Home > Grand Rivers Community Bank > Performance and Condition Ratios
Grand Rivers Community 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 | 5.7709% | 864 |
| Cost of funding earning assets | 1.2231% | 2,748 |
| Net interest margin | 4.5478% | 567 |
| Noninterest income to average assets | 0.8200% | 901 |
| Noninterest expense to average assets | 5.6593% | 186 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | -0.6858% | 4,521 |
| Return on assets (ROA) | -0.6858% | 4,507 |
| Pretax return on assets | -0.6858% | 4,498 |
| Return on Equity (ROE) | -7.7700% | 4,488 |
| Retained earnings to average equity (ytd only) | -7.7705% | 4,440 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 113.7901% | 95 |
| Assets per employee ($millions) | 3.5921% | 4,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6718% | 159 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 57.2200% | 3,105 |
| Net loans and leases to deposits | 63.6541% | 3,307 |
| Net loans and leases to core deposits | 63.6541% | 3,602 |
| Total domestic deposits to total assets | 89.9000% | 784 |
| Equity capital to assets | 8.3754% | 3,139 |
| Core capital (leverage) ratio | 9.2368% | 3,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1149% | 1,830 |
| Memoranda: | ||
| Average total assets | $23,183,000 | 4,511 |
| Average earning assets | $21,175,200 | 4,474 |
| Average equity | $2,046,200 | 4,488 |
| Average total loans | $13,729,600 | 4,371 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6227% | 886 |
| Cost of funding earning assets | 1.0728% | 2,822 |
| Net interest margin | 4.5499% | 576 |
| Noninterest income to average assets | 0.8400% | 866 |
| Noninterest expense to average assets | 5.7286% | 191 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | -0.7521% | 4,552 |
| Return on assets (ROA) | -0.7521% | 4,545 |
| Pretax return on assets | -0.7521% | 4,533 |
| Return on Equity (ROE) | -8.4000% | 4,532 |
| Retained earnings to average equity (ytd only) | -8.4018% | 4,489 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 115.1122% | 86 |
| Assets per employee ($millions) | 4.0943% | 4,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7813% | 149 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 48.1800% | 3,729 |
| Net loans and leases to deposits | 52.7791% | 3,850 |
| Net loans and leases to core deposits | 52.7791% | 3,969 |
| Total domestic deposits to total assets | 91.2800% | 602 |
| Equity capital to assets | 7.1319% | 3,551 |
| Core capital (leverage) ratio | 9.3645% | 3,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1287% | 1,847 |
| Memoranda: | ||
| Average total assets | $22,692,500 | 4,541 |
| Average earning assets | $20,630,000 | 4,506 |
| Average equity | $2,031,250 | 4,512 |
| Average total loans | $13,466,000 | 4,394 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6961% | 640 |
| Cost of funding earning assets | 0.8523% | 3,068 |
| Net interest margin | 4.8438% | 378 |
| Noninterest income to average assets | 1.0800% | 509 |
| Noninterest expense to average assets | 6.3082% | 166 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | -0.8887% | 4,594 |
| Return on assets (ROA) | -0.8887% | 4,589 |
| Pretax return on assets | -0.8887% | 4,582 |
| Return on Equity (ROE) | -9.0800% | 4,572 |
| Retained earnings to average equity (ytd only) | -9.0775% | 4,497 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 116.3993% | 77 |
| Assets per employee ($millions) | 2.8796% | 4,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7256% | 168 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 69.9400% | 1,747 |
| Net loans and leases to deposits | 80.0329% | 1,976 |
| Net loans and leases to core deposits | 80.0329% | 2,470 |
| Total domestic deposits to total assets | 87.3800% | 1,806 |
| Equity capital to assets | 10.3240% | 1,677 |
| Core capital (leverage) ratio | 10.4879% | 2,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0744% | 1,863 |
| Memoranda: | ||
| Average total assets | $20,703,333 | 4,574 |
| Average earning assets | $18,539,000 | 4,540 |
| Average equity | $2,027,000 | 4,542 |
| Average total loans | $13,220,667 | 4,421 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5470% | 573 |
| Cost of funding earning assets | 0.6235% | 3,311 |
| Net interest margin | 4.9235% | 322 |
| Noninterest income to average assets | 1.1400% | 475 |
| Noninterest expense to average assets | 6.3881% | 167 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -0.8772% | 4,613 |
| Return on assets (ROA) | -0.8772% | 4,604 |
| Pretax return on assets | -0.8772% | 4,596 |
| Return on Equity (ROE) | -9.2000% | 4,591 |
| Retained earnings to average equity (ytd only) | -9.2000% | 4,460 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 115.9170% | 81 |
| Assets per employee ($millions) | 2.9739% | 4,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8904% | 146 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 2.9783% | 54 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 63.7500% | 2,273 |
| Net loans and leases to deposits | 72.8615% | 2,393 |
| Net loans and leases to core deposits | 72.8615% | 2,755 |
| Total domestic deposits to total assets | 87.5000% | 2,090 |
| Equity capital to assets | 10.2224% | 1,711 |
| Core capital (leverage) ratio | 10.3184% | 2,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8022% | 1,681 |
| Memoranda: | ||
| Average total assets | $20,976,500 | 4,632 |
| Average earning assets | $18,604,500 | 4,606 |
| Average equity | $2,000,000 | 4,609 |
| Average total loans | $12,585,000 | 4,490 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9392% | 338 |
| Cost of funding earning assets | 0.3457% | 2,514 |
| Net interest margin | 4.5935% | 250 |
| Noninterest income to average assets | 0.9100% | 764 |
| Noninterest expense to average assets | 8.0128% | 134 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | -3.1725% | 4,700 |
| Return on assets (ROA) | -3.1725% | 4,699 |
| Pretax return on assets | -3.1725% | 4,698 |
| Return on Equity (ROE) | -31.1200% | 4,701 |
| Retained earnings to average equity (ytd only) | -31.1240% | 4,713 |
| Net charge-offs to loans | -0.5457% | 4,707 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 165.5431% | 30 |
| Assets per employee ($millions) | 3.0194% | 4,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4336% | 84 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 2.9334% | 49 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 52.5600% | 3,319 |
| Net loans and leases to deposits | 59.1786% | 3,383 |
| Net loans and leases to core deposits | 59.1786% | 3,549 |
| Total domestic deposits to total assets | 88.8200% | 1,776 |
| Equity capital to assets | 8.8569% | 2,452 |
| Core capital (leverage) ratio | 10.3514% | 2,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5140% | 1,474 |
| Memoranda: | ||
| Average total assets | $16,548,600 | 4,682 |
| Average earning assets | $14,172,200 | 4,660 |
| Average equity | $1,686,800 | 4,691 |
| Average total loans | $9,896,200 | 4,560 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9950% | 213 |
| Cost of funding earning assets | 0.3275% | 1,881 |
| Net interest margin | 4.6675% | 174 |
| Noninterest income to average assets | 1.0000% | 662 |
| Noninterest expense to average assets | 8.5962% | 126 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | -3.6532% | 4,748 |
| Return on assets (ROA) | -3.6532% | 4,747 |
| Pretax return on assets | -3.6532% | 4,744 |
| Return on Equity (ROE) | -34.3000% | 4,740 |
| Retained earnings to average equity (ytd only) | -34.2976% | 4,747 |
| Net charge-offs to loans | -0.7583% | 4,753 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 173.9054% | 29 |
| Assets per employee ($millions) | 2.1879% | 4,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4710% | 89 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 3.5422% | 33 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 62.7600% | 2,215 |
| Net loans and leases to deposits | 72.0233% | 2,201 |
| Net loans and leases to core deposits | 72.0233% | 2,481 |
| Total domestic deposits to total assets | 87.1400% | 2,716 |
| Equity capital to assets | 10.1240% | 1,557 |
| Core capital (leverage) ratio | 10.7398% | 1,929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0350% | 1,702 |
| Memoranda: | ||
| Average total assets | $15,401,750 | 4,728 |
| Average earning assets | $13,026,000 | 4,704 |
| Average equity | $1,640,500 | 4,730 |
| Average total loans | $9,494,250 | 4,603 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8331% | 216 |
| Cost of funding earning assets | 0.2757% | 1,947 |
| Net interest margin | 4.5574% | 176 |
| Noninterest income to average assets | 0.9931% | 679 |
| Noninterest expense to average assets | 8.7475% | 84 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -3.9316% | 4,754 |
| Return on assets (ROA) | -3.9316% | 4,752 |
| Pretax return on assets | -3.9316% | 4,750 |
| Return on Equity (ROE) | -36.2004% | 4,761 |
| Retained earnings to average equity (ytd only) | -36.2004% | 4,752 |
| Net charge-offs to loans | -0.6542% | 4,707 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 181.6384% | 27 |
| Assets per employee ($millions) | 1.8029% | 4,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8041% | 76 |
| Loan loss allowance to noncurrent loans | 384.3750% | 1,834 |
| Noncurrent assets plus other real estate owned to assets | 5.3803% | 12 |
| Noncurrent loans to loans | 0.9897% | 845 |
| Net loans and leases to total assets | 64.6953% | 1,834 |
| Net loans and leases to deposits | 74.9719% | 1,762 |
| Net loans and leases to core deposits | 74.9719% | 2,096 |
| Total domestic deposits to total assets | 86.2927% | 3,171 |
| Equity capital to assets | 10.3169% | 1,526 |
| Core capital (leverage) ratio | 10.0516% | 2,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4411% | 1,886 |
| Memoranda: | ||
| Average total assets | $14,701,333 | 4,763 |
| Average earning assets | $12,331,667 | 4,749 |
| Average equity | $1,596,667 | 4,755 |
| Average total loans | $8,865,667 | 4,680 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9924% | 156 |
| Cost of funding earning assets | 0.2560% | 2,086 |
| Net interest margin | 4.7364% | 130 |
| Noninterest income to average assets | 0.8356% | 961 |
| Noninterest expense to average assets | 8.7329% | 83 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -3.9082% | 4,781 |
| Return on assets (ROA) | -3.9082% | 4,780 |
| Pretax return on assets | -3.9082% | 4,777 |
| Return on Equity (ROE) | -35.1302% | 4,786 |
| Retained earnings to average equity (ytd only) | -35.1302% | 4,760 |
| Net charge-offs to loans | -2.1306% | 4,755 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 181.0056% | 27 |
| Assets per employee ($millions) | 1.8468% | 4,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2237% | 65 |
| Loan loss allowance to noncurrent loans | 941.4634% | 943 |
| Noncurrent assets plus other real estate owned to assets | 4.4741% | 26 |
| Noncurrent loans to loans | 0.4486% | 1,903 |
| Net loans and leases to total assets | 59.2460% | 2,157 |
| Net loans and leases to deposits | 69.2101% | 2,037 |
| Net loans and leases to core deposits | 70.6343% | 2,238 |
| Total domestic deposits to total assets | 85.6031% | 3,380 |
| Equity capital to assets | 11.0464% | 1,311 |
| Core capital (leverage) ratio | 10.9423% | 1,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8117% | 1,307 |
| Memoranda: | ||
| Average total assets | $14,840,500 | 4,788 |
| Average earning assets | $12,499,000 | 4,774 |
| Average equity | $1,651,000 | 4,782 |
| Average total loans | $8,448,500 | 4,707 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5532% | 550 |
| Cost of funding earning assets | 0.3460% | 1,971 |
| Net interest margin | 4.2072% | 478 |
| Noninterest income to average assets | 1.8328% | 360 |
| Noninterest expense to average assets | 7.3208% | 103 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | -1.9303% | 4,812 |
| Return on assets (ROA) | -1.9303% | 4,812 |
| Pretax return on assets | -1.9303% | 4,810 |
| Return on Equity (ROE) | -42.6691% | 4,833 |
| Retained earnings to average equity (ytd only) | -42.6691% | 4,828 |
| Net charge-offs to loans | 0.5339% | 153 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | -5.6970% | 2,674 |
| Efficiency ratio | 135.8095% | 50 |
| Assets per employee ($millions) | 2.1296% | 4,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3955% | 55 |
| Loan loss allowance to noncurrent loans | 104.9231% | 3,360 |
| Noncurrent assets plus other real estate owned to assets | 6.3393% | 13 |
| Noncurrent loans to loans | 4.1892% | 97 |
| Net loans and leases to total assets | 49.7551% | 3,315 |
| Net loans and leases to deposits | 58.3556% | 3,221 |
| Net loans and leases to core deposits | 59.5456% | 3,348 |
