Home > Global Innovations Bank > Performance and Condition Ratios
Global Innovations 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 | 4.4478% | 3,194 |
| Cost of funding earning assets | 0.7916% | 3,755 |
| Net interest margin | 3.6562% | 1,844 |
| Noninterest income to average assets | 4.7400% | 129 |
| Noninterest expense to average assets | 5.6814% | 184 |
| Loan and lease loss provision to assets | 0.2900% | 373 |
| Net operating income to assets | 0.8785% | 2,610 |
| Return on assets (ROA) | 0.9206% | 2,456 |
| Pretax return on assets | 1.2458% | 2,016 |
| Return on Equity (ROE) | 7.3000% | 3,210 |
| Retained earnings to average equity (ytd only) | 5.0000% | 2,608 |
| Net charge-offs to loans | 0.4908% | 211 |
| Credit loss provision to net charge-offs | 155.3398% | 1,445 |
| Earnings coverage of net charge-offs (x) | 7.8544% | 2,378 |
| Efficiency ratio | 79.2617% | 964 |
| Assets per employee ($millions) | 2.9441% | 4,389 |
| Cash dividends to net income (ytd only)* | 31.5369% | 2,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2410% | 2,064 |
| Loan loss allowance to noncurrent loans | 1,165.5172% | 811 |
| Noncurrent assets plus other real estate owned to assets | 0.0493% | 3,271 |
| Noncurrent loans to loans | 0.1065% | 3,004 |
| Net loans and leases to total assets | 45.6800% | 3,825 |
| Net loans and leases to deposits | 52.9883% | 3,835 |
| Net loans and leases to core deposits | 53.8950% | 3,977 |
| Total domestic deposits to total assets | 86.2100% | 1,947 |
| Equity capital to assets | 13.2638% | 810 |
| Core capital (leverage) ratio | 14.4922% | 707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.4487% | 265 |
| Memoranda: | ||
| Average total assets | $54,423,400 | 4,267 |
| Average earning assets | $36,130,400 | 4,373 |
| Average equity | $6,860,000 | 4,063 |
| Average total loans | $20,986,000 | 4,282 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2679% | 3,346 |
| Cost of funding earning assets | 0.7138% | 3,735 |
| Net interest margin | 3.5540% | 2,102 |
| Noninterest income to average assets | 4.7300% | 129 |
| Noninterest expense to average assets | 5.3473% | 206 |
| Loan and lease loss provision to assets | 0.3200% | 280 |
| Net operating income to assets | 1.0644% | 2,171 |
| Return on assets (ROA) | 1.0980% | 2,047 |
| Pretax return on assets | 1.4656% | 1,645 |
| Return on Equity (ROE) | 8.8400% | 2,969 |
| Retained earnings to average equity (ytd only) | 8.8383% | 1,728 |
| Net charge-offs to loans | 0.7551% | 120 |
| Credit loss provision to net charge-offs | 115.4545% | 1,512 |
| Earnings coverage of net charge-offs (x) | 6.3273% | 2,301 |
| Efficiency ratio | 75.4411% | 1,227 |
| Assets per employee ($millions) | 3.0809% | 4,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3363% | 1,712 |
| Loan loss allowance to noncurrent loans | 1,490.0000% | 651 |
| Noncurrent assets plus other real estate owned to assets | 0.0361% | 3,439 |
| Noncurrent loans to loans | 0.0897% | 3,136 |
| Net loans and leases to total assets | 39.6700% | 4,069 |
| Net loans and leases to deposits | 46.5178% | 4,040 |
| Net loans and leases to core deposits | 47.0249% | 4,108 |
| Total domestic deposits to total assets | 85.2900% | 2,417 |
| Equity capital to assets | 14.2056% | 617 |
| Core capital (leverage) ratio | 14.2762% | 759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.6910% | 184 |
| Memoranda: | ||
| Average total assets | $53,308,750 | 4,301 |
| Average earning assets | $35,301,750 | 4,402 |
| Average equity | $6,622,500 | 4,092 |
| Average total loans | $19,423,250 | 4,319 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8810% | 3,904 |
| Cost of funding earning assets | 0.6137% | 3,713 |
| Net interest margin | 3.2673% | 2,831 |
| Noninterest income to average assets | 4.8500% | 124 |
| Noninterest expense to average assets | 5.2479% | 206 |
| Loan and lease loss provision to assets | 0.4400% | 178 |
| Net operating income to assets | 0.9032% | 2,745 |
| Return on assets (ROA) | 0.9393% | 2,606 |
| Pretax return on assets | 1.3348% | 1,976 |
| Return on Equity (ROE) | 7.9600% | 3,241 |
| Retained earnings to average equity (ytd only) | 7.9626% | 1,976 |
| Net charge-offs to loans | 1.2023% | 70 |
| Credit loss provision to net charge-offs | 103.6036% | 1,416 |
| Earnings coverage of net charge-offs (x) | 4.0901% | 2,233 |
| Efficiency ratio | 75.2454% | 1,236 |
| Assets per employee ($millions) | 3.4357% | 4,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4574% | 1,320 |
| Loan loss allowance to noncurrent loans | 1,425.0000% | 748 |
| Noncurrent assets plus other real estate owned to assets | 0.0364% | 3,421 |
| Noncurrent loans to loans | 0.1023% | 2,977 |
| Net loans and leases to total assets | 35.0500% | 4,210 |
| Net loans and leases to deposits | 40.9260% | 4,189 |
| Net loans and leases to core deposits | 41.3795% | 4,232 |
| Total domestic deposits to total assets | 85.6500% | 2,348 |
| Equity capital to assets | 13.9710% | 650 |
| Core capital (leverage) ratio | 14.7406% | 623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.6505% | 155 |
| Memoranda: | ||
| Average total assets | $52,592,667 | 4,329 |
| Average earning assets | $34,217,667 | 4,431 |
| Average equity | $6,204,000 | 4,171 |
| Average total loans | $18,464,333 | 4,352 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5841% | 4,172 |
| Cost of funding earning assets | 0.4762% | 3,767 |
| Net interest margin | 3.1079% | 3,329 |
| Noninterest income to average assets | 4.9700% | 126 |
| Noninterest expense to average assets | 5.6261% | 195 |
| Loan and lease loss provision to assets | 0.8900% | 77 |
| Net operating income to assets | 0.2060% | 4,351 |
| Return on assets (ROA) | 0.2490% | 4,274 |
| Pretax return on assets | 0.4358% | 4,076 |
| Return on Equity (ROE) | 2.3400% | 4,258 |
| Retained earnings to average equity (ytd only) | 2.3417% | 3,640 |
| Net charge-offs to loans | 2.5001% | 34 |
| Credit loss provision to net charge-offs | 102.6786% | 1,099 |
| Earnings coverage of net charge-offs (x) | 1.4643% | 1,968 |
| Efficiency ratio | 81.5107% | 738 |
| Assets per employee ($millions) | 2.9289% | 4,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5647% | 1,082 |
| Loan loss allowance to noncurrent loans | 1,352.3810% | 787 |
| Noncurrent assets plus other real estate owned to assets | 0.0422% | 3,363 |
| Noncurrent loans to loans | 0.1157% | 2,942 |
| Net loans and leases to total assets | 35.8800% | 4,195 |
| Net loans and leases to deposits | 42.3064% | 4,156 |
| Net loans and leases to core deposits | 42.8277% | 4,205 |
| Total domestic deposits to total assets | 84.8100% | 2,902 |
| Equity capital to assets | 14.9823% | 487 |
| Core capital (leverage) ratio | 15.1218% | 560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.0346% | 146 |
| Memoranda: | ||
| Average total assets | $51,403,500 | 4,401 |
| Average earning assets | $31,918,500 | 4,522 |
| Average equity | $5,466,000 | 4,302 |
| Average total loans | $17,919,000 | 4,425 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9977% | 4,137 |
| Cost of funding earning assets | 0.2870% | 2,986 |
| Net interest margin | 2.7107% | 4,042 |
| Noninterest income to average assets | 3.3400% | 165 |
| Noninterest expense to average assets | 3.7377% | 407 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.2554% | 1,582 |
| Return on assets (ROA) | 1.2443% | 1,571 |
| Pretax return on assets | 1.6162% | 1,127 |
| Return on Equity (ROE) | 16.9800% | 864 |
| Retained earnings to average equity (ytd only) | 16.9762% | 176 |
| Net charge-offs to loans | -0.3786% | 4,686 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 69.6296% | 1,740 |
| Assets per employee ($millions) | 4.8195% | 3,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5886% | 997 |
| Loan loss allowance to noncurrent loans | 1,277.2727% | 824 |
| Noncurrent assets plus other real estate owned to assets | 0.0415% | 3,385 |
| Noncurrent loans to loans | 0.1244% | 2,893 |
| Net loans and leases to total assets | 32.8300% | 4,316 |
| Net loans and leases to deposits | 35.2048% | 4,362 |
| Net loans and leases to core deposits | 35.5731% | 4,380 |
| Total domestic deposits to total assets | 93.2700% | 350 |
| Equity capital to assets | 6.5491% | 3,882 |
| Core capital (leverage) ratio | 7.3931% | 4,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5870% | 577 |
| Memoranda: | ||
| Average total assets | $42,753,600 | 4,503 |
| Average earning assets | $32,057,600 | 4,551 |
| Average equity | $3,133,800 | 4,598 |
| Average total loans | $17,697,000 | 4,442 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8551% | 4,120 |
| Cost of funding earning assets | 0.2332% | 2,894 |
| Net interest margin | 2.6220% | 4,070 |
| Noninterest income to average assets | 2.5700% | 205 |
| Noninterest expense to average assets | 3.1086% | 774 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1476% | 1,901 |
| Return on assets (ROA) | 1.1214% | 1,968 |
| Pretax return on assets | 1.5593% | 1,233 |
| Return on Equity (ROE) | 14.7800% | 1,222 |
| Retained earnings to average equity (ytd only) | 14.7792% | 383 |
| Net charge-offs to loans | -0.4972% | 4,731 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 66.1256% | 2,264 |
| Assets per employee ($millions) | 4.6875% | 3,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6052% | 1,056 |
| Loan loss allowance to noncurrent loans | 583.3333% | 1,421 |
| Noncurrent assets plus other real estate owned to assets | 0.1024% | 2,934 |
| Noncurrent loans to loans | 0.2752% | 2,274 |
| Net loans and leases to total assets | 36.6100% | 4,200 |
| Net loans and leases to deposits | 39.4153% | 4,253 |
| Net loans and leases to core deposits | 39.8833% | 4,279 |
| Total domestic deposits to total assets | 92.8900% | 612 |
| Equity capital to assets | 6.9461% | 3,543 |
| Core capital (leverage) ratio | 6.8436% | 4,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3187% | 618 |
| Memoranda: | ||
| Average total assets | $40,188,250 | 4,560 |
| Average earning assets | $32,595,750 | 4,581 |
| Average equity | $3,049,250 | 4,648 |
| Average total loans | $17,699,250 | 4,474 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6744% | 4,179 |
| Cost of funding earning assets | 0.1842% | 3,124 |
| Net interest margin | 2.4902% | 4,098 |
| Noninterest income to average assets | 0.7376% | 1,209 |
| Noninterest expense to average assets | 2.8452% | 1,090 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.0873% | 4,521 |
| Return on assets (ROA) | 0.0369% | 4,530 |
| Pretax return on assets | 0.0422% | 4,520 |
| Return on Equity (ROE) | 0.4697% | 4,518 |
| Retained earnings to average equity (ytd only) | 0.4697% | 4,098 |
| Net charge-offs to loans | -0.7310% | 4,709 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6011% | 239 |
| Assets per employee ($millions) | 4.4138% | 4,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5388% | 1,304 |
| Loan loss allowance to noncurrent loans | 1,073.0769% | 894 |
| Noncurrent assets plus other real estate owned to assets | 0.0589% | 3,395 |
| Noncurrent loans to loans | 0.1434% | 2,985 |
| Net loans and leases to total assets | 40.4459% | 4,054 |
| Net loans and leases to deposits | 43.3838% | 4,138 |
| Net loans and leases to core deposits | 43.9272% | 4,191 |
| Total domestic deposits to total assets | 93.2281% | 459 |
| Equity capital to assets | 6.6791% | 3,945 |
| Core capital (leverage) ratio | 7.4254% | 4,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8977% | 868 |
| Memoranda: | ||
| Average total assets | $37,959,333 | 4,623 |
| Average earning assets | $33,652,333 | 4,627 |
| Average equity | $2,980,333 | 4,689 |
| Average total loans | $17,784,667 | 4,538 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5294% | 4,231 |
| Cost of funding earning assets | 0.1639% | 3,310 |
| Net interest margin | 2.3655% | 4,132 |
| Noninterest income to average assets | 0.7571% | 1,153 |
| Noninterest expense to average assets | 2.3975% | 2,178 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5042% | 3,705 |
| Return on assets (ROA) | 0.4588% | 3,781 |
| Pretax return on assets | 0.6194% | 3,583 |
| Return on Equity (ROE) | 5.3396% | 3,528 |
| Retained earnings to average equity (ytd only) | 5.3396% | 2,463 |
| Net charge-offs to loans | -0.0681% | 4,362 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9851% | 1,314 |
| Assets per employee ($millions) | 4.3863% | 4,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2591% | 2,552 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 48.4953% | 3,332 |
| Net loans and leases to deposits | 53.0952% | 3,484 |
| Net loans and leases to core deposits | 53.9503% | 3,596 |
| Total domestic deposits to total assets | 91.3366% | 871 |
| Equity capital to assets | 8.5437% | 3,119 |
| Core capital (leverage) ratio | 8.2259% | 4,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7826% | 789 |
