net loans and leases to core deposits | 73.8535% | 6,543 |
| Total domestic deposits to total assets | 89.5838% | 1,165 |
| Equity capital to assets | 8.3342% | 6,148 |
| Core capital (leverage) ratio | 8.2893% | 5,640 |
| Tier 1 risk-based capital ratio | 21.0147% | 1,288 |
| Total risk-based capital ratio | 21.7250% | 1,345 |
| Memoranda: | ||
| Average total assets | $47,771,600 | 6,800 |
| Average earning assets | $45,454,000 | 6,700 |
| Average equity | $3,950,200 | 7,315 |
| Average total loans | $22,271,000 | 7,074 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4161% | 4,872 |
| Cost of funding earning assets | 3.1930% | 193 |
| Net interest margin | 2.2231% | 7,698 |
| Noninterest income to average assets | 0.1920% | 6,845 |
| Noninterest expense to average assets | 1.7254% | 7,734 |
| Loan and lease loss provision to assets | 0.6289% | 2,875 |
| Net operating income to assets | 0.3534% | 4,581 |
| Return on assets (ROA) | 0.3534% | 4,677 |
| Pretax return on assets | -0.0445% | 5,778 |
| Return on Equity (ROE) | 4.2825% | 4,258 |
| Retained earnings to average equity (ytd only) | 4.2825% | 2,883 |
| Net charge-offs to loans | 1.4900% | 1,376 |
| Credit loss provision to net charge-offs | 91.8699% | 5,436 |
| Earnings coverage of net charge-offs (x) | 0.8537% | 5,205 |
| Efficiency ratio | 74.6988% | 3,742 |
| Assets per employee ($millions) | 7.9222% | 529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6079% | 7,566 |
| Loan loss allowance to noncurrent loans | 72.3958% | 3,720 |
| Noncurrent assets plus other real estate owned to assets | 1.7651% | 3,716 |
| Noncurrent loans to loans | 0.8397% | 5,617 |
| Net loans and leases to total assets | 47.8131% | 6,972 |
| Net loans and leases to deposits | 54.3799% | 7,184 |
| Net loans and leases to core deposits | 73.7004% | 6,744 |
| Total domestic deposits to total assets | 87.9242% | 1,692 |
| Equity capital to assets | 8.4068% | 6,375 |
| Core capital (leverage) ratio | 8.3907% | 5,679 |
| Tier 1 risk-based capital ratio | 21.1440% | 1,349 |
| Total risk-based capital ratio | 21.8795% | 1,388 |
| Memoranda: | ||
| Average total assets | $47,910,750 | 6,840 |
| Average earning assets | $45,640,250 | 6,752 |
| Average equity | $3,954,000 | 7,379 |
| Average total loans | $22,012,250 | 7,147 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5261% | 4,471 |
| Cost of funding earning assets | 3.2108% | 257 |
| Net interest margin | 2.3153% | 7,670 |
| Noninterest income to average assets | -0.4330% | 8,112 |
| Noninterest expense to average assets | 1.6571% | 7,873 |
| Loan and lease loss provision to assets | 0.2290% | 4,749 |
| Net operating income to assets | 0.4830% | 4,156 |
| Return on assets (ROA) | 0.4830% | 4,269 |
| Pretax return on assets | -0.1124% | 6,005 |
| Return on Equity (ROE) | 5.8883% | 3,705 |
| Retained earnings to average equity (ytd only) | 5.8883% | 2,073 |
| Net charge-offs to loans | 0.1197% | 4,963 |
| Credit loss provision to net charge-offs | 423.0769% | 1,092 |
| Earnings coverage of net charge-offs (x) | 2.1538% | 3,997 |
| Efficiency ratio | 93.4272% | 1,538 |
| Assets per employee ($millions) | 7.6853% | 566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8923% | 6,811 |
| Loan loss allowance to noncurrent loans | 22.4832% | 6,988 |
| Noncurrent assets plus other real estate owned to assets | 3.6672% | 1,681 |
| Noncurrent loans to loans | 3.9686% | 1,717 |
| Net loans and leases to total assets | 48.4169% | 7,001 |
| Net loans and leases to deposits | 53.4319% | 7,312 |
| Net loans and leases to core deposits | 71.6404% | 6,919 |
| Total domestic deposits to total assets | 90.6142% | 590 |
| Equity capital to assets | 8.6420% | 5,832 |
| Core capital (leverage) ratio | 8.5727% | 5,309 |