| Total domestic deposits to total assets | 85.2620% | 3,185 |
| Equity capital to assets | 11.2028% | 1,661 |
| Core capital (leverage) ratio | 10.9093% | 1,617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0821% | 879 |
| Memoranda: | ||
| Average total assets | $19,478,800 | 4,807 |
| Average earning assets | $16,471,800 | 4,801 |
| Average equity | $881,200 | 4,836 |
| Average total loans | $12,362,200 | 4,692 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6963% | 487 |
| Cost of funding earning assets | 0.3665% | 1,970 |
| Net interest margin | 4.3297% | 425 |
| Noninterest income to average assets | 0.9375% | 1,178 |
| Noninterest expense to average assets | 7.0021% | 107 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | -2.3987% | 4,891 |
| Return on assets (ROA) | -2.3987% | 4,891 |
| Pretax return on assets | -2.3987% | 4,890 |
| Return on Equity (ROE) | -72.3179% | 4,912 |
| Retained earnings to average equity (ytd only) | -72.3179% | 4,911 |
| Net charge-offs to loans | 0.7400% | 102 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | -4.9467% | 2,431 |
| Efficiency ratio | 152.1067% | 35 |
| Assets per employee ($millions) | 2.1519% | 4,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6328% | 229 |
| Loan loss allowance to noncurrent loans | 99.1045% | 3,420 |
| Noncurrent assets plus other real estate owned to assets | 4.9311% | 30 |
| Noncurrent loans to loans | 2.6566% | 270 |
| Net loans and leases to total assets | 63.3965% | 1,852 |
| Net loans and leases to deposits | 69.4536% | 2,290 |
| Net loans and leases to core deposits | 70.4660% | 2,551 |
| Total domestic deposits to total assets | 91.2790% | 290 |
| Equity capital to assets | 3.5008% | 4,912 |
| Core capital (leverage) ratio | 3.3600% | 4,913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 6.1461% | 3,122 |
| Memoranda: | ||
| Average total assets | $20,621,750 | 4,877 |
| Average earning assets | $17,460,250 | 4,869 |
| Average equity | $684,000 | 4,911 |
| Average total loans | $13,513,250 | 4,746 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5152% | 706 |
| Cost of funding earning assets | 0.3819% | 2,038 |
| Net interest margin | 4.1333% | 654 |
| Noninterest income to average assets | 0.9601% | 1,136 |
| Noninterest expense to average assets | 7.0057% | 106 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -2.5475% | 4,927 |
| Return on assets (ROA) | -2.5475% | 4,927 |
| Pretax return on assets | -2.5475% | 4,926 |
| Return on Equity (ROE) | -78.1341% | 4,948 |
| Retained earnings to average equity (ytd only) | -78.1341% | 4,944 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 157.1429% | 36 |
| Assets per employee ($millions) | 2.2059% | 4,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0843% | 137 |
| Loan loss allowance to noncurrent loans | 21.3873% | 4,214 |
| Noncurrent assets plus other real estate owned to assets | 12.7084% | 5 |
| Noncurrent loans to loans | 14.4210% | 8 |
| Net loans and leases to total assets | 64.4185% | 1,901 |
| Net loans and leases to deposits | 70.5756% | 2,352 |
| Net loans and leases to core deposits | 71.5709% | 2,641 |
| Total domestic deposits to total assets | 91.2759% | 288 |
| Equity capital to assets | 3.4403% | 4,948 |
| Core capital (leverage) ratio | 3.2507% | 4,949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 5.7854% | 3,104 |
| Memoranda: | ||
| Average total assets | $21,040,000 | 4,909 |
| Average earning assets | $17,806,667 | 4,902 |
| Average equity | $686,000 | 4,948 |
| Average total loans | $13,814,333 | 4,776 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4357% | 861 |
| Cost of funding earning assets | 0.3914% | 2,163 |
| Net interest margin | 4.0444% | 791 |
| Noninterest income to average assets | 0.8505% | 1,458 |
| Noninterest expense to average assets | 7.1001% | 106 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -2.8105% | 4,959 |
| Return on assets (ROA) | -2.8105% | 4,959 |
| Pretax return on assets | -2.8105% | 4,958 |
| Return on Equity (ROE) | -88.4364% | 4,976 |
| Retained earnings to average equity (ytd only) | -88.4364% | 4,970 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 165.5172% | 24 |
| Assets per employee ($millions) | 2.3914% | 4,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9491% | 155 |
| Loan loss allowance to noncurrent loans | 22.2283% | 4,274 |
| Noncurrent assets plus other real estate owned to assets | 11.3878% | 6 |
| Noncurrent loans to loans | 13.2672% | 13 |
| Net loans and leases to total assets | 62.2311% | 2,266 |
| Net loans and leases to deposits | 67.6636% | 2,738 |
| Net loans and leases to core deposits | 69.4241% | 2,915 |
| Total domestic deposits to total assets | 91.9714% | 153 |
| Equity capital to assets | 3.1315% | 4,975 |
| Core capital (leverage) ratio | 3.1050% | 4,976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 5.5357% | 3,079 |
| Memoranda: | ||
| Average total assets | $21,633,500 | 4,932 |
| Average earning assets | $18,396,000 | 4,927 |
| Average equity | $687,500 | 4,976 |
| Average total loans | $14,123,500 | 4,797 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6574% | 973 |
| Cost of funding earning assets | 1.1862% | 296 |
| Net interest margin | 3.4712% | 2,558 |
| Noninterest income to average assets | 0.6961% | 1,878 |
| Noninterest expense to average assets | 5.7372% | 139 |
| Loan and lease loss provision to assets | 0.2807% | 1,361 |
| Net operating income to assets | -4.6369% | 4,987 |
| Return on assets (ROA) | -4.6369% | 4,987 |
| Pretax return on assets | -2.3540% | 4,967 |
| Return on Equity (ROE) | -99.4382% | 5,001 |
| Retained earnings to average equity (ytd only) | -99.4382% | 5,001 |
| Net charge-offs to loans | 1.1334% | 113 |
| Credit loss provision to net charge-offs | 41.6667% | 3,181 |
| Earnings coverage of net charge-offs (x) | -3.0778% | 3,369 |
| Efficiency ratio | 156.5884% | 33 |
| Assets per employee ($millions) | 1.9767% | 4,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8174% | 179 |
| Loan loss allowance to noncurrent loans | 58.0599% | 3,909 |
| Noncurrent assets plus other real estate owned to assets | 6.4662% | 22 |
| Noncurrent loans to loans | 4.8526% | 96 |
| Net loans and leases to total assets | 64.5649% | 2,288 |
| Net loans and leases to deposits | 70.3850% | 2,837 |
| Net loans and leases to core deposits | 71.2821% | 3,153 |
| Total domestic deposits to total assets | 91.7311% | 95 |
| Equity capital to assets | 3.2239% | 4,999 |
| Core capital (leverage) ratio | 3.0254% | 4,999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 5.6579% | 3,103 |
| Memoranda: | ||
| Average total assets | $26,720,400 | 4,894 |
| Average earning assets | $22,845,200 | 4,902 |
| Average equity | $1,246,000 | 4,993 |
| Average total loans | $15,882,000 | 4,788 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5989% | 1,309 |
| Cost of funding earning assets | 1.3530% | 191 |
| Net interest margin | 3.2460% | 3,345 |
| Noninterest income to average assets | 0.6675% | 1,916 |
| Noninterest expense to average assets | 5.5402% | 153 |
| Loan and lease loss provision to assets | 0.3576% | 1,050 |
| Net operating income to assets | -5.3590% | 5,015 |
| Return on assets (ROA) | -5.3590% | 5,014 |
| Pretax return on assets | -2.4507% | 4,993 |
| Return on Equity (ROE) | -108.4195% | 5,031 |
| Retained earnings to average equity (ytd only) | -108.4195% | 5,029 |
| Net charge-offs to loans | 1.5023% | 78 |
| Credit loss provision to net charge-offs | 40.9836% | 2,920 |
| Earnings coverage of net charge-offs (x) | -2.3989% | 3,172 |
| Efficiency ratio | 160.7192% | 32 |
| Assets per employee ($millions) | 2.5591% | 4,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6967% | 192 |
| Loan loss allowance to noncurrent loans | 85.0526% | 3,487 |
| Noncurrent assets plus other real estate owned to assets | 4.6501% | 63 |
| Noncurrent loans to loans | 3.1707% | 279 |
| Net loans and leases to total assets | 56.9614% | 3,528 |
| Net loans and leases to deposits | 61.6624% | 3,949 |
| Net loans and leases to core deposits | 65.9861% | 3,889 |
| Total domestic deposits to total assets | 92.3762% | 33 |
| Equity capital to assets | 3.1925% | 5,028 |
| Core capital (leverage) ratio | 2.9115% | 5,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 6.1995% | 3,125 |
| Memoranda: | ||
| Average total assets | $27,964,500 | 4,922 |
| Average earning assets | $23,947,000 | 4,920 |
| Average equity | $1,382,250 | 5,021 |
| Average total loans | $16,241,000 | 4,813 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8335% | 1,091 |
| Cost of funding earning assets | 1.3973% | 230 |
| Net interest margin | 3.4363% | 2,985 |
| Noninterest income to average assets | 0.7590% | 1,553 |
| Noninterest expense to average assets | 5.5272% | 157 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -1.8493% | 5,013 |
| Return on assets (ROA) | -1.8493% | 5,013 |
| Pretax return on assets | -1.8493% | 5,003 |
| Return on Equity (ROE) | -29.7943% | 5,044 |
| Retained earnings to average equity (ytd only) | -29.7943% | 5,033 |
| Net charge-offs to loans | 0.8982% | 169 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | -3.5733% | 2,969 |
| Efficiency ratio | 150.2814% | 42 |
| Assets per employee ($millions) | 2.6489% | 4,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8613% | 157 |
| Loan loss allowance to noncurrent loans | 73.3221% | 3,655 |
| Noncurrent assets plus other real estate owned to assets | 4.4993% | 64 |
| Noncurrent loans to loans | 3.9023% | 178 |
| Net loans and leases to total assets | 50.9163% | 4,104 |
| Net loans and leases to deposits | 56.4450% | 4,276 |
| Net loans and leases to core deposits | 58.8543% | 4,315 |
| Total domestic deposits to total assets | 90.2052% | 344 |
| Equity capital to assets | 5.7451% | 5,043 |
| Core capital (leverage) ratio | 3.8400% | 5,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 7.6639% | 3,207 |
| Memoranda: | ||
| Average total assets | $28,984,000 | 4,942 |
| Average earning assets | $24,619,667 | 4,945 |
| Average equity | $1,799,000 | 5,044 |
| Average total loans | $16,699,333 | 4,835 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8563% | 1,298 |
| Cost of funding earning assets | 1.4880% | 286 |
| Net interest margin | 3.3684% | 3,403 |
| Noninterest income to average assets | 0.6642% | 1,790 |
| Noninterest expense to average assets | 5.6734% | 167 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -2.1586% | 5,059 |
| Return on assets (ROA) | -2.1586% | 5,045 |
| Pretax return on assets | -2.1586% | 5,031 |
| Return on Equity (ROE) | -33.5214% | 5,088 |
| Retained earnings to average equity (ytd only) | -33.5214% | 5,055 |
| Net charge-offs to loans | 0.5284% | 276 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | -6.7826% | 2,526 |
| Efficiency ratio | 161.4173% | 44 |
| Assets per employee ($millions) | 2.3479% | 4,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9895% | 149 |
| Loan loss allowance to noncurrent loans | 75.2308% | 3,649 |
| Noncurrent assets plus other real estate owned to assets | 4.8447% | 68 |
| Noncurrent loans to loans | 3.9738% | 198 |
| Net loans and leases to total assets | 56.3194% | 3,813 |
| Net loans and leases to deposits | 62.9258% | 4,045 |
| Net loans and leases to core deposits | 65.7114% | 4,095 |
| Total domestic deposits to total assets | 89.5013% | 467 |
| Equity capital to assets | 6.3248% | 5,098 |
| Core capital (leverage) ratio | 4.1166% | 5,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 7.9016% | 3,395 |
| Memoranda: | ||
| Average total assets | $28,907,000 | 4,985 |
| Average earning assets | $24,463,000 | 4,992 |
| Average equity | $1,861,500 | 5,089 |
| Average total loans | $17,412,500 | 4,862 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1801% | 1,041 |
| Cost of funding earning assets | 1.5282% | 370 |
| Net interest margin | 3.6520% | 2,961 |
| Noninterest income to average assets | 0.3467% | 3,630 |
| Noninterest expense to average assets | 5.2797% | 181 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | -1.7732% | 5,126 |
| Return on assets (ROA) | -1.7732% | 5,127 |
| Pretax return on assets | -1.7732% | 5,124 |
| Return on Equity (ROE) | -25.9752% | 5,157 |
| Retained earnings to average equity (ytd only) | -25.9752% | 5,151 |
| Net charge-offs to loans | 0.6898% | 244 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | -3.9862% | 3,675 |
| Efficiency ratio | 150.5687% | 42 |
| Assets per employee ($millions) | 2.4699% | 5,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7724% | 156 |
| Loan loss allowance to noncurrent loans | 69.0027% | 3,782 |
| Noncurrent assets plus other real estate owned to assets | 4.9968% | 62 |
| Noncurrent loans to loans | 4.0178% | 168 |
| Net loans and leases to total assets | 60.5823% | 3,539 |
| Net loans and leases to deposits | 67.7738% | 3,836 |