| Memoranda: | ||
| Average total assets | $34,870,000 | 4,676 |
| Average earning assets | $34,158,000 | 4,648 |
| Average equity | $2,996,500 | 4,718 |
| Average total loans | $17,611,500 | 4,558 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2684% | 3,302 |
| Cost of funding earning assets | 0.2029% | 3,432 |
| Net interest margin | 3.0655% | 3,007 |
| Noninterest income to average assets | 1.1548% | 791 |
| Noninterest expense to average assets | 3.2201% | 704 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.6269% | 3,822 |
| Return on assets (ROA) | 0.6752% | 3,735 |
| Pretax return on assets | 0.9501% | 3,377 |
| Return on Equity (ROE) | 7.6694% | 3,326 |
| Retained earnings to average equity (ytd only) | 7.6694% | 1,669 |
| Net charge-offs to loans | 0.0058% | 2,372 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 291.0000% | 419 |
| Efficiency ratio | 78.3643% | 919 |
| Assets per employee ($millions) | 4.9500% | 3,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1896% | 2,931 |
| Loan loss allowance to noncurrent loans | 856.0000% | 961 |
| Noncurrent assets plus other real estate owned to assets | 0.0722% | 3,455 |
| Noncurrent loans to loans | 0.1390% | 3,236 |
| Net loans and leases to total assets | 51.2987% | 3,139 |
| Net loans and leases to deposits | 56.2251% | 3,397 |
| Net loans and leases to core deposits | 57.1415% | 3,539 |
| Total domestic deposits to total assets | 91.2381% | 408 |
| Equity capital to assets | 8.6436% | 3,944 |
| Core capital (leverage) ratio | 8.5084% | 3,911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2938% | 852 |
| Memoranda: | ||
| Average total assets | $32,732,400 | 4,726 |
| Average earning assets | $31,544,400 | 4,705 |
| Average equity | $2,881,600 | 4,770 |
| Average total loans | $17,104,600 | 4,612 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2755% | 3,449 |
| Cost of funding earning assets | 0.2109% | 3,507 |
| Net interest margin | 3.0646% | 3,141 |
| Noninterest income to average assets | 1.1285% | 893 |
| Noninterest expense to average assets | 3.1252% | 783 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6786% | 3,820 |
| Return on assets (ROA) | 0.7276% | 3,764 |
| Pretax return on assets | 1.0087% | 3,431 |
| Return on Equity (ROE) | 8.2243% | 3,338 |
| Retained earnings to average equity (ytd only) | 8.2243% | 1,985 |
| Net charge-offs to loans | 0.0158% | 1,762 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 114.5000% | 800 |
| Efficiency ratio | 76.7513% | 982 |
| Assets per employee ($millions) | 4.6990% | 3,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2624% | 2,666 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 50.6491% | 3,326 |
| Net loans and leases to deposits | 55.7676% | 3,595 |
| Net loans and leases to core deposits | 56.7265% | 3,720 |
| Total domestic deposits to total assets | 90.8218% | 426 |
| Equity capital to assets | 8.9776% | 3,853 |
| Core capital (leverage) ratio | 8.5041% | 4,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4450% | 892 |
| Memoranda: | ||
| Average total assets | $32,253,000 | 4,799 |
| Average earning assets | $30,976,500 | 4,781 |
| Average equity | $2,853,250 | 4,844 |
| Average total loans | $16,883,500 | 4,685 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1371% | 3,789 |
| Cost of funding earning assets | 0.2222% | 3,540 |
| Net interest margin | 2.9149% | 3,542 |
| Noninterest income to average assets | 1.1860% | 814 |
| Noninterest expense to average assets | 3.2709% | 642 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.4987% | 4,220 |
| Return on assets (ROA) | 0.5431% | 4,173 |
| Pretax return on assets | 0.7553% | 3,956 |
| Return on Equity (ROE) | 6.1702% | 3,863 |
| Retained earnings to average equity (ytd only) | 6.1702% | 2,736 |
| Net charge-offs to loans | 0.0237% | 1,473 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 56.0000% | 1,004 |
| Efficiency ratio | 82.3899% | 642 |
| Assets per employee ($millions) | 4.0841% | 4,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2081% | 2,884 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 53.3101% | 3,222 |
| Net loans and leases to deposits | 58.5735% | 3,493 |
| Net loans and leases to core deposits | 59.5833% | 3,652 |
| Total domestic deposits to total assets | 91.0140% | 372 |
| Equity capital to assets | 8.7687% | 3,999 |
| Core capital (leverage) ratio | 7.8724% | 4,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5651% | 879 |
| Memoranda: | ||
| Average total assets | $32,039,667 | 4,834 |
| Average earning assets | $30,601,333 | 4,811 |
| Average equity | $2,820,000 | 4,878 |
| Average total loans | $16,887,000 | 4,719 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7694% | 4,405 |
| Cost of funding earning assets | 0.2274% | 3,658 |
| Net interest margin | 2.5420% | 4,242 |
| Noninterest income to average assets | 1.0340% | 1,078 |
| Noninterest expense to average assets | 3.2658% | 638 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.1274% | 4,691 |
| Return on assets (ROA) | 0.2270% | 4,637 |
| Pretax return on assets | 0.2900% | 4,613 |
| Return on Equity (ROE) | 2.5737% | 4,543 |
| Retained earnings to average equity (ytd only) | 2.5737% | 3,901 |
| Net charge-offs to loans | 0.0484% | 1,010 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 6.5000% | 1,645 |
| Efficiency ratio | 95.2206% | 263 |
| Assets per employee ($millions) | 4.2015% | 4,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3026% | 2,424 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 48.0156% | 3,819 |
| Net loans and leases to deposits | 52.5016% | 4,022 |
| Net loans and leases to core deposits | 53.3732% | 4,127 |
| Total domestic deposits to total assets | 91.4554% | 253 |
| Equity capital to assets | 8.3155% | 4,261 |
| Core capital (leverage) ratio | 8.1771% | 4,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0953% | 913 |
| Memoranda: | ||
| Average total assets | $31,723,000 | 4,859 |
| Average earning assets | $29,898,000 | 4,841 |
| Average equity | $2,797,500 | 4,902 |
| Average total loans | $16,515,000 | 4,753 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2614% | 1,977 |
| Cost of funding earning assets | 0.2764% | 4,266 |
| Net interest margin | 3.9850% | 1,004 |
| Noninterest income to average assets | 1.5840% | 491 |
| Noninterest expense to average assets | 3.5153% | 678 |
| Loan and lease loss provision to assets | 0.1288% | 2,751 |
| Net operating income to assets | 1.2421% | 1,408 |
| Return on assets (ROA) | 1.2329% | 1,545 |
| Pretax return on assets | 1.6972% | 858 |
| Return on Equity (ROE) | 11.9480% | 1,335 |
| Retained earnings to average equity (ytd only) | 11.9480% | 318 |
| Net charge-offs to loans | -0.3375% | 4,926 |
| Credit loss provision to net charge-offs | -62.2642% | 3,699 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6706% | 2,584 |
| Assets per employee ($millions) | 4.2620% | 4,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2891% | 2,468 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 55.1820% | 3,374 |
| Net loans and leases to deposits | 61.0963% | 3,673 |
| Net loans and leases to core deposits | 62.2537% | 3,819 |
| Total domestic deposits to total assets | 90.3198% | 443 |
| Equity capital to assets | 9.3853% | 3,710 |
| Core capital (leverage) ratio | 9.0237% | 3,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4800% | 837 |
| Memoranda: | ||
| Average total assets | $25,630,600 | 4,904 |
| Average earning assets | $24,240,800 | 4,887 |
| Average equity | $2,644,800 | 4,929 |
| Average total loans | $15,704,600 | 4,790 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6042% | 1,292 |
| Cost of funding earning assets | 0.2832% | 4,377 |
| Net interest margin | 4.3211% | 559 |
| Noninterest income to average assets | 1.5351% | 497 |
| Noninterest expense to average assets | 3.3468% | 847 |
| Loan and lease loss provision to assets | 0.1790% | 2,199 |
| Net operating income to assets | 1.5434% | 825 |
| Return on assets (ROA) | 1.5134% | 960 |
| Pretax return on assets | 2.1101% | 402 |
| Return on Equity (ROE) | 14.2744% | 824 |
| Retained earnings to average equity (ytd only) | 14.2744% | 239 |
| Net charge-offs to loans | 0.0949% | 1,361 |
| Credit loss provision to net charge-offs | 300.0000% | 1,756 |
| Earnings coverage of net charge-offs (x) | 39.0000% | 1,376 |
| Efficiency ratio | 58.9866% | 3,522 |
| Assets per employee ($millions) | 3.7467% | 4,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9018% | 4,065 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 63.2707% | 2,851 |
| Net loans and leases to deposits | 70.9024% | 3,226 |
| Net loans and leases to core deposits | 70.9024% | 3,564 |
| Total domestic deposits to total assets | 89.2363% | 672 |
| Equity capital to assets | 10.5197% | 2,772 |
| Core capital (leverage) ratio | 9.4449% | 3,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2799% | 758 |
| Memoranda: | ||
| Average total assets | $24,579,750 | 4,946 |
| Average earning assets | $23,543,000 | 4,925 |
| Average equity | $2,606,000 | 4,960 |
| Average total loans | $15,461,250 | 4,828 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1389% | 639 |
| Cost of funding earning assets | 0.2792% | 4,538 |
| Net interest margin | 4.8597% | 259 |
| Noninterest income to average assets | 1.5147% | 456 |
| Noninterest expense to average assets | 3.4456% | 798 |
| Loan and lease loss provision to assets | 0.2746% | 1,560 |
| Net operating income to assets | 1.7439% | 565 |
| Return on assets (ROA) | 1.6978% | 678 |
| Pretax return on assets | 2.3720% | 266 |
| Return on Equity (ROE) | 15.9687% | 571 |
| Retained earnings to average equity (ytd only) | 15.9687% | 178 |
| Net charge-offs to loans | 0.1463% | 987 |
| Credit loss provision to net charge-offs | 300.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 29.5455% | 1,448 |
| Efficiency ratio | 56.0217% | 3,941 |
| Assets per employee ($millions) | 3.7253% | 4,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8872% | 4,044 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 64.6854% | 2,797 |
| Net loans and leases to deposits | 72.3545% | 3,223 |
| Net loans and leases to core deposits | 72.3545% | 3,570 |
| Total domestic deposits to total assets | 89.4006% | 612 |
| Equity capital to assets | 10.2964% | 2,929 |
| Core capital (leverage) ratio | 9.8350% | 2,990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1884% | 883 |
| Memoranda: | ||
| Average total assets | $24,030,667 | 4,980 |
| Average earning assets | $22,923,333 | 4,958 |
| Average equity | $2,555,000 | 4,994 |
| Average total loans | $15,033,333 | 4,864 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2669% | 3,012 |
| Cost of funding earning assets | 0.2943% | 4,673 |
| Net interest margin | 3.9726% | 1,466 |
| Noninterest income to average assets | 1.4082% | 450 |
| Noninterest expense to average assets | 3.5814% | 831 |
| Loan and lease loss provision to assets | 0.5737% | 488 |
| Net operating income to assets | 0.6379% | 3,483 |
| Return on assets (ROA) | 0.4868% | 3,984 |
| Pretax return on assets | 0.8171% | 3,368 |
| Return on Equity (ROE) | 4.4980% | 3,823 |
| Retained earnings to average equity (ytd only) | 4.4980% | 2,499 |
| Net charge-offs to loans | 0.3134% | 462 |
| Credit loss provision to net charge-offs | 300.0000% | 1,171 |
| Earnings coverage of net charge-offs (x) | 8.2727% | 1,870 |
| Efficiency ratio | 69.3603% | 2,455 |
| Assets per employee ($millions) | 3.1826% | 4,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0588% | 3,411 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 63.3360% | 3,145 |
| Net loans and leases to deposits | 71.6425% | 3,462 |
| Net loans and leases to core deposits | 71.6425% | 3,776 |
| Total domestic deposits to total assets | 88.4056% | 925 |
| Equity capital to assets | 11.2353% | 2,654 |
| Core capital (leverage) ratio | 9.6176% | 3,868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3594% | 1,261 |
| Memoranda: | ||
| Average total assets | $23,007,500 | 5,038 |
| Average earning assets | $21,749,000 | 5,015 |
| Average equity | $2,490,000 | 5,045 |
| Average total loans | $14,040,500 | 4,923 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2107% | 3,786 |
| Cost of funding earning assets | 0.3219% | 4,677 |
| Net interest margin | 3.8889% | 2,220 |
| Noninterest income to average assets | 1.0964% | 794 |
| Noninterest expense to average assets | 3.5559% | 898 |
| Loan and lease loss provision to assets | 0.0889% | 2,245 |
| Net operating income to assets | 0.9101% | 3,165 |
| Return on assets (ROA) | 1.0371% | 2,799 |
| Pretax return on assets | 1.2446% | 2,684 |
| Return on Equity (ROE) | 9.0090% | 2,754 |
| Retained earnings to average equity (ytd only) | 9.0090% | 706 |
| Net charge-offs to loans | 0.2382% | 860 |
| Credit loss provision to net charge-offs | 64.2857% | 2,983 |
