Home > Cornerstone Bank > Performance and Condition Ratios
Cornerstone 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 | 4.6915% | 2,702 |
| Cost of funding earning assets | 1.7296% | 1,388 |
| Net interest margin | 2.9619% | 3,372 |
| Noninterest income to average assets | 0.3100% | 3,052 |
| Noninterest expense to average assets | 2.7245% | 1,679 |
| Loan and lease loss provision to assets | -0.0500% | 4,436 |
| Net operating income to assets | 0.3228% | 3,994 |
| Return on assets (ROA) | 0.3228% | 3,994 |
| Pretax return on assets | 0.3619% | 4,018 |
| Return on Equity (ROE) | 2.7400% | 4,060 |
| Retained earnings to average equity (ytd only) | 2.7418% | 3,364 |
| Net charge-offs to loans | 0.1325% | 745 |
| Credit loss provision to net charge-offs | -70.2703% | 4,467 |
| Earnings coverage of net charge-offs (x) | 4.0541% | 2,612 |
| Efficiency ratio | 89.8305% | 415 |
| Assets per employee ($millions) | 7.2379% | 1,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7694% | 4,026 |
| Loan loss allowance to noncurrent loans | 255.6818% | 2,206 |
| Noncurrent assets plus other real estate owned to assets | 0.5467% | 1,020 |
| Noncurrent loans to loans | 0.3009% | 2,104 |
| Net loans and leases to total assets | 57.2800% | 3,101 |
| Net loans and leases to deposits | 73.7627% | 2,631 |
| Net loans and leases to core deposits | 84.6751% | 2,408 |
| Total domestic deposits to total assets | 77.6500% | 3,771 |
| Equity capital to assets | 11.7122% | 1,222 |
| Core capital (leverage) ratio | 13.0531% | 1,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2455% | 365 |
| Memoranda: | ||
| Average total assets | $48,632,600 | 4,326 |
| Average earning assets | $44,634,200 | 4,301 |
| Average equity | $5,726,200 | 4,190 |
| Average total loans | $27,921,400 | 4,169 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6289% | 2,610 |
| Cost of funding earning assets | 1.5741% | 1,421 |
| Net interest margin | 3.0548% | 3,226 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 2.6819% | 1,720 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 0.2826% | 4,133 |
| Return on assets (ROA) | 0.2826% | 4,137 |
| Pretax return on assets | 0.3103% | 4,161 |
| Return on Equity (ROE) | 2.4000% | 4,157 |
| Retained earnings to average equity (ytd only) | 2.3967% | 3,651 |
| Net charge-offs to loans | 0.1885% | 465 |
| Credit loss provision to net charge-offs | 107.6923% | 1,567 |
| Earnings coverage of net charge-offs (x) | 3.9487% | 2,422 |
| Efficiency ratio | 86.2745% | 502 |
| Assets per employee ($millions) | 6.9144% | 2,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9994% | 3,375 |
| Loan loss allowance to noncurrent loans | 1,787.5000% | 567 |
| Noncurrent assets plus other real estate owned to assets | 0.0331% | 3,467 |
| Noncurrent loans to loans | 0.0559% | 3,355 |
| Net loans and leases to total assets | 58.5300% | 2,985 |
| Net loans and leases to deposits | 70.8682% | 2,784 |
| Net loans and leases to core deposits | 84.6712% | 2,286 |
| Total domestic deposits to total assets | 82.6000% | 3,089 |
| Equity capital to assets | 11.7518% | 1,109 |
| Core capital (leverage) ratio | 13.3941% | 976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.4598% | 336 |
| Memoranda: | ||
| Average total assets | $48,124,500 | 4,346 |
| Average earning assets | $44,213,750 | 4,322 |
| Average equity | $5,674,250 | 4,205 |
| Average total loans | $27,590,750 | 4,191 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5471% | 2,534 |
| Cost of funding earning assets | 1.3755% | 1,515 |
| Net interest margin | 3.1717% | 3,054 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 2.6690% | 1,723 |
| Loan and lease loss provision to assets | 0.2100% | 500 |
| Net operating income to assets | 0.2998% | 4,157 |
| Return on assets (ROA) | 0.2998% | 4,186 |
| Pretax return on assets | 0.3331% | 4,198 |
| Return on Equity (ROE) | 2.5400% | 4,213 |
| Retained earnings to average equity (ytd only) | 2.5398% | 3,592 |
| Net charge-offs to loans | 0.2275% | 359 |
| Credit loss provision to net charge-offs | 161.2903% | 1,153 |
| Earnings coverage of net charge-offs (x) | 4.1935% | 2,230 |
| Efficiency ratio | 83.1388% | 649 |
| Assets per employee ($millions) | 6.6843% | 2,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1345% | 2,778 |
| Loan loss allowance to noncurrent loans | 190.7407% | 2,648 |
| Noncurrent assets plus other real estate owned to assets | 0.3462% | 1,526 |
| Noncurrent loans to loans | 0.5948% | 1,258 |
| Net loans and leases to total assets | 57.5500% | 3,000 |
| Net loans and leases to deposits | 66.8836% | 3,001 |
| Net loans and leases to core deposits | 79.6498% | 2,495 |
| Total domestic deposits to total assets | 86.0500% | 2,212 |
| Equity capital to assets | 12.1757% | 999 |
| Core capital (leverage) ratio | 13.2379% | 958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.5532% | 331 |
| Memoranda: | ||
| Average total assets | $48,032,333 | 4,367 |
| Average earning assets | $44,203,667 | 4,343 |
| Average equity | $5,669,667 | 4,233 |
| Average total loans | $27,248,667 | 4,206 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2503% | 2,929 |
| Cost of funding earning assets | 1.0425% | 1,904 |
| Net interest margin | 3.2078% | 3,096 |
| Noninterest income to average assets | 0.2800% | 3,222 |
| Noninterest expense to average assets | 2.7131% | 1,640 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4522% | 3,999 |
| Return on assets (ROA) | 0.4522% | 3,950 |
| Pretax return on assets | 0.5262% | 3,958 |
| Return on Equity (ROE) | 3.8900% | 4,058 |
| Retained earnings to average equity (ytd only) | 3.8897% | 3,303 |
| Net charge-offs to loans | -0.0440% | 4,330 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 83.7563% | 606 |
| Assets per employee ($millions) | 7.1407% | 1,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0661% | 3,227 |
| Loan loss allowance to noncurrent loans | 41.7379% | 3,753 |
| Noncurrent assets plus other real estate owned to assets | 1.4044% | 242 |
| Noncurrent loans to loans | 2.5543% | 186 |
| Net loans and leases to total assets | 54.4000% | 3,168 |
| Net loans and leases to deposits | 64.1531% | 3,072 |
| Net loans and leases to core deposits | 75.0794% | 2,595 |
| Total domestic deposits to total assets | 84.7900% | 2,909 |
| Equity capital to assets | 11.4634% | 1,168 |
| Core capital (leverage) ratio | 13.3231% | 877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.3916% | 334 |
| Memoranda: | ||
| Average total assets | $48,653,500 | 4,426 |
| Average earning assets | $44,891,000 | 4,399 |
| Average equity | $5,656,000 | 4,285 |
| Average total loans | $27,254,500 | 4,261 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0078% | 1,695 |
| Cost of funding earning assets | 0.3785% | 2,273 |
| Net interest margin | 3.6293% | 1,558 |
| Noninterest income to average assets | 0.3700% | 2,879 |
| Noninterest expense to average assets | 2.6442% | 1,695 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 0.7471% | 3,489 |
| Return on assets (ROA) | 0.7471% | 3,430 |
| Pretax return on assets | 0.9117% | 3,323 |
| Return on Equity (ROE) | 6.1800% | 3,795 |
| Retained earnings to average equity (ytd only) | 6.1832% | 2,575 |
| Net charge-offs to loans | 0.0725% | 920 |
| Credit loss provision to net charge-offs | 336.8421% | 853 |
| Earnings coverage of net charge-offs (x) | 25.5263% | 1,767 |
| Efficiency ratio | 71.5709% | 1,489 |
| Assets per employee ($millions) | 6.7603% | 2,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0730% | 3,026 |
| Loan loss allowance to noncurrent loans | 32.6577% | 3,804 |
| Noncurrent assets plus other real estate owned to assets | 1.8765% | 135 |
| Noncurrent loans to loans | 3.2857% | 122 |
| Net loans and leases to total assets | 56.5000% | 2,973 |
| Net loans and leases to deposits | 67.0243% | 2,812 |
| Net loans and leases to core deposits | 78.0978% | 2,267 |
| Total domestic deposits to total assets | 84.2900% | 3,149 |
| Equity capital to assets | 11.7958% | 993 |
| Core capital (leverage) ratio | 13.5107% | 813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.3049% | 322 |
| Memoranda: | ||
| Average total assets | $46,176,400 | 4,473 |
| Average earning assets | $42,267,600 | 4,460 |
| Average equity | $5,579,600 | 4,373 |
| Average total loans | $26,192,000 | 4,301 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9819% | 1,302 |
| Cost of funding earning assets | 0.2828% | 2,355 |
| Net interest margin | 3.6991% | 1,138 |
| Noninterest income to average assets | 0.3800% | 2,865 |
| Noninterest expense to average assets | 2.6265% | 1,650 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9326% | 2,750 |
| Return on assets (ROA) | 0.9326% | 2,715 |
| Pretax return on assets | 1.1389% | 2,599 |
| Return on Equity (ROE) | 7.6700% | 3,414 |
| Retained earnings to average equity (ytd only) | 7.6714% | 2,124 |
| Net charge-offs to loans | -0.0154% | 3,883 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 69.7531% | 1,790 |
| Assets per employee ($millions) | 6.5650% | 2,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9355% | 3,758 |
| Loan loss allowance to noncurrent loans | 51.9916% | 3,760 |
| Noncurrent assets plus other real estate owned to assets | 1.0380% | 424 |
| Noncurrent loans to loans | 1.7993% | 355 |
| Net loans and leases to total assets | 57.1500% | 2,782 |
| Net loans and leases to deposits | 66.0372% | 2,718 |
| Net loans and leases to core deposits | 75.2155% | 2,258 |
| Total domestic deposits to total assets | 86.5400% | 2,905 |
| Equity capital to assets | 11.8768% | 908 |
| Core capital (leverage) ratio | 13.3584% | 813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.7838% | 293 |
| Memoranda: | ||
| Average total assets | $45,890,000 | 4,513 |
| Average earning assets | $41,955,000 | 4,496 |
| Average equity | $5,579,000 | 4,410 |
| Average total loans | $25,983,500 | 4,338 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9071% | 1,103 |
| Cost of funding earning assets | 0.2723% | 2,000 |
| Net interest margin | 3.6348% | 1,013 |
| Noninterest income to average assets | 0.3750% | 2,901 |
| Noninterest expense to average assets | 2.5944% | 1,650 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8982% | 2,589 |
| Return on assets (ROA) | 0.8982% | 2,561 |
| Pretax return on assets | 1.0988% | 2,414 |
| Return on Equity (ROE) | 7.3318% | 3,206 |
| Retained earnings to average equity (ytd only) | 7.3318% | 1,870 |
| Net charge-offs to loans | -0.0232% | 3,944 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2479% | 1,924 |
| Assets per employee ($millions) | 6.6050% | 2,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9540% | 3,779 |
| Loan loss allowance to noncurrent loans | 19.2696% | 3,981 |
| Noncurrent assets plus other real estate owned to assets | 2.7836% | 71 |
| Noncurrent loans to loans | 4.9510% | 64 |
| Net loans and leases to total assets | 55.6872% | 2,789 |
| Net loans and leases to deposits | 64.5579% | 2,673 |
| Net loans and leases to core deposits | 74.0985% | 2,162 |
| Total domestic deposits to total assets | 86.2593% | 3,179 |
| Equity capital to assets | 11.9931% | 877 |
| Core capital (leverage) ratio | 13.3015% | 747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.1797% | 287 |
| Memoranda: | ||
| Average total assets | $45,868,333 | 4,563 |
| Average earning assets | $41,872,667 | 4,553 |
| Average equity | $5,619,333 | 4,453 |
| Average total loans | $25,807,667 | 4,397 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5606% | 1,621 |
| Cost of funding earning assets | 0.2879% | 1,756 |
| Net interest margin | 3.2727% | 1,638 |
| Noninterest income to average assets | 0.3415% | 3,049 |
| Noninterest expense to average assets | 2.6442% | 1,491 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5691% | 3,497 |
| Return on assets (ROA) | 0.5691% | 3,473 |
| Pretax return on assets | 0.6829% | 3,435 |
| Return on Equity (ROE) | 4.5965% | 3,733 |
| Retained earnings to average equity (ytd only) | 4.5965% | 2,741 |
| Net charge-offs to loans | -0.0311% | 4,100 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4737% | 1,190 |
| Assets per employee ($millions) | 6.5877% | 2,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9464% | 3,913 |
| Loan loss allowance to noncurrent loans | 44.5045% | 3,884 |
| Noncurrent assets plus other real estate owned to assets | 1.2035% | 366 |
| Noncurrent loans to loans | 2.1264% | 328 |
| Net loans and leases to total assets | 56.0632% | 2,518 |
| Net loans and leases to deposits | 64.8937% | 2,447 |
| Net loans and leases to core deposits | 74.4871% | 1,899 |
| Total domestic deposits to total assets | 86.3924% | 3,137 |
| Equity capital to assets | 11.9877% | 960 |
| Core capital (leverage) ratio | 13.1684% | 745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.9899% | 297 |
| Memoranda: | ||
