Home > Home Savings Bank, FSB > Performance and Condition Ratios
Home Savings Bank, FSB, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9605% | 2,151 |
| Cost of funding earning assets | 1.7903% | 1,265 |
| Net interest margin | 3.1702% | 2,942 |
| Noninterest income to average assets | -0.0400% | 4,583 |
| Noninterest expense to average assets | 3.2181% | 815 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | -0.2717% | 4,480 |
| Return on assets (ROA) | -0.2717% | 4,462 |
| Pretax return on assets | -0.2717% | 4,445 |
| Return on Equity (ROE) | -2.0700% | 4,419 |
| Retained earnings to average equity (ytd only) | -2.0685% | 4,273 |
| 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 | 108.0977% | 119 |
| Assets per employee ($millions) | 5.6914% | 3,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7327% | 4,077 |
| Loan loss allowance to noncurrent loans | 89.2216% | 3,313 |
| Noncurrent assets plus other real estate owned to assets | 0.5869% | 944 |
| Noncurrent loans to loans | 0.8212% | 939 |
| Net loans and leases to total assets | 70.9400% | 1,709 |
| Net loans and leases to deposits | 105.9018% | 298 |
| Net loans and leases to core deposits | 112.4687% | 872 |
| Total domestic deposits to total assets | 66.9900% | 4,355 |
| Equity capital to assets | 11.9760% | 1,131 |
| Core capital (leverage) ratio | 11.5888% | 1,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $26,133,400 | 4,490 |
| Average earning assets | $24,856,600 | 4,449 |
| Average equity | $3,432,400 | 4,395 |
| Average total loans | $17,888,600 | 4,324 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8613% | 2,145 |
| Cost of funding earning assets | 1.5490% | 1,481 |
| Net interest margin | 3.3123% | 2,651 |
| Noninterest income to average assets | -0.0500% | 4,614 |
| Noninterest expense to average assets | 3.3290% | 693 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | -0.2765% | 4,512 |
| Return on assets (ROA) | -0.2765% | 4,498 |
| Pretax return on assets | -0.2765% | 4,487 |
| Return on Equity (ROE) | -2.0600% | 4,452 |
| Retained earnings to average equity (ytd only) | -2.0551% | 4,323 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 107.5885% | 115 |
| Assets per employee ($millions) | 5.0274% | 3,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8303% | 3,919 |
| Loan loss allowance to noncurrent loans | 91.4110% | 3,285 |
| Noncurrent assets plus other real estate owned to assets | 0.6484% | 883 |
| Noncurrent loans to loans | 0.9083% | 909 |
| Net loans and leases to total assets | 70.8000% | 1,731 |
| Net loans and leases to deposits | 107.3466% | 261 |
| Net loans and leases to core deposits | 113.2125% | 763 |
| Total domestic deposits to total assets | 65.9500% | 4,409 |
| Equity capital to assets | 13.6293% | 704 |
| Core capital (leverage) ratio | 12.7937% | 1,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $25,552,500 | 4,523 |
| Average earning assets | $24,272,500 | 4,481 |
| Average equity | $3,438,500 | 4,410 |
| Average total loans | $17,276,750 | 4,349 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8021% | 1,990 |
| Cost of funding earning assets | 1.4447% | 1,353 |
| Net interest margin | 3.3574% | 2,621 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 3.4409% | 576 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | -0.1168% | 4,521 |
| Return on assets (ROA) | -0.1168% | 4,506 |
| Pretax return on assets | -0.1168% | 4,495 |
| Return on Equity (ROE) | -0.8700% | 4,468 |
| Retained earnings to average equity (ytd only) | -0.8714% | 4,200 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 103.5129% | 132 |
| Assets per employee ($millions) | 5.0482% | 3,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8819% | 3,832 |
| Loan loss allowance to noncurrent loans | 84.1808% | 3,387 |
| Noncurrent assets plus other real estate owned to assets | 1.0855% | 407 |
| Noncurrent loans to loans | 1.0476% | 707 |
| Net loans and leases to total assets | 66.3400% | 2,117 |
| Net loans and leases to deposits | 97.9184% | 612 |
| Net loans and leases to core deposits | 103.0460% | 1,091 |
| Total domestic deposits to total assets | 67.7500% | 4,414 |
| Equity capital to assets | 13.6682% | 687 |
| Core capital (leverage) ratio | 12.7216% | 1,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $25,691,000 | 4,546 |
| Average earning assets | $24,364,333 | 4,509 |
| Average equity | $3,442,667 | 4,443 |
| Average total loans | $17,053,667 | 4,372 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4822% | 2,360 |
| Cost of funding earning assets | 1.3202% | 1,186 |
| Net interest margin | 3.1620% | 3,206 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 3.7969% | 411 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -0.6482% | 4,600 |
| Return on assets (ROA) | -0.6482% | 4,589 |
| Pretax return on assets | -0.6482% | 4,580 |
| Return on Equity (ROE) | -4.8900% | 4,553 |
| Retained earnings to average equity (ytd only) | -4.8851% | 4,325 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 120.5882% | 71 |
| Assets per employee ($millions) | 5.2316% | 3,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8633% | 3,954 |
| Loan loss allowance to noncurrent loans | 44.4776% | 3,735 |
| Noncurrent assets plus other real estate owned to assets | 1.5980% | 190 |
| Noncurrent loans to loans | 1.9410% | 296 |
| Net loans and leases to total assets | 65.4100% | 2,119 |
| Net loans and leases to deposits | 99.4999% | 465 |
| Net loans and leases to core deposits | 102.9854% | 966 |
| Total domestic deposits to total assets | 65.7400% | 4,486 |
| Equity capital to assets | 13.0515% | 749 |
| Core capital (leverage) ratio | 12.4936% | 1,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $25,916,000 | 4,603 |
| Average earning assets | $24,541,500 | 4,568 |
| Average equity | $3,439,000 | 4,504 |
| Average total loans | $17,133,000 | 4,433 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8290% | 2,194 |
| Cost of funding earning assets | 0.8469% | 329 |
| Net interest margin | 2.9821% | 3,495 |
| Noninterest income to average assets | 0.1800% | 4,071 |
| Noninterest expense to average assets | 3.3384% | 595 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | -0.3455% | 4,628 |
| Return on assets (ROA) | -0.3455% | 4,618 |
| Pretax return on assets | -0.3455% | 4,610 |
| Return on Equity (ROE) | -2.6400% | 4,596 |
| Retained earnings to average equity (ytd only) | -2.6388% | 4,511 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 111.5433% | 86 |
| Assets per employee ($millions) | 5.1348% | 3,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8291% | 3,963 |
| Loan loss allowance to noncurrent loans | 42.3423% | 3,757 |
| Noncurrent assets plus other real estate owned to assets | 1.2970% | 276 |
| Noncurrent loans to loans | 1.9580% | 292 |
| Net loans and leases to total assets | 65.6900% | 2,072 |
| Net loans and leases to deposits | 94.2024% | 767 |
| Net loans and leases to core deposits | 98.5164% | 1,080 |
| Total domestic deposits to total assets | 69.7400% | 4,478 |
| Equity capital to assets | 13.4922% | 630 |
| Core capital (leverage) ratio | 12.5151% | 1,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $26,629,200 | 4,630 |
| Average earning assets | $25,150,000 | 4,596 |
| Average equity | $3,486,400 | 4,571 |
| Average total loans | $16,705,600 | 4,458 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6356% | 2,241 |
| Cost of funding earning assets | 0.8196% | 144 |
| Net interest margin | 2.8160% | 3,699 |
| Noninterest income to average assets | 0.1600% | 4,207 |
| Noninterest expense to average assets | 3.2603% | 627 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | -0.4417% | 4,673 |
| Return on assets (ROA) | -0.4417% | 4,660 |
| Pretax return on assets | -0.4417% | 4,652 |