| Earnings coverage of net charge-offs (x) | 8.5357% | 2,766 |
| Efficiency ratio | 75.0782% | 1,475 |
| Assets per employee ($millions) | 3.3954% | 4,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9334% | 3,825 |
| Loan loss allowance to noncurrent loans | 586.3636% | 853 |
| Noncurrent assets plus other real estate owned to assets | 0.1725% | 3,788 |
| Noncurrent loans to loans | 0.1592% | 3,891 |
| Net loans and leases to total assets | 57.6027% | 3,801 |
| Net loans and leases to deposits | 64.6442% | 4,031 |
| Net loans and leases to core deposits | 64.6442% | 4,253 |
| Total domestic deposits to total assets | 89.1072% | 627 |
| Equity capital to assets | 10.5520% | 3,396 |
| Core capital (leverage) ratio | 10.7714% | 2,699 |
| Tier 1 risk-based capital ratio | 16.3424% | 2,275 |
| Total risk-based capital ratio | 17.3077% | 2,331 |
| Memoranda: | ||
| Average total assets | $20,248,000 | 5,114 |
| Average earning assets | $18,951,600 | 5,100 |
| Average equity | $2,331,000 | 5,115 |
| Average total loans | $11,754,800 | 5,033 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2945% | 3,668 |
| Cost of funding earning assets | 0.3298% | 4,723 |
| Net interest margin | 3.9648% | 2,060 |
| Noninterest income to average assets | 1.1152% | 728 |
| Noninterest expense to average assets | 3.4558% | 1,002 |
| Loan and lease loss provision to assets | 0.0964% | 1,984 |
| Net operating income to assets | 1.0395% | 2,822 |
| Return on assets (ROA) | 1.0395% | 2,908 |
| Pretax return on assets | 1.2873% | 2,709 |
| Return on Equity (ROE) | 8.8042% | 2,955 |
| Retained earnings to average equity (ytd only) | 8.8042% | 1,099 |
| Net charge-offs to loans | 0.3322% | 520 |
| Credit loss provision to net charge-offs | 50.0000% | 2,792 |
| Earnings coverage of net charge-offs (x) | 7.1789% | 2,767 |
| Efficiency ratio | 71.4083% | 1,909 |
| Assets per employee ($millions) | 2.9223% | 4,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0297% | 3,402 |
| Loan loss allowance to noncurrent loans | 26.0417% | 4,560 |
| Noncurrent assets plus other real estate owned to assets | 2.4394% | 292 |
| Noncurrent loans to loans | 3.9542% | 174 |
| Net loans and leases to total assets | 58.7309% | 3,806 |
| Net loans and leases to deposits | 67.0686% | 3,992 |
| Net loans and leases to core deposits | 67.0686% | 4,212 |
| Total domestic deposits to total assets | 87.5684% | 1,230 |
| Equity capital to assets | 11.9671% | 2,286 |
| Core capital (leverage) ratio | 10.7536% | 2,889 |
| Tier 1 risk-based capital ratio | 17.9088% | 1,848 |
| Total risk-based capital ratio | 18.9603% | 1,855 |
| Memoranda: | ||
| Average total assets | $19,368,000 | 5,199 |
| Average earning assets | $18,193,250 | 5,184 |
| Average equity | $2,286,750 | 5,193 |
| Average total loans | $11,238,500 | 5,117 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1655% | 4,004 |
| Cost of funding earning assets | 0.3127% | 4,797 |
| Net interest margin | 3.8528% | 2,402 |
| Noninterest income to average assets | 0.8945% | 1,083 |
| Noninterest expense to average assets | 6.3035% | 131 |
| Loan and lease loss provision to assets | 0.1368% | 1,353 |
| Net operating income to assets | -1.1681% | 5,232 |
| Return on assets (ROA) | -1.1681% | 5,235 |
| Pretax return on assets | -1.9153% | 5,255 |
| Return on Equity (ROE) | -9.9418% | 5,242 |
| Retained earnings to average equity (ytd only) | -9.9418% | 5,178 |
| Net charge-offs to loans | 0.5302% | 294 |
| Credit loss provision to net charge-offs | 44.8276% | 2,509 |
| Earnings coverage of net charge-offs (x) | -5.8276% | 3,147 |
| Efficiency ratio | 139.3023% | 46 |
| Assets per employee ($millions) | 3.1508% | 4,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0415% | 3,385 |
| Loan loss allowance to noncurrent loans | 93.1818% | 3,435 |
| Noncurrent assets plus other real estate owned to assets | 0.7987% | 1,759 |
| Noncurrent loans to loans | 1.1177% | 1,460 |
| Net loans and leases to total assets | 61.8196% | 3,560 |
| Net loans and leases to deposits | 70.2724% | 3,820 |
| Net loans and leases to core deposits | 70.2724% | 4,098 |
| Total domestic deposits to total assets | 87.9714% | 1,114 |
| Equity capital to assets | 11.5419% | 2,576 |
| Core capital (leverage) ratio | 9.6703% | 3,963 |
| Tier 1 risk-based capital ratio | 16.2107% | 2,323 |
| Total risk-based capital ratio | 17.3436% | 2,317 |
| Memoranda: | ||
| Average total assets | $19,005,330 | 5,248 |
| Average earning assets | $17,909,000 | 5,233 |
| Average equity | $2,233,000 | 5,235 |
| Average total loans | $10,938,330 | 5,167 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9648% | 4,443 |
| Cost of funding earning assets | 0.3118% | 4,811 |
| Net interest margin | 3.6530% | 3,066 |
| Noninterest income to average assets | 0.6717% | 1,718 |
| Noninterest expense to average assets | 6.1505% | 131 |
| Loan and lease loss provision to assets | 0.2729% | 503 |
| Net operating income to assets | -1.2385% | 5,298 |
| Return on assets (ROA) | -1.2385% | 5,295 |
| Pretax return on assets | -2.3090% | 5,318 |
| Return on Equity (ROE) | -10.4494% | 5,297 |
| Retained earnings to average equity (ytd only) | -10.4494% | 5,123 |
| Net charge-offs to loans | 1.1807% | 105 |
| Credit loss provision to net charge-offs | 41.9355% | 2,014 |
| Earnings coverage of net charge-offs (x) | -3.1290% | 2,706 |
| Efficiency ratio | 149.4898% | 38 |
| Assets per employee ($millions) | 3.7156% | 4,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1837% | 2,675 |
| Loan loss allowance to noncurrent loans | 201.6667% | 2,168 |
| Noncurrent assets plus other real estate owned to assets | 0.4252% | 2,888 |
| Noncurrent loans to loans | 0.5870% | 2,575 |
| Net loans and leases to total assets | 54.3708% | 4,187 |
| Net loans and leases to deposits | 62.1371% | 4,296 |
| Net loans and leases to core deposits | 62.1371% | 4,464 |
| Total domestic deposits to total assets | 87.5013% | 1,570 |
| Equity capital to assets | 12.0088% | 2,014 |
| Core capital (leverage) ratio | 9.6701% | 3,949 |
| Tier 1 risk-based capital ratio | 17.8714% | 1,824 |
| Total risk-based capital ratio | 19.0518% | 1,809 |
| Memoranda: | ||
| Average total assets | $19,055,500 | 5,305 |
| Average earning assets | $17,958,000 | 5,288 |
| Average equity | $2,258,500 | 5,291 |
| Average total loans | $10,502,500 | 5,236 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6260% | 4,770 |
| Cost of funding earning assets | 0.2953% | 4,591 |
| Net interest margin | 3.3306% | 4,179 |
| Noninterest income to average assets | 0.7986% | 1,449 |
| Noninterest expense to average assets | 5.2090% | 180 |
| Loan and lease loss provision to assets | 4.8278% | 7 |
| Net operating income to assets | -4.3950% | 5,391 |
| Return on assets (ROA) | -4.3950% | 5,390 |
| Pretax return on assets | -6.1004% | 5,400 |
| Return on Equity (ROE) | -40.7978% | 5,393 |
| Retained earnings to average equity (ytd only) | -40.7978% | 5,392 |
| Net charge-offs to loans | 8.2205% | 6 |
| Credit loss provision to net charge-offs | 103.8803% | 2,445 |
| Earnings coverage of net charge-offs (x) | -0.2738% | 3,723 |
| Efficiency ratio | 132.3298% | 38 |
| Assets per employee ($millions) | 3.2555% | 4,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2891% | 2,100 |
| Loan loss allowance to noncurrent loans | 631.8182% | 894 |
| Noncurrent assets plus other real estate owned to assets | 0.2099% | 3,779 |
| Noncurrent loans to loans | 0.2040% | 3,849 |
| Net loans and leases to total assets | 54.4924% | 4,246 |
| Net loans and leases to deposits | 62.0388% | 4,373 |
| Net loans and leases to core deposits | 62.0388% | 4,536 |
| Total domestic deposits to total assets | 87.8360% | 1,377 |
| Equity capital to assets | 11.7033% | 2,094 |
| Core capital (leverage) ratio | 10.3642% | 3,183 |
| Tier 1 risk-based capital ratio | 18.4295% | 1,635 |
| Total risk-based capital ratio | 19.6734% | 1,592 |
| Memoranda: | ||
| Average total assets | $19,408,600 | 5,349 |
| Average earning assets | $18,284,800 | 5,333 |
| Average equity | $2,090,800 | 5,350 |
| Average total loans | $10,972,600 | 5,268 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4718% | 4,955 |
| Cost of funding earning assets | 0.2991% | 4,526 |
| Net interest margin | 3.1728% | 4,568 |
| Noninterest income to average assets | 0.8326% | 1,370 |
| Noninterest expense to average assets | 5.1467% | 187 |
| Loan and lease loss provision to assets | 6.4472% | 4 |
| Net operating income to assets | -5.5527% | 5,468 |
| Return on assets (ROA) | -5.5527% | 5,468 |
| Pretax return on assets | -7.7682% | 5,473 |
| Return on Equity (ROE) | -52.6920% | 5,470 |
| Retained earnings to average equity (ytd only) | -52.6920% | 5,467 |
| Net charge-offs to loans | 11.2399% | 4 |
| Credit loss provision to net charge-offs | 100.8611% | 2,241 |
| Earnings coverage of net charge-offs (x) | -0.2067% | 3,425 |
| Efficiency ratio | 134.5324% | 35 |
| Assets per employee ($millions) | 3.1712% | 4,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0184% | 3,646 |
| Loan loss allowance to noncurrent loans | 17.2840% | 4,887 |
| Noncurrent assets plus other real estate owned to assets | 3.5055% | 162 |
| Noncurrent loans to loans | 5.8920% | 86 |
| Net loans and leases to total assets | 57.2134% | 4,112 |
| Net loans and leases to deposits | 65.5388% | 4,234 |
| Net loans and leases to core deposits | 65.5388% | 4,426 |
| Total domestic deposits to total assets | 87.2970% | 1,597 |
| Equity capital to assets | 12.2352% | 1,749 |
| Core capital (leverage) ratio | 10.6049% | 2,974 |
| Tier 1 risk-based capital ratio | 20.0402% | 1,328 |
| Total risk-based capital ratio | 21.1652% | 1,318 |
| Memoranda: | ||
| Average total assets | $19,377,500 | 5,419 |
| Average earning assets | $18,280,250 | 5,403 |
| Average equity | $2,042,000 | 5,424 |
| Average total loans | $11,020,000 | 5,330 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4253% | 5,009 |
| Cost of funding earning assets | 0.2917% | 4,476 |
| Net interest margin | 3.1336% | 4,655 |
| Noninterest income to average assets | 0.8208% | 1,412 |
| Noninterest expense to average assets | 5.1707% | 192 |
| Loan and lease loss provision to assets | 2.9137% | 21 |
| Net operating income to assets | -4.0832% | 5,529 |
| Return on assets (ROA) | -4.0832% | 5,526 |
| Pretax return on assets | -4.2884% | 5,525 |
| Return on Equity (ROE) | -40.8903% | 5,528 |
| Retained earnings to average equity (ytd only) | -40.8903% | 5,523 |
| Net charge-offs to loans | 5.0057% | 17 |
| Credit loss provision to net charge-offs | 102.8986% | 1,976 |
| Earnings coverage of net charge-offs (x) | -0.4855% | 3,151 |
| Efficiency ratio | 136.2162% | 42 |
| Assets per employee ($millions) | 2.8663% | 5,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9788% | 3,963 |
| Loan loss allowance to noncurrent loans | 8.4848% | 4,952 |
| Noncurrent assets plus other real estate owned to assets | 6.5789% | 45 |
| Noncurrent loans to loans | 11.5354% | 23 |
| Net loans and leases to total assets | 56.4743% | 4,124 |
| Net loans and leases to deposits | 62.8209% | 4,370 |
| Net loans and leases to core deposits | 66.2903% | 4,355 |
| Total domestic deposits to total assets | 89.8973% | 607 |
| Equity capital to assets | 9.6691% | 3,943 |
| Core capital (leverage) ratio | 9.6509% | 3,942 |
| Tier 1 risk-based capital ratio | 21.7962% | 1,068 |
| Total risk-based capital ratio | 23.0404% | 1,044 |
| Memoranda: | ||
| Average total assets | $19,494,330 | 5,483 |
| Average earning assets | $18,509,330 | 5,466 |
| Average equity | $1,946,670 | 5,491 |
| Average total loans | $11,027,330 | 5,391 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2632% | 5,178 |
| Cost of funding earning assets | 0.2886% | 4,427 |
| Net interest margin | 2.9746% | 4,909 |
| Noninterest income to average assets | 0.2499% | 4,509 |
| Noninterest expense to average assets | 3.8731% | 610 |
| Loan and lease loss provision to assets | 5.7680% | 10 |
| Net operating income to assets | -6.1844% | 5,597 |
| Return on assets (ROA) | -6.1844% | 5,596 |
| Pretax return on assets | -6.6009% | 5,596 |
| Return on Equity (ROE) | -60.9231% | 5,598 |
| Retained earnings to average equity (ytd only) | -60.9231% | 5,595 |
| Net charge-offs to loans | 10.2038% | 5 |
| Credit loss provision to net charge-offs | 100.3623% | 1,538 |
| Earnings coverage of net charge-offs (x) | -0.1449% | 2,660 |
| Efficiency ratio | 127.3973% | 51 |
| Assets per employee ($millions) | 2.8731% | 5,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0327% | 3,766 |
| Loan loss allowance to noncurrent loans | 6.7007% | 5,012 |
| Noncurrent assets plus other real estate owned to assets | 7.9803% | 36 |
| Noncurrent loans to loans | 15.4111% | 7 |
| Net loans and leases to total assets | 50.0348% | 4,554 |
| Net loans and leases to deposits | 55.7785% | 4,706 |