| Average total assets | $45,685,000 | 4,585 |
| Average earning assets | $41,678,000 | 4,576 |
| Average equity | $5,656,500 | 4,503 |
| Average total loans | $25,714,000 | 4,414 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9575% | 1,464 |
| Cost of funding earning assets | 0.4963% | 955 |
| Net interest margin | 3.4612% | 1,848 |
| Noninterest income to average assets | 0.3356% | 3,409 |
| Noninterest expense to average assets | 2.7997% | 1,365 |
| Loan and lease loss provision to assets | 0.1195% | 1,041 |
| Net operating income to assets | 0.4597% | 4,165 |
| Return on assets (ROA) | 0.4597% | 4,213 |
| Pretax return on assets | 0.5425% | 4,191 |
| Return on Equity (ROE) | 3.4869% | 4,295 |
| Retained earnings to average equity (ytd only) | 3.4869% | 3,418 |
| Net charge-offs to loans | 0.0040% | 2,459 |
| Credit loss provision to net charge-offs | 5,200.0000% | 140 |
| Earnings coverage of net charge-offs (x) | 288.0000% | 423 |
| Efficiency ratio | 80.8765% | 757 |
| Assets per employee ($millions) | 5.6570% | 3,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9673% | 3,882 |
| Loan loss allowance to noncurrent loans | 53.9648% | 3,862 |
| Noncurrent assets plus other real estate owned to assets | 1.0032% | 559 |
| Noncurrent loans to loans | 1.7925% | 473 |
| Net loans and leases to total assets | 55.4247% | 2,689 |
| Net loans and leases to deposits | 64.9079% | 2,605 |
| Net loans and leases to core deposits | 74.8612% | 2,011 |
| Total domestic deposits to total assets | 85.3898% | 3,142 |
| Equity capital to assets | 12.7828% | 967 |
| Core capital (leverage) ratio | 13.1554% | 762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.3841% | 334 |
| Memoranda: | ||
| Average total assets | $43,504,600 | 4,623 |
| Average earning assets | $39,292,600 | 4,626 |
| Average equity | $5,735,800 | 4,556 |
| Average total loans | $24,746,600 | 4,480 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0307% | 1,468 |
| Cost of funding earning assets | 0.5420% | 866 |
| Net interest margin | 3.4887% | 1,899 |
| Noninterest income to average assets | 0.3282% | 3,467 |
| Noninterest expense to average assets | 2.8451% | 1,229 |
| Loan and lease loss provision to assets | 0.1324% | 869 |
| Net operating income to assets | 0.4210% | 4,342 |
| Return on assets (ROA) | 0.4210% | 4,372 |
| Pretax return on assets | 0.4984% | 4,375 |
| Return on Equity (ROE) | 3.1681% | 4,440 |
| Retained earnings to average equity (ytd only) | 3.1681% | 3,844 |
| Net charge-offs to loans | 0.0108% | 1,923 |
| Credit loss provision to net charge-offs | 2,150.0000% | 311 |
| Earnings coverage of net charge-offs (x) | 102.0000% | 863 |
| Efficiency ratio | 81.8344% | 640 |
| Assets per employee ($millions) | 6.2146% | 2,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9342% | 4,056 |
| Loan loss allowance to noncurrent loans | 40.6196% | 4,040 |
| Noncurrent assets plus other real estate owned to assets | 1.3356% | 420 |
| Noncurrent loans to loans | 2.2999% | 354 |
| Net loans and leases to total assets | 57.5284% | 2,555 |
| Net loans and leases to deposits | 67.7459% | 2,460 |
| Net loans and leases to core deposits | 78.7031% | 1,839 |
| Total domestic deposits to total assets | 84.9179% | 3,145 |
| Equity capital to assets | 13.2615% | 916 |
| Core capital (leverage) ratio | 13.2975% | 775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.9207% | 346 |
| Memoranda: | ||
| Average total assets | $43,066,750 | 4,698 |
| Average earning assets | $38,867,500 | 4,696 |
| Average equity | $5,723,500 | 4,624 |
| Average total loans | $24,601,250 | 4,543 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2145% | 1,162 |
| Cost of funding earning assets | 0.5865% | 799 |
| Net interest margin | 3.6280% | 1,525 |
| Noninterest income to average assets | 0.3122% | 3,561 |
| Noninterest expense to average assets | 2.9402% | 1,085 |
| Loan and lease loss provision to assets | 0.0233% | 2,505 |
| Net operating income to assets | 0.5172% | 4,181 |
| Return on assets (ROA) | 0.5172% | 4,225 |
| Pretax return on assets | 0.6058% | 4,225 |
| Return on Equity (ROE) | 3.8891% | 4,348 |
| Retained earnings to average equity (ytd only) | 3.8891% | 3,554 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3760% | 643 |
| Assets per employee ($millions) | 6.2450% | 2,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8023% | 4,364 |
| Loan loss allowance to noncurrent loans | 33.0565% | 4,130 |
| Noncurrent assets plus other real estate owned to assets | 1.3771% | 449 |
| Noncurrent loans to loans | 2.4271% | 344 |
| Net loans and leases to total assets | 56.2827% | 2,865 |
| Net loans and leases to deposits | 66.3968% | 2,790 |
| Net loans and leases to core deposits | 77.0826% | 2,126 |
| Total domestic deposits to total assets | 84.7672% | 3,190 |
| Equity capital to assets | 13.1465% | 903 |
| Core capital (leverage) ratio | 13.2097% | 757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.3141% | 326 |
| Memoranda: | ||
| Average total assets | $42,921,667 | 4,731 |
| Average earning assets | $38,533,333 | 4,729 |
| Average equity | $5,708,333 | 4,653 |
| Average total loans | $24,381,000 | 4,582 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3403% | 982 |
| Cost of funding earning assets | 0.6230% | 787 |
| Net interest margin | 3.7173% | 1,297 |
| Noninterest income to average assets | 0.3010% | 3,608 |
| Noninterest expense to average assets | 2.9159% | 1,122 |
| Loan and lease loss provision to assets | 0.0470% | 2,136 |
| Net operating income to assets | 0.6020% | 3,938 |
| Return on assets (ROA) | 0.6020% | 4,000 |
| Pretax return on assets | 0.7055% | 4,002 |
| Return on Equity (ROE) | 4.4999% | 4,190 |
| Retained earnings to average equity (ytd only) | 4.4999% | 3,366 |
| Net charge-offs to loans | -0.0331% | 4,216 |
| Credit loss provision to net charge-offs | -250.0000% | 3,012 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4872% | 851 |
| Assets per employee ($millions) | 6.2390% | 2,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8233% | 4,356 |
| Loan loss allowance to noncurrent loans | 37.4074% | 4,136 |
| Noncurrent assets plus other real estate owned to assets | 1.3281% | 522 |
| Noncurrent loans to loans | 2.2008% | 456 |
| Net loans and leases to total assets | 55.7186% | 3,075 |
| Net loans and leases to deposits | 65.6080% | 2,961 |
| Net loans and leases to core deposits | 76.1365% | 2,339 |
| Total domestic deposits to total assets | 84.9266% | 3,129 |
| Equity capital to assets | 13.0676% | 894 |
| Core capital (leverage) ratio | 13.4495% | 749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7206% | 466 |
| Memoranda: | ||
| Average total assets | $42,525,000 | 4,756 |
| Average earning assets | $38,523,000 | 4,750 |
| Average equity | $5,689,000 | 4,673 |
| Average total loans | $24,170,000 | 4,611 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1912% | 2,164 |
| Cost of funding earning assets | 1.1256% | 362 |
| Net interest margin | 3.0656% | 3,710 |
| Noninterest income to average assets | 0.3504% | 3,365 |
| Noninterest expense to average assets | 2.8886% | 1,713 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.2093% | 4,563 |
| Return on assets (ROA) | 0.2093% | 4,621 |
| Pretax return on assets | 0.2190% | 4,637 |
| Return on Equity (ROE) | 1.5324% | 4,619 |
| Retained earnings to average equity (ytd only) | 1.5324% | 4,022 |
| Net charge-offs to loans | 0.0202% | 2,663 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 18.0000% | 2,043 |
| Efficiency ratio | 92.9522% | 292 |
| Assets per employee ($millions) | 5.1721% | 3,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8150% | 4,394 |
| Loan loss allowance to noncurrent loans | 38.9558% | 4,173 |
| Noncurrent assets plus other real estate owned to assets | 1.3002% | 622 |
| Noncurrent loans to loans | 2.0921% | 531 |
| Net loans and leases to total assets | 57.0607% | 3,196 |
| Net loans and leases to deposits | 67.6117% | 3,119 |
| Net loans and leases to core deposits | 80.3745% | 2,331 |
| Total domestic deposits to total assets | 84.3947% | 2,986 |
| Equity capital to assets | 13.7057% | 873 |
| Core capital (leverage) ratio | 13.8347% | 712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.7964% | 291 |
| Memoranda: | ||
| Average total assets | $41,092,000 | 4,757 |
| Average earning assets | $36,958,000 | 4,754 |
| Average equity | $5,612,000 | 4,687 |
| Average total loans | $24,786,200 | 4,620 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2515% | 2,245 |
| Cost of funding earning assets | 1.2385% | 318 |
| Net interest margin | 3.0130% | 3,943 |
| Noninterest income to average assets | 0.3510% | 3,354 |
| Noninterest expense to average assets | 2.8213% | 1,912 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.2210% | 4,560 |
| Return on assets (ROA) | 0.2210% | 4,602 |
| Pretax return on assets | 0.2340% | 4,619 |
| Return on Equity (ROE) | 1.6198% | 4,606 |
| Retained earnings to average equity (ytd only) | 1.6198% | 4,049 |
| Net charge-offs to loans | 0.0266% | 2,306 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 14.4000% | 2,158 |
| Efficiency ratio | 92.3404% | 297 |
| Assets per employee ($millions) | 5.7891% | 2,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7815% | 4,405 |
| Loan loss allowance to noncurrent loans | 34.2806% | 4,252 |
| Noncurrent assets plus other real estate owned to assets | 1.3893% | 650 |
| Noncurrent loans to loans | 2.2797% | 496 |
| Net loans and leases to total assets | 60.4654% | 3,174 |
| Net loans and leases to deposits | 71.9682% | 3,134 |
| Net loans and leases to core deposits | 86.7209% | 2,254 |
| Total domestic deposits to total assets | 84.0169% | 2,816 |
| Equity capital to assets | 13.9547% | 870 |
| Core capital (leverage) ratio | 13.6565% | 795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.3021% | 357 |
| Memoranda: | ||
| Average total assets | $41,020,750 | 4,782 |
| Average earning assets | $36,817,750 | 4,783 |
| Average equity | $5,597,250 | 4,708 |
| Average total loans | $25,031,750 | 4,640 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3006% | 2,470 |
| Cost of funding earning assets | 1.3341% | 312 |
| Net interest margin | 2.9665% | 4,198 |
| Noninterest income to average assets | 0.3545% | 3,352 |
| Noninterest expense to average assets | 2.7970% | 2,101 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.2137% | 4,559 |
| Return on assets (ROA) | 0.2137% | 4,597 |
| Pretax return on assets | 0.2137% | 4,622 |
| Return on Equity (ROE) | 1.5776% | 4,606 |
| Retained earnings to average equity (ytd only) | 1.5776% | 3,913 |
| Net charge-offs to loans | 0.0080% | 2,661 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 44.0000% | 1,180 |
| Efficiency ratio | 92.9032% | 320 |
| Assets per employee ($millions) | 5.8981% | 2,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7835% | 4,378 |
| Loan loss allowance to noncurrent loans | 33.2770% | 4,328 |
| Noncurrent assets plus other real estate owned to assets | 1.6058% | 552 |
| Noncurrent loans to loans | 2.3545% | 519 |
| Net loans and leases to total assets | 60.4210% | 3,277 |
| Net loans and leases to deposits | 71.5441% | 3,300 |
| Net loans and leases to core deposits | 86.4919% | 2,393 |
| Total domestic deposits to total assets | 84.4527% | 2,574 |
| Equity capital to assets | 13.6217% | 953 |
| Core capital (leverage) ratio | 13.6671% | 831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.0430% | 333 |
| Memoranda: | ||
| Average total assets | $41,186,333 | 4,801 |
| Average earning assets | $36,878,333 | 4,803 |
| Average equity | $5,578,000 | 4,734 |
| Average total loans | $25,143,667 | 4,661 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2114% | 3,179 |
| Cost of funding earning assets | 1.4219% | 360 |
| Net interest margin | 2.7895% | 4,579 |
| Noninterest income to average assets | 0.4181% | 2,984 |
| Noninterest expense to average assets | 2.8783% | 2,184 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.0681% | 4,694 |
| Return on assets (ROA) | 0.0681% | 4,688 |
| Pretax return on assets | 0.0389% | 4,712 |
| Return on Equity (ROE) | 0.5041% | 4,693 |
| Retained earnings to average equity (ytd only) | 0.5041% | 3,877 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.6667% | 263 |
| Assets per employee ($millions) | 5.8469% | 1,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7864% | 4,446 |
| Loan loss allowance to noncurrent loans | 37.5712% | 4,289 |
| Noncurrent assets plus other real estate owned to assets | 1.4806% | 727 |
| Noncurrent loans to loans | 2.0932% | 657 |
| Net loans and leases to total assets | 61.0316% | 3,394 |
| Net loans and leases to deposits | 72.5606% | 3,396 |
| Net loans and leases to core deposits | 87.8614% | 2,534 |
| Total domestic deposits to total assets | 84.1111% | 2,752 |
| Equity capital to assets | 13.5775% | 1,189 |