| Return on Equity (ROE) | -3.4000% | 4,639 |
| Retained earnings to average equity (ytd only) | -3.3982% | 4,550 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 115.6690% | 80 |
| Assets per employee ($millions) | 5.5232% | 3,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8845% | 3,905 |
| Loan loss allowance to noncurrent loans | 41.8398% | 3,831 |
| Noncurrent assets plus other real estate owned to assets | 1.2203% | 332 |
| Noncurrent loans to loans | 2.1139% | 279 |
| Net loans and leases to total assets | 57.2200% | 2,778 |
| Net loans and leases to deposits | 77.1383% | 1,785 |
| Net loans and leases to core deposits | 82.4472% | 1,734 |
| Total domestic deposits to total assets | 74.1700% | 4,450 |
| Equity capital to assets | 12.5507% | 760 |
| Core capital (leverage) ratio | 12.1705% | 1,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $26,868,000 | 4,663 |
| Average earning assets | $25,377,750 | 4,632 |
| Average equity | $3,492,000 | 4,613 |
| Average total loans | $16,630,250 | 4,495 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5908% | 1,874 |
| Cost of funding earning assets | 0.8201% | 93 |
| Net interest margin | 2.7707% | 3,525 |
| Noninterest income to average assets | 0.1728% | 4,141 |
| Noninterest expense to average assets | 3.3360% | 521 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.5485% | 4,684 |
| Return on assets (ROA) | -0.5485% | 4,670 |
| Pretax return on assets | -0.5485% | 4,659 |
| Return on Equity (ROE) | -4.1706% | 4,661 |
| Retained earnings to average equity (ytd only) | -4.1706% | 4,504 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.6765% | 79 |
| Assets per employee ($millions) | 4.4405% | 4,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8720% | 4,022 |
| Loan loss allowance to noncurrent loans | 28.7755% | 3,932 |
| Noncurrent assets plus other real estate owned to assets | 1.8391% | 172 |
| Noncurrent loans to loans | 3.0303% | 164 |
| Net loans and leases to total assets | 60.1621% | 2,308 |
| Net loans and leases to deposits | 82.4198% | 1,216 |
| Net loans and leases to core deposits | 88.3968% | 1,201 |
| Total domestic deposits to total assets | 72.9948% | 4,563 |
| Equity capital to assets | 13.0128% | 665 |
| Core capital (leverage) ratio | 12.2184% | 1,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $26,618,667 | 4,704 |
| Average earning assets | $25,119,667 | 4,683 |
| Average equity | $3,500,667 | 4,653 |
| Average total loans | $16,859,667 | 4,549 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5814% | 1,559 |
| Cost of funding earning assets | 0.7959% | 91 |
| Net interest margin | 2.7856% | 3,183 |
| Noninterest income to average assets | 0.1503% | 4,249 |
| Noninterest expense to average assets | 3.4578% | 438 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.6765% | 4,723 |
| Return on assets (ROA) | -0.6765% | 4,716 |
| Pretax return on assets | -0.6765% | 4,706 |
| Return on Equity (ROE) | -5.1173% | 4,707 |
| Retained earnings to average equity (ytd only) | -5.1173% | 4,424 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 124.3243% | 74 |
| Assets per employee ($millions) | 4.5088% | 4,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8228% | 4,206 |
| Loan loss allowance to noncurrent loans | 30.0000% | 3,979 |
| Noncurrent assets plus other real estate owned to assets | 1.7373% | 189 |
| Noncurrent loans to loans | 2.7426% | 204 |
| Net loans and leases to total assets | 62.8248% | 1,762 |
| Net loans and leases to deposits | 85.5661% | 771 |
| Net loans and leases to core deposits | 91.6128% | 834 |
| Total domestic deposits to total assets | 73.4225% | 4,590 |
| Equity capital to assets | 12.9191% | 704 |
| Core capital (leverage) ratio | 12.4962% | 911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $26,606,500 | 4,727 |
| Average earning assets | $25,129,500 | 4,705 |
| Average equity | $3,517,500 | 4,685 |
| Average total loans | $17,204,500 | 4,562 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5682% | 2,472 |
| Cost of funding earning assets | 0.9128% | 104 |
| Net interest margin | 2.6554% | 3,953 |
| Noninterest income to average assets | 0.2623% | 3,803 |
| Noninterest expense to average assets | 3.0761% | 878 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | -0.2960% | 4,733 |
| Return on assets (ROA) | -0.2960% | 4,739 |
| Pretax return on assets | -0.2960% | 4,743 |
| Return on Equity (ROE) | -2.2109% | 4,740 |
| Retained earnings to average equity (ytd only) | -2.2109% | 4,634 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.6469% | 95 |
| Assets per employee ($millions) | 4.3600% | 4,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8164% | 4,242 |
| Loan loss allowance to noncurrent loans | 28.3133% | 4,040 |
| Noncurrent assets plus other real estate owned to assets | 1.9037% | 172 |
| Noncurrent loans to loans | 2.8833% | 207 |
| Net loans and leases to total assets | 65.4855% | 1,533 |
| Net loans and leases to deposits | 86.0941% | 770 |
| Net loans and leases to core deposits | 92.1467% | 870 |
| Total domestic deposits to total assets | 76.0627% | 4,509 |
| Equity capital to assets | 13.5321% | 756 |
| Core capital (leverage) ratio | 12.6364% | 890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $26,690,000 | 4,764 |
| Average earning assets | $25,306,800 | 4,740 |
| Average equity | $3,573,200 | 4,736 |
| Average total loans | $16,807,400 | 4,618 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6011% | 2,561 |
| Cost of funding earning assets | 0.9317% | 114 |
| Net interest margin | 2.6694% | 4,027 |
| Noninterest income to average assets | 0.2684% | 3,804 |
| Noninterest expense to average assets | 2.9924% | 991 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | -0.1889% | 4,794 |
| Return on assets (ROA) | -0.1889% | 4,800 |
| Pretax return on assets | -0.1889% | 4,796 |
| Return on Equity (ROE) | -1.4146% | 4,796 |
| Retained earnings to average equity (ytd only) | -1.4146% | 4,681 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.7376% | 118 |
| Assets per employee ($millions) | 4.5572% | 4,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8492% | 4,278 |
| Loan loss allowance to noncurrent loans | 28.8344% | 4,136 |
| Noncurrent assets plus other real estate owned to assets | 1.7884% | 234 |
| Noncurrent loans to loans | 2.9453% | 224 |
| Net loans and leases to total assets | 60.2055% | 2,227 |
| Net loans and leases to deposits | 78.5101% | 1,436 |
| Net loans and leases to core deposits | 84.7857% | 1,367 |
| Total domestic deposits to total assets | 76.6851% | 4,511 |
| Equity capital to assets | 13.0966% | 955 |
| Core capital (leverage) ratio | 12.8713% | 876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $26,822,500 | 4,836 |
| Average earning assets | $25,473,000 | 4,814 |
| Average equity | $3,581,500 | 4,806 |
| Average total loans | $16,691,250 | 4,690 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5792% | 2,689 |
| Cost of funding earning assets | 0.9697% | 122 |
| Net interest margin | 2.6095% | 4,148 |
| Noninterest income to average assets | 0.2402% | 3,963 |
| Noninterest expense to average assets | 2.9645% | 1,041 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -0.2402% | 4,834 |
| Return on assets (ROA) | -0.2402% | 4,839 |
| Pretax return on assets | -0.2402% | 4,838 |
| Return on Equity (ROE) | -1.7869% | 4,839 |
| Retained earnings to average equity (ytd only) | -1.7869% | 4,660 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.8154% | 104 |
| Assets per employee ($millions) | 4.5450% | 4,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8275% | 4,327 |
| Loan loss allowance to noncurrent loans | 38.0054% | 4,086 |
| Noncurrent assets plus other real estate owned to assets | 1.3605% | 461 |