| Net loans and leases to core deposits | 58.8583% | 4,707 |
| Total domestic deposits to total assets | 89.7027% | 781 |
| Equity capital to assets | 10.1780% | 3,417 |
| Core capital (leverage) ratio | 10.1659% | 3,342 |
| Tier 1 risk-based capital ratio | 21.0308% | 1,201 |
| Total risk-based capital ratio | 22.1197% | 1,196 |
| Memoranda: | ||
| Average total assets | $19,209,500 | 5,549 |
| Average earning assets | $18,019,000 | 5,532 |
| Average equity | $1,950,000 | 5,549 |
| Average total loans | $10,819,500 | 5,457 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0267% | 3,320 |
| Cost of funding earning assets | 0.2621% | 4,462 |
| Net interest margin | 3.7646% | 2,548 |
| Noninterest income to average assets | 0.3432% | 4,007 |
| Noninterest expense to average assets | 2.9231% | 2,378 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9190% | 2,603 |
| Return on assets (ROA) | 0.9190% | 2,636 |
| Pretax return on assets | 0.9190% | 3,845 |
| Return on Equity (ROE) | 9.3511% | 2,154 |
| Retained earnings to average equity (ytd only) | 6.6471% | 1,208 |
| Net charge-offs to loans | -0.0520% | 5,202 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0807% | 1,604 |
| Assets per employee ($millions) | 3.6614% | 4,492 |
| Cash dividends to net income (ytd only)* | 28.9157% | 3,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9066% | 4,448 |
| Loan loss allowance to noncurrent loans | 400.0000% | 1,320 |
| Noncurrent assets plus other real estate owned to assets | 0.3496% | 3,466 |
| Noncurrent loans to loans | 0.2267% | 3,995 |
| Net loans and leases to total assets | 62.0910% | 3,611 |
| Net loans and leases to deposits | 69.1928% | 3,934 |
| Net loans and leases to core deposits | 73.4113% | 3,930 |
| Total domestic deposits to total assets | 89.7362% | 662 |
| Equity capital to assets | 10.1218% | 3,572 |
| Core capital (leverage) ratio | 10.3440% | 3,023 |
| Tier 1 risk-based capital ratio | 17.9080% | 1,825 |
| Total risk-based capital ratio | 18.9285% | 1,844 |
| Memoranda: | ||
| Average total assets | $18,062,800 | 5,619 |
| Average earning assets | $16,787,800 | 5,605 |
| Average equity | $1,775,200 | 5,626 |
| Average total loans | $11,531,000 | 5,510 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8983% | 3,684 |
| Cost of funding earning assets | 0.2551% | 4,519 |
| Net interest margin | 3.6432% | 2,984 |
| Noninterest income to average assets | 0.1778% | 5,127 |
| Noninterest expense to average assets | 2.7922% | 2,753 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7703% | 3,646 |
| Return on assets (ROA) | 0.7703% | 3,700 |
| Pretax return on assets | 0.7703% | 4,428 |
| Return on Equity (ROE) | 7.8975% | 3,176 |
| Retained earnings to average equity (ytd only) | 4.2523% | 3,370 |
| Net charge-offs to loans | -0.0578% | 5,211 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3784% | 1,277 |
| Assets per employee ($millions) | 3.4318% | 4,827 |
| Cash dividends to net income (ytd only)* | 46.1561% | 1,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8982% | 4,576 |
| Loan loss allowance to noncurrent loans | 381.4815% | 1,318 |
| Noncurrent assets plus other real estate owned to assets | 0.3788% | 3,511 |
| Noncurrent loans to loans | 0.2354% | 4,118 |
| Net loans and leases to total assets | 66.2335% | 3,071 |
| Net loans and leases to deposits | 74.0487% | 3,557 |
| Net loans and leases to core deposits | 78.9017% | 3,549 |
| Total domestic deposits to total assets | 89.4458% | 677 |
| Equity capital to assets | 10.4144% | 3,461 |
| Core capital (leverage) ratio | 10.1708% | 3,350 |
| Tier 1 risk-based capital ratio | 17.7564% | 1,927 |
| Total risk-based capital ratio | 18.7974% | 1,938 |
| Memoranda: | ||
| Average total assets | $18,001,750 | 5,683 |
| Average earning assets | $16,724,750 | 5,673 |
| Average equity | $1,755,750 | 5,695 |
| Average total loans | $11,546,000 | 5,570 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6797% | 4,286 |
| Cost of funding earning assets | 0.2469% | 4,564 |
| Net interest margin | 3.4328% | 3,657 |
| Noninterest income to average assets | 0.2297% | 4,862 |
| Noninterest expense to average assets | 2.7239% | 3,002 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7001% | 3,854 |
| Return on assets (ROA) | 0.7001% | 3,914 |
| Pretax return on assets | 0.7001% | 4,547 |
| Return on Equity (ROE) | 7.3339% | 3,375 |
| Retained earnings to average equity (ytd only) | 1.8335% | 4,515 |
| Net charge-offs to loans | -0.0518% | 5,186 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5527% | 1,267 |
| Assets per employee ($millions) | 2.8948% | 5,361 |
| Cash dividends to net income (ytd only)* | 75.0000% | 976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8553% | 4,802 |
| Loan loss allowance to noncurrent loans | 348.2759% | 1,398 |
| Noncurrent assets plus other real estate owned to assets | 0.3857% | 3,565 |
| Noncurrent loans to loans | 0.2456% | 4,149 |
| Net loans and leases to total assets | 67.4075% | 2,889 |
| Net loans and leases to deposits | 75.1091% | 3,442 |
| Net loans and leases to core deposits | 79.9508% | 3,423 |
| Total domestic deposits to total assets | 89.7461% | 622 |
| Equity capital to assets | 10.1215% | 3,770 |
| Core capital (leverage) ratio | 9.5813% | 4,039 |
| Tier 1 risk-based capital ratio | 16.8196% | 2,197 |
| Total risk-based capital ratio | 17.8055% | 2,251 |
| Memoranda: | ||
| Average total assets | $18,282,670 | 5,729 |
| Average earning assets | $17,012,330 | 5,718 |
| Average equity | $1,745,330 | 5,744 |
| Average total loans | $11,572,000 | 5,616 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7012% | 4,115 |
| Cost of funding earning assets | 0.2313% | 4,703 |
| Net interest margin | 3.4699% | 3,388 |
| Noninterest income to average assets | 0.4056% | 3,617 |
| Noninterest expense to average assets | 2.5614% | 3,617 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0459% | 2,088 |
| Return on assets (ROA) | 1.0459% | 2,139 |
| Pretax return on assets | 1.0459% | 3,176 |
| Return on Equity (ROE) | 11.2708% | 1,476 |
| Retained earnings to average equity (ytd only) | 5.9804% | 2,349 |
| Net charge-offs to loans | -0.0349% | 5,006 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0059% | 2,734 |
| Assets per employee ($millions) | 3.6420% | 4,584 |
| Cash dividends to net income (ytd only)* | 46.9388% | 1,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8955% | 4,772 |
| Loan loss allowance to noncurrent loans | 122.2222% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 0.6535% | 2,672 |
| Noncurrent loans to loans | 0.7327% | 2,667 |
| Net loans and leases to total assets | 60.1647% | 3,769 |
| Net loans and leases to deposits | 66.6870% | 4,114 |
| Net loans and leases to core deposits | 70.7523% | 4,091 |
| Total domestic deposits to total assets | 90.2197% | 571 |
| Equity capital to assets | 9.6485% | 4,128 |
| Core capital (leverage) ratio | 9.4951% | 4,126 |
| Tier 1 risk-based capital ratio | 17.1062% | 2,144 |
| Total risk-based capital ratio | 18.0840% | 2,206 |
| Memoranda: | ||
| Average total assets | $18,739,500 | 5,797 |
| Average earning assets | $17,291,500 | 5,781 |
| Average equity | $1,739,000 | 5,809 |
| Average total loans | $11,453,500 | 5,683 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9533% | 3,370 |
| Cost of funding earning assets | 0.2620% | 4,444 |
| Net interest margin | 3.6913% | 2,734 |
| Noninterest income to average assets | 0.0326% | 5,809 |
| Noninterest expense to average assets | 2.8019% | 3,017 |
| Loan and lease loss provision to assets | 0.0923% | 2,513 |
| Net operating income to assets | 0.5810% | 4,288 |
| Return on assets (ROA) | 0.5810% | 4,396 |
| Pretax return on assets | 0.5810% | 4,838 |
| Return on Equity (ROE) | 6.2079% | 3,883 |
| Retained earnings to average equity (ytd only) | 0.6962% | 5,047 |
| Net charge-offs to loans | 0.1235% | 2,028 |
| Credit loss provision to net charge-offs | 113.3333% | 2,321 |
| Earnings coverage of net charge-offs (x) | 8.2667% | 2,892 |
| Efficiency ratio | 80.6250% | 1,343 |
| Assets per employee ($millions) | 3.8538% | 4,218 |
| Cash dividends to net income (ytd only)* | 88.7850% | 621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8269% | 5,028 |
| Loan loss allowance to noncurrent loans | 306.2500% | 1,617 |
| Noncurrent assets plus other real estate owned to assets | 0.3633% | 3,826 |
| Noncurrent loans to loans | 0.2700% | 4,183 |
| Net loans and leases to total assets | 60.9995% | 3,731 |
| Net loans and leases to deposits | 67.0737% | 4,165 |
| Net loans and leases to core deposits | 67.0737% | 4,462 |
| Total domestic deposits to total assets | 90.9440% | 296 |
| Equity capital to assets | 8.9314% | 4,881 |
| Core capital (leverage) ratio | 9.3371% | 4,307 |
| Tier 1 risk-based capital ratio | 15.6078% | 2,701 |
| Total risk-based capital ratio | 16.5075% | 2,793 |
| Memoranda: | ||
| Average total assets | $18,416,000 | 5,852 |
| Average earning assets | $17,175,400 | 5,837 |
| Average equity | $1,723,600 | 5,868 |
| Average total loans | $12,145,800 | 5,726 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9906% | 3,261 |
| Cost of funding earning assets | 0.2655% | 4,439 |
| Net interest margin | 3.7250% | 2,619 |
| Noninterest income to average assets | -0.0513% | 5,952 |
| Noninterest expense to average assets | 2.6442% | 3,521 |
| Loan and lease loss provision to assets | 0.1245% | 1,871 |
| Net operating income to assets | 0.6739% | 3,992 |
| Return on assets (ROA) | 0.6739% | 4,108 |
| Pretax return on assets | 0.6739% | 4,679 |
| Return on Equity (ROE) | 7.1138% | 3,498 |
| Retained earnings to average equity (ytd only) | -0.1548% | 5,382 |
| Net charge-offs to loans | 0.1528% | 1,474 |
| Credit loss provision to net charge-offs | 121.4286% | 2,072 |
| Earnings coverage of net charge-offs (x) | 7.7841% | 2,842 |
| Efficiency ratio | 76.8085% | 1,860 |
| Assets per employee ($millions) | 3.5228% | 4,745 |
| Cash dividends to net income (ytd only)* | 102.1767% | 361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8349% | 5,090 |
| Loan loss allowance to noncurrent loans | 106.4516% | 3,488 |
| Noncurrent assets plus other real estate owned to assets | 0.5280% | 3,347 |
| Noncurrent loans to loans | 0.7843% | 2,717 |
| Net loans and leases to total assets | 66.7537% | 2,994 |
| Net loans and leases to deposits | 74.1409% | 3,582 |
| Net loans and leases to core deposits | 74.1409% | 3,986 |
| Total domestic deposits to total assets | 90.0363% | 471 |
| Equity capital to assets | 9.8331% | 4,321 |
| Core capital (leverage) ratio | 9.5074% | 4,172 |
| Tier 1 risk-based capital ratio | 16.6354% | 2,364 |
| Total risk-based capital ratio | 17.6128% | 2,420 |
| Memoranda: | ||
| Average total assets | $18,202,750 | 5,918 |
| Average earning assets | $17,073,250 | 5,900 |
| Average equity | $1,724,250 | 5,935 |
| Average total loans | $12,219,250 | 5,784 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9467% | 3,439 |
| Cost of funding earning assets | 0.2539% | 4,618 |
| Net interest margin | 3.6928% | 2,720 |
| Noninterest income to average assets | -0.0109% | 6,017 |
| Noninterest expense to average assets | 2.6523% | 3,543 |
| Loan and lease loss provision to assets | 0.1739% | 1,272 |
| Net operating income to assets | 0.6413% | 4,089 |
| Return on assets (ROA) | 0.6413% | 4,230 |
| Pretax return on assets | 0.6413% | 4,785 |
| Return on Equity (ROE) | 6.8538% | 3,626 |
| Retained earnings to average equity (ytd only) | -2.0910% | 5,554 |
| Net charge-offs to loans | 0.1621% | 1,363 |
| Credit loss provision to net charge-offs | 160.0000% | 1,528 |
| Earnings coverage of net charge-offs (x) | 7.5000% | 2,619 |
| Efficiency ratio | 76.4890% | 2,009 |
| Assets per employee ($millions) | 3.5516% | 4,676 |
| Cash dividends to net income (ytd only)* | 130.5085% | 281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8255% | 5,210 |
| Loan loss allowance to noncurrent loans | 139.7260% | 3,031 |
| Noncurrent assets plus other real estate owned to assets | 0.4111% | 3,856 |
| Noncurrent loans to loans | 0.5908% | 3,297 |
| Net loans and leases to total assets | 69.0055% | 2,626 |
| Net loans and leases to deposits | 76.5492% | 3,322 |
| Net loans and leases to core deposits | 76.5492% | 3,779 |
| Total domestic deposits to total assets | 90.1453% | 431 |
| Equity capital to assets | 9.7196% | 4,541 |
| Core capital (leverage) ratio | 9.2087% | 4,579 |
| Tier 1 risk-based capital ratio | 16.2372% | 2,532 |
| Total risk-based capital ratio | 17.2290% | 2,590 |
| Memoranda: | ||
| Average total assets | $18,399,000 | 5,994 |
| Average earning assets | $17,331,000 | 5,974 |
| Average equity | $1,721,670 | 6,011 |
| Average total loans | $12,340,000 | 5,860 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9070% | 3,568 |
| Cost of funding earning assets | 0.3180% | 3,971 |