| Core capital (leverage) ratio | 13.5714% | 1,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.0208% | 359 |
| Memoranda: | ||
| Average total assets | $41,136,000 | 4,831 |
| Average earning assets | $36,852,500 | 4,837 |
| Average equity | $5,555,000 | 4,776 |
| Average total loans | $25,144,000 | 4,695 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3097% | 3,516 |
| Cost of funding earning assets | 1.3246% | 717 |
| Net interest margin | 2.9851% | 4,535 |
| Noninterest income to average assets | 0.4056% | 3,262 |
| Noninterest expense to average assets | 3.3490% | 1,207 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | -0.1583% | 5,014 |
| Return on assets (ROA) | -0.1583% | 5,023 |
| Pretax return on assets | -0.2399% | 5,026 |
| Return on Equity (ROE) | -1.1465% | 5,019 |
| Retained earnings to average equity (ytd only) | -1.1465% | 4,817 |
| Net charge-offs to loans | 0.0405% | 2,580 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | -9.7000% | 3,692 |
| Efficiency ratio | 107.7168% | 111 |
| Assets per employee ($millions) | 5.9063% | 1,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7885% | 4,340 |
| Loan loss allowance to noncurrent loans | 41.5094% | 4,245 |
| Noncurrent assets plus other real estate owned to assets | 1.3448% | 799 |
| Noncurrent loans to loans | 1.8996% | 691 |
| Net loans and leases to total assets | 60.2578% | 3,559 |
| Net loans and leases to deposits | 71.3288% | 3,561 |
| Net loans and leases to core deposits | 87.5338% | 2,649 |
| Total domestic deposits to total assets | 84.4790% | 2,693 |
| Equity capital to assets | 13.4312% | 1,312 |
| Core capital (leverage) ratio | 13.5779% | 1,032 |
| Tier 1 risk-based capital ratio | 26.1886% | 662 |
| Total risk-based capital ratio | 27.1252% | 670 |
| Memoranda: | ||
| Average total assets | $40,429,600 | 4,887 |
| Average earning assets | $36,615,400 | 4,884 |
| Average equity | $5,582,000 | 4,814 |
| Average total loans | $24,715,200 | 4,762 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2542% | 3,799 |
| Cost of funding earning assets | 1.2686% | 870 |
| Net interest margin | 2.9856% | 4,640 |
| Noninterest income to average assets | 0.4345% | 3,114 |
| Noninterest expense to average assets | 3.2436% | 1,385 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | -0.0398% | 5,074 |
| Return on assets (ROA) | -0.0398% | 5,080 |
| Pretax return on assets | -0.0929% | 5,085 |
| Return on Equity (ROE) | -0.2863% | 5,080 |
| Retained earnings to average equity (ytd only) | -0.2863% | 4,791 |
| Net charge-offs to loans | 0.0433% | 2,230 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | -3.4986% | 3,412 |
| Efficiency ratio | 102.9474% | 132 |
| Assets per employee ($millions) | 6.8757% | 1,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8072% | 4,390 |
| Loan loss allowance to noncurrent loans | 285.7143% | 1,585 |
| Noncurrent assets plus other real estate owned to assets | 0.3878% | 2,961 |
| Noncurrent loans to loans | 0.2825% | 3,527 |
| Net loans and leases to total assets | 59.5773% | 3,716 |
| Net loans and leases to deposits | 70.5879% | 3,725 |
| Net loans and leases to core deposits | 85.0950% | 2,980 |
| Total domestic deposits to total assets | 84.4015% | 2,673 |
| Equity capital to assets | 13.5817% | 1,325 |
| Core capital (leverage) ratio | 13.6405% | 1,097 |
| Tier 1 risk-based capital ratio | 26.7684% | 659 |
| Total risk-based capital ratio | 27.7282% | 661 |
| Memoranda: | ||
| Average total assets | $40,201,000 | 4,962 |
| Average earning assets | $36,575,000 | 4,961 |
| Average equity | $5,589,250 | 4,877 |
| Average total loans | $24,616,250 | 4,829 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1823% | 3,968 |
| Cost of funding earning assets | 1.1785% | 1,053 |
| Net interest margin | 3.0038% | 4,675 |
| Noninterest income to average assets | 0.3714% | 3,457 |
| Noninterest expense to average assets | 3.2773% | 1,324 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -0.0903% | 5,128 |
| Return on assets (ROA) | -0.0903% | 5,133 |
| Pretax return on assets | -0.1556% | 5,137 |
| Return on Equity (ROE) | -0.6446% | 5,131 |
| Retained earnings to average equity (ytd only) | -0.6446% | 4,780 |
| Net charge-offs to loans | 0.0651% | 1,722 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | -3.8750% | 3,136 |
| Efficiency ratio | 104.9839% | 122 |
| Assets per employee ($millions) | 5.8111% | 1,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8117% | 4,403 |
| Loan loss allowance to noncurrent loans | 62.8125% | 3,961 |
| Noncurrent assets plus other real estate owned to assets | 0.8309% | 1,696 |
| Noncurrent loans to loans | 1.2923% | 1,221 |
| Net loans and leases to total assets | 60.3791% | 3,701 |
| Net loans and leases to deposits | 71.3050% | 3,739 |
| Net loans and leases to core deposits | 86.0732% | 2,955 |
| Total domestic deposits to total assets | 84.6772% | 2,610 |
| Equity capital to assets | 13.7519% | 1,220 |
| Core capital (leverage) ratio | 13.9053% | 996 |
| Tier 1 risk-based capital ratio | 27.6052% | 583 |
| Total risk-based capital ratio | 28.6012% | 587 |
| Memoranda: | ||
| Average total assets | $39,850,000 | 5,009 |
| Average earning assets | $36,486,670 | 5,001 |
| Average equity | $5,584,670 | 4,904 |
| Average total loans | $24,562,330 | 4,868 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9454% | 4,482 |
| Cost of funding earning assets | 1.0639% | 1,318 |
| Net interest margin | 2.8815% | 4,900 |
| Noninterest income to average assets | 0.4970% | 2,568 |
| Noninterest expense to average assets | 3.2153% | 1,465 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -0.0304% | 5,157 |
| Return on assets (ROA) | -0.0304% | 5,160 |
| Pretax return on assets | -0.0811% | 5,168 |
| Return on Equity (ROE) | -0.2151% | 5,161 |
| Retained earnings to average equity (ytd only) | -0.2151% | 4,563 |
| Net charge-offs to loans | 0.0654% | 1,391 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | -2.0000% | 2,700 |
| Efficiency ratio | 102.5890% | 148 |
| Assets per employee ($millions) | 5.7421% | 1,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8304% | 4,417 |
| Loan loss allowance to noncurrent loans | 70.3448% | 3,873 |
| Noncurrent assets plus other real estate owned to assets | 0.8459% | 1,679 |
| Noncurrent loans to loans | 1.1804% | 1,409 |
| Net loans and leases to total assets | 60.6120% | 3,647 |
| Net loans and leases to deposits | 73.7513% | 3,473 |
| Net loans and leases to core deposits | 90.4780% | 2,446 |
| Total domestic deposits to total assets | 82.1844% | 3,678 |
| Equity capital to assets | 13.9072% | 1,074 |
| Core capital (leverage) ratio | 14.3219% | 862 |
| Tier 1 risk-based capital ratio | 27.7952% | 578 |
| Total risk-based capital ratio | 28.8093% | 579 |
| Memoranda: | ||
| Average total assets | $39,436,000 | 5,070 |
| Average earning assets | $36,092,500 | 5,057 |
| Average equity | $5,580,000 | 4,947 |
| Average total loans | $24,462,500 | 4,926 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1502% | 3,583 |
| Cost of funding earning assets | 0.7847% | 1,609 |
| Net interest margin | 3.3655% | 4,089 |
| Noninterest income to average assets | 0.4699% | 2,995 |
| Noninterest expense to average assets | 3.1439% | 1,689 |
| Loan and lease loss provision to assets | 0.4829% | 248 |
| Net operating income to assets | -0.0234% | 5,243 |
| Return on assets (ROA) | -0.0234% | 5,238 |
| Pretax return on assets | -0.0727% | 5,245 |
| Return on Equity (ROE) | -0.1627% | 5,237 |
| Retained earnings to average equity (ytd only) | -0.1627% | 5,006 |
| Net charge-offs to loans | 0.5062% | 352 |
| Credit loss provision to net charge-offs | 156.3025% | 1,776 |
| Earnings coverage of net charge-offs (x) | 1.3277% | 3,635 |
| Efficiency ratio | 88.4587% | 409 |
| Assets per employee ($millions) | 5.5253% | 1,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8539% | 4,347 |
| Loan loss allowance to noncurrent loans | 26.3959% | 4,685 |
| Noncurrent assets plus other real estate owned to assets | 2.2313% | 383 |
| Noncurrent loans to loans | 3.2351% | 294 |
| Net loans and leases to total assets | 62.4402% | 3,525 |
| Net loans and leases to deposits | 76.7617% | 3,293 |
| Net loans and leases to core deposits | 92.9561% | 2,321 |
| Total domestic deposits to total assets | 81.3429% | 3,817 |
| Equity capital to assets | 14.4013% | 866 |
| Core capital (leverage) ratio | 14.7954% | 732 |
| Tier 1 risk-based capital ratio | 28.4625% | 539 |
| Total risk-based capital ratio | 29.5200% | 544 |
| Memoranda: | ||
| Average total assets | $38,519,000 | 5,123 |
| Average earning assets | $35,299,400 | 5,106 |
| Average equity | $5,532,200 | 4,966 |
| Average total loans | $23,510,400 | 4,985 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1053% | 3,616 |
| Cost of funding earning assets | 0.7327% | 1,662 |
| Net interest margin | 3.3727% | 4,091 |
| Noninterest income to average assets | 0.4782% | 2,997 |
| Noninterest expense to average assets | 3.1497% | 1,642 |
| Loan and lease loss provision to assets | 0.6445% | 158 |
| Net operating income to assets | -0.1351% | 5,338 |
| Return on assets (ROA) | -0.1351% | 5,336 |
| Pretax return on assets | -0.2218% | 5,343 |
| Return on Equity (ROE) | -0.9416% | 5,333 |
| Retained earnings to average equity (ytd only) | -0.9416% | 5,133 |
| Net charge-offs to loans | 0.5666% | 263 |
| Credit loss provision to net charge-offs | 187.8788% | 1,457 |
| Earnings coverage of net charge-offs (x) | 1.2323% | 3,366 |
| Efficiency ratio | 88.1668% | 398 |
| Assets per employee ($millions) | 5.3757% | 2,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9529% | 4,037 |
| Loan loss allowance to noncurrent loans | 39.7213% | 4,578 |
| Noncurrent assets plus other real estate owned to assets | 1.6875% | 730 |
| Noncurrent loans to loans | 2.3989% | 560 |
| Net loans and leases to total assets | 62.9817% | 3,546 |
| Net loans and leases to deposits | 75.2285% | 3,487 |
| Net loans and leases to core deposits | 91.0383% | 2,556 |
| Total domestic deposits to total assets | 83.7204% | 3,041 |
| Equity capital to assets | 14.6638% | 795 |
| Core capital (leverage) ratio | 14.6155% | 795 |
| Tier 1 risk-based capital ratio | 29.0360% | 519 |
| Total risk-based capital ratio | 30.2241% | 514 |
| Memoranda: | ||
| Average total assets | $38,479,500 | 5,187 |
| Average earning assets | $35,302,750 | 5,168 |
| Average equity | $5,522,750 | 5,027 |
| Average total loans | $23,298,500 | 5,053 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9910% | 3,810 |
| Cost of funding earning assets | 0.6745% | 1,774 |
| Net interest margin | 3.3165% | 4,202 |
| Noninterest income to average assets | 0.4695% | 3,039 |
| Noninterest expense to average assets | 3.2248% | 1,479 |
| Loan and lease loss provision to assets | 0.9597% | 84 |
| Net operating income to assets | -0.4540% | 5,439 |
| Return on assets (ROA) | -0.4540% | 5,433 |
| Pretax return on assets | -0.6707% | 5,447 |
| Return on Equity (ROE) | -3.1859% | 5,414 |
| Retained earnings to average equity (ytd only) | -3.1859% | 5,222 |
| Net charge-offs to loans | 0.8576% | 154 |
| Credit loss provision to net charge-offs | 187.8788% | 1,357 |
| Earnings coverage of net charge-offs (x) | 0.5657% | 3,121 |
| Efficiency ratio | 91.7768% | 318 |
| Assets per employee ($millions) | 5.5326% | 1,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9530% | 4,103 |
| Loan loss allowance to noncurrent loans | 61.6216% | 4,179 |
| Noncurrent assets plus other real estate owned to assets | 1.1129% | 1,326 |
| Noncurrent loans to loans | 1.5465% | 1,066 |
| Net loans and leases to total assets | 61.1883% | 3,686 |
| Net loans and leases to deposits | 72.6256% | 3,666 |
| Net loans and leases to core deposits | 87.2272% | 2,798 |
| Total domestic deposits to total assets | 84.2517% | 2,972 |
| Equity capital to assets | 14.1448% | 895 |
| Core capital (leverage) ratio | 14.1869% | 857 |
| Tier 1 risk-based capital ratio | 28.5699% | 535 |
| Total risk-based capital ratio | 29.7504% | 531 |
| Memoranda: | ||
| Average total assets | $38,762,670 | 5,238 |
| Average earning assets | $35,580,000 | 5,226 |
| Average equity | $5,524,330 | 5,077 |
| Average total loans | $23,088,670 | 5,118 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7854% | 4,262 |
| Cost of funding earning assets | 0.6403% | 1,778 |
| Net interest margin | 3.1451% | 4,609 |
| Noninterest income to average assets | 0.4229% | 3,290 |
| Noninterest expense to average assets | 3.1975% | 1,570 |
| Loan and lease loss provision to assets | 0.9696% | 90 |
| Net operating income to assets | -0.6395% | 5,513 |
| Return on assets (ROA) | -0.6395% | 5,511 |
| Pretax return on assets | -0.8561% | 5,526 |
| Return on Equity (ROE) | -4.4705% | 5,493 |
| Retained earnings to average equity (ytd only) | -4.4705% | 5,176 |
| Net charge-offs to loans | 1.6409% | 79 |