| Tier 1 risk-based capital ratio | 22.1291% | 1,232 |
| Total risk-based capital ratio | 23.2452% | 1,229 |
| Memoranda: | ||
| Average total assets | $48,036,670 | 6,905 |
| Average earning assets | $45,782,670 | 6,805 |
| Average equity | $3,940,000 | 7,439 |
| Average total loans | $21,727,670 | 7,228 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2310% | 1,499 |
| Cost of funding earning assets | 3.2138% | 328 |
| Net interest margin | 3.0172% | 6,434 |
| Noninterest income to average assets | -0.5796% | 8,197 |
| Noninterest expense to average assets | 1.5592% | 7,936 |
| Loan and lease loss provision to assets | 0.3755% | 3,076 |
| Net operating income to assets | 0.8000% | 3,128 |
| Return on assets (ROA) | 0.8000% | 3,289 |
| Pretax return on assets | 0.3674% | 5,492 |
| Return on Equity (ROE) | 10.0064% | 2,318 |
| Retained earnings to average equity (ytd only) | 10.0064% | 1,197 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7305% | 5,016 |
| Assets per employee ($millions) | 8.1697% | 471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9401% | 6,554 |
| Loan loss allowance to noncurrent loans | 28.0438% | 6,684 |
| Noncurrent assets plus other real estate owned to assets | 2.5644% | 2,239 |
| Noncurrent loans to loans | 3.3521% | 1,915 |
| Net loans and leases to total assets | 44.0695% | 7,332 |
| Net loans and leases to deposits | 52.3545% | 7,378 |
| Net loans and leases to core deposits | 68.8883% | 7,086 |
| Total domestic deposits to total assets | 84.1752% | 3,620 |
| Equity capital to assets | 8.0929% | 6,680 |
| Core capital (leverage) ratio | 8.1039% | 6,284 |
| Tier 1 risk-based capital ratio | 21.7120% | 1,333 |
| Total risk-based capital ratio | 22.8340% | 1,327 |
| Memoranda: | ||
| Average total assets | $48,999,000 | 6,907 |
| Average earning assets | $46,798,500 | 6,803 |
| Average equity | $3,917,500 | 7,484 |
| Average total loans | $21,328,000 | 7,292 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6578% | 6,910 |
| Cost of funding earning assets | 3.6209% | 356 |
| Net interest margin | 2.0369% | 8,045 |
| Noninterest income to average assets | -1.2139% | 8,294 |
| Noninterest expense to average assets | 1.8022% | 7,751 |
| Loan and lease loss provision to assets | 0.1512% | 5,433 |
| Net operating income to assets | -1.0378% | 7,267 |
| Return on assets (ROA) | -1.0378% | 7,187 |
| Pretax return on assets | -1.2388% | 7,137 |
| Return on Equity (ROE) | -11.8968% | 7,419 |
| Retained earnings to average equity (ytd only) | -11.8968% | 7,237 |
| Net charge-offs to loans | 0.2282% | 3,959 |
| Credit loss provision to net charge-offs | 158.6957% | 3,259 |
| Earnings coverage of net charge-offs (x) | -11.4130% | 6,908 |
| Efficiency ratio | 252.1739% | 136 |
| Assets per employee ($millions) | 8.1633% | 445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7626% | 7,238 |
| Loan loss allowance to noncurrent loans | 28.1915% | 6,822 |
| Noncurrent assets plus other real estate owned to assets | 2.9073% | 1,597 |
| Noncurrent loans to loans | 2.7052% | 2,004 |
| Net loans and leases to total assets | 42.2417% | 7,572 |
| Net loans and leases to deposits | 48.5521% | 7,688 |
| Net loans and leases to core deposits | 66.9536% | 7,331 |
| Total domestic deposits to total assets | 87.0029% | 1,930 |
| Equity capital to assets | 7.8971% | 6,978 |
| Core capital (leverage) ratio | 7.8126% | 6,782 |
| Tier 1 risk-based capital ratio | 21.0480% | 1,454 |
| Total risk-based capital ratio | 21.9133% | 1,483 |
| Memoranda: | ||
| Average total assets | $48,273,200 | 6,849 |
| Average earning assets | $45,706,800 | 6,783 |
| Average equity | $4,211,200 | 7,427 |
| Average total loans | $20,159,600 | 7,326 |