| Net interest margin | 3.5890% | 3,128 |
| Noninterest income to average assets | -0.0427% | 6,095 |
| Noninterest expense to average assets | 2.4360% | 4,270 |
| Loan and lease loss provision to assets | 0.1282% | 1,662 |
| Net operating income to assets | 0.7693% | 3,400 |
| Return on assets (ROA) | 0.7693% | 3,506 |
| Pretax return on assets | 0.7693% | 4,309 |
| Return on Equity (ROE) | 8.3745% | 2,720 |
| Retained earnings to average equity (ytd only) | -5.5830% | 5,631 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0769% | 2,628 |
| Assets per employee ($millions) | 3.6602% | 4,543 |
| Cash dividends to net income (ytd only)* | 166.6667% | 329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8330% | 5,276 |
| Loan loss allowance to noncurrent loans | 143.6620% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 0.3880% | 4,037 |
| Noncurrent loans to loans | 0.5798% | 3,450 |
| Net loans and leases to total assets | 66.3516% | 2,894 |
| Net loans and leases to deposits | 73.2609% | 3,521 |
| Net loans and leases to core deposits | 73.2609% | 3,960 |
| Total domestic deposits to total assets | 90.5688% | 411 |
| Equity capital to assets | 9.3110% | 4,876 |
| Core capital (leverage) ratio | 8.7523% | 5,122 |
| Tier 1 risk-based capital ratio | 15.8924% | 2,737 |
| Total risk-based capital ratio | 16.8654% | 2,785 |
| Memoranda: | ||
| Average total assets | $18,719,500 | 6,051 |
| Average earning assets | $17,609,500 | 6,030 |
| Average equity | $1,719,500 | 6,072 |
| Average total loans | $12,332,000 | 5,912 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1436% | 2,760 |
| Cost of funding earning assets | 0.2666% | 4,625 |
| Net interest margin | 3.8770% | 2,107 |
| Noninterest income to average assets | -0.0940% | 6,145 |
| Noninterest expense to average assets | 2.5645% | 4,030 |
| Loan and lease loss provision to assets | 0.0627% | 3,047 |
| Net operating income to assets | 0.9245% | 2,728 |
| Return on assets (ROA) | 0.9245% | 2,823 |
| Pretax return on assets | 0.9245% | 3,751 |
| Return on Equity (ROE) | 10.9911% | 1,617 |
| Retained earnings to average equity (ytd only) | 10.9911% | 347 |
| Net charge-offs to loans | 0.0998% | 2,418 |
| Credit loss provision to net charge-offs | 92.3077% | 2,716 |
| Earnings coverage of net charge-offs (x) | 14.5385% | 2,282 |
| Efficiency ratio | 72.2059% | 2,873 |
| Assets per employee ($millions) | 3.8276% | 4,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7730% | 5,481 |
| Loan loss allowance to noncurrent loans | 252.6316% | 1,912 |
| Noncurrent assets plus other real estate owned to assets | 0.1986% | 4,800 |
| Noncurrent loans to loans | 0.3060% | 4,362 |
| Net loans and leases to total assets | 64.3902% | 3,214 |
| Net loans and leases to deposits | 70.9033% | 3,823 |
| Net loans and leases to core deposits | 70.9033% | 4,223 |
| Total domestic deposits to total assets | 90.8141% | 331 |
| Equity capital to assets | 9.0657% | 5,059 |
| Core capital (leverage) ratio | 9.0315% | 4,851 |
| Tier 1 risk-based capital ratio | 14.4583% | 3,465 |
| Total risk-based capital ratio | 15.2811% | 3,623 |
| Memoranda: | ||
| Average total assets | $19,146,200 | 6,104 |
| Average earning assets | $18,003,800 | 6,081 |
| Average equity | $1,610,400 | 6,137 |
| Average total loans | $13,031,200 | 5,953 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1640% | 2,700 |
| Cost of funding earning assets | 0.2663% | 4,700 |
| Net interest margin | 3.8978% | 2,040 |
| Noninterest income to average assets | -0.1950% | 6,250 |
| Noninterest expense to average assets | 2.5067% | 4,177 |
| Loan and lease loss provision to assets | 0.0766% | 2,658 |
| Net operating income to assets | 0.8913% | 2,999 |
| Return on assets (ROA) | 0.8913% | 3,085 |
| Pretax return on assets | 0.8913% | 4,009 |
| Return on Equity (ROE) | 10.8064% | 1,782 |
| Retained earnings to average equity (ytd only) | 10.8064% | 502 |
| Net charge-offs to loans | -0.0101% | 4,990 |
| Credit loss provision to net charge-offs | -1,100.0000% | 5,510 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1443% | 2,852 |
| Assets per employee ($millions) | 3.6442% | 4,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8385% | 5,415 |
| Loan loss allowance to noncurrent loans | 242.2222% | 1,916 |
| Noncurrent assets plus other real estate owned to assets | 0.2470% | 4,774 |
| Noncurrent loans to loans | 0.3462% | 4,373 |
| Net loans and leases to total assets | 70.7425% | 2,276 |
| Net loans and leases to deposits | 79.1332% | 2,976 |
| Net loans and leases to core deposits | 79.1332% | 3,497 |
| Total domestic deposits to total assets | 89.3968% | 819 |
| Equity capital to assets | 9.0280% | 5,284 |
| Core capital (leverage) ratio | 8.8234% | 5,214 |
| Tier 1 risk-based capital ratio | 14.6226% | 3,488 |
| Total risk-based capital ratio | 15.5962% | 3,574 |
| Memoranda: | ||
| Average total assets | $19,148,250 | 6,189 |
| Average earning assets | $18,027,000 | 6,167 |
| Average equity | $1,579,250 | 6,228 |
| Average total loans | $13,184,250 | 6,027 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1101% | 2,858 |
| Cost of funding earning assets | 0.2617% | 4,813 |
| Net interest margin | 3.8485% | 2,143 |
| Noninterest income to average assets | -0.0308% | 6,283 |
| Noninterest expense to average assets | 2.6211% | 3,845 |
| Loan and lease loss provision to assets | 0.1028% | 2,117 |
| Net operating income to assets | 0.8737% | 3,023 |
| Return on assets (ROA) | 0.8737% | 3,130 |
| Pretax return on assets | 0.8737% | 4,054 |
| Return on Equity (ROE) | 10.9161% | 1,711 |
| Retained earnings to average equity (ytd only) | 10.9161% | 516 |
| Net charge-offs to loans | -0.0151% | 5,064 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,349 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8571% | 2,868 |
| Assets per employee ($millions) | 3.1620% | 5,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8030% | 5,595 |
| Loan loss allowance to noncurrent loans | 144.0000% | 2,889 |
| Noncurrent assets plus other real estate owned to assets | 0.4375% | 4,173 |
| Noncurrent loans to loans | 0.5576% | 3,780 |
| Net loans and leases to total assets | 70.3247% | 2,269 |
| Net loans and leases to deposits | 77.7596% | 3,060 |
| Net loans and leases to core deposits | 77.7596% | 3,604 |
| Total domestic deposits to total assets | 90.4385% | 475 |
| Equity capital to assets | 8.4546% | 5,719 |
| Core capital (leverage) ratio | 8.2771% | 5,728 |
| Tier 1 risk-based capital ratio | 13.2895% | 4,354 |
| Total risk-based capital ratio | 14.1893% | 4,470 |
| Memoranda: | ||
| Average total assets | $19,457,330 | 6,261 |
| Average earning assets | $18,345,000 | 6,236 |
| Average equity | $1,557,330 | 6,305 |
| Average total loans | $13,246,000 | 6,090 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0168% | 3,174 |
| Cost of funding earning assets | 0.2578% | 4,931 |
| Net interest margin | 3.7590% | 2,400 |
| Noninterest income to average assets | -0.0203% | 6,352 |
| Noninterest expense to average assets | 2.7411% | 3,447 |
| Loan and lease loss provision to assets | 0.2030% | 903 |
| Net operating income to assets | 0.5888% | 4,328 |
| Return on assets (ROA) | 0.5888% | 4,427 |
| Pretax return on assets | 0.5888% | 4,946 |
| Return on Equity (ROE) | 7.5619% | 3,187 |
| Retained earnings to average equity (ytd only) | 7.5619% | 1,734 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5862% | 2,249 |
| Assets per employee ($millions) | 3.9286% | 4,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8233% | 5,636 |
| Loan loss allowance to noncurrent loans | 135.4430% | 2,996 |
| Noncurrent assets plus other real estate owned to assets | 0.4633% | 4,177 |
| Noncurrent loans to loans | 0.6079% | 3,752 |
| Net loans and leases to total assets | 65.6163% | 2,835 |
| Net loans and leases to deposits | 71.3282% | 3,613 |
| Net loans and leases to core deposits | 71.3282% | 4,032 |
| Total domestic deposits to total assets | 91.9921% | 145 |
| Equity capital to assets | 7.8858% | 6,071 |
| Core capital (leverage) ratio | 7.8661% | 6,004 |
| Tier 1 risk-based capital ratio | 12.5030% | 4,903 |
| Total risk-based capital ratio | 13.3723% | 5,072 |
| Memoranda: | ||
| Average total assets | $19,700,000 | 6,327 |
| Average earning assets | $18,622,000 | 6,300 |
| Average equity | $1,534,000 | 6,374 |
| Average total loans | $13,144,000 | 6,148 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0083% | 3,701 |
| Cost of funding earning assets | 0.2899% | 4,901 |
| Net interest margin | 3.7184% | 2,938 |
| Noninterest income to average assets | 0.3901% | 4,264 |
| Noninterest expense to average assets | 2.7617% | 3,630 |
| Loan and lease loss provision to assets | 0.1404% | 1,888 |
| Net operating income to assets | 0.9570% | 2,591 |
| Return on assets (ROA) | 0.9570% | 2,672 |
| Pretax return on assets | 0.9570% | 3,657 |
| Return on Equity (ROE) | 13.1900% | 1,093 |
| Retained earnings to average equity (ytd only) | 13.1900% | 212 |
| Net charge-offs to loans | -0.0164% | 5,663 |
| Credit loss provision to net charge-offs | -1,350.0000% | 5,940 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5633% | 3,285 |
| Assets per employee ($millions) | 3.2928% | 5,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7298% | 5,925 |
| Loan loss allowance to noncurrent loans | 220.4545% | 2,076 |
| Noncurrent assets plus other real estate owned to assets | 0.3239% | 4,748 |
| Noncurrent loans to loans | 0.3310% | 4,656 |
| Net loans and leases to total assets | 66.7865% | 2,760 |
| Net loans and leases to deposits | 72.4363% | 3,625 |
| Net loans and leases to core deposits | 72.4363% | 4,079 |
| Total domestic deposits to total assets | 92.2002% | 126 |
| Equity capital to assets | 7.6884% | 6,185 |
| Core capital (leverage) ratio | 7.8744% | 6,065 |
| Tier 1 risk-based capital ratio | 11.7941% | 5,492 |
| Total risk-based capital ratio | 12.5517% | 5,689 |
| Memoranda: | ||
| Average total assets | $19,227,600 | 6,424 |
| Average earning assets | $17,937,600 | 6,399 |
| Average equity | $1,395,000 | 6,471 |
| Average total loans | $12,158,800 | 6,248 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9387% | 4,014 |
| Cost of funding earning assets | 0.2932% | 4,948 |
| Net interest margin | 3.6455% | 3,241 |
| Noninterest income to average assets | 0.1466% | 6,040 |
| Noninterest expense to average assets | 2.7301% | 3,709 |
| Loan and lease loss provision to assets | 0.1816% | 1,353 |
| Net operating income to assets | 0.6214% | 4,346 |
| Return on assets (ROA) | 0.6214% | 4,441 |
| Pretax return on assets | 0.6214% | 4,964 |
| Return on Equity (ROE) | 8.6994% | 2,843 |
| Retained earnings to average equity (ytd only) | 8.6994% | 1,095 |
| Net charge-offs to loans | -0.0225% | 5,647 |
| Credit loss provision to net charge-offs | -1,300.0000% | 5,911 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2727% | 2,306 |
| Assets per employee ($millions) | 3.7402% | 4,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7717% | 5,943 |
| Loan loss allowance to noncurrent loans | 228.5714% | 1,943 |
| Noncurrent assets plus other real estate owned to assets | 0.5240% | 4,307 |
| Noncurrent loans to loans | 0.3376% | 4,886 |
| Net loans and leases to total assets | 66.0072% | 2,866 |
| Net loans and leases to deposits | 72.9766% | 3,566 |
| Net loans and leases to core deposits | 72.9766% | 4,053 |
| Total domestic deposits to total assets | 90.4497% | 548 |
| Equity capital to assets | 7.6146% | 6,283 |
| Core capital (leverage) ratio | 7.5600% | 6,256 |
| Tier 1 risk-based capital ratio | 13.0475% | 4,840 |
| Total risk-based capital ratio | 13.9327% | 4,960 |
| Memoranda: | ||
| Average total assets | $19,095,250 | 6,503 |
| Average earning assets | $17,738,250 | 6,478 |
| Average equity | $1,364,000 | 6,552 |
| Average total loans | $11,875,500 | 6,324 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8781% | 4,231 |
| Cost of funding earning assets | 0.2914% | 5,061 |
| Net interest margin | 3.5867% | 3,423 |
| Noninterest income to average assets | 0.3641% | 4,518 |
| Noninterest expense to average assets | 2.9126% | 3,120 |
| Loan and lease loss provision to assets | 0.2705% | 767 |
| Net operating income to assets | 0.5097% | 4,770 |
| Return on assets (ROA) | 0.5097% | 4,865 |
| Pretax return on assets | 0.5097% | 5,251 |
| Return on Equity (ROE) | 7.2917% | 3,473 |
| Retained earnings to average equity (ytd only) | 7.2917% | 1,621 |
| Net charge-offs to loans | -0.0171% | 5,488 |
| Credit loss provision to net charge-offs | -2,600.0000% | 5,849 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8732% | 2,185 |
| Assets per employee ($millions) | 3.1830% | 5,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7846% | 6,014 |
| Loan loss allowance to noncurrent loans | 95.9596% | 3,733 |
| Noncurrent assets plus other real estate owned to assets | 0.9006% | 3,292 |