| Credit loss provision to net charge-offs | 101.0753% | 1,531 |
| Earnings coverage of net charge-offs (x) | 0.1183% | 2,653 |
| Efficiency ratio | 96.5732% | 241 |
| Assets per employee ($millions) | 5.5409% | 1,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6226% | 5,145 |
| Loan loss allowance to noncurrent loans | 62.1145% | 4,176 |
| Noncurrent assets plus other real estate owned to assets | 0.7528% | 2,066 |
| Noncurrent loans to loans | 1.0023% | 1,825 |
| Net loans and leases to total assets | 58.0261% | 3,937 |
| Net loans and leases to deposits | 69.2279% | 3,854 |
| Net loans and leases to core deposits | 83.1800% | 3,044 |
| Total domestic deposits to total assets | 83.8189% | 3,400 |
| Equity capital to assets | 14.1984% | 840 |
| Core capital (leverage) ratio | 14.5114% | 759 |
| Tier 1 risk-based capital ratio | 29.6701% | 485 |
| Total risk-based capital ratio | 30.4252% | 503 |
| Memoranda: | ||
| Average total assets | $38,780,000 | 5,293 |
| Average earning assets | $35,610,500 | 5,281 |
| Average equity | $5,547,500 | 5,129 |
| Average total loans | $22,670,500 | 5,188 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7788% | 4,113 |
| Cost of funding earning assets | 0.5479% | 1,970 |
| Net interest margin | 3.2309% | 4,356 |
| Noninterest income to average assets | 0.4149% | 3,533 |
| Noninterest expense to average assets | 3.1005% | 1,859 |
| Loan and lease loss provision to assets | 0.0258% | 3,782 |
| Net operating income to assets | 0.2371% | 5,035 |
| Return on assets (ROA) | 0.2371% | 5,049 |
| Pretax return on assets | 0.2526% | 5,260 |
| Return on Equity (ROE) | 1.6578% | 5,120 |
| Retained earnings to average equity (ytd only) | 1.6578% | 4,306 |
| Net charge-offs to loans | -0.1178% | 5,416 |
| Credit loss provision to net charge-offs | -38.4615% | 4,633 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7620% | 356 |
| Assets per employee ($millions) | 5.5391% | 1,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6213% | 5,203 |
| Loan loss allowance to noncurrent loans | 38.8430% | 4,712 |
| Noncurrent assets plus other real estate owned to assets | 1.0935% | 1,392 |
| Noncurrent loans to loans | 1.5995% | 1,050 |
| Net loans and leases to total assets | 58.1653% | 3,991 |
| Net loans and leases to deposits | 69.4109% | 3,922 |
| Net loans and leases to core deposits | 81.9960% | 3,243 |
| Total domestic deposits to total assets | 83.7984% | 3,279 |
| Equity capital to assets | 14.4117% | 804 |
| Core capital (leverage) ratio | 14.7536% | 671 |
| Tier 1 risk-based capital ratio | 30.4954% | 447 |
| Total risk-based capital ratio | 31.2640% | 458 |
| Memoranda: | ||
| Average total assets | $38,800,800 | 5,346 |
| Average earning assets | $35,593,600 | 5,337 |
| Average equity | $5,549,600 | 5,174 |
| Average total loans | $22,063,200 | 5,254 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7662% | 4,121 |
| Cost of funding earning assets | 0.5321% | 2,020 |
| Net interest margin | 3.2341% | 4,377 |
| Noninterest income to average assets | 0.3848% | 3,784 |
| Noninterest expense to average assets | 3.1024% | 1,793 |
| Loan and lease loss provision to assets | 0.0343% | 3,434 |
| Net operating income to assets | 0.2027% | 5,352 |
| Return on assets (ROA) | 0.2027% | 5,364 |
| Pretax return on assets | 0.2130% | 5,373 |
| Return on Equity (ROE) | 1.4199% | 5,383 |
| Retained earnings to average equity (ytd only) | 1.4199% | 4,844 |
| Net charge-offs to loans | -0.1765% | 5,508 |
| Credit loss provision to net charge-offs | -34.4828% | 4,418 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6154% | 327 |
| Assets per employee ($millions) | 5.4987% | 1,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6430% | 5,248 |
| Loan loss allowance to noncurrent loans | 27.0677% | 4,983 |
| Noncurrent assets plus other real estate owned to assets | 1.3821% | 1,133 |
| Noncurrent loans to loans | 2.3754% | 661 |
| Net loans and leases to total assets | 57.8109% | 4,077 |
| Net loans and leases to deposits | 68.8767% | 4,048 |
| Net loans and leases to core deposits | 81.4197% | 3,338 |
| Total domestic deposits to total assets | 83.9339% | 3,148 |
| Equity capital to assets | 14.5099% | 855 |
| Core capital (leverage) ratio | 14.5083% | 763 |
| Tier 1 risk-based capital ratio | 30.2700% | 468 |
| Total risk-based capital ratio | 31.0499% | 478 |
| Memoranda: | ||
| Average total assets | $38,807,500 | 5,405 |
| Average earning assets | $35,578,750 | 5,398 |
| Average equity | $5,540,000 | 5,234 |
| Average total loans | $21,905,500 | 5,313 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7601% | 4,030 |
| Cost of funding earning assets | 0.5171% | 2,036 |
| Net interest margin | 3.2430% | 4,282 |
| Noninterest income to average assets | 0.3392% | 4,124 |
| Noninterest expense to average assets | 3.1712% | 1,651 |
| Loan and lease loss provision to assets | 0.0257% | 3,484 |
| Net operating income to assets | 0.1234% | 5,467 |
| Return on assets (ROA) | 0.1234% | 5,473 |
| Pretax return on assets | 0.1079% | 5,503 |
| Return on Equity (ROE) | 0.8688% | 5,488 |
| Retained earnings to average equity (ytd only) | 0.8688% | 4,875 |
| Net charge-offs to loans | -0.2944% | 5,641 |
| Credit loss provision to net charge-offs | -15.6250% | 4,229 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.9565% | 263 |
| Assets per employee ($millions) | 5.4493% | 1,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6628% | 5,276 |
| Loan loss allowance to noncurrent loans | 81.6092% | 3,917 |
| Noncurrent assets plus other real estate owned to assets | 0.4562% | 3,285 |
| Noncurrent loans to loans | 0.8122% | 2,378 |
| Net loans and leases to total assets | 55.7897% | 4,247 |
| Net loans and leases to deposits | 66.5843% | 4,183 |
| Net loans and leases to core deposits | 77.9324% | 3,604 |
| Total domestic deposits to total assets | 83.7882% | 3,288 |
| Equity capital to assets | 14.5576% | 811 |
| Core capital (leverage) ratio | 14.4915% | 742 |
| Tier 1 risk-based capital ratio | 31.7459% | 414 |
| Total risk-based capital ratio | 32.5577% | 418 |
| Memoranda: | ||
| Average total assets | $38,913,000 | 5,445 |
| Average earning assets | $35,584,330 | 5,442 |
| Average equity | $5,525,000 | 5,269 |
| Average total loans | $21,742,000 | 5,358 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7720% | 3,861 |
| Cost of funding earning assets | 0.5230% | 1,916 |
| Net interest margin | 3.2490% | 4,184 |
| Noninterest income to average assets | 0.3461% | 4,074 |
| Noninterest expense to average assets | 3.2980% | 1,393 |
| Loan and lease loss provision to assets | 0.1018% | 1,862 |
| Net operating income to assets | -0.0232% | 5,620 |
| Return on assets (ROA) | -0.0102% | 5,615 |
| Pretax return on assets | -0.0611% | 5,625 |
| Return on Equity (ROE) | -0.0726% | 5,614 |
| Retained earnings to average equity (ytd only) | -0.0726% | 4,925 |
| Net charge-offs to loans | 0.0365% | 2,055 |
| Credit loss provision to net charge-offs | 500.0000% | 560 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 2,768 |
| Efficiency ratio | 99.3865% | 231 |
| Assets per employee ($millions) | 5.6041% | 1,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5183% | 5,582 |
| Loan loss allowance to noncurrent loans | 45.0199% | 4,753 |
| Noncurrent assets plus other real estate owned to assets | 0.6628% | 2,647 |
| Noncurrent loans to loans | 1.1512% | 1,768 |
| Net loans and leases to total assets | 55.2907% | 4,225 |
| Net loans and leases to deposits | 65.2900% | 4,227 |
| Net loans and leases to core deposits | 75.9082% | 3,656 |
| Total domestic deposits to total assets | 84.6848% | 3,223 |
| Equity capital to assets | 14.0534% | 885 |
| Core capital (leverage) ratio | 14.1070% | 813 |
| Tier 1 risk-based capital ratio | 31.1451% | 438 |
| Total risk-based capital ratio | 31.7835% | 458 |
| Memoranda: | ||
| Average total assets | $39,297,000 | 5,508 |
| Average earning assets | $35,949,000 | 5,494 |
| Average equity | $5,511,000 | 5,322 |
| Average total loans | $21,901,500 | 5,410 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8904% | 3,600 |
| Cost of funding earning assets | 0.5193% | 1,943 |
| Net interest margin | 3.3711% | 3,919 |
| Noninterest income to average assets | 0.3370% | 4,327 |
| Noninterest expense to average assets | 3.1054% | 2,016 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.2300% | 5,353 |
| Return on assets (ROA) | 0.2547% | 5,383 |
| Pretax return on assets | 0.3190% | 5,341 |
| Return on Equity (ROE) | 1.8050% | 5,438 |
| Retained earnings to average equity (ytd only) | 1.8050% | 4,500 |
| Net charge-offs to loans | 0.0854% | 2,476 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 5.8947% | 3,264 |
| Efficiency ratio | 91.5087% | 482 |
| Assets per employee ($millions) | 6.5608% | 1,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4727% | 5,681 |
| Loan loss allowance to noncurrent loans | 28.2609% | 5,114 |
| Noncurrent assets plus other real estate owned to assets | 0.9348% | 2,030 |
| Noncurrent loans to loans | 1.6727% | 1,155 |
| Net loans and leases to total assets | 55.6230% | 4,300 |
| Net loans and leases to deposits | 65.9161% | 4,247 |
| Net loans and leases to core deposits | 76.6184% | 3,694 |
| Total domestic deposits to total assets | 84.3846% | 3,280 |
| Equity capital to assets | 13.9947% | 889 |
| Core capital (leverage) ratio | 14.0556% | 805 |
| Tier 1 risk-based capital ratio | 30.2948% | 470 |
| Total risk-based capital ratio | 30.8680% | 489 |
| Memoranda: | ||
| Average total assets | $38,868,000 | 5,564 |
| Average earning assets | $35,240,200 | 5,557 |
| Average equity | $5,484,800 | 5,374 |
| Average total loans | $22,247,200 | 5,437 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9375% | 3,466 |
| Cost of funding earning assets | 0.5103% | 2,014 |
| Net interest margin | 3.4272% | 3,747 |
| Noninterest income to average assets | 0.3407% | 4,342 |
| Noninterest expense to average assets | 3.1110% | 2,000 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.2925% | 5,301 |
| Return on assets (ROA) | 0.2925% | 5,386 |
| Pretax return on assets | 0.3269% | 5,414 |
| Return on Equity (ROE) | 2.0685% | 5,459 |
| Retained earnings to average equity (ytd only) | 2.0685% | 4,658 |
| Net charge-offs to loans | -0.1135% | 5,614 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4905% | 539 |
| Assets per employee ($millions) | 6.4633% | 1,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6385% | 5,551 |
| Loan loss allowance to noncurrent loans | 35.8586% | 5,061 |
| Noncurrent assets plus other real estate owned to assets | 1.0959% | 1,862 |
| Noncurrent loans to loans | 1.7807% | 1,164 |
| Net loans and leases to total assets | 56.9778% | 4,197 |
| Net loans and leases to deposits | 67.6091% | 4,189 |
| Net loans and leases to core deposits | 78.7764% | 3,579 |
| Total domestic deposits to total assets | 84.2754% | 3,108 |
| Equity capital to assets | 14.2522% | 948 |
| Core capital (leverage) ratio | 14.2242% | 788 |
| Tier 1 risk-based capital ratio | 29.8331% | 486 |
| Total risk-based capital ratio | 30.6053% | 501 |
| Memoranda: | ||
| Average total assets | $38,743,750 | 5,620 |
| Average earning assets | $35,012,750 | 5,623 |
| Average equity | $5,478,750 | 5,428 |
| Average total loans | $22,309,000 | 5,489 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9718% | 3,341 |
| Cost of funding earning assets | 0.4993% | 2,106 |
| Net interest margin | 3.4725% | 3,603 |
| Noninterest income to average assets | 0.3511% | 4,268 |
| Noninterest expense to average assets | 3.1292% | 1,983 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3150% | 5,279 |
| Return on assets (ROA) | 0.3150% | 5,368 |
| Pretax return on assets | 0.3460% | 5,425 |
| Return on Equity (ROE) | 2.2333% | 5,454 |
| Retained earnings to average equity (ytd only) | 2.2333% | 4,456 |
| Net charge-offs to loans | 0.0448% | 2,576 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 13.4000% | 2,130 |
| Efficiency ratio | 90.0446% | 599 |
| Assets per employee ($millions) | 6.5077% | 1,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5111% | 5,788 |
| Loan loss allowance to noncurrent loans | 33.1461% | 5,219 |
| Noncurrent assets plus other real estate owned to assets | 0.9246% | 2,303 |
| Noncurrent loans to loans | 1.5421% | 1,398 |
| Net loans and leases to total assets | 58.8229% | 4,032 |
| Net loans and leases to deposits | 70.1742% | 3,966 |
| Net loans and leases to core deposits | 81.7250% | 3,297 |
| Total domestic deposits to total assets | 83.8242% | 3,343 |
| Equity capital to assets | 14.1064% | 986 |
| Core capital (leverage) ratio | 14.0053% | 821 |
| Tier 1 risk-based capital ratio | 28.6374% | 555 |
| Total risk-based capital ratio | 29.2565% | 578 |
| Memoranda: | ||
| Average total assets | $38,731,670 | 5,679 |
| Average earning assets | $34,845,670 | 5,695 |