| Noncurrent loans to loans | 2.1774% | 414 |
| Net loans and leases to total assets | 61.9655% | 2,183 |
| Net loans and leases to deposits | 81.1740% | 1,308 |
| Net loans and leases to core deposits | 87.6907% | 1,294 |
| Total domestic deposits to total assets | 76.3366% | 4,541 |
| Equity capital to assets | 13.1536% | 902 |
| Core capital (leverage) ratio | 13.0097% | 797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $26,649,000 | 4,870 |
| Average earning assets | $25,368,667 | 4,846 |
| Average equity | $3,581,667 | 4,841 |
| Average total loans | $16,720,667 | 4,725 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6186% | 2,584 |
| Cost of funding earning assets | 1.0202% | 122 |
| Net interest margin | 2.5984% | 4,156 |
| Noninterest income to average assets | 0.3037% | 3,596 |
| Noninterest expense to average assets | 3.1589% | 765 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.3797% | 4,870 |
| Return on assets (ROA) | -0.3797% | 4,875 |
| Pretax return on assets | -0.3797% | 4,873 |
| Return on Equity (ROE) | -2.7941% | 4,874 |
| Retained earnings to average equity (ytd only) | -2.7941% | 4,593 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.6612% | 95 |
| Assets per employee ($millions) | 5.3374% | 3,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8333% | 4,339 |
| Loan loss allowance to noncurrent loans | 36.3402% | 4,149 |
| Noncurrent assets plus other real estate owned to assets | 1.4539% | 454 |
| Noncurrent loans to loans | 2.2931% | 427 |
| Net loans and leases to total assets | 62.8733% | 2,188 |
| Net loans and leases to deposits | 83.3781% | 1,208 |
| Net loans and leases to core deposits | 90.2971% | 1,213 |
| Total domestic deposits to total assets | 75.4075% | 4,610 |
| Equity capital to assets | 13.4672% | 793 |
| Core capital (leverage) ratio | 12.9789% | 846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $26,338,500 | 4,897 |
| Average earning assets | $25,092,500 | 4,876 |
| Average equity | $3,579,000 | 4,861 |
| Average total loans | $16,561,500 | 4,752 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4525% | 4,115 |
| Cost of funding earning assets | 1.2533% | 220 |
| Net interest margin | 2.1992% | 4,760 |
| Noninterest income to average assets | 0.2893% | 3,752 |
| Noninterest expense to average assets | 3.2315% | 1,002 |
| Loan and lease loss provision to assets | 0.0952% | 3,154 |
| Net operating income to assets | -0.9402% | 4,925 |
| Return on assets (ROA) | -0.9402% | 4,928 |
| Pretax return on assets | -0.9402% | 4,922 |
| Return on Equity (ROE) | -6.8134% | 4,917 |
| Retained earnings to average equity (ytd only) | -6.8134% | 4,869 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 135.4067% | 47 |
| Assets per employee ($millions) | 4.3317% | 4,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8702% | 4,272 |
| Loan loss allowance to noncurrent loans | 31.6854% | 4,264 |
| Noncurrent assets plus other real estate owned to assets | 1.7122% | 379 |
| Noncurrent loans to loans | 2.7464% | 338 |
| Net loans and leases to total assets | 61.8007% | 2,634 |
| Net loans and leases to deposits | 82.4284% | 1,613 |
| Net loans and leases to core deposits | 89.4719% | 1,570 |
| Total domestic deposits to total assets | 74.9750% | 4,575 |
| Equity capital to assets | 13.7130% | 869 |
| Core capital (leverage) ratio | 13.1211% | 864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $26,272,400 | 4,899 |
| Average earning assets | $25,054,600 | 4,882 |
| Average equity | $3,625,200 | 4,870 |
| Average total loans | $14,575,600 | 4,814 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3951% | 4,354 |
| Cost of funding earning assets | 1.2785% | 269 |
| Net interest margin | 2.1166% | 4,845 |
| Noninterest income to average assets | 0.2885% | 3,759 |
| Noninterest expense to average assets | 3.2241% | 1,034 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | -0.9161% | 4,941 |
| Return on assets (ROA) | -0.9161% | 4,946 |
| Pretax return on assets | -0.9161% | 4,935 |
| Return on Equity (ROE) | -6.6290% | 4,936 |
| Retained earnings to average equity (ytd only) | -6.6290% | 4,882 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 139.6930% | 52 |
| Assets per employee ($millions) | 4.4247% | 3,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7552% | 4,470 |
| Loan loss allowance to noncurrent loans | 25.8929% | 4,354 |
| Noncurrent assets plus other real estate owned to assets | 1.6875% | 470 |
| Noncurrent loans to loans | 2.9165% | 327 |
| Net loans and leases to total assets | 57.4243% | 3,474 |
| Net loans and leases to deposits | 76.1260% | 2,740 |
| Net loans and leases to core deposits | 84.8264% | 2,396 |
| Total domestic deposits to total assets | 75.4332% | 4,472 |
| Equity capital to assets | 13.3795% | 1,038 |
| Core capital (leverage) ratio | 13.0987% | 922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $26,343,000 | 4,929 |
| Average earning assets | $25,133,500 | 4,911 |
| Average equity | $3,640,500 | 4,893 |
| Average total loans | $14,168,750 | 4,849 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4394% | 4,496 |
| Cost of funding earning assets | 1.3087% | 349 |
| Net interest margin | 2.1307% | 4,910 |
| Noninterest income to average assets | 0.3121% | 3,591 |
| Noninterest expense to average assets | 3.3112% | 980 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -0.9667% | 4,961 |
| Return on assets (ROA) | -0.9667% | 4,956 |
| Pretax return on assets | -0.9667% | 4,942 |
| Return on Equity (ROE) | -6.9210% | 4,954 |
| Retained earnings to average equity (ytd only) | -6.9210% | 4,849 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 141.2338% | 50 |
| Assets per employee ($millions) | 4.4362% | 3,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8126% | 4,313 |
| Loan loss allowance to noncurrent loans | 15.8254% | 4,482 |
| Noncurrent assets plus other real estate owned to assets | 2.7539% | 191 |
| Noncurrent loans to loans | 5.1345% | 105 |
| Net loans and leases to total assets | 53.1991% | 3,942 |
| Net loans and leases to deposits | 70.7540% | 3,365 |
| Net loans and leases to core deposits | 78.8068% | 3,041 |
| Total domestic deposits to total assets | 75.1888% | 4,499 |
| Equity capital to assets | 13.5477% | 972 |
| Core capital (leverage) ratio | 13.2170% | 942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $26,274,667 | 4,960 |
| Average earning assets | $25,062,333 | 4,942 |
| Average equity | $3,670,000 | 4,922 |
| Average total loans | $13,771,333 | 4,889 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5764% | 4,551 |
| Cost of funding earning assets | 1.3472% | 489 |
| Net interest margin | 2.2293% | 4,947 |
| Noninterest income to average assets | 0.3065% | 3,680 |
| Noninterest expense to average assets | 3.3865% | 1,086 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.9501% | 4,981 |
| Return on assets (ROA) | -0.9501% | 4,963 |
| Pretax return on assets | -0.9501% | 4,950 |
| Return on Equity (ROE) | -6.6991% | 4,959 |
| Retained earnings to average equity (ytd only) | -6.6991% | 4,628 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 138.9937% | 69 |
| Assets per employee ($millions) | 4.3758% | 3,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8422% | 4,301 |
| Loan loss allowance to noncurrent loans | 14.9871% | 4,539 |
| Noncurrent assets plus other real estate owned to assets | 2.9480% | 201 |
| Noncurrent loans to loans | 5.6193% | 93 |
| Net loans and leases to total assets | 52.0206% | 4,112 |
| Net loans and leases to deposits | 69.8905% | 3,601 |
| Net loans and leases to core deposits | 75.8525% | 3,504 |
| Total domestic deposits to total assets | 74.4315% | 4,629 |
| Equity capital to assets | 13.9821% | 1,066 |
| Core capital (leverage) ratio | 13.7305% | 977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $26,103,500 | 5,008 |