| Noncurrent loans to loans | 0.8176% | 3,664 |
| Net loans and leases to total assets | 62.9019% | 3,257 |
| Net loans and leases to deposits | 67.9430% | 4,057 |
| Net loans and leases to core deposits | 67.9430% | 4,478 |
| Total domestic deposits to total assets | 92.5804% | 111 |
| Equity capital to assets | 7.2835% | 6,395 |
| Core capital (leverage) ratio | 7.2281% | 6,388 |
| Tier 1 risk-based capital ratio | 12.8818% | 4,991 |
| Total risk-based capital ratio | 13.7718% | 5,137 |
| Memoranda: | ||
| Average total assets | $19,226,670 | 6,566 |
| Average earning assets | $17,843,670 | 6,541 |
| Average equity | $1,344,000 | 6,618 |
| Average total loans | $11,687,330 | 6,391 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8776% | 4,187 |
| Cost of funding earning assets | 0.2914% | 5,160 |
| Net interest margin | 3.5862% | 3,308 |
| Noninterest income to average assets | 0.6013% | 2,728 |
| Noninterest expense to average assets | 2.9029% | 3,205 |
| Loan and lease loss provision to assets | 0.5391% | 260 |
| Net operating income to assets | 0.4769% | 4,801 |
| Return on assets (ROA) | 0.4769% | 4,878 |
| Pretax return on assets | 0.4769% | 5,237 |
| Return on Equity (ROE) | 6.9671% | 3,494 |
| Retained earnings to average equity (ytd only) | 6.9671% | 2,064 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0741% | 3,129 |
| Assets per employee ($millions) | 3.1735% | 5,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8780% | 5,934 |
| Loan loss allowance to noncurrent loans | 76.0000% | 4,296 |
| Noncurrent assets plus other real estate owned to assets | 1.0766% | 3,104 |
| Noncurrent loans to loans | 1.1553% | 3,121 |
| Net loans and leases to total assets | 56.3258% | 4,103 |
| Net loans and leases to deposits | 60.7236% | 4,687 |
| Net loans and leases to core deposits | 60.7236% | 4,975 |
| Total domestic deposits to total assets | 92.7577% | 138 |
| Equity capital to assets | 7.1162% | 6,416 |
| Core capital (leverage) ratio | 7.0390% | 6,460 |
| Tier 1 risk-based capital ratio | 13.1477% | 4,923 |
| Total risk-based capital ratio | 14.0695% | 5,056 |
| Memoranda: | ||
| Average total assets | $19,291,000 | 6,635 |
| Average earning assets | $17,846,000 | 6,611 |
| Average equity | $1,320,500 | 6,682 |
| Average total loans | $11,477,000 | 6,462 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9252% | 4,367 |
| Cost of funding earning assets | 0.3455% | 5,191 |
| Net interest margin | 3.5797% | 3,554 |
| Noninterest income to average assets | 0.3755% | 4,627 |
| Noninterest expense to average assets | 3.1259% | 2,653 |
| Loan and lease loss provision to assets | 0.1428% | 2,520 |
| Net operating income to assets | 0.4496% | 4,956 |
| Return on assets (ROA) | 0.4496% | 5,082 |
| Pretax return on assets | 0.4496% | 5,363 |
| Return on Equity (ROE) | 6.7891% | 3,680 |
| Retained earnings to average equity (ytd only) | 6.7891% | 1,530 |
| Net charge-offs to loans | 0.2339% | 2,580 |
| Credit loss provision to net charge-offs | 103.8462% | 2,336 |
| Earnings coverage of net charge-offs (x) | 4.3077% | 3,607 |
| Efficiency ratio | 84.0683% | 1,618 |
| Assets per employee ($millions) | 3.2568% | 5,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5604% | 6,512 |
| Loan loss allowance to noncurrent loans | 53.9683% | 5,098 |
| Noncurrent assets plus other real estate owned to assets | 1.0542% | 3,308 |
| Noncurrent loans to loans | 1.0384% | 3,434 |
| Net loans and leases to total assets | 61.7471% | 3,399 |
| Net loans and leases to deposits | 66.2130% | 4,274 |
| Net loans and leases to core deposits | 66.2130% | 4,678 |
| Total domestic deposits to total assets | 93.2552% | 114 |
| Equity capital to assets | 6.5810% | 6,558 |
| Core capital (leverage) ratio | 6.7098% | 6,570 |
| Tier 1 risk-based capital ratio | 11.7111% | 5,800 |
| Total risk-based capital ratio | 12.3304% | 6,073 |
| Memoranda: | ||
| Average total assets | $18,906,800 | 6,718 |
| Average earning assets | $17,655,200 | 6,689 |
| Average equity | $1,252,000 | 6,783 |
| Average total loans | $11,115,400 | 6,548 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9693% | 4,244 |
| Cost of funding earning assets | 0.3574% | 5,223 |
| Net interest margin | 3.6120% | 3,393 |
| Noninterest income to average assets | 0.5191% | 3,680 |
| Noninterest expense to average assets | 3.0936% | 2,676 |
| Loan and lease loss provision to assets | 0.1564% | 2,303 |
| Net operating income to assets | 0.6472% | 4,137 |
| Return on assets (ROA) | 0.6472% | 4,259 |
| Pretax return on assets | 0.6472% | 4,861 |
| Return on Equity (ROE) | 9.7571% | 2,279 |
| Retained earnings to average equity (ytd only) | 9.7571% | 840 |
| Net charge-offs to loans | 0.3315% | 1,884 |
| Credit loss provision to net charge-offs | 81.4815% | 2,814 |
| Earnings coverage of net charge-offs (x) | 4.1850% | 3,514 |
| Efficiency ratio | 79.3796% | 2,210 |
| Assets per employee ($millions) | 3.1235% | 5,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6175% | 6,541 |
| Loan loss allowance to noncurrent loans | 48.8189% | 5,274 |
| Noncurrent assets plus other real estate owned to assets | 1.2006% | 3,247 |
| Noncurrent loans to loans | 1.2649% | 3,287 |
| Net loans and leases to total assets | 53.2416% | 4,718 |
| Net loans and leases to deposits | 57.3053% | 5,251 |
| Net loans and leases to core deposits | 57.3053% | 5,509 |
| Total domestic deposits to total assets | 92.9086% | 130 |
| Equity capital to assets | 6.9100% | 6,573 |
| Core capital (leverage) ratio | 6.8751% | 6,610 |
| Tier 1 risk-based capital ratio | 13.5723% | 4,711 |
| Total risk-based capital ratio | 14.2241% | 5,091 |
| Memoranda: | ||
| Average total assets | $18,748,250 | 6,793 |
| Average earning assets | $17,534,000 | 6,768 |
| Average equity | $1,243,500 | 6,861 |
| Average total loans | $10,860,750 | 6,627 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9871% | 4,157 |
| Cost of funding earning assets | 0.3645% | 5,275 |
| Net interest margin | 3.6226% | 3,274 |
| Noninterest income to average assets | 0.6826% | 2,728 |
| Noninterest expense to average assets | 3.1999% | 2,355 |
| Loan and lease loss provision to assets | 0.2347% | 1,586 |
| Net operating income to assets | 0.6400% | 4,109 |
| Return on assets (ROA) | 0.6400% | 4,253 |
| Pretax return on assets | 0.6400% | 4,877 |
| Return on Equity (ROE) | 9.7853% | 2,283 |
| Retained earnings to average equity (ytd only) | 9.7853% | 893 |
| Net charge-offs to loans | 0.5209% | 1,266 |
| Credit loss provision to net charge-offs | 75.8621% | 2,706 |
| Earnings coverage of net charge-offs (x) | 2.8276% | 3,574 |
| Efficiency ratio | 78.5340% | 2,377 |
| Assets per employee ($millions) | 2.6324% | 6,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5566% | 6,658 |
| Loan loss allowance to noncurrent loans | 42.2535% | 5,528 |
| Noncurrent assets plus other real estate owned to assets | 1.3133% | 3,150 |
| Noncurrent loans to loans | 1.3173% | 3,353 |
| Net loans and leases to total assets | 58.1755% | 3,958 |
| Net loans and leases to deposits | 62.6095% | 4,669 |
| Net loans and leases to core deposits | 62.6095% | 5,046 |
| Total domestic deposits to total assets | 92.9180% | 129 |
| Equity capital to assets | 6.8866% | 6,622 |
| Core capital (leverage) ratio | 6.6822% | 6,676 |
| Tier 1 risk-based capital ratio | 13.2569% | 4,954 |
| Total risk-based capital ratio | 13.8877% | 5,343 |
| Memoranda: | ||
| Average total assets | $18,750,670 | 6,845 |
| Average earning assets | $17,556,670 | 6,813 |
| Average equity | $1,226,330 | 6,910 |
| Average total loans | $11,134,330 | 6,665 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9341% | 4,353 |
| Cost of funding earning assets | 0.3597% | 5,449 |
| Net interest margin | 3.5744% | 3,367 |
| Noninterest income to average assets | 0.8249% | 2,022 |
| Noninterest expense to average assets | 3.1725% | 2,443 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0152% | 2,163 |
| Return on assets (ROA) | 1.0152% | 2,280 |
| Pretax return on assets | 1.0152% | 3,279 |
| Return on Equity (ROE) | 15.9336% | 617 |
| Retained earnings to average equity (ytd only) | 15.9336% | 282 |
| Net charge-offs to loans | 0.4951% | 1,216 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 3.4286% | 2,768 |
| Efficiency ratio | 75.7576% | 2,963 |
| Assets per employee ($millions) | 3.2358% | 5,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5022% | 6,789 |
| Loan loss allowance to noncurrent loans | 28.0423% | 6,093 |
| Noncurrent assets plus other real estate owned to assets | 1.4885% | 3,029 |
| Noncurrent loans to loans | 1.7910% | 2,873 |
| Net loans and leases to total assets | 54.0819% | 4,401 |
| Net loans and leases to deposits | 58.0110% | 5,029 |
| Net loans and leases to core deposits | 58.0110% | 5,344 |
| Total domestic deposits to total assets | 93.2269% | 112 |
| Equity capital to assets | 6.5877% | 6,781 |
| Core capital (leverage) ratio | 6.7829% | 6,697 |
| Tier 1 risk-based capital ratio | 12.1356% | 5,831 |
| Total risk-based capital ratio | 12.6506% | 6,214 |
| Memoranda: | ||
| Average total assets | $18,912,500 | 6,918 |
| Average earning assets | $17,793,000 | 6,886 |
| Average equity | $1,205,000 | 6,981 |
| Average total loans | $11,311,500 | 6,726 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1252% | 4,854 |
| Cost of funding earning assets | 0.5230% | 5,045 |
| Net interest margin | 3.6022% | 4,073 |
| Noninterest income to average assets | -0.2037% | 6,960 |
| Noninterest expense to average assets | 3.3089% | 2,309 |
| Loan and lease loss provision to assets | 0.1652% | 3,544 |
| Net operating income to assets | -0.3028% | 6,444 |
| Return on assets (ROA) | -0.3028% | 6,497 |
| Pretax return on assets | -0.3028% | 6,477 |
| Return on Equity (ROE) | -4.8863% | 6,588 |
| Retained earnings to average equity (ytd only) | -4.8863% | 6,416 |
| Net charge-offs to loans | 0.5299% | 2,139 |
| Credit loss provision to net charge-offs | 51.7241% | 4,656 |
| Earnings coverage of net charge-offs (x) | -0.4310% | 5,652 |
| Efficiency ratio | 104.3403% | 436 |
| Assets per employee ($millions) | 3.0683% | 5,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5551% | 6,804 |
| Loan loss allowance to noncurrent loans | 12.3845% | 6,530 |
| Noncurrent assets plus other real estate owned to assets | 3.4818% | 1,303 |
| Noncurrent loans to loans | 4.4822% | 954 |
| Net loans and leases to total assets | 65.1983% | 2,678 |
| Net loans and leases to deposits | 69.6674% | 3,756 |
| Net loans and leases to core deposits | 69.6674% | 4,360 |
| Total domestic deposits to total assets | 93.5850% | 89 |
| Equity capital to assets | 6.1434% | 6,880 |
| Core capital (leverage) ratio | 6.0955% | 6,849 |
| Tier 1 risk-based capital ratio | 10.4108% | 6,586 |
| Total risk-based capital ratio | 11.0449% | 6,720 |
| Memoranda: | ||
| Average total assets | $18,163,400 | 6,988 |
| Average earning assets | $17,017,200 | 6,958 |
| Average equity | $1,125,600 | 7,053 |
| Average total loans | $10,945,600 | 6,811 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2747% | 4,560 |
| Cost of funding earning assets | 0.5452% | 5,127 |
| Net interest margin | 3.7295% | 3,660 |
| Noninterest income to average assets | 0.1841% | 6,203 |
| Noninterest expense to average assets | 3.8154% | 1,180 |
| Loan and lease loss provision to assets | 0.1105% | 4,188 |
| Net operating income to assets | -0.2652% | 6,544 |
| Return on assets (ROA) | -0.2652% | 6,611 |
| Pretax return on assets | -0.2652% | 6,579 |
| Return on Equity (ROE) | -4.2695% | 6,693 |
| Retained earnings to average equity (ytd only) | -4.2695% | 6,576 |
| Net charge-offs to loans | 0.4126% | 2,441 |
| Credit loss provision to net charge-offs | 45.4545% | 4,503 |
| Earnings coverage of net charge-offs (x) | -0.6364% | 5,524 |
| Efficiency ratio | 104.2254% | 416 |
| Assets per employee ($millions) | 2.8832% | 6,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7520% | 6,683 |
| Loan loss allowance to noncurrent loans | 28.5185% | 6,186 |
| Noncurrent assets plus other real estate owned to assets | 2.5204% | 2,097 |
| Noncurrent loans to loans | 2.6367% | 2,153 |
| Net loans and leases to total assets | 58.7491% | 3,999 |
| Net loans and leases to deposits | 62.9873% | 4,842 |
| Net loans and leases to core deposits | 62.9873% | 5,263 |
| Total domestic deposits to total assets | 93.2713% | 94 |
| Equity capital to assets | 6.4339% | 6,953 |
| Core capital (leverage) ratio | 6.1130% | 6,940 |
| Tier 1 risk-based capital ratio | 11.4580% | 6,247 |
| Total risk-based capital ratio | 12.2757% | 6,446 |
| Memoranda: | ||
| Average total assets | $18,101,750 | 7,082 |
| Average earning assets | $16,874,250 | 7,055 |
| Average equity | $1,124,250 | 7,149 |
| Average total loans | $10,664,500 | 6,915 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1106% | 5,285 |