| Average equity | $5,462,670 | 5,482 |
| Average total loans | $22,332,670 | 5,553 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9879% | 3,263 |
| Cost of funding earning assets | 0.4813% | 2,262 |
| Net interest margin | 3.5066% | 3,449 |
| Noninterest income to average assets | 0.3629% | 4,125 |
| Noninterest expense to average assets | 3.3597% | 1,466 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2592% | 5,412 |
| Return on assets (ROA) | 0.2592% | 5,480 |
| Pretax return on assets | 0.1763% | 5,666 |
| Return on Equity (ROE) | 1.8382% | 5,535 |
| Retained earnings to average equity (ytd only) | 1.8382% | 4,525 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0147% | 420 |
| Assets per employee ($millions) | 6.4142% | 1,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5524% | 5,818 |
| Loan loss allowance to noncurrent loans | 34.8442% | 5,190 |
| Noncurrent assets plus other real estate owned to assets | 0.9406% | 2,356 |
| Noncurrent loans to loans | 1.5852% | 1,466 |
| Net loans and leases to total assets | 57.5419% | 4,092 |
| Net loans and leases to deposits | 68.0840% | 4,052 |
| Net loans and leases to core deposits | 79.3529% | 3,377 |
| Total domestic deposits to total assets | 84.5160% | 3,311 |
| Equity capital to assets | 14.1770% | 924 |
| Core capital (leverage) ratio | 14.1867% | 766 |
| Tier 1 risk-based capital ratio | 28.8144% | 558 |
| Total risk-based capital ratio | 29.4680% | 582 |
| Memoranda: | ||
| Average total assets | $38,574,500 | 5,744 |
| Average earning assets | $34,905,500 | 5,747 |
| Average equity | $5,440,000 | 5,520 |
| Average total loans | $21,956,000 | 5,615 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8209% | 3,978 |
| Cost of funding earning assets | 0.5168% | 2,017 |
| Net interest margin | 3.3041% | 4,285 |
| Noninterest income to average assets | 0.4057% | 3,994 |
| Noninterest expense to average assets | 2.9526% | 2,692 |
| Loan and lease loss provision to assets | 0.0822% | 2,651 |
| Net operating income to assets | 0.3466% | 5,220 |
| Return on assets (ROA) | 0.3466% | 5,316 |
| Pretax return on assets | 0.3749% | 5,372 |
| Return on Equity (ROE) | 2.5176% | 5,451 |
| Retained earnings to average equity (ytd only) | 2.5176% | 4,280 |
| Net charge-offs to loans | 0.3187% | 942 |
| Credit loss provision to net charge-offs | 49.2308% | 3,417 |
| Earnings coverage of net charge-offs (x) | 2.7385% | 3,837 |
| Efficiency ratio | 86.5964% | 955 |
| Assets per employee ($millions) | 6.4440% | 1,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5683% | 5,840 |
| Loan loss allowance to noncurrent loans | 36.9369% | 5,181 |
| Noncurrent assets plus other real estate owned to assets | 0.8845% | 2,461 |
| Noncurrent loans to loans | 1.5385% | 1,502 |
| Net loans and leases to total assets | 55.6616% | 4,323 |
| Net loans and leases to deposits | 65.8719% | 4,326 |
| Net loans and leases to core deposits | 76.6991% | 3,694 |
| Total domestic deposits to total assets | 84.4998% | 3,289 |
| Equity capital to assets | 14.0286% | 922 |
| Core capital (leverage) ratio | 14.0316% | 808 |
| Tier 1 risk-based capital ratio | 28.7967% | 563 |
| Total risk-based capital ratio | 29.4542% | 583 |
| Memoranda: | ||
| Average total assets | $38,948,400 | 5,785 |
| Average earning assets | $35,410,400 | 5,777 |
| Average equity | $5,362,200 | 5,566 |
| Average total loans | $20,395,200 | 5,704 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8015% | 4,083 |
| Cost of funding earning assets | 0.5280% | 1,980 |
| Net interest margin | 3.2735% | 4,451 |
| Noninterest income to average assets | 0.3998% | 4,088 |
| Noninterest expense to average assets | 2.9045% | 2,835 |
| Loan and lease loss provision to assets | 0.1094% | 2,059 |
| Net operating income to assets | 0.2870% | 5,492 |
| Return on assets (ROA) | 0.2870% | 5,567 |
| Pretax return on assets | 0.3520% | 5,552 |
| Return on Equity (ROE) | 2.0947% | 5,648 |
| Retained earnings to average equity (ytd only) | 2.0947% | 4,834 |
| Net charge-offs to loans | 0.3983% | 642 |
| Credit loss provision to net charge-offs | 53.3333% | 2,997 |
| Earnings coverage of net charge-offs (x) | 2.2500% | 3,700 |
| Efficiency ratio | 86.2944% | 984 |
| Assets per employee ($millions) | 6.3863% | 1,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6172% | 5,867 |
| Loan loss allowance to noncurrent loans | 43.2432% | 5,134 |
| Noncurrent assets plus other real estate owned to assets | 0.7960% | 2,895 |
| Noncurrent loans to loans | 1.4273% | 1,768 |
| Net loans and leases to total assets | 53.7893% | 4,584 |
| Net loans and leases to deposits | 63.8903% | 4,569 |
| Net loans and leases to core deposits | 74.5290% | 3,958 |
| Total domestic deposits to total assets | 84.1902% | 3,345 |
| Equity capital to assets | 14.0665% | 1,000 |
| Core capital (leverage) ratio | 13.8083% | 909 |
| Tier 1 risk-based capital ratio | 30.1872% | 513 |
| Total risk-based capital ratio | 30.9132% | 533 |
| Memoranda: | ||
| Average total assets | $39,019,500 | 5,863 |
| Average earning assets | $35,354,000 | 5,856 |
| Average equity | $5,346,750 | 5,640 |
| Average total loans | $20,083,000 | 5,791 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7711% | 4,172 |
| Cost of funding earning assets | 0.5307% | 1,979 |
| Net interest margin | 3.2404% | 4,526 |
| Noninterest income to average assets | 0.3821% | 4,221 |
| Noninterest expense to average assets | 2.8635% | 3,020 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3821% | 5,197 |
| Return on assets (ROA) | 0.3821% | 5,308 |
| Pretax return on assets | 0.4433% | 5,368 |
| Return on Equity (ROE) | 2.8130% | 5,469 |
| Retained earnings to average equity (ytd only) | 2.8130% | 4,254 |
| Net charge-offs to loans | 0.6041% | 390 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 1.4500% | 3,509 |
| Efficiency ratio | 86.5948% | 1,010 |
| Assets per employee ($millions) | 6.4792% | 1,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4814% | 6,104 |
| Loan loss allowance to noncurrent loans | 42.2907% | 5,206 |
| Noncurrent assets plus other real estate owned to assets | 0.6071% | 3,595 |
| Noncurrent loans to loans | 1.1383% | 2,374 |
| Net loans and leases to total assets | 51.0508% | 4,843 |
| Net loans and leases to deposits | 60.0557% | 4,844 |
| Net loans and leases to core deposits | 69.7624% | 4,345 |
| Total domestic deposits to total assets | 85.0058% | 3,118 |
| Equity capital to assets | 13.7955% | 1,060 |
| Core capital (leverage) ratio | 13.5073% | 984 |
| Tier 1 risk-based capital ratio | 30.7795% | 500 |
| Total risk-based capital ratio | 31.3354% | 532 |
| Memoranda: | ||
| Average total assets | $39,253,330 | 5,916 |
| Average earning assets | $35,427,330 | 5,921 |
| Average equity | $5,332,330 | 5,694 |
| Average total loans | $19,864,330 | 5,857 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6263% | 4,610 |
| Cost of funding earning assets | 0.5244% | 2,059 |
| Net interest margin | 3.1019% | 4,943 |
| Noninterest income to average assets | 0.3651% | 4,292 |
| Noninterest expense to average assets | 2.8497% | 3,073 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3144% | 5,363 |
| Return on assets (ROA) | 0.3144% | 5,467 |
| Pretax return on assets | 0.3347% | 5,567 |
| Return on Equity (ROE) | 2.3321% | 5,598 |
| Retained earnings to average equity (ytd only) | 2.3321% | 4,523 |
| Net charge-offs to loans | 0.2219% | 1,051 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 2,667 |
| Efficiency ratio | 89.4904% | 889 |
| Assets per employee ($millions) | 6.5930% | 1,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7324% | 5,844 |
| Loan loss allowance to noncurrent loans | 36.3409% | 5,392 |
| Noncurrent assets plus other real estate owned to assets | 1.0845% | 2,450 |
| Noncurrent loans to loans | 2.0154% | 1,296 |
| Net loans and leases to total assets | 49.6815% | 4,885 |
| Net loans and leases to deposits | 58.3469% | 4,889 |
| Net loans and leases to core deposits | 67.5570% | 4,375 |
| Total domestic deposits to total assets | 85.1484% | 3,337 |
| Equity capital to assets | 13.5143% | 1,165 |
| Core capital (leverage) ratio | 13.3785% | 1,019 |
| Tier 1 risk-based capital ratio | 30.8651% | 499 |
| Total risk-based capital ratio | 31.7132% | 515 |
| Memoranda: | ||
| Average total assets | $39,442,500 | 5,970 |
| Average earning assets | $35,849,000 | 5,967 |
| Average equity | $5,317,000 | 5,756 |
| Average total loans | $19,825,500 | 5,905 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7639% | 4,603 |
| Cost of funding earning assets | 0.5488% | 2,213 |
| Net interest margin | 3.2151% | 4,871 |
| Noninterest income to average assets | 0.3777% | 4,363 |
| Noninterest expense to average assets | 3.1227% | 2,440 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.1926% | 5,778 |
| Return on assets (ROA) | 0.1926% | 5,831 |
| Pretax return on assets | 0.1952% | 5,878 |
| Return on Equity (ROE) | 1.4467% | 5,903 |
| Retained earnings to average equity (ytd only) | 1.4467% | 5,117 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1176% | 593 |
| Assets per employee ($millions) | 6.5545% | 1,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7858% | 5,816 |
| Loan loss allowance to noncurrent loans | 38.3292% | 5,417 |
| Noncurrent assets plus other real estate owned to assets | 1.0349% | 2,672 |
| Noncurrent loans to loans | 2.0501% | 1,337 |
| Net loans and leases to total assets | 50.0852% | 4,967 |
| Net loans and leases to deposits | 58.8743% | 4,991 |
| Net loans and leases to core deposits | 68.2242% | 4,478 |
| Total domestic deposits to total assets | 85.0713% | 3,258 |
| Equity capital to assets | 13.4462% | 1,184 |
| Core capital (leverage) ratio | 13.5454% | 959 |
| Tier 1 risk-based capital ratio | 27.5490% | 640 |
| Total risk-based capital ratio | 28.3622% | 656 |
| Memoranda: | ||
| Average total assets | $39,453,600 | 6,050 |
| Average earning assets | $36,079,200 | 6,031 |
| Average equity | $5,253,200 | 5,802 |
| Average total loans | $20,272,400 | 5,950 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7413% | 4,738 |
| Cost of funding earning assets | 0.5487% | 2,306 |
| Net interest margin | 3.1927% | 4,992 |
| Noninterest income to average assets | 0.3579% | 4,573 |
| Noninterest expense to average assets | 3.2382% | 2,061 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.0608% | 6,194 |
| Return on assets (ROA) | -0.0608% | 6,198 |
| Pretax return on assets | 0.0473% | 6,115 |
| Return on Equity (ROE) | -0.4576% | 6,186 |
| Retained earnings to average equity (ytd only) | -0.4576% | 5,867 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.5612% | 413 |
| Assets per employee ($millions) | 6.5427% | 1,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7782% | 5,925 |
| Loan loss allowance to noncurrent loans | 61.6601% | 4,728 |
| Noncurrent assets plus other real estate owned to assets | 0.6445% | 3,905 |
| Noncurrent loans to loans | 1.2621% | 2,531 |
| Net loans and leases to total assets | 50.6674% | 4,927 |
| Net loans and leases to deposits | 59.5349% | 4,982 |
| Net loans and leases to core deposits | 68.9882% | 4,417 |
| Total domestic deposits to total assets | 85.1055% | 3,296 |
| Equity capital to assets | 13.2948% | 1,283 |
| Core capital (leverage) ratio | 13.1649% | 1,116 |
| Tier 1 risk-based capital ratio | 26.3572% | 757 |
| Total risk-based capital ratio | 27.1495% | 774 |
| Memoranda: | ||
| Average total assets | $39,485,250 | 6,122 |
| Average earning assets | $36,207,000 | 6,105 |
| Average equity | $5,244,500 | 5,863 |
| Average total loans | $20,377,250 | 6,009 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8028% | 4,516 |
| Cost of funding earning assets | 0.5550% | 2,304 |
| Net interest margin | 3.2478% | 4,788 |
| Noninterest income to average assets | 0.3387% | 4,721 |
| Noninterest expense to average assets | 3.0636% | 2,614 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1668% | 5,915 |
| Return on assets (ROA) | 0.1668% | 5,956 |
| Pretax return on assets | 0.2629% | 5,850 |
| Return on Equity (ROE) | 1.2564% | 6,004 |
| Retained earnings to average equity (ytd only) | 1.2564% | 5,249 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0973% | 760 |
| Assets per employee ($millions) | 6.5448% | 988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7726% | 6,042 |
| Loan loss allowance to noncurrent loans | 43.2133% | 5,409 |
| Noncurrent assets plus other real estate owned to assets | 1.0364% | 2,996 |
| Noncurrent loans to loans | 1.7878% | 1,925 |
| Net loans and leases to total assets | 51.0224% | 4,859 |
| Net loans and leases to deposits | 59.9127% | 4,875 |
| Net loans and leases to core deposits | 69.3984% | 4,328 |
| Total domestic deposits to total assets | 85.1613% | 3,429 |
| Equity capital to assets | 13.4304% | 1,184 |
| Core capital (leverage) ratio | 13.3760% | 1,024 |