| Net loans and leases to core deposits | 69.9194% | 3,965 |
| Total domestic deposits to total assets | 89.3890% | 532 |
| Equity capital to assets | 6.5488% | 5,157 |
| Core capital (leverage) ratio | 4.4133% | 5,171 |
| Tier 1 risk-based capital ratio | 6.7497% | 5,169 |
| Total risk-based capital ratio | 8.0163% | 5,169 |
| Memoranda: | ||
| Average total assets | $32,596,600 | 4,999 |
| Average earning assets | $28,204,000 | 5,006 |
| Average equity | $2,225,200 | 5,118 |
| Average total loans | $21,020,200 | 4,835 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2034% | 1,034 |
| Cost of funding earning assets | 1.5150% | 389 |
| Net interest margin | 3.6884% | 2,958 |
| Noninterest income to average assets | 0.2600% | 4,188 |
| Noninterest expense to average assets | 5.2274% | 181 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | -1.7638% | 5,204 |
| Return on assets (ROA) | -1.7638% | 5,204 |
| Pretax return on assets | -1.7638% | 5,200 |
| Return on Equity (ROE) | -25.6065% | 5,237 |
| Retained earnings to average equity (ytd only) | -25.6065% | 5,223 |
| Net charge-offs to loans | 0.8926% | 169 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | -3.0414% | 3,410 |
| Efficiency ratio | 150.9238% | 40 |
| Assets per employee ($millions) | 2.8922% | 4,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6714% | 179 |
| Loan loss allowance to noncurrent loans | 56.3256% | 4,077 |
| Noncurrent assets plus other real estate owned to assets | 4.8061% | 78 |
| Noncurrent loans to loans | 4.7428% | 115 |
| Net loans and leases to total assets | 58.6346% | 3,813 |
| Net loans and leases to deposits | 65.5769% | 4,091 |
| Net loans and leases to core deposits | 68.7376% | 4,122 |
| Total domestic deposits to total assets | 89.4135% | 473 |
| Equity capital to assets | 6.5317% | 5,236 |
| Core capital (leverage) ratio | 4.6370% | 5,247 |
| Tier 1 risk-based capital ratio | 7.2414% | 5,245 |
| Total risk-based capital ratio | 8.5027% | 5,245 |
| Memoranda: | ||
| Average total assets | $33,336,000 | 5,062 |
| Average earning assets | $28,955,000 | 5,075 |
| Average equity | $2,296,250 | 5,192 |
| Average total loans | $21,658,250 | 4,898 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2413% | 909 |
| Cost of funding earning assets | 1.5160% | 360 |
| Net interest margin | 3.7253% | 2,857 |
| Noninterest income to average assets | 0.0473% | 5,174 |
| Noninterest expense to average assets | 5.1709% | 198 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -1.8852% | 5,256 |
| Return on assets (ROA) | -1.8852% | 5,257 |
| Pretax return on assets | -1.8852% | 5,254 |
| Return on Equity (ROE) | -26.9312% | 5,285 |
| Retained earnings to average equity (ytd only) | -26.9312% | 5,266 |
| Net charge-offs to loans | 1.2984% | 95 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | -2.1849% | 3,130 |
| Efficiency ratio | 157.3741% | 36 |
| Assets per employee ($millions) | 2.3027% | 5,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5321% | 215 |
| Loan loss allowance to noncurrent loans | 60.2594% | 4,008 |
| Noncurrent assets plus other real estate owned to assets | 4.5536% | 88 |
| Noncurrent loans to loans | 4.2020% | 162 |
| Net loans and leases to total assets | 61.0150% | 3,648 |
| Net loans and leases to deposits | 68.3936% | 3,944 |
| Net loans and leases to core deposits | 71.6393% | 4,031 |
| Total domestic deposits to total assets | 89.2115% | 588 |
| Equity capital to assets | 6.8242% | 5,275 |
| Core capital (leverage) ratio | 4.9631% | 5,294 |
| Tier 1 risk-based capital ratio | 7.5091% | 5,291 |
| Total risk-based capital ratio | 8.7733% | 5,291 |
| Memoranda: | ||
| Average total assets | $33,843,330 | 5,096 |
| Average earning assets | $29,420,330 | 5,108 |
| Average equity | $2,369,000 | 5,230 |
| Average total loans | $22,489,000 | 4,931 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3092% | 742 |
| Cost of funding earning assets | 1.5397% | 285 |
| Net interest margin | 3.7695% | 2,634 |
| Noninterest income to average assets | 0.4849% | 2,645 |
| Noninterest expense to average assets | 5.1954% | 184 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -1.4316% | 5,305 |
| Return on assets (ROA) | -1.4316% | 5,302 |
| Pretax return on assets | -1.4316% | 5,297 |
| Return on Equity (ROE) | -20.2160% | 5,333 |
| Retained earnings to average equity (ytd only) | -20.2160% | 5,256 |
| Net charge-offs to loans | 2.4701% | 42 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | -0.8493% | 2,691 |
| Efficiency ratio | 138.0368% | 50 |
| Assets per employee ($millions) | 3.0073% | 4,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3759% | 275 |
| Loan loss allowance to noncurrent loans | 35.1686% | 4,538 |
| Noncurrent assets plus other real estate owned to assets | 6.2666% | 43 |
| Noncurrent loans to loans | 6.7556% | 59 |
| Net loans and leases to total assets | 63.4734% | 3,351 |
| Net loans and leases to deposits | 71.4159% | 3,651 |
| Net loans and leases to core deposits | 74.7144% | 3,753 |
| Total domestic deposits to total assets | 88.8785% | 920 |
| Equity capital to assets | 7.2340% | 5,292 |
| Core capital (leverage) ratio | 5.2741% | 5,347 |
| Tier 1 risk-based capital ratio | 7.7957% | 5,348 |
| Total risk-based capital ratio | 9.0563% | 5,346 |
| Memoranda: | ||
| Average total assets | $34,646,000 | 5,138 |
| Average earning assets | $30,136,500 | 5,150 |
| Average equity | $2,453,500 | 5,277 |
| Average total loans | $23,643,000 | 4,956 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0257% | 995 |
| Cost of funding earning assets | 1.5938% | 58 |
| Net interest margin | 3.4319% | 3,904 |
| Noninterest income to average assets | 0.4760% | 2,967 |
| Noninterest expense to average assets | 5.5004% | 155 |
| Loan and lease loss provision to assets | 0.4808% | 251 |
| Net operating income to assets | -2.4665% | 5,381 |
| Return on assets (ROA) | -2.4665% | 5,379 |
| Pretax return on assets | -2.4665% | 5,378 |
| Return on Equity (ROE) | -34.9836% | 5,391 |
| Retained earnings to average equity (ytd only) | -34.9836% | 5,389 |
| Net charge-offs to loans | 1.6191% | 69 |
| Credit loss provision to net charge-offs | 41.1523% | 3,271 |
| Earnings coverage of net charge-offs (x) | -1.6996% | 3,735 |
| Efficiency ratio | 156.4979% | 21 |
| Assets per employee ($millions) | 2.7855% | 5,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5487% | 219 |
| Loan loss allowance to noncurrent loans | 75.1716% | 3,831 |
| Noncurrent assets plus other real estate owned to assets | 4.1257% | 107 |
| Noncurrent loans to loans | 3.3905% | 273 |
| Net loans and leases to total assets | 69.3720% | 2,681 |
| Net loans and leases to deposits | 77.5435% | 3,222 |
| Net loans and leases to core deposits | 80.7671% | 3,369 |
| Total domestic deposits to total assets | 89.4621% | 676 |
| Equity capital to assets | 6.9425% | 5,338 |
| Core capital (leverage) ratio | 5.1657% | 5,392 |
| Tier 1 risk-based capital ratio | 7.1239% | 5,396 |
| Total risk-based capital ratio | 8.3879% | 5,396 |
| Memoranda: | ||
| Average total assets | $41,597,200 | 5,073 |
| Average earning assets | $36,831,000 | 5,090 |
| Average equity | $2,932,800 | 5,284 |
| Average total loans | $30,016,800 | 4,819 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9753% | 981 |
| Cost of funding earning assets | 1.5943% | 44 |
| Net interest margin | 3.3809% | 4,059 |
| Noninterest income to average assets | 0.4657% | 3,065 |
| Noninterest expense to average assets | 5.4892% | 156 |
| Loan and lease loss provision to assets | 0.6210% | 166 |
| Net operating income to assets | -2.6422% | 5,455 |
| Return on assets (ROA) | -2.6422% | 5,452 |
| Pretax return on assets | -2.6422% | 5,450 |
| Return on Equity (ROE) | -37.3544% | 5,463 |
| Retained earnings to average equity (ytd only) | -37.3544% | 5,459 |
| Net charge-offs to loans | 1.6518% | 68 |
| Credit loss provision to net charge-offs | 51.9481% | 2,813 |
| Earnings coverage of net charge-offs (x) | -1.6909% | 3,443 |
| Efficiency ratio | 158.2811% | 20 |
| Assets per employee ($millions) | 2.9914% | 5,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7895% | 172 |
| Loan loss allowance to noncurrent loans | 186.2408% | 2,354 |
| Noncurrent assets plus other real estate owned to assets | 2.6769% | 305 |
| Noncurrent loans to loans | 1.4978% | 1,093 |
| Net loans and leases to total assets | 67.9258% | 2,953 |
| Net loans and leases to deposits | 75.7376% | 3,437 |
| Net loans and leases to core deposits | 81.0550% | 3,402 |
| Total domestic deposits to total assets | 89.6858% | 603 |
| Equity capital to assets | 6.9147% | 5,396 |
| Core capital (leverage) ratio | 5.2959% | 5,466 |
| Tier 1 risk-based capital ratio | 7.2282% | 5,467 |
| Total risk-based capital ratio | 8.4932% | 5,467 |
| Memoranda: | ||
| Average total assets | $42,943,500 | 5,125 |
| Average earning assets | $38,134,500 | 5,137 |
| Average equity | $3,037,500 | 5,347 |
| Average total loans | $31,076,500 | 4,842 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9416% | 938 |
| Cost of funding earning assets | 1.5779% | 38 |
| Net interest margin | 3.3637% | 4,064 |
| Noninterest income to average assets | 0.3070% | 4,118 |
| Noninterest expense to average assets | 5.5220% | 166 |
| Loan and lease loss provision to assets | 0.9030% | 90 |
| Net operating income to assets | -3.1245% | 5,521 |
| Return on assets (ROA) | -3.1245% | 5,518 |
| Pretax return on assets | -3.1245% | 5,516 |
| Return on Equity (ROE) | -43.8854% | 5,529 |
| Retained earnings to average equity (ytd only) | -43.8854% | 5,524 |
| Net charge-offs to loans | 0.8339% | 159 |
| Credit loss provision to net charge-offs | 148.1481% | 1,589 |
| Earnings coverage of net charge-offs (x) | -3.6444% | 3,166 |
| Efficiency ratio | 167.3051% | 21 |
| Assets per employee ($millions) | 3.0155% | 5,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4902% | 82 |
| Loan loss allowance to noncurrent loans | 149.1124% | 2,782 |
| Noncurrent assets plus other real estate owned to assets | 4.0055% | 136 |
| Noncurrent loans to loans | 2.3406% | 577 |
| Net loans and leases to total assets | 66.0232% | 3,148 |
| Net loans and leases to deposits | 73.2594% | 3,602 |
| Net loans and leases to core deposits | 77.3971% | 3,625 |
| Total domestic deposits to total assets | 90.1225% | 529 |
| Equity capital to assets | 6.7437% | 5,471 |
| Core capital (leverage) ratio | 5.2533% | 5,526 |
| Tier 1 risk-based capital ratio | 7.2019% | 5,531 |
| Total risk-based capital ratio | 8.4757% | 5,531 |
| Memoranda: | ||
| Average total assets | $44,295,330 | 5,161 |
| Average earning assets | $39,420,670 | 5,173 |
| Average equity | $3,153,670 | 5,401 |
| Average total loans | $32,377,670 | 4,859 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8704% | 929 |
| Cost of funding earning assets | 1.5609% | 31 |
| Net interest margin | 3.3095% | 4,164 |
| Noninterest income to average assets | 0.2735% | 4,341 |
| Noninterest expense to average assets | 5.6028% | 164 |
| Loan and lease loss provision to assets | 1.7647% | 41 |
| Net operating income to assets | -4.1381% | 5,591 |
| Return on assets (ROA) | -4.1381% | 5,589 |
| Pretax return on assets | -4.1381% | 5,589 |
| Return on Equity (ROE) | -56.7282% | 5,595 |
| Retained earnings to average equity (ytd only) | -56.7282% | 5,592 |
| Net charge-offs to loans | 1.5238% | 90 |
| Credit loss provision to net charge-offs | 153.8462% | 1,217 |
| Earnings coverage of net charge-offs (x) | -2.0692% | 2,680 |
| Efficiency ratio | 173.4973% | 24 |
| Assets per employee ($millions) | 2.7908% | 5,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1332% | 134 |
| Loan loss allowance to noncurrent loans | 119.7400% | 3,130 |
| Noncurrent assets plus other real estate owned to assets | 4.1677% | 148 |
| Noncurrent loans to loans | 2.6167% | 498 |
| Net loans and leases to total assets | 70.1364% | 2,463 |
| Net loans and leases to deposits | 77.9016% | 3,027 |
| Net loans and leases to core deposits | 82.0466% | 3,138 |
| Total domestic deposits to total assets | 90.0320% | 646 |
| Equity capital to assets | 6.8775% | 5,521 |
| Core capital (leverage) ratio | 5.5286% | 5,583 |
| Tier 1 risk-based capital ratio | 7.5864% | 5,590 |
| Total risk-based capital ratio | 8.8585% | 5,591 |
| Memoranda: | ||
| Average total assets | $45,334,500 | 5,202 |
| Average earning assets | $40,489,500 | 5,217 |
| Average equity | $3,307,000 | 5,441 |
| Average total loans | $34,126,000 | 4,860 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5059% | 1,689 |
| Cost of funding earning assets | 1.5691% | 18 |
| Net interest margin | 2.9368% | 4,994 |
| Noninterest income to average assets | 7.2125% | 77 |
| Noninterest expense to average assets | 6.4088% | 137 |
| Loan and lease loss provision to assets | 1.3831% | 65 |