| Cost of funding earning assets | 0.5822% | 5,054 |
| Net interest margin | 3.5284% | 4,558 |
| Noninterest income to average assets | 0.2722% | 5,629 |
| Noninterest expense to average assets | 3.4732% | 1,850 |
| Loan and lease loss provision to assets | 0.1633% | 3,468 |
| Net operating income to assets | -0.0653% | 6,397 |
| Return on assets (ROA) | -0.0653% | 6,513 |
| Pretax return on assets | -0.0653% | 6,493 |
| Return on Equity (ROE) | -1.0638% | 6,550 |
| Retained earnings to average equity (ytd only) | -1.0638% | 6,220 |
| Net charge-offs to loans | 0.6108% | 1,794 |
| Credit loss provision to net charge-offs | 45.4545% | 4,137 |
| Earnings coverage of net charge-offs (x) | 0.2727% | 4,943 |
| Efficiency ratio | 97.2561% | 644 |
| Assets per employee ($millions) | 2.9855% | 6,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6886% | 6,840 |
| Loan loss allowance to noncurrent loans | 31.1741% | 6,098 |
| Noncurrent assets plus other real estate owned to assets | 2.6182% | 2,115 |
| Noncurrent loans to loans | 2.2089% | 2,706 |
| Net loans and leases to total assets | 61.9941% | 3,437 |
| Net loans and leases to deposits | 66.4135% | 4,455 |
| Net loans and leases to core deposits | 66.4135% | 4,950 |
| Total domestic deposits to total assets | 93.3456% | 103 |
| Equity capital to assets | 6.3585% | 6,999 |
| Core capital (leverage) ratio | 6.0881% | 6,979 |
| Tier 1 risk-based capital ratio | 11.0900% | 6,456 |
| Total risk-based capital ratio | 11.8600% | 6,642 |
| Memoranda: | ||
| Average total assets | $18,369,330 | 7,135 |
| Average earning assets | $17,175,000 | 7,108 |
| Average equity | $1,128,000 | 7,207 |
| Average total loans | $10,806,000 | 6,971 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9091% | 5,997 |
| Cost of funding earning assets | 0.6209% | 4,960 |
| Net interest margin | 3.2882% | 5,509 |
| Noninterest income to average assets | 0.4517% | 4,283 |
| Noninterest expense to average assets | 3.4843% | 1,793 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.0430% | 6,347 |
| Return on assets (ROA) | 0.0430% | 6,464 |
| Pretax return on assets | 0.0430% | 6,462 |
| Return on Equity (ROE) | 0.7127% | 6,402 |
| Retained earnings to average equity (ytd only) | 0.7127% | 5,774 |
| Net charge-offs to loans | -0.0377% | 6,432 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.7805% | 598 |
| Assets per employee ($millions) | 2.6780% | 6,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9514% | 6,413 |
| Loan loss allowance to noncurrent loans | 33.9223% | 5,971 |
| Noncurrent assets plus other real estate owned to assets | 2.6939% | 2,188 |
| Noncurrent loans to loans | 2.8048% | 2,302 |
| Net loans and leases to total assets | 53.3127% | 4,834 |
| Net loans and leases to deposits | 56.9751% | 5,491 |
| Net loans and leases to core deposits | 56.9751% | 5,820 |
| Total domestic deposits to total assets | 93.5720% | 108 |
| Equity capital to assets | 6.1293% | 7,063 |
| Core capital (leverage) ratio | 6.0544% | 7,032 |
| Tier 1 risk-based capital ratio | 11.4450% | 6,312 |
| Total risk-based capital ratio | 12.4295% | 6,442 |
| Memoranda: | ||
| Average total assets | $18,597,500 | 7,191 |
| Average earning assets | $17,395,500 | 7,165 |
| Average equity | $1,122,500 | 7,266 |
| Average total loans | $10,618,000 | 7,039 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7289% | 4,129 |
| Cost of funding earning assets | 0.8442% | 4,511 |
| Net interest margin | 3.8847% | 3,403 |
| Noninterest income to average assets | 0.1296% | 6,510 |
| Noninterest expense to average assets | 3.4475% | 2,126 |
| Loan and lease loss provision to assets | 0.1127% | 5,182 |
| Net operating income to assets | 0.1465% | 5,748 |
| Return on assets (ROA) | 0.1465% | 5,883 |
| Pretax return on assets | 0.1465% | 5,892 |
| Return on Equity (ROE) | 2.4056% | 5,505 |
| Retained earnings to average equity (ytd only) | 2.4056% | 4,505 |
| Net charge-offs to loans | 0.6628% | 2,500 |
| Credit loss provision to net charge-offs | 27.3973% | 5,821 |
| Earnings coverage of net charge-offs (x) | 0.6301% | 5,351 |
| Efficiency ratio | 93.0091% | 982 |
| Assets per employee ($millions) | 2.3061% | 7,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8523% | 6,638 |
| Loan loss allowance to noncurrent loans | 32.9861% | 6,008 |
| Noncurrent assets plus other real estate owned to assets | 2.8403% | 2,130 |
| Noncurrent loans to loans | 2.5839% | 2,534 |
| Net loans and leases to total assets | 59.9003% | 4,010 |
| Net loans and leases to deposits | 63.9340% | 5,020 |
| Net loans and leases to core deposits | 63.9340% | 5,470 |
| Total domestic deposits to total assets | 93.6907% | 103 |
| Equity capital to assets | 5.9407% | 7,100 |
| Core capital (leverage) ratio | 5.8043% | 7,076 |
| Tier 1 risk-based capital ratio | 10.4277% | 6,715 |
| Total risk-based capital ratio | 11.3596% | 6,812 |
| Memoranda: | ||
| Average total assets | $17,752,000 | 7,248 |
| Average earning assets | $16,346,200 | 7,227 |
| Average equity | $1,080,800 | 7,326 |
| Average total loans | $11,013,600 | 7,080 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7952% | 4,034 |
| Cost of funding earning assets | 0.8846% | 4,509 |
| Net interest margin | 3.9106% | 3,336 |
| Noninterest income to average assets | 0.1593% | 6,452 |
| Noninterest expense to average assets | 3.4892% | 1,964 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.2579% | 5,542 |
| Return on assets (ROA) | 0.2579% | 5,695 |
| Pretax return on assets | 0.2579% | 5,791 |
| Return on Equity (ROE) | 4.2089% | 4,914 |
| Retained earnings to average equity (ytd only) | 4.2089% | 3,736 |
| Net charge-offs to loans | 0.6921% | 2,183 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 0.5964% | 5,176 |
| Efficiency ratio | 93.1174% | 964 |
| Assets per employee ($millions) | 2.2293% | 7,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8277% | 6,764 |
| Loan loss allowance to noncurrent loans | 29.2605% | 6,296 |
| Noncurrent assets plus other real estate owned to assets | 3.0840% | 2,076 |
| Noncurrent loans to loans | 2.8288% | 2,463 |
| Net loans and leases to total assets | 61.1360% | 3,917 |
| Net loans and leases to deposits | 65.4678% | 4,978 |
| Net loans and leases to core deposits | 65.4678% | 5,470 |
| Total domestic deposits to total assets | 93.3834% | 112 |
| Equity capital to assets | 6.2241% | 7,159 |
| Core capital (leverage) ratio | 6.2210% | 7,109 |
| Tier 1 risk-based capital ratio | 10.4610% | 6,792 |
| Total risk-based capital ratio | 11.3499% | 6,917 |
| Memoranda: | ||
| Average total assets | $17,577,750 | 7,324 |
| Average earning assets | $16,126,750 | 7,306 |
| Average equity | $1,077,000 | 7,404 |
| Average total loans | $10,980,500 | 7,151 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8103% | 4,059 |
| Cost of funding earning assets | 0.9571% | 4,269 |
| Net interest margin | 3.8532% | 3,520 |
| Noninterest income to average assets | 0.4345% | 4,394 |
| Noninterest expense to average assets | 3.5787% | 1,790 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4002% | 4,942 |
| Return on assets (ROA) | 0.4002% | 5,098 |
| Pretax return on assets | 0.4002% | 5,394 |
| Return on Equity (ROE) | 6.5666% | 3,667 |
| Retained earnings to average equity (ytd only) | 6.5666% | 2,102 |
| Net charge-offs to loans | 0.2187% | 3,817 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 2.9167% | 3,390 |
| Efficiency ratio | 89.9425% | 1,243 |
| Assets per employee ($millions) | 1.9613% | 7,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2441% | 5,344 |
| Loan loss allowance to noncurrent loans | 34.1709% | 6,037 |
| Noncurrent assets plus other real estate owned to assets | 3.4217% | 1,928 |
| Noncurrent loans to loans | 3.6407% | 1,931 |
| Net loans and leases to total assets | 61.1602% | 4,062 |
| Net loans and leases to deposits | 65.5018% | 5,072 |
| Net loans and leases to core deposits | 65.5018% | 5,564 |
| Total domestic deposits to total assets | 93.3719% | 109 |
| Equity capital to assets | 6.2316% | 7,216 |
| Core capital (leverage) ratio | 6.1768% | 7,172 |
| Tier 1 risk-based capital ratio | 11.2547% | 6,348 |
| Total risk-based capital ratio | 12.5053% | 6,345 |
| Memoranda: | ||
| Average total assets | $17,492,330 | 7,396 |
| Average earning assets | $16,090,330 | 7,380 |
| Average equity | $1,066,000 | 7,477 |
| Average total loans | $10,976,000 | 7,221 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5711% | 5,075 |
| Cost of funding earning assets | 0.9689% | 4,432 |
| Net interest margin | 3.6023% | 4,558 |
| Noninterest income to average assets | 0.8040% | 2,019 |
| Noninterest expense to average assets | 3.6066% | 1,756 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5284% | 4,365 |
| Return on assets (ROA) | 0.5284% | 4,448 |
| Pretax return on assets | 0.5284% | 4,930 |
| Return on Equity (ROE) | 8.7703% | 2,576 |
| Retained earnings to average equity (ytd only) | 8.7703% | 1,464 |
| Net charge-offs to loans | 0.4364% | 2,391 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 1.9167% | 3,352 |
| Efficiency ratio | 87.2222% | 1,597 |
| Assets per employee ($millions) | 2.2191% | 7,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2827% | 5,217 |
| Loan loss allowance to noncurrent loans | 33.8308% | 6,043 |
| Noncurrent assets plus other real estate owned to assets | 3.8416% | 1,744 |
| Noncurrent loans to loans | 3.7914% | 1,932 |
| Net loans and leases to total assets | 58.9590% | 4,467 |
| Net loans and leases to deposits | 63.0163% | 5,379 |
| Net loans and leases to core deposits | 64.0968% | 5,715 |
| Total domestic deposits to total assets | 93.5617% | 95 |
| Equity capital to assets | 6.0159% | 7,286 |
| Core capital (leverage) ratio | 6.0548% | 7,239 |
| Tier 1 risk-based capital ratio | 11.0869% | 6,445 |
| Total risk-based capital ratio | 12.3430% | 6,421 |
| Memoranda: | ||
| Average total assets | $17,412,500 | 7,455 |
| Average earning assets | $16,101,000 | 7,434 |
| Average equity | $1,049,000 | 7,533 |
| Average total loans | $10,998,000 | 7,273 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3650% | 2,832 |
| Cost of funding earning assets | 1.2733% | 4,063 |
| Net interest margin | 4.0918% | 2,605 |
| Noninterest income to average assets | -1.5725% | 7,644 |
| Noninterest expense to average assets | 3.7178% | 1,662 |
| Loan and lease loss provision to assets | 0.4381% | 3,492 |
| Net operating income to assets | -2.0106% | 7,059 |
| Return on assets (ROA) | -2.0106% | 7,070 |
| Pretax return on assets | -2.0106% | 7,032 |
| Return on Equity (ROE) | -32.3982% | 7,262 |
| Retained earnings to average equity (ytd only) | -32.3982% | 7,252 |
| Net charge-offs to loans | 1.0046% | 2,185 |
| Credit loss provision to net charge-offs | 65.5462% | 5,971 |
| Earnings coverage of net charge-offs (x) | -2.3529% | 6,721 |
| Efficiency ratio | 173.2984% | 133 |
| Assets per employee ($millions) | 2.1340% | 7,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2990% | 5,006 |
| Loan loss allowance to noncurrent loans | 36.2745% | 5,897 |
| Noncurrent assets plus other real estate owned to assets | 4.0300% | 1,686 |
| Noncurrent loans to loans | 3.5811% | 2,096 |
| Net loans and leases to total assets | 65.8681% | 3,495 |
| Net loans and leases to deposits | 70.4530% | 4,759 |
| Net loans and leases to core deposits | 71.5923% | 5,253 |
| Total domestic deposits to total assets | 93.4923% | 109 |
| Equity capital to assets | 6.0333% | 7,340 |
| Core capital (leverage) ratio | 5.9575% | 7,306 |
| Tier 1 risk-based capital ratio | 9.5212% | 7,133 |
| Total risk-based capital ratio | 10.7691% | 7,142 |
| Memoranda: | ||
| Average total assets | $17,806,000 | 7,514 |
| Average earning assets | $16,178,800 | 7,495 |
| Average equity | $1,105,000 | 7,624 |
| Average total loans | $11,845,200 | 7,313 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4317% | 2,733 |
| Cost of funding earning assets | 1.3108% | 4,148 |
| Net interest margin | 4.1209% | 2,530 |
| Noninterest income to average assets | -1.9789% | 7,753 |
| Noninterest expense to average assets | 3.6909% | 1,583 |
| Loan and lease loss provision to assets | 0.5781% | 2,618 |
| Net operating income to assets | -2.5199% | 7,355 |
| Return on assets (ROA) | -2.5199% | 7,365 |
| Pretax return on assets | -2.5199% | 7,319 |
| Return on Equity (ROE) | -40.3399% | 7,498 |
| Retained earnings to average equity (ytd only) | -40.3399% | 7,495 |
| Net charge-offs to loans | 1.0704% | 1,896 |
| Credit loss provision to net charge-offs | 81.2500% | 5,095 |
| Earnings coverage of net charge-offs (x) | -2.7291% | 6,556 |
| Efficiency ratio | 211.0169% | 72 |
| Assets per employee ($millions) | 2.0319% | 7,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3969% | 4,477 |
| Loan loss allowance to noncurrent loans | 39.7674% | 5,646 |
| Noncurrent assets plus other real estate owned to assets | 4.2141% | 1,624 |