| Tier 1 risk-based capital ratio | 25.6409% | 812 |
| Total risk-based capital ratio | 26.4041% | 840 |
| Memoranda: | ||
| Average total assets | $39,561,670 | 6,184 |
| Average earning assets | $36,394,330 | 6,160 |
| Average equity | $5,253,000 | 5,900 |
| Average total loans | $20,487,670 | 6,060 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7799% | 4,568 |
| Cost of funding earning assets | 0.5539% | 2,394 |
| Net interest margin | 3.2259% | 4,833 |
| Noninterest income to average assets | 0.3224% | 4,787 |
| Noninterest expense to average assets | 2.9918% | 2,887 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2115% | 5,767 |
| Return on assets (ROA) | 0.2115% | 5,821 |
| Pretax return on assets | 0.3224% | 5,668 |
| Return on Equity (ROE) | 1.6023% | 5,899 |
| Retained earnings to average equity (ytd only) | 1.6023% | 4,970 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2736% | 1,010 |
| Assets per employee ($millions) | 6.5743% | 976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7656% | 6,165 |
| Loan loss allowance to noncurrent loans | 70.5882% | 4,482 |
| Noncurrent assets plus other real estate owned to assets | 0.6769% | 4,090 |
| Noncurrent loans to loans | 1.0847% | 3,249 |
| Net loans and leases to total assets | 51.2574% | 4,757 |
| Net loans and leases to deposits | 60.1470% | 4,745 |
| Net loans and leases to core deposits | 69.5959% | 4,149 |
| Total domestic deposits to total assets | 85.2203% | 3,763 |
| Equity capital to assets | 13.3144% | 1,168 |
| Core capital (leverage) ratio | 13.2660% | 1,060 |
| Tier 1 risk-based capital ratio | 26.1160% | 782 |
| Total risk-based capital ratio | 26.8950% | 798 |
| Memoranda: | ||
| Average total assets | $39,708,000 | 6,244 |
| Average earning assets | $36,826,500 | 6,211 |
| Average equity | $5,242,500 | 5,939 |
| Average total loans | $20,635,500 | 6,108 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9910% | 4,117 |
| Cost of funding earning assets | 0.6131% | 2,541 |
| Net interest margin | 3.3779% | 4,372 |
| Noninterest income to average assets | 0.3891% | 4,524 |
| Noninterest expense to average assets | 3.0739% | 2,824 |
| Loan and lease loss provision to assets | -0.0180% | 6,291 |
| Net operating income to assets | 0.4226% | 5,067 |
| Return on assets (ROA) | 0.4226% | 5,175 |
| Pretax return on assets | 0.4561% | 5,340 |
| Return on Equity (ROE) | 3.1871% | 5,436 |
| Retained earnings to average equity (ytd only) | 3.1871% | 3,968 |
| Net charge-offs to loans | 0.3970% | 1,701 |
| Credit loss provision to net charge-offs | -8.6420% | 5,680 |
| Earnings coverage of net charge-offs (x) | 2.0988% | 4,337 |
| Efficiency ratio | 87.5275% | 1,265 |
| Assets per employee ($millions) | 6.6617% | 915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7466% | 6,274 |
| Loan loss allowance to noncurrent loans | 105.4054% | 3,489 |
| Noncurrent assets plus other real estate owned to assets | 0.3703% | 5,141 |
| Noncurrent loans to loans | 0.7083% | 4,200 |
| Net loans and leases to total assets | 51.8889% | 4,873 |
| Net loans and leases to deposits | 60.8925% | 4,843 |
| Net loans and leases to core deposits | 70.9157% | 4,196 |
| Total domestic deposits to total assets | 85.2139% | 3,628 |
| Equity capital to assets | 13.0923% | 1,232 |
| Core capital (leverage) ratio | 13.0401% | 1,125 |
| Tier 1 risk-based capital ratio | 25.9335% | 775 |
| Total risk-based capital ratio | 26.7101% | 803 |
| Memoranda: | ||
| Average total assets | $38,810,200 | 6,320 |
| Average earning assets | $35,880,600 | 6,293 |
| Average equity | $5,145,800 | 6,032 |
| Average total loans | $20,402,600 | 6,185 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0484% | 3,941 |
| Cost of funding earning assets | 0.6228% | 2,623 |
| Net interest margin | 3.4256% | 4,183 |
| Noninterest income to average assets | 0.3357% | 5,008 |
| Noninterest expense to average assets | 3.0563% | 2,800 |
| Loan and lease loss provision to assets | 0.0519% | 3,987 |
| Net operating income to assets | 0.3565% | 5,416 |
| Return on assets (ROA) | 0.3565% | 5,547 |
| Pretax return on assets | 0.3877% | 5,658 |
| Return on Equity (ROE) | 2.6801% | 5,718 |
| Retained earnings to average equity (ytd only) | 2.6801% | 4,712 |
| Net charge-offs to loans | 0.5457% | 1,165 |
| Credit loss provision to net charge-offs | 18.0723% | 4,099 |
| Earnings coverage of net charge-offs (x) | 1.5302% | 4,327 |
| Efficiency ratio | 87.4257% | 1,222 |
| Assets per employee ($millions) | 6.5402% | 916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8728% | 6,126 |
| Loan loss allowance to noncurrent loans | 137.5000% | 2,715 |
| Noncurrent assets plus other real estate owned to assets | 0.6167% | 4,588 |
| Noncurrent loans to loans | 0.6347% | 4,606 |
| Net loans and leases to total assets | 50.9416% | 5,011 |
| Net loans and leases to deposits | 59.6788% | 5,017 |
| Net loans and leases to core deposits | 69.6783% | 4,359 |
| Total domestic deposits to total assets | 85.3597% | 3,559 |
| Equity capital to assets | 13.1342% | 1,272 |
| Core capital (leverage) ratio | 13.1209% | 1,156 |
| Tier 1 risk-based capital ratio | 26.1426% | 777 |
| Total risk-based capital ratio | 27.0364% | 792 |
| Memoranda: | ||
| Average total assets | $38,520,250 | 6,401 |
| Average earning assets | $35,535,750 | 6,370 |
| Average equity | $5,124,000 | 6,108 |
| Average total loans | $20,279,250 | 6,251 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1159% | 3,669 |
| Cost of funding earning assets | 0.6310% | 2,674 |
| Net interest margin | 3.4848% | 3,840 |
| Noninterest income to average assets | 0.3553% | 4,848 |
| Noninterest expense to average assets | 3.1400% | 2,555 |
| Loan and lease loss provision to assets | 0.0784% | 3,493 |
| Net operating income to assets | 0.3187% | 5,528 |
| Return on assets (ROA) | 0.3187% | 5,682 |
| Pretax return on assets | 0.3396% | 5,774 |
| Return on Equity (ROE) | 2.3856% | 5,839 |
| Retained earnings to average equity (ytd only) | 2.3856% | 4,783 |
| Net charge-offs to loans | 0.8072% | 777 |
| Credit loss provision to net charge-offs | 18.2927% | 3,757 |
| Earnings coverage of net charge-offs (x) | 0.9756% | 4,205 |
| Efficiency ratio | 88.2526% | 1,198 |
| Assets per employee ($millions) | 6.4357% | 932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9037% | 6,124 |
| Loan loss allowance to noncurrent loans | 135.1145% | 2,738 |
| Noncurrent assets plus other real estate owned to assets | 0.6707% | 4,539 |
| Noncurrent loans to loans | 0.6688% | 4,602 |
| Net loans and leases to total assets | 50.2667% | 5,081 |
| Net loans and leases to deposits | 58.8360% | 5,086 |
| Net loans and leases to core deposits | 68.8542% | 4,412 |
| Total domestic deposits to total assets | 85.4353% | 3,675 |
| Equity capital to assets | 13.2102% | 1,256 |
| Core capital (leverage) ratio | 13.2192% | 1,087 |
| Tier 1 risk-based capital ratio | 27.1124% | 685 |
| Total risk-based capital ratio | 28.0525% | 699 |
| Memoranda: | ||
| Average total assets | $38,280,000 | 6,447 |
| Average earning assets | $35,181,000 | 6,429 |
| Average equity | $5,114,000 | 6,151 |
| Average total loans | $20,317,000 | 6,283 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2462% | 3,128 |
| Cost of funding earning assets | 0.6444% | 2,709 |
| Net interest margin | 3.6018% | 3,257 |
| Noninterest income to average assets | 0.3463% | 4,915 |
| Noninterest expense to average assets | 3.2745% | 2,144 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3358% | 5,415 |
| Return on assets (ROA) | 0.3358% | 5,553 |
| Pretax return on assets | 0.3568% | 5,698 |
| Return on Equity (ROE) | 2.4998% | 5,776 |
| Retained earnings to average equity (ytd only) | 2.4998% | 4,775 |
| Net charge-offs to loans | 1.1798% | 497 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.5574% | 3,632 |
| Efficiency ratio | 90.1734% | 1,138 |
| Assets per employee ($millions) | 6.3492% | 1,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9023% | 6,255 |
| Loan loss allowance to noncurrent loans | 116.5605% | 2,959 |
| Noncurrent assets plus other real estate owned to assets | 1.0421% | 3,853 |
| Noncurrent loans to loans | 0.7741% | 4,570 |
| Net loans and leases to total assets | 52.7576% | 4,588 |
| Net loans and leases to deposits | 62.1075% | 4,530 |
| Net loans and leases to core deposits | 70.9800% | 3,954 |
| Total domestic deposits to total assets | 84.9455% | 4,068 |
| Equity capital to assets | 13.4873% | 1,218 |
| Core capital (leverage) ratio | 13.3486% | 998 |
| Tier 1 risk-based capital ratio | 26.4386% | 752 |
| Total risk-based capital ratio | 27.3916% | 759 |
| Memoranda: | ||
| Average total assets | $38,113,000 | 6,515 |
| Average earning assets | $34,760,500 | 6,498 |
| Average equity | $5,120,500 | 6,209 |
| Average total loans | $20,682,000 | 6,325 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1437% | 4,788 |
| Cost of funding earning assets | 0.7615% | 3,002 |
| Net interest margin | 3.3822% | 4,952 |
| Noninterest income to average assets | 0.4200% | 4,457 |
| Noninterest expense to average assets | 2.8760% | 3,736 |
| Loan and lease loss provision to assets | 0.3632% | 1,820 |
| Net operating income to assets | 0.1062% | 6,002 |
| Return on assets (ROA) | 0.1062% | 6,141 |
| Pretax return on assets | 0.2866% | 5,842 |
| Return on Equity (ROE) | 0.8397% | 6,161 |
| Retained earnings to average equity (ytd only) | 0.8397% | 5,447 |
| Net charge-offs to loans | 0.7085% | 1,670 |
| Credit loss provision to net charge-offs | 94.2308% | 3,305 |
| Earnings coverage of net charge-offs (x) | 1.6859% | 4,594 |
| Efficiency ratio | 81.5697% | 1,932 |
| Assets per employee ($millions) | 6.3552% | 1,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1573% | 5,318 |
| Loan loss allowance to noncurrent loans | 51.6949% | 5,043 |
| Noncurrent assets plus other real estate owned to assets | 1.7361% | 2,788 |
| Noncurrent loans to loans | 2.2388% | 2,418 |
| Net loans and leases to total assets | 54.6511% | 4,519 |
| Net loans and leases to deposits | 64.1022% | 4,516 |
| Net loans and leases to core deposits | 73.1989% | 3,892 |
| Total domestic deposits to total assets | 85.2561% | 3,738 |
| Equity capital to assets | 13.3828% | 1,276 |
| Core capital (leverage) ratio | 13.2509% | 1,033 |
| Tier 1 risk-based capital ratio | 25.3760% | 813 |
| Total risk-based capital ratio | 26.6033% | 803 |
| Memoranda: | ||
| Average total assets | $40,472,800 | 6,488 |
| Average earning assets | $37,165,200 | 6,468 |
| Average equity | $5,121,000 | 6,262 |
| Average total loans | $22,019,800 | 6,339 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0049% | 5,505 |
| Cost of funding earning assets | 0.7911% | 3,018 |
| Net interest margin | 3.2138% | 5,666 |
| Noninterest income to average assets | 0.3052% | 5,345 |
| Noninterest expense to average assets | 2.8739% | 3,691 |
| Loan and lease loss provision to assets | 0.1916% | 3,191 |
| Net operating income to assets | 0.1948% | 5,934 |
| Return on assets (ROA) | 0.1948% | 6,098 |
| Pretax return on assets | 0.1948% | 6,134 |
| Return on Equity (ROE) | 1.5608% | 6,139 |
| Retained earnings to average equity (ytd only) | 1.5608% | 5,554 |
| Net charge-offs to loans | 0.4613% | 2,255 |
| Credit loss provision to net charge-offs | 76.6234% | 3,717 |
| Earnings coverage of net charge-offs (x) | 1.5455% | 4,506 |
| Efficiency ratio | 88.1474% | 1,179 |
| Assets per employee ($millions) | 6.7405% | 841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1022% | 5,714 |
| Loan loss allowance to noncurrent loans | 26.1693% | 6,301 |
| Noncurrent assets plus other real estate owned to assets | 2.7495% | 1,917 |
| Noncurrent loans to loans | 4.2118% | 1,176 |
| Net loans and leases to total assets | 52.1376% | 5,027 |
| Net loans and leases to deposits | 61.7290% | 4,997 |
| Net loans and leases to core deposits | 69.9973% | 4,500 |
| Total domestic deposits to total assets | 84.4621% | 3,997 |
| Equity capital to assets | 12.7587% | 1,734 |
| Core capital (leverage) ratio | 12.5164% | 1,400 |
| Tier 1 risk-based capital ratio | 25.3531% | 881 |
| Total risk-based capital ratio | 26.5301% | 874 |
| Memoranda: | ||
| Average total assets | $41,058,250 | 6,548 |
| Average earning assets | $37,753,000 | 6,520 |
| Average equity | $5,125,500 | 6,330 |
| Average total loans | $22,254,000 | 6,408 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9974% | 5,644 |
| Cost of funding earning assets | 0.8321% | 2,931 |
| Net interest margin | 3.1653% | 5,834 |
| Noninterest income to average assets | 0.6010% | 3,257 |
| Noninterest expense to average assets | 2.9130% | 3,570 |
| Loan and lease loss provision to assets | 0.2036% | 3,037 |
| Net operating income to assets | 0.3974% | 5,213 |
| Return on assets (ROA) | 0.3974% | 5,456 |
| Pretax return on assets | 0.3974% | 5,716 |
| Return on Equity (ROE) | 3.2069% | 5,604 |