| Average earning assets | $24,941,000 | 4,987 |
| Average equity | $3,702,000 | 4,964 |
| Average total loans | $13,519,000 | 4,935 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8196% | 4,537 |
| Cost of funding earning assets | 1.3291% | 707 |
| Net interest margin | 2.4905% | 4,973 |
| Noninterest income to average assets | 0.1953% | 4,491 |
| Noninterest expense to average assets | 3.2182% | 1,478 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | -0.6444% | 5,063 |
| Return on assets (ROA) | -0.6444% | 5,071 |
| Pretax return on assets | -0.6444% | 5,069 |
| Return on Equity (ROE) | -4.3182% | 5,067 |
| Retained earnings to average equity (ytd only) | -4.3182% | 4,958 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.0379% | 67 |
| Assets per employee ($millions) | 4.3253% | 3,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8745% | 4,068 |
| Loan loss allowance to noncurrent loans | 13.8756% | 4,569 |
| Noncurrent assets plus other real estate owned to assets | 3.3523% | 142 |
| Noncurrent loans to loans | 6.3028% | 60 |
| Net loans and leases to total assets | 50.6628% | 4,298 |
| Net loans and leases to deposits | 68.6795% | 3,760 |
| Net loans and leases to core deposits | 76.8080% | 3,529 |
| Total domestic deposits to total assets | 73.7670% | 4,781 |
| Equity capital to assets | 14.3842% | 970 |
| Core capital (leverage) ratio | 14.0500% | 917 |
| Tier 1 risk-based capital ratio | 34.5956% | 339 |
| Total risk-based capital ratio | 35.7020% | 335 |
| Memoranda: | ||
| Average total assets | $25,604,000 | 5,069 |
| Average earning assets | $24,452,600 | 5,048 |
| Average equity | $3,821,000 | 5,007 |
| Average total loans | $12,898,400 | 5,009 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8474% | 4,613 |
| Cost of funding earning assets | 1.3062% | 770 |
| Net interest margin | 2.5412% | 5,040 |
| Noninterest income to average assets | 0.1829% | 4,630 |
| Noninterest expense to average assets | 3.1037% | 1,704 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | -0.4912% | 5,135 |
| Return on assets (ROA) | -0.4912% | 5,143 |
| Pretax return on assets | -0.4912% | 5,137 |
| Return on Equity (ROE) | -3.2613% | 5,141 |
| Retained earnings to average equity (ytd only) | -3.2613% | 5,003 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.8000% | 83 |
| Assets per employee ($millions) | 5.2312% | 2,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9060% | 4,016 |
| Loan loss allowance to noncurrent loans | 14.8338% | 4,651 |
| Noncurrent assets plus other real estate owned to assets | 3.1197% | 174 |
| Noncurrent loans to loans | 6.1075% | 71 |
| Net loans and leases to total assets | 48.5089% | 4,496 |
| Net loans and leases to deposits | 65.6967% | 4,087 |
| Net loans and leases to core deposits | 74.4557% | 3,801 |
| Total domestic deposits to total assets | 73.8377% | 4,824 |
| Equity capital to assets | 14.4900% | 983 |
| Core capital (leverage) ratio | 14.8349% | 776 |
| Tier 1 risk-based capital ratio | 37.2269% | 296 |
| Total risk-based capital ratio | 38.3949% | 294 |
| Memoranda: | ||
| Average total assets | $25,517,000 | 5,147 |
| Average earning assets | $24,396,750 | 5,125 |
| Average equity | $3,843,000 | 5,077 |
| Average total loans | $12,807,000 | 5,093 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0227% | 4,332 |
| Cost of funding earning assets | 1.2995% | 739 |
| Net interest margin | 2.7232% | 4,985 |
| Noninterest income to average assets | 0.1739% | 4,710 |
| Noninterest expense to average assets | 3.1378% | 1,641 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -0.3636% | 5,174 |
| Return on assets (ROA) | -0.3636% | 5,179 |
| Pretax return on assets | -0.3636% | 5,176 |
| Return on Equity (ROE) | -2.3830% | 5,172 |
| Retained earnings to average equity (ytd only) | -2.3830% | 4,938 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.1054% | 90 |
| Assets per employee ($millions) | 4.8892% | 2,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9245% | 3,987 |
| Loan loss allowance to noncurrent loans | 48.3333% | 4,230 |
| Noncurrent assets plus other real estate owned to assets | 0.9818% | 1,416 |
| Noncurrent loans to loans | 1.9127% | 766 |
| Net loans and leases to total assets | 50.8549% | 4,421 |
| Net loans and leases to deposits | 63.5420% | 4,248 |
| Net loans and leases to core deposits | 70.8215% | 4,072 |
| Total domestic deposits to total assets | 80.0335% | 4,032 |
| Equity capital to assets | 15.6999% | 670 |
| Core capital (leverage) ratio | 15.1890% | 672 |
| Tier 1 risk-based capital ratio | 37.7102% | 279 |
| Total risk-based capital ratio | 38.8783% | 279 |
| Memoranda: | ||
| Average total assets | $25,304,000 | 5,196 |
| Average earning assets | $24,163,000 | 5,174 |
| Average equity | $3,860,670 | 5,116 |
| Average total loans | $12,808,000 | 5,139 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9913% | 4,387 |
| Cost of funding earning assets | 1.2544% | 756 |
| Net interest margin | 2.7369% | 5,040 |
| Noninterest income to average assets | 0.1244% | 4,987 |
| Noninterest expense to average assets | 3.0622% | 1,826 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -0.3264% | 5,230 |
| Return on assets (ROA) | -0.3264% | 5,226 |
| Pretax return on assets | -0.3264% | 5,220 |
| Return on Equity (ROE) | -2.1694% | 5,220 |
| Retained earnings to average equity (ytd only) | -2.1694% | 4,757 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.9318% | 96 |
| Assets per employee ($millions) | 5.1144% | 2,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8967% | 4,172 |
| Loan loss allowance to noncurrent loans | 18.0967% | 4,741 |
| Noncurrent assets plus other real estate owned to assets | 2.5066% | 310 |
| Noncurrent loans to loans | 4.9548% | 114 |
| Net loans and leases to total assets | 50.1369% | 4,460 |
| Net loans and leases to deposits | 65.5236% | 4,092 |
| Net loans and leases to core deposits | 72.9917% | 3,867 |
| Total domestic deposits to total assets | 76.5173% | 4,709 |
| Equity capital to assets | 15.1064% | 736 |
| Core capital (leverage) ratio | 14.8560% | 730 |
| Tier 1 risk-based capital ratio | 36.5345% | 292 |
| Total risk-based capital ratio | 37.6587% | 289 |
| Memoranda: | ||
| Average total assets | $25,733,000 | 5,246 |
| Average earning assets | $24,553,500 | 5,219 |
| Average equity | $3,872,000 | 5,166 |
| Average total loans | $12,938,000 | 5,193 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8949% | 4,285 |
| Cost of funding earning assets | 1.0228% | 690 |
| Net interest margin | 2.8721% | 4,947 |
| Noninterest income to average assets | 0.1944% | 4,739 |
| Noninterest expense to average assets | 3.1759% | 1,611 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | -0.2527% | 5,279 |
| Return on assets (ROA) | -0.2527% | 5,276 |
| Pretax return on assets | -0.2527% | 5,274 |
| Return on Equity (ROE) | -1.6644% | 5,268 |
| Retained earnings to average equity (ytd only) | -1.6644% | 5,110 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.6436% | 90 |
| Assets per employee ($millions) | 5.1788% | 2,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8965% | 4,184 |
| Loan loss allowance to noncurrent loans | 65.9091% | 4,004 |
| Noncurrent assets plus other real estate owned to assets | 0.6797% | 2,026 |
| Noncurrent loans to loans | 1.3602% | 1,148 |
| Net loans and leases to total assets | 49.5211% | 4,558 |
| Net loans and leases to deposits | 66.1662% | 4,109 |
| Net loans and leases to core deposits | 70.7086% | 4,081 |
| Total domestic deposits to total assets | 74.8436% | 4,885 |
| Equity capital to assets | 14.9880% | 712 |
| Core capital (leverage) ratio | 14.7341% | 749 |
| Tier 1 risk-based capital ratio | 37.4567% | 266 |