| Net operating income to assets | 2.7530% | 91 |
| Return on assets (ROA) | 2.7530% | 90 |
| Pretax return on assets | 2.0652% | 420 |
| Return on Equity (ROE) | 54.9340% | 8 |
| Retained earnings to average equity (ytd only) | 54.9340% | 2 |
| Net charge-offs to loans | 1.6273% | 98 |
| Credit loss provision to net charge-offs | 109.7923% | 2,377 |
| Earnings coverage of net charge-offs (x) | 2.7374% | 3,713 |
| Efficiency ratio | 65.0171% | 3,442 |
| Assets per employee ($millions) | 2.4219% | 5,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6252% | 214 |
| Loan loss allowance to noncurrent loans | 31.0708% | 4,830 |
| Noncurrent assets plus other real estate owned to assets | 7.9733% | 36 |
| Noncurrent loans to loans | 8.4491% | 41 |
| Net loans and leases to total assets | 76.0127% | 1,591 |
| Net loans and leases to deposits | 85.0860% | 2,361 |
| Net loans and leases to core deposits | 90.4736% | 2,517 |
| Total domestic deposits to total assets | 89.3363% | 853 |
| Equity capital to assets | 7.6995% | 5,485 |
| Core capital (leverage) ratio | 6.2096% | 5,628 |
| Tier 1 risk-based capital ratio | 8.2940% | 5,647 |
| Total risk-based capital ratio | 9.5641% | 5,646 |
| Memoranda: | ||
| Average total assets | $53,504,600 | 5,089 |
| Average earning assets | $48,181,200 | 5,103 |
| Average equity | $2,681,400 | 5,554 |
| Average total loans | $41,418,600 | 4,683 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4474% | 1,794 |
| Cost of funding earning assets | 1.5653% | 17 |
| Net interest margin | 2.8821% | 5,111 |
| Noninterest income to average assets | 9.2287% | 69 |
| Noninterest expense to average assets | 6.2407% | 139 |
| Loan and lease loss provision to assets | 1.4205% | 65 |
| Net operating income to assets | 5.6653% | 30 |
| Return on assets (ROA) | 5.6653% | 30 |
| Pretax return on assets | 4.1653% | 69 |
| Return on Equity (ROE) | 127.2202% | 3 |
| Retained earnings to average equity (ytd only) | 127.2202% | 1 |
| Net charge-offs to loans | 2.0283% | 70 |
| Credit loss provision to net charge-offs | 90.6298% | 2,452 |
| Earnings coverage of net charge-offs (x) | 3.5637% | 3,327 |
| Efficiency ratio | 52.7687% | 5,043 |
| Assets per employee ($millions) | 2.7281% | 5,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2261% | 389 |
| Loan loss allowance to noncurrent loans | 40.2565% | 4,755 |
| Noncurrent assets plus other real estate owned to assets | 5.6286% | 78 |
| Noncurrent loans to loans | 5.5298% | 127 |
| Net loans and leases to total assets | 72.9850% | 2,104 |
| Net loans and leases to deposits | 83.2752% | 2,628 |
| Net loans and leases to core deposits | 88.2889% | 2,741 |
| Total domestic deposits to total assets | 87.6431% | 1,552 |
| Equity capital to assets | 8.9948% | 4,918 |
| Core capital (leverage) ratio | 7.2391% | 5,649 |
| Tier 1 risk-based capital ratio | 9.7513% | 5,641 |
| Total risk-based capital ratio | 11.0182% | 5,611 |
| Memoranda: | ||
| Average total assets | $55,376,750 | 5,112 |
| Average earning assets | $49,915,250 | 5,119 |
| Average equity | $2,466,000 | 5,637 |
| Average total loans | $42,793,000 | 4,693 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5051% | 1,502 |
| Cost of funding earning assets | 1.5683% | 13 |
| Net interest margin | 2.9367% | 5,029 |
| Noninterest income to average assets | 0.3341% | 4,155 |
| Noninterest expense to average assets | 6.6264% | 136 |
| Loan and lease loss provision to assets | 2.0534% | 42 |
| Net operating income to assets | -2.2308% | 5,761 |
| Return on assets (ROA) | -2.2308% | 5,760 |
| Pretax return on assets | -5.6867% | 5,775 |
| Return on Equity (ROE) | -70.6075% | 5,777 |
| Retained earnings to average equity (ytd only) | -70.6075% | 5,771 |
| Net charge-offs to loans | 0.9501% | 207 |
| Credit loss provision to net charge-offs | 276.9953% | 1,016 |
| Earnings coverage of net charge-offs (x) | -4.9014% | 3,463 |
| Efficiency ratio | 221.3953% | 11 |
| Assets per employee ($millions) | 2.9086% | 5,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3864% | 114 |
| Loan loss allowance to noncurrent loans | 68.3379% | 4,212 |
| Noncurrent assets plus other real estate owned to assets | 5.0195% | 102 |
| Noncurrent loans to loans | 4.9553% | 154 |
| Net loans and leases to total assets | 72.3542% | 2,141 |
| Net loans and leases to deposits | 77.2204% | 3,198 |
| Net loans and leases to core deposits | 82.4469% | 3,215 |
| Total domestic deposits to total assets | 93.6983% | 16 |
| Equity capital to assets | 2.8778% | 5,782 |
| Core capital (leverage) ratio | 0.3654% | 5,787 |
| Tier 1 risk-based capital ratio | 0.5357% | 5,787 |
| Total risk-based capital ratio | 1.8108% | 5,787 |
| Memoranda: | ||
| Average total assets | $57,467,000 | 5,111 |
| Average earning assets | $52,030,330 | 5,123 |
| Average equity | $1,815,670 | 5,739 |
| Average total loans | $44,838,670 | 4,666 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4428% | 1,518 |
| Cost of funding earning assets | 1.5165% | 16 |
| Net interest margin | 2.9263% | 5,033 |
| Noninterest income to average assets | 0.3188% | 4,272 |
| Noninterest expense to average assets | 6.2527% | 152 |
| Loan and lease loss provision to assets | 3.8388% | 19 |
| Net operating income to assets | -0.6376% | 5,757 |
| Return on assets (ROA) | -0.6376% | 5,756 |
| Pretax return on assets | -7.0986% | 5,851 |
| Return on Equity (ROE) | -19.4831% | 5,816 |
| Retained earnings to average equity (ytd only) | -19.4831% | 5,719 |
| Net charge-offs to loans | 1.7644% | 87 |
| Credit loss provision to net charge-offs | 274.4186% | 831 |
| Earnings coverage of net charge-offs (x) | -2.3302% | 2,890 |
| Efficiency ratio | 208.9130% | 15 |
| Assets per employee ($millions) | 3.4291% | 4,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7450% | 239 |
| Loan loss allowance to noncurrent loans | 71.6657% | 4,161 |
| Noncurrent assets plus other real estate owned to assets | 3.0191% | 335 |
| Noncurrent loans to loans | 3.8302% | 282 |
| Net loans and leases to total assets | 76.0940% | 1,405 |
| Net loans and leases to deposits | 81.2243% | 2,599 |
| Net loans and leases to core deposits | 87.5259% | 2,585 |
| Total domestic deposits to total assets | 93.6838% | 22 |
| Equity capital to assets | 3.3656% | 5,847 |
| Core capital (leverage) ratio | 1.2127% | 5,854 |
| Tier 1 risk-based capital ratio | 1.6666% | 5,854 |
| Total risk-based capital ratio | 2.9414% | 5,854 |
| Memoranda: | ||
| Average total assets | $61,477,000 | 5,085 |
| Average earning assets | $56,181,000 | 5,097 |
| Average equity | $2,012,000 | 5,784 |
| Average total loans | $48,742,500 | 4,600 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4951% | 1,552 |
| Cost of funding earning assets | 1.5205% | 14 |
| Net interest margin | 2.9746% | 5,009 |
| Noninterest income to average assets | 0.3969% | 3,912 |
| Noninterest expense to average assets | 3.2714% | 1,639 |
| Loan and lease loss provision to assets | 2.7205% | 23 |
| Net operating income to assets | -2.8731% | 5,891 |
| Return on assets (ROA) | -2.8731% | 5,891 |
| Pretax return on assets | -2.8731% | 5,891 |
| Return on Equity (ROE) | -56.0980% | 5,904 |
| Retained earnings to average equity (ytd only) | -59.3524% | 5,903 |
| Net charge-offs to loans | 3.9607% | 24 |
| Credit loss provision to net charge-offs | 85.2967% | 2,891 |
| Earnings coverage of net charge-offs (x) | -0.0478% | 4,136 |
| Efficiency ratio | 104.8913% | 176 |
| Assets per employee ($millions) | 3.8035% | 4,306 |
| Cash dividends to net income (ytd only)* | -5.8014% | 5,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6906% | 1,159 |
| Loan loss allowance to noncurrent loans | 42.5728% | 4,834 |
| Noncurrent assets plus other real estate owned to assets | 3.2061% | 289 |
| Noncurrent loans to loans | 3.9712% | 266 |
| Net loans and leases to total assets | 78.8707% | 1,064 |
| Net loans and leases to deposits | 83.8215% | 2,444 |
| Net loans and leases to core deposits | 92.6241% | 2,241 |
| Total domestic deposits to total assets | 94.0936% | 22 |
| Equity capital to assets | 3.1890% | 5,901 |
| Core capital (leverage) ratio | 2.7708% | 5,905 |
| Tier 1 risk-based capital ratio | 3.6549% | 5,906 |
| Total risk-based capital ratio | 4.9159% | 5,907 |
| Memoranda: | ||
| Average total assets | $70,795,000 | 4,919 |
| Average earning assets | $64,781,800 | 4,925 |
| Average equity | $3,625,800 | 5,686 |
| Average total loans | $57,009,600 | 4,378 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4577% | 1,670 |
| Cost of funding earning assets | 1.5269% | 14 |
| Net interest margin | 2.9308% | 5,131 |
| Noninterest income to average assets | 0.1619% | 5,462 |
| Noninterest expense to average assets | 3.0087% | 2,296 |
| Loan and lease loss provision to assets | 3.5442% | 13 |
| Net operating income to assets | -3.7135% | 5,966 |
| Return on assets (ROA) | -3.7135% | 5,966 |
| Pretax return on assets | -3.7135% | 5,966 |
| Return on Equity (ROE) | -64.9629% | 5,975 |
| Retained earnings to average equity (ytd only) | -68.7615% | 5,973 |
| Net charge-offs to loans | 0.0549% | 2,576 |
| Credit loss provision to net charge-offs | 8,025.0000% | 68 |
| Earnings coverage of net charge-offs (x) | -3.8331% | 3,887 |
| Efficiency ratio | 105.9624% | 156 |
| Assets per employee ($millions) | 3.9943% | 3,980 |
| Cash dividends to net income (ytd only)* | -5.8474% | 5,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6556% | 35 |
| Loan loss allowance to noncurrent loans | 99.8395% | 3,624 |
| Noncurrent assets plus other real estate owned to assets | 4.6228% | 162 |
| Noncurrent loans to loans | 5.6647% | 128 |
| Net loans and leases to total assets | 76.4267% | 1,455 |
| Net loans and leases to deposits | 81.9001% | 2,747 |
| Net loans and leases to core deposits | 90.5168% | 2,526 |
| Total domestic deposits to total assets | 93.3169% | 25 |
| Equity capital to assets | 3.8128% | 5,966 |
| Core capital (leverage) ratio | 3.3865% | 5,970 |
| Tier 1 risk-based capital ratio | 4.4545% | 5,970 |
| Total risk-based capital ratio | 5.7664% | 5,970 |
| Memoranda: | ||
| Average total assets | $72,454,000 | 4,921 |
| Average earning assets | $66,190,750 | 4,928 |
| Average equity | $4,141,750 | 5,684 |
| Average total loans | $58,293,500 | 4,375 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5221% | 1,456 |
| Cost of funding earning assets | 1.5192% | 14 |
| Net interest margin | 3.0029% | 5,076 |
| Noninterest income to average assets | 0.1649% | 5,495 |
| Noninterest expense to average assets | 2.9498% | 2,518 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.0379% | 5,786 |
| Return on assets (ROA) | -0.0379% | 5,809 |
| Pretax return on assets | -0.0379% | 5,804 |
| Return on Equity (ROE) | -0.6009% | 5,821 |
| Retained earnings to average equity (ytd only) | -5.6661% | 5,774 |
| Net charge-offs to loans | -0.0101% | 4,700 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.2999% | 224 |
| Assets per employee ($millions) | 3.6249% | 4,559 |
| Cash dividends to net income (ytd only)* | -842.8571% | 6,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1968% | 548 |
| Loan loss allowance to noncurrent loans | 50.5632% | 4,793 |
| Noncurrent assets plus other real estate owned to assets | 3.5543% | 295 |
| Noncurrent loans to loans | 4.3446% | 253 |
| Net loans and leases to total assets | 78.3460% | 1,153 |
| Net loans and leases to deposits | 86.6229% | 2,177 |
| Net loans and leases to core deposits | 93.0650% | 2,254 |
| Total domestic deposits to total assets | 90.4449% | 333 |
| Equity capital to assets | 6.6687% | 5,983 |
| Core capital (leverage) ratio | 5.6421% | 6,014 |
| Tier 1 risk-based capital ratio | 7.9963% | 6,021 |
| Total risk-based capital ratio | 9.2622% | 6,020 |
| Memoranda: | ||
| Average total assets | $73,971,000 | 4,932 |
| Average earning assets | $67,667,000 | 4,940 |
| Average equity | $4,659,330 | 5,653 |
| Average total loans | $59,389,000 | 4,373 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4778% | 1,573 |
| Cost of funding earning assets | 1.4646% | 20 |
| Net interest margin | 3.0133% | 5,087 |
| Noninterest income to average assets | 0.1202% | 5,738 |
| Noninterest expense to average assets | 2.5823% | 3,805 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3450% | 5,164 |
| Return on assets (ROA) | 0.3450% | 5,252 |
| Pretax return on assets | 0.3450% | 5,415 |
| Return on Equity (ROE) | 5.6260% | 4,162 |
| Retained earnings to average equity (ytd only) | -4.4326% | 5,578 |
| Net charge-offs to loans | -0.0130% | 4,644 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2143% | 797 |
| Assets per employee ($millions) | 4.2214% | 3,545 |
| Cash dividends to net income (ytd only)* | 178.7879% | 302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0152% | 799 |