| Retained earnings to average equity (ytd only) | 3.2069% | 4,482 |
| Net charge-offs to loans | 0.2304% | 3,185 |
| Credit loss provision to net charge-offs | 161.5385% | 1,726 |
| Earnings coverage of net charge-offs (x) | 4.7692% | 2,991 |
| Efficiency ratio | 82.8966% | 1,763 |
| Assets per employee ($millions) | 6.9413% | 747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2132% | 5,295 |
| Loan loss allowance to noncurrent loans | 21.6238% | 6,468 |
| Noncurrent assets plus other real estate owned to assets | 3.2631% | 1,661 |
| Noncurrent loans to loans | 5.6104% | 826 |
| Net loans and leases to total assets | 52.5932% | 5,018 |
| Net loans and leases to deposits | 60.9766% | 5,138 |
| Net loans and leases to core deposits | 69.4880% | 4,598 |
| Total domestic deposits to total assets | 86.2514% | 3,221 |
| Equity capital to assets | 12.4112% | 1,869 |
| Core capital (leverage) ratio | 12.2071% | 1,498 |
| Tier 1 risk-based capital ratio | 24.0697% | 1,005 |
| Total risk-based capital ratio | 25.3196% | 985 |
| Memoranda: | ||
| Average total assets | $41,263,330 | 6,580 |
| Average earning assets | $37,974,670 | 6,555 |
| Average equity | $5,114,000 | 6,363 |
| Average total loans | $22,565,000 | 6,436 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0890% | 5,501 |
| Cost of funding earning assets | 0.8792% | 2,842 |
| Net interest margin | 3.2097% | 5,758 |
| Noninterest income to average assets | 0.6428% | 2,973 |
| Noninterest expense to average assets | 2.9802% | 3,332 |
| Loan and lease loss provision to assets | 0.4090% | 1,542 |
| Net operating income to assets | 0.2045% | 5,972 |
| Return on assets (ROA) | 0.2045% | 6,118 |
| Pretax return on assets | 0.2045% | 6,193 |
| Return on Equity (ROE) | 1.6514% | 6,176 |
| Retained earnings to average equity (ytd only) | 1.6514% | 5,410 |
| Net charge-offs to loans | 0.4218% | 2,040 |
| Credit loss provision to net charge-offs | 175.0000% | 1,460 |
| Earnings coverage of net charge-offs (x) | 2.6250% | 3,127 |
| Efficiency ratio | 82.9268% | 1,811 |
| Assets per employee ($millions) | 7.0352% | 748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1913% | 5,528 |
| Loan loss allowance to noncurrent loans | 22.9272% | 6,455 |
| Noncurrent assets plus other real estate owned to assets | 3.1224% | 1,857 |
| Noncurrent loans to loans | 5.1958% | 1,057 |
| Net loans and leases to total assets | 53.2515% | 4,844 |
| Net loans and leases to deposits | 61.4354% | 4,994 |
| Net loans and leases to core deposits | 69.8118% | 4,451 |
| Total domestic deposits to total assets | 86.6788% | 3,128 |
| Equity capital to assets | 12.0822% | 1,986 |
| Core capital (leverage) ratio | 11.9021% | 1,644 |
| Tier 1 risk-based capital ratio | 24.5085% | 951 |
| Total risk-based capital ratio | 25.7476% | 941 |
| Memoranda: | ||
| Average total assets | $41,071,000 | 6,648 |
| Average earning assets | $37,760,000 | 6,611 |
| Average equity | $5,086,500 | 6,403 |
| Average total loans | $22,761,000 | 6,480 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2328% | 5,967 |
| Cost of funding earning assets | 0.9979% | 3,400 |
| Net interest margin | 3.2349% | 5,992 |
| Noninterest income to average assets | 0.3067% | 5,347 |
| Noninterest expense to average assets | 2.8481% | 4,169 |
| Loan and lease loss provision to assets | 0.3645% | 2,814 |
| Net operating income to assets | -0.0327% | 6,085 |
| Return on assets (ROA) | -0.0327% | 6,187 |
| Pretax return on assets | 0.0603% | 6,035 |
| Return on Equity (ROE) | -0.2585% | 6,189 |
| Retained earnings to average equity (ytd only) | -0.2585% | 5,899 |
| Net charge-offs to loans | 0.6821% | 2,448 |
| Credit loss provision to net charge-offs | 92.9487% | 3,880 |
| Earnings coverage of net charge-offs (x) | 1.0833% | 4,973 |
| Efficiency ratio | 87.0200% | 1,436 |
| Assets per employee ($millions) | 6.6552% | 879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1110% | 5,774 |
| Loan loss allowance to noncurrent loans | 23.2751% | 6,504 |
| Noncurrent assets plus other real estate owned to assets | 3.5010% | 1,694 |
| Noncurrent loans to loans | 4.7732% | 1,215 |
| Net loans and leases to total assets | 56.3973% | 4,634 |
| Net loans and leases to deposits | 65.5719% | 4,791 |
| Net loans and leases to core deposits | 74.2426% | 4,205 |
| Total domestic deposits to total assets | 86.0084% | 3,320 |
| Equity capital to assets | 12.7044% | 1,652 |
| Core capital (leverage) ratio | 12.5489% | 1,329 |
| Tier 1 risk-based capital ratio | 25.5818% | 813 |
| Total risk-based capital ratio | 26.8296% | 793 |
| Memoranda: | ||
| Average total assets | $39,780,400 | 6,684 |
| Average earning assets | $36,477,200 | 6,656 |
| Average equity | $5,028,800 | 6,438 |
| Average total loans | $22,871,400 | 6,514 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2405% | 6,110 |
| Cost of funding earning assets | 1.0172% | 3,549 |
| Net interest margin | 3.2234% | 6,100 |
| Noninterest income to average assets | 0.3355% | 5,173 |
| Noninterest expense to average assets | 2.8080% | 4,311 |
| Loan and lease loss provision to assets | 0.4865% | 2,040 |
| Net operating income to assets | -0.1711% | 6,355 |
| Return on assets (ROA) | -0.1711% | 6,430 |
| Pretax return on assets | -0.0033% | 6,235 |
| Return on Equity (ROE) | -1.3552% | 6,418 |
| Retained earnings to average equity (ytd only) | -1.3552% | 6,211 |
| Net charge-offs to loans | 0.5183% | 2,683 |
| Credit loss provision to net charge-offs | 162.9213% | 1,883 |
| Earnings coverage of net charge-offs (x) | 1.6181% | 4,432 |
| Efficiency ratio | 85.3211% | 1,597 |
| Assets per employee ($millions) | 5.8090% | 1,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4036% | 4,550 |
| Loan loss allowance to noncurrent loans | 36.6133% | 5,853 |
| Noncurrent assets plus other real estate owned to assets | 2.9167% | 2,216 |
| Noncurrent loans to loans | 3.8337% | 1,751 |
| Net loans and leases to total assets | 55.2788% | 4,959 |
| Net loans and leases to deposits | 63.9980% | 5,173 |
| Net loans and leases to core deposits | 73.0446% | 4,579 |
| Total domestic deposits to total assets | 86.3758% | 2,997 |
| Equity capital to assets | 12.3847% | 1,980 |
| Core capital (leverage) ratio | 12.2293% | 1,575 |
| Tier 1 risk-based capital ratio | 25.2749% | 888 |
| Total risk-based capital ratio | 26.5275% | 880 |
| Memoranda: | ||
| Average total assets | $39,742,750 | 6,739 |
| Average earning assets | $36,441,000 | 6,720 |
| Average equity | $5,017,750 | 6,495 |
| Average total loans | $22,896,000 | 6,583 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2788% | 6,084 |
| Cost of funding earning assets | 1.0406% | 3,668 |
| Net interest margin | 3.2381% | 6,033 |
| Noninterest income to average assets | 0.5021% | 3,844 |
| Noninterest expense to average assets | 2.8248% | 4,327 |
| Loan and lease loss provision to assets | 0.6339% | 1,512 |
| Net operating income to assets | -0.2434% | 6,510 |
| Return on assets (ROA) | -0.2434% | 6,545 |
| Pretax return on assets | 0.0101% | 6,253 |
| Return on Equity (ROE) | -1.9155% | 6,507 |
| Retained earnings to average equity (ytd only) | -1.9155% | 6,236 |
| Net charge-offs to loans | 0.4536% | 2,766 |
| Credit loss provision to net charge-offs | 240.3846% | 1,257 |
| Earnings coverage of net charge-offs (x) | 2.4423% | 3,599 |
| Efficiency ratio | 81.4327% | 2,180 |
| Assets per employee ($millions) | 5.7199% | 1,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4803% | 4,219 |
| Loan loss allowance to noncurrent loans | 60.8303% | 4,408 |
| Noncurrent assets plus other real estate owned to assets | 2.2153% | 2,959 |
| Noncurrent loans to loans | 2.4336% | 2,953 |
| Net loans and leases to total assets | 56.0154% | 4,994 |
| Net loans and leases to deposits | 64.9579% | 5,159 |
| Net loans and leases to core deposits | 74.9173% | 4,449 |
| Total domestic deposits to total assets | 86.2334% | 3,195 |
| Equity capital to assets | 12.5178% | 1,769 |
| Core capital (leverage) ratio | 12.4172% | 1,402 |
| Tier 1 risk-based capital ratio | 24.9799% | 905 |
| Total risk-based capital ratio | 26.2324% | 891 |
| Memoranda: | ||
| Average total assets | $39,436,000 | 6,810 |
| Average earning assets | $36,132,000 | 6,792 |
| Average equity | $5,011,670 | 6,525 |
| Average total loans | $22,928,670 | 6,641 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3573% | 5,830 |
| Cost of funding earning assets | 1.0587% | 3,793 |
| Net interest margin | 3.2986% | 5,785 |
| Noninterest income to average assets | 0.4600% | 4,190 |
| Noninterest expense to average assets | 2.9641% | 3,798 |
| Loan and lease loss provision to assets | 0.5111% | 1,702 |
| Net operating income to assets | 0.0102% | 6,328 |
| Return on assets (ROA) | 0.0102% | 6,362 |
| Pretax return on assets | 0.0102% | 6,336 |
| Return on Equity (ROE) | 0.0798% | 6,365 |
| Retained earnings to average equity (ytd only) | 0.0798% | 5,760 |
| Net charge-offs to loans | 0.5389% | 2,148 |
| Credit loss provision to net charge-offs | 161.2903% | 1,789 |
| Earnings coverage of net charge-offs (x) | 1.6452% | 3,490 |
| Efficiency ratio | 85.0440% | 1,835 |
| Assets per employee ($millions) | 5.7283% | 1,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2378% | 5,452 |
| Loan loss allowance to noncurrent loans | 80.1700% | 3,528 |
| Noncurrent assets plus other real estate owned to assets | 1.7382% | 3,654 |
| Noncurrent loans to loans | 1.5439% | 4,151 |
| Net loans and leases to total assets | 56.3145% | 4,943 |
| Net loans and leases to deposits | 65.2310% | 5,088 |
| Net loans and leases to core deposits | 75.3177% | 4,377 |
| Total domestic deposits to total assets | 86.3310% | 3,322 |
| Equity capital to assets | 12.4919% | 1,632 |
| Core capital (leverage) ratio | 12.5072% | 1,321 |
| Tier 1 risk-based capital ratio | 25.6481% | 819 |
| Total risk-based capital ratio | 26.8957% | 795 |
| Memoranda: | ||
| Average total assets | $39,134,500 | 6,862 |
| Average earning assets | $35,894,000 | 6,848 |
| Average equity | $5,011,500 | 6,557 |
| Average total loans | $23,010,500 | 6,693 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0438% | 4,351 |
| Cost of funding earning assets | 1.4389% | 3,026 |
| Net interest margin | 3.6048% | 4,798 |
| Noninterest income to average assets | 0.4185% | 4,755 |
| Noninterest expense to average assets | 3.0337% | 3,717 |
| Loan and lease loss provision to assets | 0.2188% | 5,077 |
| Net operating income to assets | 0.4623% | 4,265 |
| Return on assets (ROA) | 0.4623% | 4,430 |
| Pretax return on assets | 0.4623% | 4,755 |
| Return on Equity (ROE) | 3.4026% | 4,793 |
| Retained earnings to average equity (ytd only) | 3.4026% | 3,489 |
| Net charge-offs to loans | 0.6404% | 3,100 |
| Credit loss provision to net charge-offs | 53.3333% | 6,213 |
| Earnings coverage of net charge-offs (x) | 1.6600% | 4,490 |
| Efficiency ratio | 81.6642% | 2,206 |
| Assets per employee ($millions) | 5.4530% | 1,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1400% | 5,783 |
| Loan loss allowance to noncurrent loans | 28.4483% | 6,388 |
| Noncurrent assets plus other real estate owned to assets | 3.3298% | 2,124 |
| Noncurrent loans to loans | 4.0074% | 1,809 |
| Net loans and leases to total assets | 59.9749% | 4,689 |
| Net loans and leases to deposits | 70.1314% | 4,802 |
| Net loans and leases to core deposits | 80.4647% | 4,142 |
| Total domestic deposits to total assets | 85.5178% | 3,589 |
| Equity capital to assets | 13.1356% | 1,328 |
| Core capital (leverage) ratio | 13.1379% | 1,084 |
| Tier 1 risk-based capital ratio | 25.7364% | 779 |
| Total risk-based capital ratio | 26.9835% | 756 |
| Memoranda: | ||
| Average total assets | $36,556,000 | 6,988 |
| Average earning assets | $33,427,400 | 6,968 |
| Average equity | $4,966,800 | 6,673 |
| Average total loans | $23,421,400 | 6,753 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1470% | 4,091 |
| Cost of funding earning assets | 1.5086% | 2,922 |
| Net interest margin | 3.6384% | 4,685 |
| Noninterest income to average assets | 0.4094% | 4,886 |
| Noninterest expense to average assets | 3.1422% | 3,137 |
| Loan and lease loss provision to assets | 0.2950% | 4,219 |
| Net operating income to assets | 0.2987% | 5,177 |
| Return on assets (ROA) | 0.2987% | 5,342 |
| Pretax return on assets | 0.2987% | 5,513 |
| Return on Equity (ROE) | 2.1796% | 5,543 |
| Retained earnings to average equity (ytd only) | 2.1796% | 4,866 |
| Net charge-offs to loans | 0.8401% | 2,353 |
| Credit loss provision to net charge-offs | 54.0541% | 5,822 |
| Earnings coverage of net charge-offs (x) | 1.0878% | 4,965 |
| Efficiency ratio | 84.1066% | 1,829 |
| Assets per employee ($millions) | 5.3451% | 1,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1357% | 5,783 |
| Loan loss allowance to noncurrent loans | 32.2034% | 6,189 |