| Total risk-based capital ratio | 38.6038% | 267 |
| Memoranda: | ||
| Average total assets | $25,725,200 | 5,290 |
| Average earning assets | $24,442,000 | 5,270 |
| Average equity | $3,905,200 | 5,192 |
| Average total loans | $12,994,800 | 5,233 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8657% | 4,289 |
| Cost of funding earning assets | 0.9733% | 668 |
| Net interest margin | 2.8924% | 4,983 |
| Noninterest income to average assets | 0.1973% | 4,794 |
| Noninterest expense to average assets | 3.0785% | 1,817 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | -0.1350% | 5,337 |
| Return on assets (ROA) | -0.1350% | 5,335 |
| Pretax return on assets | -0.1350% | 5,334 |
| Return on Equity (ROE) | -0.8864% | 5,330 |
| Retained earnings to average equity (ytd only) | -0.8864% | 5,128 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.5855% | 107 |
| Assets per employee ($millions) | 5.1120% | 2,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8781% | 4,347 |
| Loan loss allowance to noncurrent loans | 64.4444% | 4,111 |
| Noncurrent assets plus other real estate owned to assets | 0.7042% | 2,091 |
| Noncurrent loans to loans | 1.3626% | 1,224 |
| Net loans and leases to total assets | 51.2285% | 4,517 |
| Net loans and leases to deposits | 67.0937% | 4,119 |
| Net loans and leases to core deposits | 70.6752% | 4,148 |
| Total domestic deposits to total assets | 76.3537% | 4,750 |
| Equity capital to assets | 15.2621% | 669 |
| Core capital (leverage) ratio | 14.8928% | 724 |
| Tier 1 risk-based capital ratio | 36.4998% | 289 |
| Total risk-based capital ratio | 37.6061% | 286 |
| Memoranda: | ||
| Average total assets | $25,683,000 | 5,360 |
| Average earning assets | $24,385,000 | 5,339 |
| Average equity | $3,911,250 | 5,257 |
| Average total loans | $13,008,750 | 5,300 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8556% | 4,200 |
| Cost of funding earning assets | 0.9352% | 625 |
| Net interest margin | 2.9204% | 4,987 |
| Noninterest income to average assets | 0.1866% | 4,891 |
| Noninterest expense to average assets | 3.1099% | 1,761 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -0.1555% | 5,389 |
| Return on assets (ROA) | -0.1555% | 5,386 |
| Pretax return on assets | -0.1555% | 5,385 |
| Return on Equity (ROE) | -1.0218% | 5,377 |
| Retained earnings to average equity (ytd only) | -1.0218% | 5,070 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.2632% | 118 |
| Assets per employee ($millions) | 5.2256% | 2,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8981% | 4,348 |
| Loan loss allowance to noncurrent loans | 64.4444% | 4,110 |
| Noncurrent assets plus other real estate owned to assets | 0.6889% | 2,168 |
| Noncurrent loans to loans | 1.3936% | 1,215 |
| Net loans and leases to total assets | 48.9896% | 4,660 |
| Net loans and leases to deposits | 63.4606% | 4,321 |
| Net loans and leases to core deposits | 66.7153% | 4,327 |
| Total domestic deposits to total assets | 77.1969% | 4,709 |
| Equity capital to assets | 14.9533% | 695 |
| Core capital (leverage) ratio | 14.5427% | 771 |
| Tier 1 risk-based capital ratio | 36.2139% | 299 |
| Total risk-based capital ratio | 37.3314% | 293 |
| Memoranda: | ||
| Average total assets | $25,724,000 | 5,422 |
| Average earning assets | $24,380,330 | 5,398 |
| Average equity | $3,914,670 | 5,315 |
| Average total loans | $12,941,670 | 5,360 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8344% | 4,124 |
| Cost of funding earning assets | 0.9090% | 570 |
| Net interest margin | 2.9254% | 4,988 |
| Noninterest income to average assets | 0.1724% | 4,989 |
| Noninterest expense to average assets | 3.2129% | 1,538 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.2664% | 5,464 |
| Return on assets (ROA) | -0.2664% | 5,459 |
| Pretax return on assets | -0.2664% | 5,459 |
| Return on Equity (ROE) | -1.7354% | 5,445 |
| Retained earnings to average equity (ytd only) | -1.7354% | 4,985 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.0426% | 107 |
| Assets per employee ($millions) | 5.1892% | 2,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8768% | 4,544 |
| Loan loss allowance to noncurrent loans | 64.4444% | 4,120 |
| Noncurrent assets plus other real estate owned to assets | 0.7477% | 2,079 |
| Noncurrent loans to loans | 1.3605% | 1,316 |
| Net loans and leases to total assets | 50.5434% | 4,519 |
| Net loans and leases to deposits | 65.7739% | 4,106 |
| Net loans and leases to core deposits | 69.1156% | 4,139 |
| Total domestic deposits to total assets | 76.8442% | 4,876 |
| Equity capital to assets | 15.0698% | 654 |
| Core capital (leverage) ratio | 14.7114% | 710 |
| Tier 1 risk-based capital ratio | 36.2393% | 298 |
| Total risk-based capital ratio | 37.3567% | 298 |
| Memoranda: | ||
| Average total assets | $25,522,000 | 5,487 |
| Average earning assets | $24,202,000 | 5,462 |
| Average equity | $3,918,500 | 5,369 |
| Average total loans | $12,954,500 | 5,425 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8141% | 4,004 |
| Cost of funding earning assets | 0.8038% | 604 |
| Net interest margin | 3.0103% | 4,861 |
| Noninterest income to average assets | 0.2170% | 4,856 |
| Noninterest expense to average assets | 3.1116% | 1,826 |
| Loan and lease loss provision to assets | 0.0891% | 2,406 |
| Net operating income to assets | -0.3216% | 5,484 |
| Return on assets (ROA) | -0.3216% | 5,482 |
| Pretax return on assets | -0.1395% | 5,480 |
| Return on Equity (ROE) | -2.1057% | 5,463 |
| Retained earnings to average equity (ytd only) | -2.1057% | 5,290 |
| Net charge-offs to loans | 1.3436% | 122 |
| Credit loss provision to net charge-offs | 13.1429% | 3,651 |
| Earnings coverage of net charge-offs (x) | -0.0743% | 4,020 |
| Efficiency ratio | 101.6456% | 153 |
| Assets per employee ($millions) | 5.0196% | 2,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9149% | 4,393 |
| Loan loss allowance to noncurrent loans | 106.4220% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 0.4901% | 2,925 |
| Noncurrent loans to loans | 0.8597% | 2,078 |
| Net loans and leases to total assets | 50.0558% | 4,644 |
| Net loans and leases to deposits | 66.3060% | 4,163 |
| Net loans and leases to core deposits | 69.8527% | 4,184 |
| Total domestic deposits to total assets | 75.4921% | 5,031 |
| Equity capital to assets | 15.6467% | 559 |
| Core capital (leverage) ratio | 15.2140% | 587 |
| Tier 1 risk-based capital ratio | 37.6170% | 262 |
| Total risk-based capital ratio | 38.7717% | 257 |
| Memoranda: | ||
| Average total assets | $25,806,600 | 5,538 |
| Average earning assets | $24,383,200 | 5,517 |
| Average equity | $3,941,600 | 5,429 |
| Average total loans | $13,024,600 | 5,485 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7701% | 4,102 |
| Cost of funding earning assets | 0.7931% | 602 |
| Net interest margin | 2.9770% | 4,968 |
| Noninterest income to average assets | 0.2309% | 4,830 |
| Noninterest expense to average assets | 3.0377% | 2,009 |
| Loan and lease loss provision to assets | 0.1180% | 1,834 |
| Net operating income to assets | -0.1129% | 5,556 |
| Return on assets (ROA) | -0.1129% | 5,560 |
| Pretax return on assets | -0.1129% | 5,549 |
| Return on Equity (ROE) | -0.7434% | 5,548 |
| Retained earnings to average equity (ytd only) | -0.7434% | 5,322 |
| Net charge-offs to loans | 1.7797% | 84 |
| Credit loss provision to net charge-offs | 13.1429% | 3,202 |
| Earnings coverage of net charge-offs (x) | 0.0057% | 3,693 |
| Efficiency ratio | 99.8314% | 181 |
| Assets per employee ($millions) | 5.0360% | 2,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9277% | 4,437 |
| Loan loss allowance to noncurrent loans | 44.7876% | 4,645 |
| Noncurrent assets plus other real estate owned to assets | 1.0842% | 1,539 |
| Noncurrent loans to loans | 2.0713% | 810 |