| Loan loss allowance to noncurrent loans | 121,100.0000% | 8 |
| Noncurrent assets plus other real estate owned to assets | 0.0645% | 5,343 |
| Noncurrent loans to loans | 0.0017% | 5,530 |
| Net loans and leases to total assets | 77.4929% | 1,166 |
| Net loans and leases to deposits | 84.9854% | 2,196 |
| Net loans and leases to core deposits | 91.3127% | 2,247 |
| Total domestic deposits to total assets | 91.1838% | 220 |
| Equity capital to assets | 6.1420% | 6,063 |
| Core capital (leverage) ratio | 5.8025% | 6,070 |
| Tier 1 risk-based capital ratio | 7.8631% | 6,080 |
| Total risk-based capital ratio | 9.1281% | 6,079 |
| Memoranda: | ||
| Average total assets | $76,519,500 | 4,930 |
| Average earning assets | $71,284,500 | 4,892 |
| Average equity | $4,692,500 | 5,682 |
| Average total loans | $61,497,500 | 4,330 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6213% | 1,281 |
| Cost of funding earning assets | 1.2427% | 46 |
| Net interest margin | 3.3786% | 3,998 |
| Noninterest income to average assets | 0.1903% | 5,452 |
| Noninterest expense to average assets | 3.7937% | 870 |
| Loan and lease loss provision to assets | 0.7597% | 130 |
| Net operating income to assets | -1.2323% | 6,115 |
| Return on assets (ROA) | -1.2323% | 6,116 |
| Pretax return on assets | -1.1913% | 6,111 |
| Return on Equity (ROE) | -15.6387% | 6,122 |
| Retained earnings to average equity (ytd only) | -22.5938% | 6,125 |
| Net charge-offs to loans | 0.2062% | 1,427 |
| Credit loss provision to net charge-offs | 458.4158% | 672 |
| Earnings coverage of net charge-offs (x) | -2.6040% | 4,367 |
| Efficiency ratio | 112.8355% | 118 |
| Assets per employee ($millions) | 3.8763% | 4,164 |
| Cash dividends to net income (ytd only)* | -44.4740% | 6,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9745% | 4,740 |
| Loan loss allowance to noncurrent loans | 61,300.0000% | 22 |
| Noncurrent assets plus other real estate owned to assets | 0.0632% | 5,395 |
| Noncurrent loans to loans | 0.0016% | 5,570 |
| Net loans and leases to total assets | 80.3447% | 792 |
| Net loans and leases to deposits | 88.5464% | 1,806 |
| Net loans and leases to core deposits | 95.0106% | 1,941 |
| Total domestic deposits to total assets | 90.7373% | 362 |
| Equity capital to assets | 6.6945% | 6,083 |
| Core capital (leverage) ratio | 6.7178% | 6,076 |
| Tier 1 risk-based capital ratio | 8.5482% | 6,126 |
| Total risk-based capital ratio | 9.5802% | 6,131 |
| Memoranda: | ||
| Average total assets | $60,943,600 | 5,299 |
| Average earning assets | $57,213,400 | 5,262 |
| Average equity | $4,802,200 | 5,698 |
| Average total loans | $48,970,800 | 4,703 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5674% | 1,419 |
| Cost of funding earning assets | 1.1593% | 70 |
| Net interest margin | 3.4081% | 3,920 |
| Noninterest income to average assets | 0.1972% | 5,465 |
| Noninterest expense to average assets | 2.8568% | 2,986 |
| Loan and lease loss provision to assets | 0.7347% | 108 |
| Net operating income to assets | -0.1925% | 6,042 |
| Return on assets (ROA) | -0.1925% | 6,057 |
| Pretax return on assets | -0.1925% | 6,046 |
| Return on Equity (ROE) | -2.3236% | 6,082 |
| Retained earnings to average equity (ytd only) | -2.3236% | 5,887 |
| Net charge-offs to loans | 0.1378% | 1,747 |
| Credit loss provision to net charge-offs | 665.9574% | 515 |
| Earnings coverage of net charge-offs (x) | 4.9145% | 3,279 |
| Efficiency ratio | 84.0470% | 1,165 |
| Assets per employee ($millions) | 2.4243% | 5,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8603% | 5,325 |
| Loan loss allowance to noncurrent loans | 51,700.0000% | 28 |
| Noncurrent assets plus other real estate owned to assets | 0.0319% | 5,661 |
| Noncurrent loans to loans | 0.0017% | 5,667 |
| Net loans and leases to total assets | 79.2753% | 911 |
| Net loans and leases to deposits | 87.0042% | 2,027 |
| Net loans and leases to core deposits | 99.8860% | 1,528 |
| Total domestic deposits to total assets | 91.1167% | 222 |
| Equity capital to assets | 7.2573% | 6,110 |
| Core capital (leverage) ratio | 7.8371% | 5,968 |
| Tier 1 risk-based capital ratio | 9.4036% | 6,157 |
| Total risk-based capital ratio | 10.3172% | 6,175 |
| Memoranda: | ||
| Average total assets | $56,798,000 | 5,460 |
| Average earning assets | $53,362,250 | 5,423 |
| Average equity | $4,705,250 | 5,797 |
| Average total loans | $45,488,250 | 4,858 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5608% | 1,376 |
| Cost of funding earning assets | 1.1570% | 68 |
| Net interest margin | 3.4038% | 3,897 |
| Noninterest income to average assets | 0.2289% | 5,327 |
| Noninterest expense to average assets | 2.8571% | 3,041 |
| Loan and lease loss provision to assets | 1.2352% | 51 |
| Net operating income to assets | -0.7577% | 6,235 |
| Return on assets (ROA) | -0.7577% | 6,239 |
| Pretax return on assets | -0.6709% | 6,214 |
| Return on Equity (ROE) | -8.6182% | 6,245 |
| Retained earnings to average equity (ytd only) | -8.6182% | 6,149 |
| Net charge-offs to loans | 0.2610% | 999 |
| Credit loss provision to net charge-offs | 590.5660% | 562 |
| Earnings coverage of net charge-offs (x) | 2.6981% | 3,302 |
| Efficiency ratio | 83.5063% | 1,314 |
| Assets per employee ($millions) | 2.1755% | 6,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0588% | 4,547 |
| Loan loss allowance to noncurrent loans | 25,550.0000% | 31 |
| Noncurrent assets plus other real estate owned to assets | 0.0821% | 5,543 |
| Noncurrent loans to loans | 0.0041% | 5,760 |
| Net loans and leases to total assets | 78.3912% | 1,014 |
| Net loans and leases to deposits | 86.0443% | 2,048 |
| Net loans and leases to core deposits | 92.8467% | 2,081 |
| Total domestic deposits to total assets | 91.1056% | 276 |
| Equity capital to assets | 8.7696% | 5,463 |
| Core capital (leverage) ratio | 9.4913% | 4,297 |
| Tier 1 risk-based capital ratio | 10.6435% | 5,862 |
| Total risk-based capital ratio | 11.6599% | 5,898 |
| Memoranda: | ||
| Average total assets | $50,680,000 | 5,656 |
| Average earning assets | $47,535,000 | 5,621 |
| Average equity | $4,455,670 | 5,904 |
| Average total loans | $40,619,670 | 5,083 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1953% | 2,477 |
| Cost of funding earning assets | 1.1306% | 83 |
| Net interest margin | 3.0647% | 5,045 |
| Noninterest income to average assets | 0.4214% | 3,832 |
| Noninterest expense to average assets | 2.5372% | 4,151 |
| Loan and lease loss provision to assets | 0.0263% | 3,359 |
| Net operating income to assets | 0.5882% | 4,330 |
| Return on assets (ROA) | 0.5882% | 4,430 |
| Pretax return on assets | 0.7374% | 4,473 |
| Return on Equity (ROE) | 6.6791% | 3,666 |
| Retained earnings to average equity (ytd only) | 6.6791% | 2,155 |
| Net charge-offs to loans | -0.0544% | 5,556 |
| Credit loss provision to net charge-offs | -60.0000% | 4,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8617% | 2,363 |
| Assets per employee ($millions) | 2.8801% | 5,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6125% | 6,047 |
| Loan loss allowance to noncurrent loans | 264.2857% | 1,773 |
| Noncurrent assets plus other real estate owned to assets | 0.2334% | 4,998 |
| Noncurrent loans to loans | 0.2317% | 4,946 |
| Net loans and leases to total assets | 81.0748% | 559 |
| Net loans and leases to deposits | 90.4883% | 1,339 |
| Net loans and leases to core deposits | 98.5602% | 1,423 |
| Total domestic deposits to total assets | 89.5970% | 944 |
| Equity capital to assets | 10.2197% | 3,859 |
| Core capital (leverage) ratio | 11.8319% | 1,753 |
| Tier 1 risk-based capital ratio | 13.1227% | 4,546 |
| Total risk-based capital ratio | 13.7800% | 4,797 |
| Memoranda: | ||
| Average total assets | $45,562,500 | 5,832 |
| Average earning assets | $42,810,000 | 5,789 |
| Average equity | $4,012,500 | 6,050 |
| Average total loans | $36,798,000 | 5,261 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8382% | 1,032 |
| Cost of funding earning assets | 1.0285% | 197 |
| Net interest margin | 3.8097% | 2,592 |
| Noninterest income to average assets | 0.8422% | 1,709 |
| Noninterest expense to average assets | 3.0870% | 2,570 |
| Loan and lease loss provision to assets | 0.2073% | 1,209 |
| Net operating income to assets | 0.8577% | 3,073 |
| Return on assets (ROA) | 0.7904% | 3,520 |
| Pretax return on assets | 0.9912% | 3,534 |
| Return on Equity (ROE) | 9.7273% | 2,240 |
| Retained earnings to average equity (ytd only) | 8.7307% | 761 |
| Net charge-offs to loans | -0.0122% | 5,596 |
| Credit loss provision to net charge-offs | -2,133.3333% | 5,987 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6449% | 3,436 |
| Assets per employee ($millions) | 4.3649% | 3,244 |
| Cash dividends to net income (ytd only)* | 10.2459% | 4,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8017% | 5,767 |
| Loan loss allowance to noncurrent loans | 8,366.6667% | 107 |
| Noncurrent assets plus other real estate owned to assets | 0.0662% | 5,759 |
| Noncurrent loans to loans | 0.0096% | 5,884 |
| Net loans and leases to total assets | 79.0551% | 880 |
| Net loans and leases to deposits | 85.0337% | 2,095 |
| Net loans and leases to core deposits | 100.1451% | 1,387 |
| Total domestic deposits to total assets | 92.9691% | 71 |
| Equity capital to assets | 6.9418% | 6,338 |
| Core capital (leverage) ratio | 8.0289% | 5,985 |
| Tier 1 risk-based capital ratio | 8.2630% | 6,436 |
| Total risk-based capital ratio | 9.0448% | 6,448 |
| Memoranda: | ||
| Average total assets | $30,871,800 | 6,235 |
| Average earning assets | $28,584,800 | 6,210 |
| Average equity | $2,508,400 | 6,351 |
| Average total loans | $24,595,600 | 5,795 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0517% | 703 |
| Cost of funding earning assets | 1.0445% | 199 |
| Net interest margin | 4.0072% | 1,854 |
| Noninterest income to average assets | 0.7647% | 2,033 |
| Noninterest expense to average assets | 3.2442% | 2,044 |
| Loan and lease loss provision to assets | 0.1344% | 1,857 |
| Net operating income to assets | 0.7505% | 3,667 |
| Return on assets (ROA) | 0.6674% | 4,214 |
| Pretax return on assets | 0.9640% | 3,742 |
| Return on Equity (ROE) | 7.8248% | 3,300 |
| Retained earnings to average equity (ytd only) | 7.0639% | 1,787 |
| Net charge-offs to loans | -0.0058% | 5,323 |
| Credit loss provision to net charge-offs | -2,900.0000% | 6,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6895% | 3,064 |
| Assets per employee ($millions) | 4.3751% | 3,170 |
| Cash dividends to net income (ytd only)* | 9.7240% | 3,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8968% | 5,609 |
| Loan loss allowance to noncurrent loans | 225.2632% | 1,969 |
| Noncurrent assets plus other real estate owned to assets | 0.3853% | 4,771 |
| Noncurrent loans to loans | 0.3981% | 4,716 |
| Net loans and leases to total assets | 77.2187% | 1,063 |
| Net loans and leases to deposits | 84.3944% | 2,095 |
| Net loans and leases to core deposits | 90.0194% | 2,224 |
| Total domestic deposits to total assets | 91.4974% | 234 |
| Equity capital to assets | 8.2936% | 5,949 |
| Core capital (leverage) ratio | 8.1448% | 5,975 |
| Tier 1 risk-based capital ratio | 10.5312% | 6,203 |
| Total risk-based capital ratio | 11.4370% | 6,265 |
| Memoranda: | ||
| Average total assets | $28,768,750 | 6,345 |
| Average earning assets | $26,551,500 | 6,329 |
| Average equity | $2,453,750 | 6,434 |
| Average total loans | $22,917,750 | 5,917 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4328% | 351 |
| Cost of funding earning assets | 1.0388% | 210 |
| Net interest margin | 4.3939% | 859 |
| Noninterest income to average assets | 0.4121% | 4,154 |
| Noninterest expense to average assets | 3.2469% | 2,061 |
| Loan and lease loss provision to assets | 0.0995% | 2,364 |
| Net operating income to assets | 0.7923% | 3,370 |
| Return on assets (ROA) | 0.7318% | 3,760 |
| Pretax return on assets | 1.0373% | 3,335 |
| Return on Equity (ROE) | 8.4948% | 2,839 |
| Retained earnings to average equity (ytd only) | 7.5052% | 1,517 |
| Net charge-offs to loans | -0.0177% | 5,499 |
| Credit loss provision to net charge-offs | -700.0000% | 5,654 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6550% | 3,217 |
| Assets per employee ($millions) | 4.1134% | 3,620 |
| Cash dividends to net income (ytd only)* | 11.6505% | 3,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8503% | 5,871 |
| Loan loss allowance to noncurrent loans | 208.3333% | 2,061 |
| Noncurrent assets plus other real estate owned to assets | 0.4133% | 4,772 |
| Noncurrent loans to loans | 0.4082% | 4,767 |
| Net loans and leases to total assets | 80.9891% | 575 |
| Net loans and leases to deposits | 88.7603% | 1,505 |
| Net loans and leases to core deposits | 95.0595% | 1,682 |
| Total domestic deposits to total assets | 91.2447% | 326 |