| Noncurrent loans to loans | 3.5128% | 2,248 |
| Net loans and leases to total assets | 74.2541% | 1,746 |
| Net loans and leases to deposits | 79.5335% | 3,540 |
| Net loans and leases to core deposits | 79.5335% | 4,583 |
| Total domestic deposits to total assets | 93.3620% | 85 |
| Equity capital to assets | 6.0904% | 7,477 |
| Core capital (leverage) ratio | 5.6527% | 7,478 |
| Tier 1 risk-based capital ratio | 8.7928% | 7,399 |
| Total risk-based capital ratio | 10.0476% | 7,412 |
| Memoranda: | ||
| Average total assets | $17,989,500 | 7,604 |
| Average earning assets | $16,274,500 | 7,584 |
| Average equity | $1,123,750 | 7,722 |
| Average total loans | $11,958,250 | 7,403 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3140% | 3,398 |
| Cost of funding earning assets | 1.3374% | 4,278 |
| Net interest margin | 3.9765% | 3,131 |
| Noninterest income to average assets | -1.5080% | 7,810 |
| Noninterest expense to average assets | 3.5869% | 1,813 |
| Loan and lease loss provision to assets | 0.2047% | 4,828 |
| Net operating income to assets | -1.7127% | 7,222 |
| Return on assets (ROA) | -1.7127% | 7,231 |
| Pretax return on assets | -1.7127% | 7,149 |
| Return on Equity (ROE) | -27.2183% | 7,399 |
| Retained earnings to average equity (ytd only) | -27.2183% | 7,384 |
| Net charge-offs to loans | 1.5509% | 1,231 |
| Credit loss provision to net charge-offs | 20.6522% | 5,845 |
| Earnings coverage of net charge-offs (x) | -1.5217% | 6,178 |
| Efficiency ratio | 172.5389% | 145 |
| Assets per employee ($millions) | 2.1591% | 7,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9317% | 6,657 |
| Loan loss allowance to noncurrent loans | 26.0674% | 6,612 |
| Noncurrent assets plus other real estate owned to assets | 4.7994% | 1,350 |
| Noncurrent loans to loans | 3.5743% | 2,206 |
| Net loans and leases to total assets | 71.4062% | 2,566 |
| Net loans and leases to deposits | 76.6897% | 4,203 |
| Net loans and leases to core deposits | 76.6897% | 5,117 |
| Total domestic deposits to total assets | 93.1106% | 107 |
| Equity capital to assets | 6.3625% | 7,491 |
| Core capital (leverage) ratio | 6.1220% | 7,461 |
| Tier 1 risk-based capital ratio | 9.5853% | 7,226 |
| Total risk-based capital ratio | 10.6045% | 7,316 |
| Memoranda: | ||
| Average total assets | $18,567,670 | 7,665 |
| Average earning assets | $16,748,330 | 7,642 |
| Average equity | $1,168,330 | 7,784 |
| Average total loans | $11,864,000 | 7,465 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1910% | 4,074 |
| Cost of funding earning assets | 1.3673% | 4,376 |
| Net interest margin | 3.8238% | 3,692 |
| Noninterest income to average assets | 0.5412% | 3,717 |
| Noninterest expense to average assets | 3.5181% | 1,932 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.4580% | 4,585 |
| Return on assets (ROA) | 0.4580% | 4,707 |
| Pretax return on assets | 0.4580% | 5,098 |
| Return on Equity (ROE) | 7.3150% | 3,202 |
| Retained earnings to average equity (ytd only) | 7.3150% | 2,012 |
| Net charge-offs to loans | 3.2149% | 463 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 0.2366% | 4,829 |
| Efficiency ratio | 88.4817% | 1,543 |
| Assets per employee ($millions) | 2.3224% | 7,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8402% | 7,027 |
| Loan loss allowance to noncurrent loans | 20.8696% | 6,963 |
| Noncurrent assets plus other real estate owned to assets | 5.6139% | 1,092 |
| Noncurrent loans to loans | 4.0259% | 1,943 |
| Net loans and leases to total assets | 60.9828% | 4,945 |
| Net loans and leases to deposits | 65.6127% | 5,864 |
| Net loans and leases to core deposits | 65.6127% | 6,321 |
| Total domestic deposits to total assets | 92.9436% | 126 |
| Equity capital to assets | 6.5450% | 7,520 |
| Core capital (leverage) ratio | 6.3520% | 7,517 |
| Tier 1 risk-based capital ratio | 10.2410% | 6,854 |
| Total risk-based capital ratio | 11.0555% | 7,145 |
| Memoranda: | ||
| Average total assets | $19,215,000 | 7,742 |
| Average earning assets | $17,260,500 | 7,724 |
| Average equity | $1,203,000 | 7,869 |
| Average total loans | $11,571,000 | 7,569 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2316% | 5,505 |
| Cost of funding earning assets | 1.6557% | 4,759 |
| Net interest margin | 3.5759% | 4,634 |
| Noninterest income to average assets | -0.1243% | 7,819 |
| Noninterest expense to average assets | 3.8796% | 1,543 |
| Loan and lease loss provision to assets | 3.2891% | 487 |
| Net operating income to assets | -4.0713% | 7,616 |
| Return on assets (ROA) | -4.0713% | 7,615 |
| Pretax return on assets | -4.0713% | 7,544 |
| Return on Equity (ROE) | -56.9318% | 7,739 |
| Retained earnings to average equity (ytd only) | -56.9318% | 7,734 |
| Net charge-offs to loans | 5.0701% | 254 |
| Credit loss provision to net charge-offs | 102.0900% | 5,416 |
| Earnings coverage of net charge-offs (x) | -0.2428% | 6,498 |
| Efficiency ratio | 125.2508% | 524 |
| Assets per employee ($millions) | 2.2057% | 7,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6132% | 3,227 |
| Loan loss allowance to noncurrent loans | 34.3636% | 6,135 |
| Noncurrent assets plus other real estate owned to assets | 5.7075% | 1,011 |
| Noncurrent loans to loans | 4.6944% | 1,495 |
| Net loans and leases to total assets | 58.0676% | 5,655 |
| Net loans and leases to deposits | 62.1368% | 6,453 |
| Net loans and leases to core deposits | 67.1150% | 6,924 |
| Total domestic deposits to total assets | 93.4512% | 101 |
| Equity capital to assets | 5.9947% | 7,667 |
| Core capital (leverage) ratio | 6.1832% | 7,590 |
| Tier 1 risk-based capital ratio | 9.9477% | 6,919 |
| Total risk-based capital ratio | 11.2038% | 6,889 |
| Memoranda: | ||
| Average total assets | $19,306,000 | 7,794 |
| Average earning assets | $17,394,200 | 7,781 |
| Average equity | $1,380,600 | 7,943 |
| Average total loans | $12,268,000 | 7,585 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3324% | 5,262 |
| Cost of funding earning assets | 1.7313% | 4,737 |
| Net interest margin | 3.6010% | 4,480 |
| Noninterest income to average assets | -0.1809% | 7,970 |
| Noninterest expense to average assets | 3.9575% | 1,335 |
| Loan and lease loss provision to assets | 4.4166% | 232 |
| Net operating income to assets | -5.2999% | 7,870 |
| Return on assets (ROA) | -5.2999% | 7,865 |
| Pretax return on assets | -5.2999% | 7,841 |
| Return on Equity (ROE) | -71.1339% | 7,936 |
| Retained earnings to average equity (ytd only) | -71.1339% | 7,935 |
| Net charge-offs to loans | 5.3521% | 188 |
| Credit loss provision to net charge-offs | 127.5100% | 3,937 |
| Earnings coverage of net charge-offs (x) | -0.2550% | 6,327 |
| Efficiency ratio | 128.7330% | 487 |
| Assets per employee ($millions) | 2.0409% | 7,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6256% | 943 |
| Loan loss allowance to noncurrent loans | 46.3018% | 5,232 |
| Noncurrent assets plus other real estate owned to assets | 6.8543% | 707 |
| Noncurrent loans to loans | 5.6707% | 1,092 |
| Net loans and leases to total assets | 63.1969% | 5,041 |
| Net loans and leases to deposits | 67.3826% | 6,183 |
| Net loans and leases to core deposits | 73.8188% | 6,740 |
| Total domestic deposits to total assets | 93.7881% | 59 |
| Equity capital to assets | 5.5531% | 7,913 |
| Core capital (leverage) ratio | 5.3661% | 7,890 |
| Tier 1 risk-based capital ratio | 8.6611% | 7,716 |
| Total risk-based capital ratio | 9.9120% | 7,744 |
| Memoranda: | ||
| Average total assets | $19,169,750 | 7,874 |
| Average earning assets | $17,327,750 | 7,865 |
| Average equity | $1,428,250 | 8,022 |
| Average total loans | $12,406,000 | 7,653 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4626% | 4,828 |
| Cost of funding earning assets | 1.7412% | 5,058 |
| Net interest margin | 3.7214% | 3,868 |
| Noninterest income to average assets | 0.1646% | 7,103 |
| Noninterest expense to average assets | 4.0747% | 1,222 |
| Loan and lease loss provision to assets | 4.4760% | 258 |
| Net operating income to assets | -5.0214% | 7,934 |
| Return on assets (ROA) | -5.0214% | 7,928 |
| Pretax return on assets | -5.0214% | 7,861 |
| Return on Equity (ROE) | -62.3909% | 7,988 |
| Retained earnings to average equity (ytd only) | -62.3909% | 7,984 |
| Net charge-offs to loans | 6.9225% | 138 |
| Credit loss provision to net charge-offs | 100.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | -0.1218% | 5,816 |
| Efficiency ratio | 115.4519% | 743 |
| Assets per employee ($millions) | 2.1002% | 7,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4763% | 3,323 |
| Loan loss allowance to noncurrent loans | 35.2705% | 6,088 |
| Noncurrent assets plus other real estate owned to assets | 5.2005% | 992 |
| Noncurrent loans to loans | 4.1855% | 1,588 |
| Net loans and leases to total assets | 62.1416% | 5,337 |
| Net loans and leases to deposits | 67.0625% | 6,282 |
| Net loans and leases to core deposits | 73.1291% | 6,835 |
| Total domestic deposits to total assets | 92.6622% | 124 |
| Equity capital to assets | 6.6289% | 7,776 |
| Core capital (leverage) ratio | 6.5526% | 7,772 |
| Tier 1 risk-based capital ratio | 10.4060% | 6,475 |
| Total risk-based capital ratio | 11.6589% | 6,411 |
| Memoranda: | ||
| Average total assets | $19,437,000 | 7,944 |
| Average earning assets | $17,574,000 | 7,930 |
| Average equity | $1,564,330 | 8,083 |
| Average total loans | $12,567,670 | 7,719 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7151% | 3,718 |
| Cost of funding earning assets | 1.7257% | 5,487 |
| Net interest margin | 3.9894% | 2,689 |
| Noninterest income to average assets | 0.1421% | 7,283 |
| Noninterest expense to average assets | 3.2683% | 2,745 |
| Loan and lease loss provision to assets | 0.8120% | 1,591 |
| Net operating income to assets | -0.3248% | 6,711 |
| Return on assets (ROA) | -0.3248% | 6,785 |
| Pretax return on assets | -0.3248% | 6,693 |
| Return on Equity (ROE) | -3.7209% | 6,859 |
| Retained earnings to average equity (ytd only) | -3.7209% | 6,386 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0270% | 1,971 |
| Assets per employee ($millions) | 1.9647% | 7,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7313% | 2,035 |
| Loan loss allowance to noncurrent loans | 27.4809% | 6,725 |
| Noncurrent assets plus other real estate owned to assets | 5.9144% | 688 |
| Noncurrent loans to loans | 6.3001% | 724 |
| Net loans and leases to total assets | 62.4014% | 5,252 |
| Net loans and leases to deposits | 68.9190% | 6,088 |
| Net loans and leases to core deposits | 74.5787% | 6,773 |
| Total domestic deposits to total assets | 90.5431% | 572 |
| Equity capital to assets | 8.8156% | 5,596 |
| Core capital (leverage) ratio | 8.9665% | 4,766 |
| Tier 1 risk-based capital ratio | 13.0968% | 4,124 |
| Total risk-based capital ratio | 14.3541% | 4,026 |
| Memoranda: | ||
| Average total assets | $19,704,500 | 7,989 |
| Average earning assets | $17,847,500 | 7,970 |
| Average equity | $1,720,000 | 8,110 |
| Average total loans | $12,890,500 | 7,755 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0877% | 5,107 |
| Cost of funding earning assets | 2.2075% | 5,564 |
| Net interest margin | 3.8802% | 3,659 |
| Noninterest income to average assets | 0.1631% | 7,256 |
| Noninterest expense to average assets | 3.4610% | 2,495 |
| Loan and lease loss provision to assets | 1.3939% | 994 |
| Net operating income to assets | -1.1046% | 7,290 |
| Return on assets (ROA) | -1.1046% | 7,232 |
| Pretax return on assets | -1.1046% | 7,062 |
| Return on Equity (ROE) | -11.3945% | 7,379 |
| Retained earnings to average equity (ytd only) | -11.4487% | 7,206 |
| Net charge-offs to loans | 2.0111% | 535 |
| Credit loss provision to net charge-offs | 98.5130% | 5,431 |
| Earnings coverage of net charge-offs (x) | 0.2045% | 6,111 |
| Efficiency ratio | 92.2861% | 1,365 |
| Assets per employee ($millions) | 1.9762% | 7,932 |
| Cash dividends to net income (ytd only)* | -0.4762% | 7,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3228% | 3,637 |
| Loan loss allowance to noncurrent loans | 15.4251% | 7,384 |
| Noncurrent assets plus other real estate owned to assets | 5.9154% | 516 |
| Noncurrent loans to loans | 8.5757% | 300 |
| Net loans and leases to total assets | 66.4356% | 4,766 |
| Net loans and leases to deposits | 72.9713% | 5,950 |
| Net loans and leases to core deposits | 77.4892% | 6,770 |
| Total domestic deposits to total assets | 91.0434% | 315 |
| Equity capital to assets | 8.6428% | 5,877 |
| Core capital (leverage) ratio | 8.9016% | 4,882 |
| Tier 1 risk-based capital ratio | 12.5948% | 4,372 |
| Total risk-based capital ratio | 13.8543% | 4,274 |
| Memoranda: | ||
| Average total assets | $19,011,600 | 8,050 |
| Average earning assets | $17,576,400 | 8,019 |
| Average equity | $1,843,000 | 8,149 |
| Average total loans | $13,375,800 | 7,745 |