| Net loans and leases to total assets | 49.1978% | 4,755 |
| Net loans and leases to deposits | 63.8688% | 4,388 |
| Net loans and leases to core deposits | 66.2921% | 4,464 |
| Total domestic deposits to total assets | 77.0294% | 4,886 |
| Equity capital to assets | 15.8380% | 571 |
| Core capital (leverage) ratio | 14.7830% | 703 |
| Tier 1 risk-based capital ratio | 38.5114% | 242 |
| Total risk-based capital ratio | 39.7039% | 239 |
| Memoranda: | ||
| Average total assets | $25,983,750 | 5,598 |
| Average earning assets | $24,543,250 | 5,579 |
| Average equity | $3,945,250 | 5,488 |
| Average total loans | $13,111,000 | 5,547 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7906% | 3,926 |
| Cost of funding earning assets | 0.7807% | 576 |
| Net interest margin | 3.0099% | 4,892 |
| Noninterest income to average assets | 0.2133% | 4,979 |
| Noninterest expense to average assets | 3.0246% | 2,054 |
| Loan and lease loss provision to assets | 0.0305% | 3,393 |
| Net operating income to assets | 0.0076% | 5,550 |
| Return on assets (ROA) | 0.0076% | 5,552 |
| Pretax return on assets | 0.0076% | 5,546 |
| Return on Equity (ROE) | 0.0509% | 5,550 |
| Retained earnings to average equity (ytd only) | 0.0509% | 5,060 |
| Net charge-offs to loans | 2.6289% | 55 |
| Credit loss provision to net charge-offs | 2.2857% | 2,893 |
| Earnings coverage of net charge-offs (x) | 0.0286% | 3,410 |
| Efficiency ratio | 98.7562% | 204 |
| Assets per employee ($millions) | 5.1824% | 2,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7622% | 5,045 |
| Loan loss allowance to noncurrent loans | 86.6071% | 3,819 |
| Noncurrent assets plus other real estate owned to assets | 0.4863% | 3,146 |
| Noncurrent loans to loans | 0.8800% | 2,218 |
| Net loans and leases to total assets | 48.7419% | 4,781 |
| Net loans and leases to deposits | 62.8202% | 4,443 |
| Net loans and leases to core deposits | 67.5546% | 4,372 |
| Total domestic deposits to total assets | 77.5895% | 4,882 |
| Equity capital to assets | 15.1706% | 678 |
| Core capital (leverage) ratio | 14.7769% | 684 |
| Tier 1 risk-based capital ratio | 35.0633% | 304 |
| Total risk-based capital ratio | 35.9465% | 307 |
| Memoranda: | ||
| Average total assets | $26,251,670 | 5,644 |
| Average earning assets | $24,851,000 | 5,621 |
| Average equity | $3,931,000 | 5,531 |
| Average total loans | $13,313,330 | 5,589 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8663% | 3,523 |
| Cost of funding earning assets | 0.7669% | 592 |
| Net interest margin | 3.0994% | 4,651 |
| Noninterest income to average assets | 0.2574% | 4,694 |
| Noninterest expense to average assets | 3.1944% | 1,625 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.0000% | 5,603 |
| Return on assets (ROA) | 0.0000% | 5,610 |
| Pretax return on assets | 0.0000% | 5,599 |
| Return on Equity (ROE) | 0.0000% | 5,609 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,911 |
| Net charge-offs to loans | 3.6159% | 39 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,852 |
| Efficiency ratio | 100.0000% | 222 |
| Assets per employee ($millions) | 4.4042% | 3,324 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0806% | 3,822 |
| Loan loss allowance to noncurrent loans | 92.9487% | 3,738 |
| Noncurrent assets plus other real estate owned to assets | 0.6433% | 2,706 |
| Noncurrent loans to loans | 1.1625% | 1,747 |
| Net loans and leases to total assets | 50.2327% | 4,655 |
| Net loans and leases to deposits | 64.5309% | 4,278 |
| Net loans and leases to core deposits | 69.2436% | 4,204 |
| Total domestic deposits to total assets | 77.8430% | 4,986 |
| Equity capital to assets | 14.8723% | 681 |
| Core capital (leverage) ratio | 14.6544% | 677 |
| Tier 1 risk-based capital ratio | 36.7612% | 279 |
| Total risk-based capital ratio | 38.0216% | 276 |
| Memoranda: | ||
| Average total assets | $26,421,500 | 5,712 |
| Average earning assets | $25,037,000 | 5,684 |
| Average equity | $3,931,000 | 5,589 |
| Average total loans | $13,606,500 | 5,644 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9591% | 3,346 |
| Cost of funding earning assets | 0.8005% | 508 |
| Net interest margin | 3.1586% | 4,569 |
| Noninterest income to average assets | 0.1761% | 5,344 |
| Noninterest expense to average assets | 3.3163% | 1,542 |
| Loan and lease loss provision to assets | 0.7495% | 152 |
| Net operating income to assets | -0.8881% | 5,826 |
| Return on assets (ROA) | -0.8881% | 5,830 |
| Pretax return on assets | -0.8881% | 5,822 |
| Return on Equity (ROE) | -5.9277% | 5,803 |
| Retained earnings to average equity (ytd only) | -5.9277% | 5,705 |
| Net charge-offs to loans | 0.5202% | 467 |
| Credit loss provision to net charge-offs | 273.9726% | 1,056 |
| Earnings coverage of net charge-offs (x) | -0.5068% | 4,161 |
| Efficiency ratio | 104.3632% | 178 |
| Assets per employee ($millions) | 4.4030% | 3,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9429% | 737 |
| Loan loss allowance to noncurrent loans | 98.1685% | 3,667 |
| Noncurrent assets plus other real estate owned to assets | 1.2832% | 1,383 |
| Noncurrent loans to loans | 1.9791% | 913 |
| Net loans and leases to total assets | 51.1999% | 4,673 |
| Net loans and leases to deposits | 65.9773% | 4,242 |
| Net loans and leases to core deposits | 69.9126% | 4,251 |
| Total domestic deposits to total assets | 77.6024% | 5,032 |
| Equity capital to assets | 14.8838% | 659 |
| Core capital (leverage) ratio | 14.6003% | 672 |
| Tier 1 risk-based capital ratio | 37.4380% | 264 |
| Total risk-based capital ratio | 38.7112% | 258 |
| Memoranda: | ||
| Average total assets | $26,686,000 | 5,760 |
| Average earning assets | $25,359,200 | 5,729 |
| Average equity | $3,998,200 | 5,644 |
| Average total loans | $14,032,600 | 5,686 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8923% | 3,611 |
| Cost of funding earning assets | 0.8068% | 491 |
| Net interest margin | 3.0855% | 4,809 |
| Noninterest income to average assets | 0.2492% | 4,975 |
| Noninterest expense to average assets | 3.2444% | 1,695 |
| Loan and lease loss provision to assets | 0.9967% | 104 |
| Net operating income to assets | -1.0566% | 5,911 |
| Return on assets (ROA) | -1.0566% | 5,911 |
| Pretax return on assets | -1.0566% | 5,903 |
| Return on Equity (ROE) | -7.0405% | 5,885 |
| Retained earnings to average equity (ytd only) | -7.0405% | 5,795 |
| Net charge-offs to loans | 0.6907% | 270 |
| Credit loss provision to net charge-offs | 273.9726% | 1,119 |
| Earnings coverage of net charge-offs (x) | -0.1644% | 3,831 |
| Efficiency ratio | 101.8779% | 199 |
| Assets per employee ($millions) | 4.4240% | 3,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9184% | 831 |
| Loan loss allowance to noncurrent loans | 98.1685% | 3,659 |
| Noncurrent assets plus other real estate owned to assets | 1.2771% | 1,514 |
| Noncurrent loans to loans | 1.9542% | 1,016 |
| Net loans and leases to total assets | 51.6200% | 4,684 |
| Net loans and leases to deposits | 65.1576% | 4,412 |
| Net loans and leases to core deposits | 68.9270% | 4,402 |
| Total domestic deposits to total assets | 79.2232% | 4,668 |
| Equity capital to assets | 14.9073% | 758 |
| Core capital (leverage) ratio | 14.6435% | 692 |
| Tier 1 risk-based capital ratio | 37.3111% | 277 |
| Total risk-based capital ratio | 38.5815% | 274 |
| Memoranda: | ||
| Average total assets | $26,753,000 | 5,822 |
| Average earning assets | $25,451,250 | 5,789 |
| Average equity | $4,014,750 | 5,702 |
| Average total loans | $14,092,250 | 5,740 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9445% | 3,450 |
| Cost of funding earning assets | 0.8077% | 475 |
| Net interest margin | 3.1368% | 4,735 |
| Noninterest income to average assets | 0.2386% | 5,058 |