| Equity capital to assets | 8.6337% | 5,681 |
| Core capital (leverage) ratio | 8.4449% | 5,693 |
| Tier 1 risk-based capital ratio | 9.8742% | 6,430 |
| Total risk-based capital ratio | 10.6856% | 6,488 |
| Memoranda: | ||
| Average total assets | $28,149,670 | 6,424 |
| Average earning assets | $25,990,330 | 6,396 |
| Average equity | $2,425,000 | 6,492 |
| Average total loans | $22,602,670 | 5,975 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2990% | 409 |
| Cost of funding earning assets | 1.0101% | 261 |
| Net interest margin | 4.2890% | 1,019 |
| Noninterest income to average assets | 0.5750% | 2,886 |
| Noninterest expense to average assets | 3.2342% | 2,113 |
| Loan and lease loss provision to assets | 0.1581% | 1,538 |
| Net operating income to assets | 0.8768% | 2,763 |
| Return on assets (ROA) | 0.8768% | 2,829 |
| Pretax return on assets | 1.1499% | 2,698 |
| Return on Equity (ROE) | 10.1900% | 1,965 |
| Retained earnings to average equity (ytd only) | 10.1900% | 918 |
| Net charge-offs to loans | -0.0361% | 5,664 |
| Credit loss provision to net charge-offs | -550.0000% | 5,207 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2025% | 3,626 |
| Assets per employee ($millions) | 3.5639% | 4,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8730% | 5,942 |
| Loan loss allowance to noncurrent loans | 54.5706% | 5,032 |
| Noncurrent assets plus other real estate owned to assets | 1.3504% | 2,615 |
| Noncurrent loans to loans | 1.5998% | 2,420 |
| Net loans and leases to total assets | 78.4574% | 708 |
| Net loans and leases to deposits | 85.9355% | 1,612 |
| Net loans and leases to core deposits | 92.0876% | 1,723 |
| Total domestic deposits to total assets | 91.2981% | 448 |
| Equity capital to assets | 8.5371% | 5,618 |
| Core capital (leverage) ratio | 8.4847% | 5,667 |
| Tier 1 risk-based capital ratio | 10.0260% | 6,469 |
| Total risk-based capital ratio | 10.8535% | 6,519 |
| Memoranda: | ||
| Average total assets | $27,827,500 | 6,499 |
| Average earning assets | $25,740,500 | 6,465 |
| Average equity | $2,394,500 | 6,554 |
| Average total loans | $22,144,000 | 6,040 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1979% | 645 |
| Cost of funding earning assets | 1.0267% | 394 |
| Net interest margin | 4.1711% | 1,442 |
| Noninterest income to average assets | 0.7253% | 2,405 |
| Noninterest expense to average assets | 3.7496% | 1,213 |
| Loan and lease loss provision to assets | 0.1863% | 1,979 |
| Net operating income to assets | 0.5695% | 4,415 |
| Return on assets (ROA) | 0.6144% | 4,314 |
| Pretax return on assets | 0.7055% | 4,522 |
| Return on Equity (ROE) | 6.8724% | 3,635 |
| Retained earnings to average equity (ytd only) | 6.8724% | 1,490 |
| Net charge-offs to loans | 0.1267% | 3,550 |
| Credit loss provision to net charge-offs | 188.0000% | 1,215 |
| Earnings coverage of net charge-offs (x) | 8.4800% | 2,663 |
| Efficiency ratio | 81.6926% | 1,921 |
| Assets per employee ($millions) | 3.3930% | 5,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8517% | 6,055 |
| Loan loss allowance to noncurrent loans | 69.5489% | 4,498 |
| Noncurrent assets plus other real estate owned to assets | 1.0573% | 3,302 |
| Noncurrent loans to loans | 1.2246% | 3,098 |
| Net loans and leases to total assets | 79.3435% | 667 |
| Net loans and leases to deposits | 87.0147% | 1,575 |
| Net loans and leases to core deposits | 91.9795% | 1,797 |
| Total domestic deposits to total assets | 91.1841% | 504 |
| Equity capital to assets | 8.6760% | 5,399 |
| Core capital (leverage) ratio | 8.7882% | 5,302 |
| Tier 1 risk-based capital ratio | 10.4653% | 6,374 |
| Total risk-based capital ratio | 11.3027% | 6,465 |
| Memoranda: | ||
| Average total assets | $25,229,200 | 6,621 |
| Average earning assets | $23,375,000 | 6,590 |
| Average equity | $2,255,400 | 6,655 |
| Average total loans | $19,736,600 | 6,215 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1850% | 673 |
| Cost of funding earning assets | 1.0288% | 428 |
| Net interest margin | 4.1561% | 1,464 |
| Noninterest income to average assets | 0.7596% | 2,321 |
| Noninterest expense to average assets | 3.6631% | 1,300 |
| Loan and lease loss provision to assets | 0.2263% | 1,602 |
| Net operating income to assets | 0.6092% | 4,309 |
| Return on assets (ROA) | 0.6680% | 4,166 |
| Pretax return on assets | 0.7919% | 4,324 |
| Return on Equity (ROE) | 7.4122% | 3,427 |
| Retained earnings to average equity (ytd only) | 7.4122% | 1,680 |
| Net charge-offs to loans | 0.1940% | 2,680 |
| Credit loss provision to net charge-offs | 150.0000% | 1,565 |
| Earnings coverage of net charge-offs (x) | 6.2861% | 3,003 |
| Efficiency ratio | 79.4393% | 2,192 |
| Assets per employee ($millions) | 3.2839% | 5,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8477% | 6,188 |
| Loan loss allowance to noncurrent loans | 45.1031% | 5,438 |
| Noncurrent assets plus other real estate owned to assets | 2.0593% | 1,955 |
| Noncurrent loans to loans | 1.8795% | 2,399 |
| Net loans and leases to total assets | 77.9148% | 755 |
| Net loans and leases to deposits | 85.7017% | 1,650 |
| Net loans and leases to core deposits | 90.7797% | 1,893 |
| Total domestic deposits to total assets | 90.9139% | 572 |
| Equity capital to assets | 8.8653% | 5,338 |
| Core capital (leverage) ratio | 8.6977% | 5,542 |
| Tier 1 risk-based capital ratio | 10.6973% | 6,393 |
| Total risk-based capital ratio | 11.5234% | 6,489 |
| Memoranda: | ||
| Average total assets | $24,750,500 | 6,703 |
| Average earning assets | $22,937,500 | 6,676 |
| Average equity | $2,230,500 | 6,737 |
| Average total loans | $19,240,250 | 6,304 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1918% | 645 |
| Cost of funding earning assets | 1.0152% | 508 |
| Net interest margin | 4.1766% | 1,343 |
| Noninterest income to average assets | 0.6847% | 2,720 |
| Noninterest expense to average assets | 3.6711% | 1,300 |
| Loan and lease loss provision to assets | 0.2062% | 1,837 |
| Net operating income to assets | 0.5976% | 4,296 |
| Return on assets (ROA) | 0.6847% | 4,045 |
| Pretax return on assets | 0.7755% | 4,408 |
| Return on Equity (ROE) | 7.5535% | 3,322 |
| Retained earnings to average equity (ytd only) | 7.5535% | 1,648 |
| Net charge-offs to loans | 0.0852% | 3,512 |
| Credit loss provision to net charge-offs | 312.5000% | 824 |
| Earnings coverage of net charge-offs (x) | 13.3750% | 1,906 |
| Efficiency ratio | 80.6159% | 2,076 |
| Assets per employee ($millions) | 3.1670% | 5,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8823% | 6,185 |
| Loan loss allowance to noncurrent loans | 50.4225% | 5,187 |
| Noncurrent assets plus other real estate owned to assets | 1.7998% | 2,414 |
| Noncurrent loans to loans | 1.7498% | 2,698 |
| Net loans and leases to total assets | 79.3693% | 598 |
| Net loans and leases to deposits | 87.2673% | 1,432 |
| Net loans and leases to core deposits | 92.6639% | 1,642 |
| Total domestic deposits to total assets | 90.9496% | 564 |
| Equity capital to assets | 8.9241% | 5,298 |
| Core capital (leverage) ratio | 9.1066% | 4,819 |
| Tier 1 risk-based capital ratio | 10.8971% | 6,379 |
| Total risk-based capital ratio | 11.7766% | 6,470 |
| Memoranda: | ||
| Average total assets | $24,243,670 | 6,764 |
| Average earning assets | $22,458,330 | 6,737 |
| Average equity | $2,197,670 | 6,790 |
| Average total loans | $18,772,330 | 6,364 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1548% | 672 |
| Cost of funding earning assets | 1.0383% | 502 |
| Net interest margin | 4.1166% | 1,412 |
| Noninterest income to average assets | 0.6752% | 2,723 |
| Noninterest expense to average assets | 3.9498% | 941 |
| Loan and lease loss provision to assets | 0.2701% | 1,311 |
| Net operating income to assets | 0.4051% | 5,111 |
| Return on assets (ROA) | 0.5233% | 4,702 |
| Pretax return on assets | 0.3882% | 5,603 |
| Return on Equity (ROE) | 5.7248% | 4,191 |
| Retained earnings to average equity (ytd only) | 5.7248% | 2,828 |
| Net charge-offs to loans | 0.1776% | 2,327 |
| Credit loss provision to net charge-offs | 200.0000% | 1,079 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 2,634 |
| Efficiency ratio | 87.9699% | 1,333 |
| Assets per employee ($millions) | 3.0431% | 5,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9480% | 6,140 |
| Loan loss allowance to noncurrent loans | 67.0588% | 4,443 |
| Noncurrent assets plus other real estate owned to assets | 1.4623% | 3,061 |
| Noncurrent loans to loans | 1.4137% | 3,448 |
| Net loans and leases to total assets | 73.3908% | 1,154 |
| Net loans and leases to deposits | 81.1325% | 1,939 |
| Net loans and leases to core deposits | 86.3641% | 2,072 |
| Total domestic deposits to total assets | 90.4580% | 790 |
| Equity capital to assets | 9.3695% | 5,032 |
| Core capital (leverage) ratio | 9.2490% | 4,482 |
| Tier 1 risk-based capital ratio | 11.6901% | 6,090 |
| Total risk-based capital ratio | 12.6204% | 6,224 |
| Memoranda: | ||
| Average total assets | $23,697,500 | 6,842 |
| Average earning assets | $21,960,000 | 6,814 |
| Average equity | $2,166,000 | 6,859 |
| Average total loans | $18,014,500 | 6,451 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8422% | 342 |
| Cost of funding earning assets | 1.0554% | 1,097 |
| Net interest margin | 4.7868% | 553 |
| Noninterest income to average assets | 0.7713% | 2,387 |
| Noninterest expense to average assets | 4.6179% | 509 |
| Loan and lease loss provision to assets | 0.2636% | 2,535 |
| Net operating income to assets | 0.2427% | 5,655 |
| Return on assets (ROA) | 0.4686% | 5,061 |
| Pretax return on assets | 0.5272% | 5,199 |
| Return on Equity (ROE) | 5.0452% | 4,658 |
| Retained earnings to average equity (ytd only) | 5.0452% | 2,673 |
| Net charge-offs to loans | 0.2908% | 3,196 |
| Credit loss provision to net charge-offs | 120.0000% | 2,388 |
| Earnings coverage of net charge-offs (x) | 2.4444% | 4,188 |
| Efficiency ratio | 89.5833% | 1,102 |
| Assets per employee ($millions) | 2.3050% | 6,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9005% | 6,261 |
| Loan loss allowance to noncurrent loans | 86.1702% | 3,723 |
| Noncurrent assets plus other real estate owned to assets | 1.2538% | 3,552 |
| Noncurrent loans to loans | 1.0450% | 4,127 |
| Net loans and leases to total assets | 77.3492% | 753 |
| Net loans and leases to deposits | 85.0417% | 1,632 |
| Net loans and leases to core deposits | 90.8160% | 1,737 |
| Total domestic deposits to total assets | 90.9544% | 512 |
| Equity capital to assets | 8.8980% | 5,638 |
| Core capital (leverage) ratio | 8.4533% | 5,690 |
| Tier 1 risk-based capital ratio | 10.7107% | 6,469 |
| Total risk-based capital ratio | 11.6144% | 6,564 |
| Memoranda: | ||
| Average total assets | $20,485,400 | 6,949 |
| Average earning assets | $18,760,000 | 6,927 |
| Average equity | $1,902,800 | 6,965 |
| Average total loans | $15,474,200 | 6,633 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8524% | 366 |
| Cost of funding earning assets | 1.0146% | 1,475 |
| Net interest margin | 4.8377% | 534 |
| Noninterest income to average assets | 0.8130% | 2,179 |
| Noninterest expense to average assets | 4.8913% | 392 |
| Loan and lease loss provision to assets | 0.2486% | 2,576 |
| Net operating income to assets | 0.0796% | 6,158 |
| Return on assets (ROA) | 0.3695% | 5,573 |
| Pretax return on assets | 0.4435% | 5,613 |
| Return on Equity (ROE) | 3.9303% | 5,318 |
| Retained earnings to average equity (ytd only) | 3.9303% | 4,119 |
| Net charge-offs to loans | -0.0269% | 6,560 |
| Credit loss provision to net charge-offs | -1,233.3333% | 6,565 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4531% | 812 |
| Assets per employee ($millions) | 2.2326% | 6,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0907% | 5,755 |
| Loan loss allowance to noncurrent loans | 387.7551% | 968 |
| Noncurrent assets plus other real estate owned to assets | 0.6943% | 4,947 |
| Noncurrent loans to loans | 0.2813% | 5,929 |
| Net loans and leases to total assets | 77.1746% | 833 |
| Net loans and leases to deposits | 84.9438% | 1,736 |
| Net loans and leases to core deposits | 101.5561% | 1,017 |
| Total domestic deposits to total assets | 90.8537% | 451 |
| Equity capital to assets | 8.9985% | 5,827 |
| Core capital (leverage) ratio | 8.5759% | 5,659 |
| Tier 1 risk-based capital ratio | 10.9646% | 6,497 |
| Total risk-based capital ratio | 12.0781% | 6,531 |
| Memoranda: | ||
| Average total assets | $19,844,250 | 7,048 |
| Average earning assets | $18,134,750 | 7,027 |
| Average equity | $1,865,750 | 7,066 |
| Average total loans | $14,845,000 | 6,753 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8332% | 385 |
| Cost of funding earning assets | 1.0606% | 1,411 |
| Net interest margin | 4.7726% | 590 |