| Noncurrent assets plus other real estate owned to assets | 3.1270% | 2,309 |
| Noncurrent loans to loans | 3.5266% | 2,235 |
| Net loans and leases to total assets | 61.8880% | 4,556 |
| Net loans and leases to deposits | 72.4712% | 4,765 |
| Net loans and leases to core deposits | 82.4409% | 4,179 |
| Total domestic deposits to total assets | 85.3966% | 3,408 |
| Equity capital to assets | 13.2457% | 1,476 |
| Core capital (leverage) ratio | 13.2457% | 1,135 |
| Tier 1 risk-based capital ratio | 25.2870% | 842 |
| Total risk-based capital ratio | 26.5371% | 819 |
| Memoranda: | ||
| Average total assets | $36,152,250 | 7,090 |
| Average earning assets | $33,053,750 | 7,063 |
| Average equity | $4,955,000 | 6,766 |
| Average total loans | $23,487,500 | 6,843 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0244% | 4,827 |
| Cost of funding earning assets | 1.5686% | 2,846 |
| Net interest margin | 3.4558% | 5,424 |
| Noninterest income to average assets | 0.4086% | 4,840 |
| Noninterest expense to average assets | 2.9946% | 3,732 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.5709% | 3,988 |
| Return on assets (ROA) | 0.5709% | 4,137 |
| Pretax return on assets | 0.5709% | 4,665 |
| Return on Equity (ROE) | 4.1173% | 4,726 |
| Retained earnings to average equity (ytd only) | 4.1173% | 3,453 |
| Net charge-offs to loans | 1.2591% | 1,516 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 0.6892% | 5,056 |
| Efficiency ratio | 83.9874% | 1,922 |
| Assets per employee ($millions) | 5.2831% | 1,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9660% | 6,543 |
| Loan loss allowance to noncurrent loans | 43.4783% | 5,413 |
| Noncurrent assets plus other real estate owned to assets | 2.6580% | 2,711 |
| Noncurrent loans to loans | 2.2218% | 3,458 |
| Net loans and leases to total assets | 63.7607% | 4,307 |
| Net loans and leases to deposits | 74.8191% | 4,543 |
| Net loans and leases to core deposits | 82.5515% | 4,337 |
| Total domestic deposits to total assets | 85.2198% | 3,511 |
| Equity capital to assets | 13.4579% | 1,361 |
| Core capital (leverage) ratio | 13.4579% | 1,071 |
| Tier 1 risk-based capital ratio | 25.3244% | 822 |
| Total risk-based capital ratio | 26.4947% | 808 |
| Memoranda: | ||
| Average total assets | $35,731,000 | 7,150 |
| Average earning assets | $32,640,670 | 7,128 |
| Average equity | $4,954,670 | 6,792 |
| Average total loans | $23,509,330 | 6,890 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2759% | 3,659 |
| Cost of funding earning assets | 1.5753% | 3,102 |
| Net interest margin | 3.7006% | 4,238 |
| Noninterest income to average assets | 0.3076% | 5,683 |
| Noninterest expense to average assets | 3.2018% | 2,855 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.4786% | 4,499 |
| Return on assets (ROA) | 0.4786% | 4,627 |
| Pretax return on assets | 0.4786% | 5,035 |
| Return on Equity (ROE) | 3.3984% | 5,168 |
| Retained earnings to average equity (ytd only) | 3.3984% | 4,121 |
| Net charge-offs to loans | 0.0856% | 4,565 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 8.4000% | 1,961 |
| Efficiency ratio | 86.9969% | 1,685 |
| Assets per employee ($millions) | 5.1913% | 1,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6122% | 3,387 |
| Loan loss allowance to noncurrent loans | 44.5107% | 5,391 |
| Noncurrent assets plus other real estate owned to assets | 3.9021% | 1,770 |
| Noncurrent loans to loans | 3.6221% | 2,195 |
| Net loans and leases to total assets | 62.6407% | 4,631 |
| Net loans and leases to deposits | 73.5691% | 4,812 |
| Net loans and leases to core deposits | 81.2906% | 4,582 |
| Total domestic deposits to total assets | 85.1454% | 3,587 |
| Equity capital to assets | 13.5309% | 1,309 |
| Core capital (leverage) ratio | 13.5309% | 1,078 |
| Tier 1 risk-based capital ratio | 24.8208% | 888 |
| Total risk-based capital ratio | 26.0727% | 861 |
| Memoranda: | ||
| Average total assets | $35,105,500 | 7,267 |
| Average earning assets | $31,994,500 | 7,253 |
| Average equity | $4,943,500 | 6,864 |
| Average total loans | $23,359,000 | 6,977 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7967% | 2,669 |
| Cost of funding earning assets | 2.1044% | 2,435 |
| Net interest margin | 3.6923% | 4,178 |
| Noninterest income to average assets | 0.3846% | 5,340 |
| Noninterest expense to average assets | 2.9084% | 4,509 |
| Loan and lease loss provision to assets | 0.3225% | 4,880 |
| Net operating income to assets | 0.5477% | 3,538 |
| Return on assets (ROA) | 0.5059% | 3,800 |
| Pretax return on assets | 0.5355% | 4,092 |
| Return on Equity (ROE) | 3.4755% | 4,299 |
| Retained earnings to average equity (ytd only) | 3.4755% | 2,738 |
| Net charge-offs to loans | 0.7342% | 2,988 |
| Credit loss provision to net charge-offs | 61.9318% | 6,620 |
| Earnings coverage of net charge-offs (x) | 1.7330% | 4,429 |
| Efficiency ratio | 76.3199% | 3,474 |
| Assets per employee ($millions) | 4.8389% | 2,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2764% | 4,894 |
| Loan loss allowance to noncurrent loans | 27.7932% | 6,619 |
| Noncurrent assets plus other real estate owned to assets | 4.9510% | 1,255 |
| Noncurrent loans to loans | 4.5925% | 1,536 |
| Net loans and leases to total assets | 68.7323% | 3,541 |
| Net loans and leases to deposits | 82.0360% | 3,608 |
| Net loans and leases to core deposits | 109.3981% | 2,964 |
| Total domestic deposits to total assets | 83.7831% | 4,133 |
| Equity capital to assets | 14.6729% | 984 |
| Core capital (leverage) ratio | 14.6729% | 845 |
| Tier 1 risk-based capital ratio | 24.6822% | 884 |
| Total risk-based capital ratio | 25.9337% | 856 |
| Memoranda: | ||
| Average total assets | $33,798,400 | 7,333 |
| Average earning assets | $31,362,600 | 7,296 |
| Average equity | $4,920,200 | 6,974 |
| Average total loans | $23,973,000 | 6,974 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8505% | 2,661 |
| Cost of funding earning assets | 2.2421% | 2,220 |
| Net interest margin | 3.6084% | 4,449 |
| Noninterest income to average assets | 0.3947% | 5,339 |
| Noninterest expense to average assets | 2.9247% | 4,343 |
| Loan and lease loss provision to assets | 0.0355% | 7,001 |
| Net operating income to assets | 0.7736% | 2,920 |
| Return on assets (ROA) | 0.7736% | 2,982 |
| Pretax return on assets | 0.8012% | 3,539 |
| Return on Equity (ROE) | 5.3248% | 3,824 |
| Retained earnings to average equity (ytd only) | 5.3248% | 2,297 |
| Net charge-offs to loans | 0.7755% | 2,422 |
| Credit loss provision to net charge-offs | 6.4286% | 6,633 |
| Earnings coverage of net charge-offs (x) | 1.5143% | 4,648 |
| Efficiency ratio | 77.7545% | 3,206 |
| Assets per employee ($millions) | 4.7731% | 2,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0687% | 5,909 |
| Loan loss allowance to noncurrent loans | 28.9414% | 6,540 |
| Noncurrent assets plus other real estate owned to assets | 3.7651% | 1,724 |
| Noncurrent loans to loans | 3.6928% | 2,024 |
| Net loans and leases to total assets | 71.2020% | 3,224 |
| Net loans and leases to deposits | 85.2841% | 3,453 |
| Net loans and leases to core deposits | 109.3994% | 3,303 |
| Total domestic deposits to total assets | 83.4880% | 3,970 |
| Equity capital to assets | 14.9407% | 1,020 |
| Core capital (leverage) ratio | 14.9407% | 870 |
| Tier 1 risk-based capital ratio | 24.6958% | 926 |
| Total risk-based capital ratio | 25.9474% | 904 |
| Memoranda: | ||
| Average total assets | $33,780,000 | 7,390 |
| Average earning assets | $31,517,750 | 7,349 |
| Average equity | $4,907,750 | 7,038 |
| Average total loans | $24,070,750 | 7,023 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8045% | 3,021 |
| Cost of funding earning assets | 2.4437% | 1,805 |
| Net interest margin | 3.3608% | 5,316 |
| Noninterest income to average assets | 0.4011% | 5,273 |
| Noninterest expense to average assets | 2.9319% | 4,373 |
| Loan and lease loss provision to assets | 0.0531% | 6,697 |
| Net operating income to assets | 0.5309% | 3,980 |
| Return on assets (ROA) | 0.5309% | 4,088 |
| Pretax return on assets | 0.5722% | 4,399 |
| Return on Equity (ROE) | 3.6888% | 4,625 |
| Retained earnings to average equity (ytd only) | 3.6888% | 3,243 |
| Net charge-offs to loans | 0.6063% | 2,525 |
| Credit loss provision to net charge-offs | 12.3288% | 6,176 |
| Earnings coverage of net charge-offs (x) | 1.4521% | 4,445 |
| Efficiency ratio | 82.4212% | 2,675 |
| Assets per employee ($millions) | 4.8229% | 2,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3665% | 3,906 |
| Loan loss allowance to noncurrent loans | 28.8770% | 6,574 |
| Noncurrent assets plus other real estate owned to assets | 4.4342% | 1,273 |
| Noncurrent loans to loans | 4.7320% | 1,331 |
| Net loans and leases to total assets | 69.2743% | 3,885 |
| Net loans and leases to deposits | 82.5113% | 4,135 |
| Net loans and leases to core deposits | 104.8933% | 3,968 |
| Total domestic deposits to total assets | 83.9573% | 3,796 |
| Equity capital to assets | 14.5290% | 1,153 |
| Core capital (leverage) ratio | 14.5290% | 1,016 |
| Tier 1 risk-based capital ratio | 24.9048% | 950 |
| Total risk-based capital ratio | 26.1538% | 933 |
| Memoranda: | ||
| Average total assets | $33,902,670 | 7,453 |
| Average earning assets | $31,837,330 | 7,409 |
| Average equity | $4,879,670 | 7,104 |
| Average total loans | $24,078,670 | 7,078 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8919% | 2,836 |
| Cost of funding earning assets | 2.5394% | 1,770 |
| Net interest margin | 3.3525% | 5,316 |
| Noninterest income to average assets | 0.4239% | 5,011 |
| Noninterest expense to average assets | 2.8492% | 4,335 |
| Loan and lease loss provision to assets | 0.1060% | 5,613 |
| Net operating income to assets | 0.6240% | 3,920 |
| Return on assets (ROA) | 0.6240% | 4,100 |
| Pretax return on assets | 0.6240% | 4,679 |
| Return on Equity (ROE) | 4.3559% | 4,773 |
| Retained earnings to average equity (ytd only) | 4.3559% | 3,497 |
| Net charge-offs to loans | 0.5770% | 2,022 |
| Credit loss provision to net charge-offs | 25.7143% | 5,000 |
| Earnings coverage of net charge-offs (x) | 1.7714% | 3,846 |
| Efficiency ratio | 79.6053% | 2,887 |
| Assets per employee ($millions) | 4.9663% | 2,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4944% | 3,028 |
| Loan loss allowance to noncurrent loans | 32.7555% | 6,355 |
| Noncurrent assets plus other real estate owned to assets | 3.4518% | 1,565 |
| Noncurrent loans to loans | 4.5623% | 1,255 |
| Net loans and leases to total assets | 68.0704% | 4,124 |
| Net loans and leases to deposits | 86.3902% | 3,570 |
| Net loans and leases to core deposits | 108.0400% | 3,672 |
| Total domestic deposits to total assets | 78.7942% | 5,792 |
| Equity capital to assets | 14.0030% | 1,363 |
| Core capital (leverage) ratio | 14.0030% | 1,193 |
| Tier 1 risk-based capital ratio | 24.8761% | 994 |
| Total risk-based capital ratio | 26.1281% | 965 |
| Memoranda: | ||
| Average total assets | $33,974,000 | 7,492 |
| Average earning assets | $31,976,000 | 7,443 |
| Average equity | $4,867,000 | 7,164 |
| Average total loans | $24,262,500 | 7,117 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1495% | 4,778 |
| Cost of funding earning assets | 3.3141% | 885 |
| Net interest margin | 2.8353% | 7,275 |
| Noninterest income to average assets | 0.4056% | 5,423 |
| Noninterest expense to average assets | 2.7689% | 4,957 |
| Loan and lease loss provision to assets | 0.0441% | 6,863 |
| Net operating income to assets | 0.3204% | 5,477 |
| Return on assets (ROA) | 0.3204% | 5,297 |
| Pretax return on assets | 0.2557% | 5,616 |
| Return on Equity (ROE) | 2.2744% | 5,510 |
| Retained earnings to average equity (ytd only) | 2.2744% | 3,796 |
| Net charge-offs to loans | 0.5777% | 2,085 |
| Credit loss provision to net charge-offs | 10.2041% | 6,622 |
| Earnings coverage of net charge-offs (x) | 0.6939% | 5,808 |
| Efficiency ratio | 90.2299% | 1,499 |
| Assets per employee ($millions) | 4.7406% | 2,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5713% | 2,358 |
| Loan loss allowance to noncurrent loans | 33.5074% | 6,494 |
| Noncurrent assets plus other real estate owned to assets | 3.6614% | 1,194 |
| Noncurrent loans to loans | 4.6894% | 994 |
| Net loans and leases to total assets | 72.6766% | 3,441 |
| Net loans and leases to deposits | 93.6946% | 2,822 |
| Net loans and leases to core deposits | 114.1795% | 3,322 |
| Total domestic deposits to total assets | 77.5675% | 5,853 |
| Equity capital to assets | 14.6637% | 1,260 |
| Core capital (leverage) ratio | 14.6637% | 1,102 |
| Tier 1 risk-based capital ratio | 24.9206% | 992 |
| Total risk-based capital ratio | 26.1549% | 975 |
| Memoranda: | ||
| Average total assets | $34,021,000 | 7,457 |
| Average earning assets | $31,954,000 | 7,408 |
| Average equity | $4,792,400 | 7,209 |
| Average total loans | $25,447,600 | 6,996 |