| Noninterest expense to average assets | 3.2062% | 1,795 |
| Loan and lease loss provision to assets | 1.4913% | 61 |
| Net operating income to assets | -1.4764% | 5,998 |
| Return on assets (ROA) | -1.4764% | 5,998 |
| Pretax return on assets | -1.4764% | 5,994 |
| Return on Equity (ROE) | -9.8166% | 5,980 |
| Retained earnings to average equity (ytd only) | -9.8166% | 5,878 |
| Net charge-offs to loans | 1.0330% | 171 |
| Credit loss provision to net charge-offs | 273.9726% | 1,032 |
| Earnings coverage of net charge-offs (x) | 0.0274% | 3,560 |
| Efficiency ratio | 99.5370% | 250 |
| Assets per employee ($millions) | 4.4370% | 3,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9774% | 771 |
| Loan loss allowance to noncurrent loans | 97.8102% | 3,753 |
| Noncurrent assets plus other real estate owned to assets | 1.2771% | 1,595 |
| Noncurrent loans to loans | 2.0217% | 979 |
| Net loans and leases to total assets | 49.9023% | 4,846 |
| Net loans and leases to deposits | 62.8251% | 4,585 |
| Net loans and leases to core deposits | 66.4283% | 4,577 |
| Total domestic deposits to total assets | 79.4305% | 4,687 |
| Equity capital to assets | 14.9162% | 747 |
| Core capital (leverage) ratio | 14.6091% | 695 |
| Tier 1 risk-based capital ratio | 37.7291% | 270 |
| Total risk-based capital ratio | 38.9896% | 269 |
| Memoranda: | ||
| Average total assets | $26,822,670 | 5,892 |
| Average earning assets | $25,504,000 | 5,862 |
| Average equity | $4,034,000 | 5,757 |
| Average total loans | $14,133,000 | 5,809 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8333% | 3,829 |
| Cost of funding earning assets | 0.7980% | 496 |
| Net interest margin | 3.0353% | 5,034 |
| Noninterest income to average assets | 0.1931% | 5,350 |
| Noninterest expense to average assets | 3.2983% | 1,606 |
| Loan and lease loss provision to assets | 2.9714% | 21 |
| Net operating income to assets | -3.1943% | 6,094 |
| Return on assets (ROA) | -3.1943% | 6,093 |
| Pretax return on assets | -3.1943% | 6,088 |
| Return on Equity (ROE) | -21.1536% | 6,073 |
| Retained earnings to average equity (ytd only) | -21.1536% | 5,978 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.2464% | 183 |
| Assets per employee ($millions) | 4.4760% | 3,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4043% | 438 |
| Loan loss allowance to noncurrent loans | 71.0417% | 4,301 |
| Noncurrent assets plus other real estate owned to assets | 1.9809% | 885 |
| Noncurrent loans to loans | 3.3843% | 421 |
| Net loans and leases to total assets | 51.5416% | 4,673 |
| Net loans and leases to deposits | 64.8489% | 4,355 |
| Net loans and leases to core deposits | 68.5214% | 4,354 |
| Total domestic deposits to total assets | 79.4794% | 4,861 |
| Equity capital to assets | 14.7379% | 763 |
| Core capital (leverage) ratio | 14.3541% | 725 |
| Tier 1 risk-based capital ratio | 35.1902% | 328 |
| Total risk-based capital ratio | 36.4646% | 324 |
| Memoranda: | ||
| Average total assets | $26,923,000 | 5,952 |
| Average earning assets | $25,565,500 | 5,922 |
| Average equity | $4,065,500 | 5,802 |
| Average total loans | $14,423,000 | 5,860 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1587% | 2,709 |
| Cost of funding earning assets | 0.8411% | 392 |
| Net interest margin | 3.3176% | 4,217 |
| Noninterest income to average assets | 0.2359% | 5,182 |
| Noninterest expense to average assets | 3.3472% | 1,616 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.0295% | 5,845 |
| Return on assets (ROA) | 0.0295% | 5,871 |
| Pretax return on assets | 0.0295% | 5,869 |
| Return on Equity (ROE) | 0.1918% | 5,873 |
| Retained earnings to average equity (ytd only) | 0.1918% | 5,431 |
| Net charge-offs to loans | 0.2211% | 1,339 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 0.2424% | 4,248 |
| Efficiency ratio | 99.1266% | 304 |
| Assets per employee ($millions) | 4.4983% | 3,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9616% | 4,805 |
| Loan loss allowance to noncurrent loans | 84.9398% | 4,014 |
| Noncurrent assets plus other real estate owned to assets | 0.8077% | 2,649 |
| Noncurrent loans to loans | 1.1321% | 2,074 |
| Net loans and leases to total assets | 53.8051% | 4,526 |
| Net loans and leases to deposits | 68.8801% | 4,037 |
| Net loans and leases to core deposits | 72.8175% | 4,059 |
| Total domestic deposits to total assets | 78.1141% | 5,144 |
| Equity capital to assets | 15.4613% | 603 |
| Core capital (leverage) ratio | 15.3357% | 561 |
| Tier 1 risk-based capital ratio | 35.9119% | 313 |
| Total risk-based capital ratio | 37.1389% | 309 |
| Memoranda: | ||
| Average total assets | $27,126,800 | 6,001 |
| Average earning assets | $25,681,400 | 5,974 |
| Average equity | $4,171,400 | 5,825 |
| Average total loans | $14,923,800 | 5,897 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1442% | 2,772 |
| Cost of funding earning assets | 0.8454% | 383 |
| Net interest margin | 3.2988% | 4,346 |
| Noninterest income to average assets | 0.2553% | 5,115 |
| Noninterest expense to average assets | 3.2840% | 1,727 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.0933% | 5,857 |
| Return on assets (ROA) | 0.0933% | 5,895 |
| Pretax return on assets | 0.0933% | 5,894 |
| Return on Equity (ROE) | 0.6073% | 5,910 |
| Retained earnings to average equity (ytd only) | 0.6073% | 5,436 |
| Net charge-offs to loans | 0.2935% | 909 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 0.5757% | 3,933 |
| Efficiency ratio | 97.2384% | 380 |
| Assets per employee ($millions) | 4.5390% | 2,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9499% | 4,984 |
| Loan loss allowance to noncurrent loans | 82.4561% | 4,105 |
| Noncurrent assets plus other real estate owned to assets | 0.9400% | 2,511 |
| Noncurrent loans to loans | 1.1521% | 2,208 |
| Net loans and leases to total assets | 53.9840% | 4,567 |
| Net loans and leases to deposits | 69.1794% | 4,078 |
| Net loans and leases to core deposits | 73.0897% | 4,097 |
| Total domestic deposits to total assets | 78.0348% | 5,177 |
| Equity capital to assets | 15.3631% | 670 |
| Core capital (leverage) ratio | 15.1013% | 618 |
| Tier 1 risk-based capital ratio | 34.6427% | 356 |
| Total risk-based capital ratio | 35.8364% | 356 |
| Memoranda: | ||
| Average total assets | $27,161,000 | 6,084 |
| Average earning assets | $25,706,000 | 6,055 |
| Average equity | $4,171,000 | 5,905 |
| Average total loans | $14,989,000 | 5,973 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0890% | 2,936 |
| Cost of funding earning assets | 0.8490% | 383 |
| Net interest margin | 3.2400% | 4,529 |
| Noninterest income to average assets | 0.3611% | 4,355 |
| Noninterest expense to average assets | 3.2797% | 1,760 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.1474% | 5,813 |
| Return on assets (ROA) | 0.1474% | 5,861 |
| Pretax return on assets | 0.1474% | 5,882 |
| Return on Equity (ROE) | 0.9600% | 5,908 |
| Retained earnings to average equity (ytd only) | 0.9600% | 5,187 |
| Net charge-offs to loans | 0.2261% | 1,132 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 1.1765% | 3,564 |
| Efficiency ratio | 95.6989% | 444 |
| Assets per employee ($millions) | 4.5397% | 2,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0556% | 4,570 |
| Loan loss allowance to noncurrent loans | 436.1111% | 1,169 |
| Noncurrent assets plus other real estate owned to assets | 0.5691% | 3,705 |
| Noncurrent loans to loans | 0.2420% | 4,791 |
| Net loans and leases to total assets | 54.0275% | 4,553 |
| Net loans and leases to deposits | 69.3693% | 3,997 |
| Net loans and leases to core deposits | 73.2869% | 4,017 |
| Total domestic deposits to total assets | 77.8838% | 5,300 |
| Equity capital to assets | 15.3425% | 638 |
| Core capital (leverage) ratio | 15.3803% | 562 |