| Noninterest income to average assets | 0.8098% | 2,140 |
| Noninterest expense to average assets | 4.9009% | 402 |
| Loan and lease loss provision to assets | 0.2103% | 2,977 |
| Net operating income to assets | 0.0442% | 6,265 |
| Return on assets (ROA) | 0.3891% | 5,492 |
| Pretax return on assets | 0.4838% | 5,485 |
| Return on Equity (ROE) | 4.0704% | 5,231 |
| Retained earnings to average equity (ytd only) | 4.0704% | 3,897 |
| Net charge-offs to loans | 0.0143% | 5,235 |
| Credit loss provision to net charge-offs | 2,000.0000% | 151 |
| Earnings coverage of net charge-offs (x) | 25.0000% | 1,208 |
| Efficiency ratio | 94.9084% | 761 |
| Assets per employee ($millions) | 1.8253% | 7,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1310% | 5,644 |
| Loan loss allowance to noncurrent loans | 8,450.0000% | 81 |
| Noncurrent assets plus other real estate owned to assets | 0.6525% | 5,150 |
| Noncurrent loans to loans | 0.0134% | 6,664 |
| Net loans and leases to total assets | 73.5830% | 1,310 |
| Net loans and leases to deposits | 81.8550% | 2,129 |
| Net loans and leases to core deposits | 88.2979% | 2,177 |
| Total domestic deposits to total assets | 89.8944% | 984 |
| Equity capital to assets | 9.9512% | 4,413 |
| Core capital (leverage) ratio | 9.5923% | 4,014 |
| Tier 1 risk-based capital ratio | 12.4957% | 5,567 |
| Total risk-based capital ratio | 13.6478% | 5,634 |
| Memoranda: | ||
| Average total assets | $19,017,000 | 7,124 |
| Average earning assets | $17,349,000 | 7,100 |
| Average equity | $1,818,000 | 7,123 |
| Average total loans | $13,986,670 | 6,844 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3358% | 198 |
| Cost of funding earning assets | 1.1153% | 1,319 |
| Net interest margin | 5.2205% | 289 |
| Noninterest income to average assets | 0.9088% | 1,709 |
| Noninterest expense to average assets | 5.2363% | 320 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2835% | 5,711 |
| Return on assets (ROA) | 0.3678% | 5,574 |
| Pretax return on assets | 0.5626% | 5,229 |
| Return on Equity (ROE) | 3.9352% | 5,328 |
| Retained earnings to average equity (ytd only) | 3.9352% | 4,226 |
| Net charge-offs to loans | 0.0592% | 3,908 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 1,788 |
| Efficiency ratio | 92.3664% | 925 |
| Assets per employee ($millions) | 1.7508% | 7,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1205% | 5,836 |
| Loan loss allowance to noncurrent loans | 3,700.0000% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.6906% | 5,169 |
| Noncurrent loans to loans | 0.0303% | 6,693 |
| Net loans and leases to total assets | 67.8125% | 2,145 |
| Net loans and leases to deposits | 75.8068% | 2,826 |
| Net loans and leases to core deposits | 77.2873% | 3,427 |
| Total domestic deposits to total assets | 89.4543% | 1,396 |
| Equity capital to assets | 10.3121% | 3,719 |
| Core capital (leverage) ratio | 9.9130% | 3,478 |
| Tier 1 risk-based capital ratio | 14.0749% | 4,415 |
| Total risk-based capital ratio | 15.2245% | 4,452 |
| Memoranda: | ||
| Average total assets | $18,486,500 | 7,194 |
| Average earning assets | $16,856,500 | 7,176 |
| Average equity | $1,728,000 | 7,195 |
| Average total loans | $13,508,500 | 6,916 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4698% | 189 |
| Cost of funding earning assets | 1.2580% | 1,691 |
| Net interest margin | 5.2118% | 278 |
| Noninterest income to average assets | 0.6122% | 3,101 |
| Noninterest expense to average assets | 5.0566% | 369 |
| Loan and lease loss provision to assets | 0.6240% | 1,642 |
| Net operating income to assets | -0.0412% | 6,095 |
| Return on assets (ROA) | -0.0412% | 6,194 |
| Pretax return on assets | -0.2884% | 6,347 |
| Return on Equity (ROE) | -0.5191% | 6,207 |
| Retained earnings to average equity (ytd only) | -0.5191% | 5,938 |
| Net charge-offs to loans | 0.2790% | 4,028 |
| Credit loss provision to net charge-offs | 294.4444% | 804 |
| Earnings coverage of net charge-offs (x) | 1.5833% | 4,585 |
| Efficiency ratio | 93.7773% | 936 |
| Assets per employee ($millions) | 2.2143% | 7,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0862% | 5,866 |
| Loan loss allowance to noncurrent loans | 1,363.6364% | 316 |
| Noncurrent assets plus other real estate owned to assets | 0.8016% | 5,031 |
| Noncurrent loans to loans | 0.0797% | 6,613 |
| Net loans and leases to total assets | 77.1085% | 811 |
| Net loans and leases to deposits | 84.2836% | 1,887 |
| Net loans and leases to core deposits | 86.0301% | 2,631 |
| Total domestic deposits to total assets | 91.4870% | 337 |
| Equity capital to assets | 8.2985% | 6,355 |
| Core capital (leverage) ratio | 7.3461% | 6,726 |
| Tier 1 risk-based capital ratio | 10.1622% | 6,811 |
| Total risk-based capital ratio | 11.3429% | 6,818 |
| Memoranda: | ||
| Average total assets | $16,987,600 | 7,261 |
| Average earning assets | $15,580,000 | 7,240 |
| Average equity | $1,348,400 | 7,305 |
| Average total loans | $12,902,800 | 6,997 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3612% | 243 |
| Cost of funding earning assets | 1.2860% | 1,780 |
| Net interest margin | 5.0751% | 360 |
| Noninterest income to average assets | 0.6585% | 2,833 |
| Noninterest expense to average assets | 5.1171% | 338 |
| Loan and lease loss provision to assets | 0.8409% | 1,092 |
| Net operating income to assets | -0.2935% | 6,480 |
| Return on assets (ROA) | -0.2935% | 6,544 |
| Pretax return on assets | -0.6347% | 6,697 |
| Return on Equity (ROE) | -3.7428% | 6,612 |
| Retained earnings to average equity (ytd only) | -3.7428% | 6,491 |
| Net charge-offs to loans | 0.2314% | 3,984 |
| Credit loss provision to net charge-offs | 481.8182% | 579 |
| Earnings coverage of net charge-offs (x) | 1.1821% | 4,736 |
| Efficiency ratio | 96.1252% | 812 |
| Assets per employee ($millions) | 2.2069% | 7,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2539% | 5,227 |
| Loan loss allowance to noncurrent loans | 431.5789% | 740 |
| Noncurrent assets plus other real estate owned to assets | 1.1951% | 4,403 |
| Noncurrent loans to loans | 0.2905% | 6,268 |
| Net loans and leases to total assets | 73.1521% | 1,479 |
| Net loans and leases to deposits | 79.8257% | 2,678 |
| Net loans and leases to core deposits | 81.4724% | 3,411 |
| Total domestic deposits to total assets | 91.6398% | 271 |
| Equity capital to assets | 8.1280% | 6,620 |
| Core capital (leverage) ratio | 7.2877% | 6,863 |
| Tier 1 risk-based capital ratio | 10.5206% | 6,769 |
| Total risk-based capital ratio | 11.7725% | 6,757 |
| Memoranda: | ||
| Average total assets | $16,806,000 | 7,339 |
| Average earning assets | $15,447,500 | 7,318 |
| Average equity | $1,318,000 | 7,383 |
| Average total loans | $12,676,250 | 7,072 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3740% | 246 |
| Cost of funding earning assets | 1.3011% | 1,936 |
| Net interest margin | 5.0729% | 350 |
| Noninterest income to average assets | 0.7626% | 2,193 |
| Noninterest expense to average assets | 4.9386% | 389 |
| Loan and lease loss provision to assets | 1.2831% | 585 |
| Net operating income to assets | -0.3873% | 6,604 |
| Return on assets (ROA) | -0.3873% | 6,632 |
| Pretax return on assets | -0.7868% | 6,817 |
| Return on Equity (ROE) | -5.0039% | 6,717 |
| Retained earnings to average equity (ytd only) | -5.0039% | 6,569 |
| Net charge-offs to loans | -1.8657% | 7,460 |
| Credit loss provision to net charge-offs | -90.5983% | 6,302 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8686% | 1,180 |
| Assets per employee ($millions) | 2.1898% | 7,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2975% | 1,748 |
| Loan loss allowance to noncurrent loans | 594.1176% | 576 |
| Noncurrent assets plus other real estate owned to assets | 1.2730% | 4,354 |
| Noncurrent loans to loans | 0.3867% | 6,132 |
| Net loans and leases to total assets | 73.5529% | 1,493 |
| Net loans and leases to deposits | 79.7932% | 2,836 |
| Net loans and leases to core deposits | 81.4424% | 3,591 |
| Total domestic deposits to total assets | 92.1795% | 205 |
| Equity capital to assets | 7.6436% | 6,881 |
| Core capital (leverage) ratio | 7.1572% | 6,939 |
| Tier 1 risk-based capital ratio | 9.6790% | 7,065 |
| Total risk-based capital ratio | 10.9433% | 7,066 |
| Memoranda: | ||
| Average total assets | $16,523,000 | 7,412 |
| Average earning assets | $15,218,000 | 7,396 |
| Average equity | $1,279,000 | 7,458 |
| Average total loans | $12,542,000 | 7,143 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3941% | 247 |
| Cost of funding earning assets | 1.3547% | 1,856 |
| Net interest margin | 5.0395% | 355 |
| Noninterest income to average assets | 1.1731% | 939 |
| Noninterest expense to average assets | 4.8173% | 428 |
| Loan and lease loss provision to assets | 2.6458% | 191 |
| Net operating income to assets | -0.9984% | 7,047 |
| Return on assets (ROA) | -0.9984% | 7,049 |
| Pretax return on assets | -1.6474% | 7,204 |
| Return on Equity (ROE) | -12.8102% | 7,093 |
| Retained earnings to average equity (ytd only) | -12.8102% | 6,967 |
| Net charge-offs to loans | -2.5534% | 7,518 |
| Credit loss provision to net charge-offs | -135.8974% | 5,758 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8326% | 2,108 |
| Assets per employee ($millions) | 2.0820% | 7,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0760% | 2,232 |
| Loan loss allowance to noncurrent loans | 233.6283% | 1,279 |
| Noncurrent assets plus other real estate owned to assets | 1.4469% | 4,101 |
| Noncurrent loans to loans | 0.8886% | 5,271 |
| Net loans and leases to total assets | 74.7659% | 1,227 |
| Net loans and leases to deposits | 81.4614% | 2,452 |
| Net loans and leases to core deposits | 83.2309% | 3,274 |
| Total domestic deposits to total assets | 91.7807% | 341 |
| Equity capital to assets | 7.9911% | 6,506 |
| Core capital (leverage) ratio | 7.5790% | 6,674 |
| Tier 1 risk-based capital ratio | 10.0454% | 6,988 |
| Total risk-based capital ratio | 11.3043% | 6,985 |
| Memoranda: | ||
| Average total assets | $16,025,500 | 7,481 |
| Average earning assets | $14,763,500 | 7,459 |
| Average equity | $1,249,000 | 7,516 |
| Average total loans | $12,219,000 | 7,216 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3678% | 409 |
| Cost of funding earning assets | 1.5828% | 2,174 |
| Net interest margin | 4.7850% | 683 |
| Noninterest income to average assets | 0.5051% | 4,128 |
| Noninterest expense to average assets | 5.0375% | 400 |
| Loan and lease loss provision to assets | 1.7201% | 820 |
| Net operating income to assets | -0.9103% | 6,635 |
| Return on assets (ROA) | -0.9147% | 6,665 |
| Pretax return on assets | -1.7816% | 6,951 |
| Return on Equity (ROE) | -10.3924% | 6,743 |
| Retained earnings to average equity (ytd only) | -10.3924% | 6,680 |
| Net charge-offs to loans | 3.3064% | 461 |
| Credit loss provision to net charge-offs | 68.6649% | 5,901 |
| Earnings coverage of net charge-offs (x) | -0.0218% | 6,149 |
| Efficiency ratio | 101.0959% | 747 |
| Assets per employee ($millions) | 1.9244% | 7,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6825% | 7,154 |
| Loan loss allowance to noncurrent loans | 20.1005% | 6,807 |
| Noncurrent assets plus other real estate owned to assets | 3.4167% | 2,045 |
| Noncurrent loans to loans | 3.3956% | 2,239 |
| Net loans and leases to total assets | 75.6155% | 1,346 |
| Net loans and leases to deposits | 82.0193% | 2,803 |
| Net loans and leases to core deposits | 83.9233% | 3,603 |
| Total domestic deposits to total assets | 92.1923% | 239 |
| Equity capital to assets | 7.5804% | 6,831 |
| Core capital (leverage) ratio | 7.4674% | 6,727 |
| Tier 1 risk-based capital ratio | 10.4157% | 6,751 |
| Total risk-based capital ratio | 11.1279% | 7,025 |
| Memoranda: | ||
| Average total assets | $14,650,000 | 7,576 |
| Average earning assets | $13,709,600 | 7,554 |
| Average equity | $1,289,400 | 7,606 |
| Average total loans | $11,099,800 | 7,345 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5057% | 339 |
| Cost of funding earning assets | 1.5724% | 2,541 |
| Net interest margin | 4.9334% | 519 |
| Noninterest income to average assets | 0.5162% | 4,054 |
| Noninterest expense to average assets | 4.7474% | 469 |
| Loan and lease loss provision to assets | 0.2028% | 5,024 |
| Net operating income to assets | 0.1452% | 5,650 |
| Return on assets (ROA) | 0.1383% | 5,829 |
| Pretax return on assets | 0.1844% | 5,764 |
| Return on Equity (ROE) | 1.5152% | 5,763 |
| Retained earnings to average equity (ytd only) | 1.5152% | 5,195 |
| Net charge-offs to loans | 1.6812% | 1,171 |
| Credit loss provision to net charge-offs | 15.9420% | 6,284 |
| Earnings coverage of net charge-offs (x) | 0.3116% | 5,714 |
| Efficiency ratio | 92.2939% | 1,106 |
| Assets per employee ($millions) | 1.9053% | 7,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6759% | 7,239 |
| Loan loss allowance to noncurrent loans | 24.9211% | 6,657 |
| Noncurrent assets plus other real estate owned to assets | 3.2476% | 2,199 |
| Noncurrent loans to loans | 2.7122% | 2,927 |
| Net loans and leases to total assets | 76.1645% | 1,375 |
| Net loans and leases to deposits | 83.6444% | 2,764 |
| Net loans and leases to core deposits | 85.6184% | 3,714 |
| Total domestic deposits to total assets | 91.0576% | 431 |
| Equity capital to assets | 8.6734% | 6,066 |
| Core capital (leverage) ratio | 8.9509% | 4,760 |
| Tier 1 risk-based capital ratio | 11.9931% | 5,471 |
| Total risk-based capital ratio | 12.7114% | 5,954 |
| Memoranda: | ||
| Average total assets | $14,463,750 | 7,679 |
| Average earning assets | $13,567,250 | 7,651 |
| Average equity | $1,320,000 | 7,702 |
| Average total loans | $10,944,500 | 7,448 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4534% | 369 |
| Cost of funding earning assets | 1.5871% | 2,729 |
| Net interest margin | 4.8662% | 581 |
| Noninterest income to average assets | 0.5632% | 3,603 |
| Noninterest expense to average assets | 4.7028% | 474 |
| Loan and lease loss provision to assets | 0.1126% | 5,778 |
| Net operating income to assets | 0.1076% | 5,847 |
| Return on assets (ROA) | 0.0986% | 5,987 |
| Pretax return on assets | 0.3098% | 5,470 |
| Return on Equity (ROE) | 1.0611% | 5,937 |
| Retained earnings to average equity (ytd only) | 1.0611% | 5,340 |
| Net charge-offs to loans | 1.3088% | 1,452 |
| Credit loss provision to net charge-offs | 11.4286% | 5,929 |
| Earnings coverage of net charge-offs (x) | 0.4429% | 5,279 |
| Efficiency ratio | 91.5068% | 1,218 |
| Assets per employee ($millions) | 1.7624% | 7,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2430% | 5,223 |
| Loan loss allowance to noncurrent loans | 78.6982% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 1.7306% | 3,853 |
| Noncurrent loans to loans | 1.5794% | 4,340 |
| Net loans and leases to total assets | 74.9486% | 1,705 |
| Net loans and leases to deposits | 83.0021% | 3,076 |
| Net loans and leases to core deposits | 85.1285% | 3,969 |
| Total domestic deposits to total assets | 90.2972% | 768 |
| Equity capital to assets | 9.3056% | 4,996 |
| Core capital (leverage) ratio | 9.3316% | 4,063 |
| Tier 1 risk-based capital ratio | 13.4228% | 4,121 |
| Total risk-based capital ratio | 14.6719% | 4,088 |
| Memoranda: | ||
| Average total assets | $14,204,330 | 7,748 |
| Average earning assets | $13,357,330 | 7,720 |
| Average equity | $1,319,330 | 7,768 |
| Average total loans | $10,696,670 | 7,520 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4824% | 368 |
| Cost of funding earning assets | 1.6430% | 2,690 |
| Net interest margin | 4.8394% | 585 |
| Noninterest income to average assets | 0.7575% | 2,254 |
| Noninterest expense to average assets | 4.1523% | 858 |
| Loan and lease loss provision to assets | 0.0561% | 6,098 |
| Net operating income to assets | 0.7295% | 3,309 |
| Return on assets (ROA) | 0.7295% | 3,416 |
| Pretax return on assets | 1.0942% | 2,751 |
| Return on Equity (ROE) | 7.8609% | 2,958 |
| Retained earnings to average equity (ytd only) | 7.8609% | 1,768 |
| Net charge-offs to loans | 1.3838% | 1,246 |
| Credit loss provision to net charge-offs | 5.4054% | 5,094 |
| Earnings coverage of net charge-offs (x) | 1.1081% | 4,101 |
| Efficiency ratio | 78.3069% | 2,850 |
| Assets per employee ($millions) | 1.5857% | 7,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5498% | 3,665 |
| Loan loss allowance to noncurrent loans | 161.6162% | 1,742 |
| Noncurrent assets plus other real estate owned to assets | 1.6747% | 3,959 |
| Noncurrent loans to loans | 0.9589% | 5,422 |
| Net loans and leases to total assets | 71.2214% | 2,641 |
| Net loans and leases to deposits | 79.0112% | 3,833 |
| Net loans and leases to core deposits | 81.0010% | 4,626 |
| Total domestic deposits to total assets | 90.1408% | 920 |
| Equity capital to assets | 9.3686% | 4,725 |
| Core capital (leverage) ratio | 9.2048% | 4,216 |
| Tier 1 risk-based capital ratio | 14.4408% | 3,419 |
| Total risk-based capital ratio | 15.7003% | 3,376 |
| Memoranda: | ||
| Average total assets | $14,257,000 | 7,848 |
| Average earning assets | $13,390,000 | 7,821 |
| Average equity | $1,323,000 | 7,852 |
| Average total loans | $10,695,000 | 7,619 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0761% | 249 |
| Cost of funding earning assets | 1.8098% | 3,935 |
| Net interest margin | 5.2663% | 256 |
| Noninterest income to average assets | 1.7940% | 456 |
| Noninterest expense to average assets | 5.5210% | 389 |
| Loan and lease loss provision to assets | 0.1877% | 5,845 |
| Net operating income to assets | 1.1404% | 1,411 |
| Return on assets (ROA) | 1.0708% | 1,640 |
| Pretax return on assets | 0.9526% | 2,750 |
| Return on Equity (ROE) | 11.5789% | 1,271 |
| Retained earnings to average equity (ytd only) | 11.5789% | 242 |
| Net charge-offs to loans | 1.3410% | 1,860 |
| Credit loss provision to net charge-offs | 17.6471% | 6,944 |
| Earnings coverage of net charge-offs (x) | 1.1373% | 4,981 |
| Efficiency ratio | 82.0248% | 2,595 |
| Assets per employee ($millions) | 1.4243% | 7,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7622% | 2,670 |
| Loan loss allowance to noncurrent loans | 172.5664% | 1,703 |
| Noncurrent assets plus other real estate owned to assets | 0.7934% | 5,520 |
| Noncurrent loans to loans | 1.0211% | 5,270 |
| Net loans and leases to total assets | 76.3252% | 1,724 |
| Net loans and leases to deposits | 84.4546% | 3,189 |
| Net loans and leases to core deposits | 113.3340% | 2,561 |
| Total domestic deposits to total assets | 90.3742% | 794 |
| Equity capital to assets | 9.1905% | 4,857 |
| Core capital (leverage) ratio | 9.1902% | 4,135 |
| Tier 1 risk-based capital ratio | 13.6473% | 3,724 |
| Total risk-based capital ratio | 14.9032% | 3,655 |
| Memoranda: | ||
| Average total assets | $14,381,400 | 7,910 |
| Average earning assets | $13,482,000 | 7,886 |
| Average equity | $1,330,000 | 7,947 |
| Average total loans | $11,409,200 | 7,634 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1827% | 228 |
| Cost of funding earning assets | 1.8746% | 4,017 |
| Net interest margin | 5.3082% | 245 |
| Noninterest income to average assets | 1.9977% | 368 |
| Noninterest expense to average assets | 5.6417% | 356 |
| Loan and lease loss provision to assets | -0.9618% | 8,099 |
| Net operating income to assets | 2.0431% | 268 |
| Return on assets (ROA) | 1.9607% | 342 |
| Pretax return on assets | 2.2012% | 350 |
| Return on Equity (ROE) | 21.1691% | 247 |
| Retained earnings to average equity (ytd only) | 21.1691% | 52 |
| Net charge-offs to loans | 0.2784% | 4,296 |
| Credit loss provision to net charge-offs | -433.3333% | 7,263 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,688 |
| Efficiency ratio | 80.9019% | 2,719 |
| Assets per employee ($millions) | 1.7294% | 7,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6777% | 2,707 |
| Loan loss allowance to noncurrent loans | 42.1397% | 5,513 |
| Noncurrent assets plus other real estate owned to assets | 3.3104% | 2,039 |
| Noncurrent loans to loans | 3.9812% | 1,848 |
| Net loans and leases to total assets | 81.7564% | 850 |
| Net loans and leases to deposits | 94.6210% | 1,775 |
| Net loans and leases to core deposits | 120.6121% | 2,197 |
| Total domestic deposits to total assets | 86.4040% | 2,473 |
| Equity capital to assets | 9.9096% | 4,203 |
| Core capital (leverage) ratio | 9.8724% | 3,432 |
| Tier 1 risk-based capital ratio | 14.0095% | 3,544 |
| Total risk-based capital ratio | 15.2643% | 3,496 |
| Memoranda: | ||
| Average total assets | $14,416,000 | 7,991 |
| Average earning assets | $13,513,500 | 7,967 |
| Average equity | $1,335,250 | 8,030 |
| Average total loans | $11,495,000 | 7,705 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2222% | 229 |
| Cost of funding earning assets | 2.0216% | 3,672 |
| Net interest margin | 5.2006% | 298 |
| Noninterest income to average assets | 2.4915% | 266 |
| Noninterest expense to average assets | 6.0371% | 315 |
| Loan and lease loss provision to assets | -2.6147% | 8,195 |
| Net operating income to assets | 3.7017% | 38 |
| Return on assets (ROA) | 3.5730% | 44 |
| Pretax return on assets | 3.7920% | 57 |
| Return on Equity (ROE) | 39.4459% | 32 |
| Retained earnings to average equity (ytd only) | 39.4459% | 19 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1229% | 2,709 |
| Assets per employee ($millions) | 2.3233% | 7,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1505% | 5,264 |
| Loan loss allowance to noncurrent loans | 50.9804% | 4,962 |
| Noncurrent assets plus other real estate owned to assets | 1.8293% | 3,435 |
| Noncurrent loans to loans | 2.2568% | 3,178 |
| Net loans and leases to total assets | 80.1220% | 1,298 |
| Net loans and leases to deposits | 89.6892% | 2,876 |
| Net loans and leases to core deposits | 114.3076% | 2,879 |
| Total domestic deposits to total assets | 89.3329% | 1,107 |
| Equity capital to assets | 10.2080% | 3,708 |
| Core capital (leverage) ratio | 10.1175% | 3,171 |
| Tier 1 risk-based capital ratio | 14.6382% | 3,170 |
| Total risk-based capital ratio | 15.8822% | 3,118 |
| Memoranda: | ||
| Average total assets | $14,609,670 | 8,074 |
| Average earning assets | $13,652,330 | 8,050 |
| Average equity | $1,323,330 | 8,116 |
| Average total loans | $11,492,000 | 7,781 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1595% | 266 |
| Cost of funding earning assets | 2.3290% | 2,581 |
| Net interest margin | 4.8305% | 575 |
| Noninterest income to average assets | 2.3554% | 271 |
| Noninterest expense to average assets | 5.4602% | 369 |
| Loan and lease loss provision to assets | -5.1390% | 8,247 |
| Net operating income to assets | 6.3087% | 21 |
| Return on assets (ROA) | 6.0490% | 27 |
| Pretax return on assets | 6.2632% | 30 |
| Return on Equity (ROE) | 70.9855% | 13 |
| Retained earnings to average equity (ytd only) | 70.9855% | 10 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6875% | 2,862 |
| Assets per employee ($millions) | 2.0871% | 7,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1124% | 5,380 |
| Loan loss allowance to noncurrent loans | 140.2174% | 2,289 |
| Noncurrent assets plus other real estate owned to assets | 0.6297% | 5,602 |
| Noncurrent loans to loans | 0.7933% | 5,454 |
| Net loans and leases to total assets | 78.4942% | 1,700 |
| Net loans and leases to deposits | 87.1098% | 3,447 |
| Net loans and leases to core deposits | 108.3318% | 3,633 |
| Total domestic deposits to total assets | 90.1095% | 748 |
| Equity capital to assets | 9.4935% | 4,672 |
| Core capital (leverage) ratio | 9.0105% | 4,694 |
| Tier 1 risk-based capital ratio | 13.9610% | 3,614 |
| Total risk-based capital ratio | 15.2090% | 3,539 |
| Memoranda: | ||
| Average total assets | $14,944,500 | 8,117 |
| Average earning assets | $13,911,500 | 8,088 |
| Average equity | $1,273,500 | 8,180 |
| Average total loans | $11,588,500 | 7,823 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2344% | 685 |
| Cost of funding earning assets | 2.5376% | 4,010 |
| Net interest margin | 4.6968% | 977 |
| Noninterest income to average assets | 2.0019% | 343 |
| Noninterest expense to average assets | 5.4913% | 501 |
| Loan and lease loss provision to assets | 2.0088% | 596 |
| Net operating income to assets | -0.8102% | 7,142 |
| Return on assets (ROA) | -0.8411% | 7,070 |
| Pretax return on assets | -1.1400% | 7,085 |
| Return on Equity (ROE) | -9.8470% | 7,269 |
| Retained earnings to average equity (ytd only) | -9.8470% | 7,060 |
| Net charge-offs to loans | 0.5053% | 2,336 |
| Credit loss provision to net charge-offs | 578.0000% | 755 |
| Earnings coverage of net charge-offs (x) | 2.6200% | 4,779 |
| Efficiency ratio | 85.7763% | 1,878 |
| Assets per employee ($millions) | 2.1827% | 7,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7720% | 528 |
| Loan loss allowance to noncurrent loans | 286.6071% | 1,417 |
| Noncurrent assets plus other real estate owned to assets | 0.7330% | 5,027 |
| Noncurrent loans to loans | 0.9672% | 4,662 |
| Net loans and leases to total assets | 73.6894% | 3,186 |
| Net loans and leases to deposits | 81.1752% | 4,843 |
| Net loans and leases to core deposits | 112.8269% | 3,468 |
| Total domestic deposits to total assets | 90.7782% | 393 |
| Equity capital to assets | 7.5921% | 7,308 |
| Core capital (leverage) ratio | 7.3447% | 7,370 |
| Tier 1 risk-based capital ratio | 11.6887% | 5,066 |
| Total risk-based capital ratio | 12.9603% | 4,950 |
| Memoranda: | ||
| Average total assets | $14,386,400 | 8,179 |
| Average earning assets | $13,477,200 | 8,155 |
| Average equity | $1,228,800 | 8,246 |
| Average total loans | $9,896,000 | 7,945 |