| Tier 1 risk-based capital ratio | 34.9160% | 362 |
| Total risk-based capital ratio | 36.1765% | 363 |
| Memoranda: | ||
| Average total assets | $27,136,670 | 6,155 |
| Average earning assets | $25,678,670 | 6,119 |
| Average equity | $4,166,670 | 5,964 |
| Average total loans | $15,037,670 | 6,032 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1593% | 2,606 |
| Cost of funding earning assets | 0.8412% | 397 |
| Net interest margin | 3.3181% | 4,143 |
| Noninterest income to average assets | 0.3249% | 4,585 |
| Noninterest expense to average assets | 3.4261% | 1,441 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.0443% | 5,962 |
| Return on assets (ROA) | 0.0443% | 6,006 |
| Pretax return on assets | 0.0443% | 6,003 |
| Return on Equity (ROE) | 0.2884% | 6,015 |
| Retained earnings to average equity (ytd only) | 0.2884% | 5,279 |
| Net charge-offs to loans | 0.4497% | 551 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 0.1765% | 3,093 |
| Efficiency ratio | 98.7234% | 408 |
| Assets per employee ($millions) | 4.4647% | 3,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0516% | 4,753 |
| Loan loss allowance to noncurrent loans | 436.1111% | 1,130 |
| Noncurrent assets plus other real estate owned to assets | 0.5786% | 3,747 |
| Noncurrent loans to loans | 0.2411% | 4,917 |
| Net loans and leases to total assets | 55.1478% | 4,300 |
| Net loans and leases to deposits | 71.4500% | 3,597 |
| Net loans and leases to core deposits | 75.5845% | 3,635 |
| Total domestic deposits to total assets | 77.1838% | 5,585 |
| Equity capital to assets | 15.5368% | 613 |
| Core capital (leverage) ratio | 15.3103% | 564 |
| Tier 1 risk-based capital ratio | 34.2103% | 387 |
| Total risk-based capital ratio | 35.4552% | 381 |
| Memoranda: | ||
| Average total assets | $27,086,000 | 6,222 |
| Average earning assets | $25,677,500 | 6,182 |
| Average equity | $4,160,500 | 6,019 |
| Average total loans | $15,120,000 | 6,082 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2367% | 2,825 |
| Cost of funding earning assets | 0.8633% | 473 |
| Net interest margin | 3.3734% | 4,312 |
| Noninterest income to average assets | 0.3237% | 4,802 |
| Noninterest expense to average assets | 3.1871% | 2,245 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.3273% | 5,448 |
| Return on assets (ROA) | 0.3273% | 5,517 |
| Pretax return on assets | 0.3273% | 5,651 |
| Return on Equity (ROE) | 2.2129% | 5,718 |
| Retained earnings to average equity (ytd only) | 2.2129% | 4,674 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6858% | 805 |
| Assets per employee ($millions) | 4.5640% | 2,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1365% | 4,356 |
| Loan loss allowance to noncurrent loans | 483.3333% | 1,095 |
| Noncurrent assets plus other real estate owned to assets | 0.7340% | 3,373 |
| Noncurrent loans to loans | 0.2351% | 4,988 |
| Net loans and leases to total assets | 55.2732% | 4,412 |
| Net loans and leases to deposits | 71.0544% | 3,783 |
| Net loans and leases to core deposits | 75.0235% | 3,821 |
| Total domestic deposits to total assets | 77.7900% | 5,470 |
| Equity capital to assets | 15.1877% | 673 |
| Core capital (leverage) ratio | 15.1877% | 577 |
| Tier 1 risk-based capital ratio | 37.2537% | 278 |
| Total risk-based capital ratio | 38.5077% | 271 |
| Memoranda: | ||
| Average total assets | $27,799,800 | 6,295 |
| Average earning assets | $26,294,000 | 6,257 |
| Average equity | $4,112,200 | 6,069 |
| Average total loans | $15,653,000 | 6,141 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2689% | 2,752 |
| Cost of funding earning assets | 0.8295% | 596 |
| Net interest margin | 3.4394% | 4,071 |
| Noninterest income to average assets | 0.2724% | 5,267 |
| Noninterest expense to average assets | 3.1441% | 2,338 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3775% | 5,330 |
| Return on assets (ROA) | 0.3775% | 5,410 |
| Pretax return on assets | 0.3775% | 5,632 |
| Return on Equity (ROE) | 2.5687% | 5,691 |
| Retained earnings to average equity (ytd only) | 2.5687% | 4,756 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2809% | 895 |
| Assets per employee ($millions) | 4.6438% | 2,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1168% | 4,674 |
| Loan loss allowance to noncurrent loans | 395.4545% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 0.8470% | 3,298 |
| Noncurrent loans to loans | 0.2824% | 5,064 |
| Net loans and leases to total assets | 55.2920% | 4,423 |
| Net loans and leases to deposits | 72.5500% | 3,620 |
| Net loans and leases to core deposits | 76.6048% | 3,678 |
| Total domestic deposits to total assets | 76.2122% | 5,785 |
| Equity capital to assets | 14.8835% | 756 |
| Core capital (leverage) ratio | 14.8835% | 639 |
| Tier 1 risk-based capital ratio | 36.7674% | 305 |
| Total risk-based capital ratio | 38.0264% | 298 |
| Memoranda: | ||
| Average total assets | $27,903,750 | 6,367 |
| Average earning assets | $26,360,500 | 6,332 |
| Average equity | $4,100,500 | 6,139 |
| Average total loans | $15,738,750 | 6,205 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2967% | 2,589 |
| Cost of funding earning assets | 0.8365% | 593 |
| Net interest margin | 3.4602% | 3,938 |
| Noninterest income to average assets | 0.2937% | 5,070 |
| Noninterest expense to average assets | 3.2310% | 2,098 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3224% | 5,487 |
| Return on assets (ROA) | 0.3224% | 5,564 |
| Pretax return on assets | 0.3224% | 5,741 |
| Return on Equity (ROE) | 2.2032% | 5,793 |
| Retained earnings to average equity (ytd only) | 2.2032% | 4,789 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9274% | 838 |
| Assets per employee ($millions) | 4.5967% | 2,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0985% | 4,914 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6962% | 3,891 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 56.8020% | 4,142 |
| Net loans and leases to deposits | 74.8674% | 3,213 |
| Net loans and leases to core deposits | 79.1052% | 3,311 |
| Total domestic deposits to total assets | 75.8702% | 5,924 |
| Equity capital to assets | 14.9130% | 719 |
| Core capital (leverage) ratio | 14.9130% | 620 |
| Tier 1 risk-based capital ratio | 34.7646% | 354 |
| Total risk-based capital ratio | 35.9564% | 350 |
| Memoranda: | ||
| Average total assets | $27,917,330 | 6,429 |
| Average earning assets | $26,299,330 | 6,391 |
| Average equity | $4,085,000 | 6,182 |
| Average total loans | $15,791,670 | 6,257 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3527% | 2,314 |
| Cost of funding earning assets | 0.8645% | 546 |
| Net interest margin | 3.4882% | 3,748 |
| Noninterest income to average assets | 0.2279% | 5,528 |
| Noninterest expense to average assets | 3.4181% | 1,653 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0855% | 6,062 |
| Return on assets (ROA) | 0.0855% | 6,087 |
| Pretax return on assets | 0.0855% | 6,102 |
| Return on Equity (ROE) | 0.5895% | 6,123 |
| Retained earnings to average equity (ytd only) | 0.5895% | 5,347 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5610% | 563 |
| Assets per employee ($millions) | 4.6668% | 2,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1043% | 5,097 |
| Loan loss allowance to noncurrent loans | 294.9153% | 1,508 |
| Noncurrent assets plus other real estate owned to assets | 1.4892% | 2,369 |
| Noncurrent loans to loans | 0.3745% | 5,004 |
| Net loans and leases to total assets | 55.6480% | 4,189 |
| Net loans and leases to deposits | 71.5328% | 3,402 |
| Net loans and leases to core deposits | 75.4029% | 3,476 |
| Total domestic deposits to total assets | 77.7937% | 5,856 |
| Equity capital to assets | 14.5495% | 777 |
| Core capital (leverage) ratio | 14.5495% | 689 |
| Tier 1 risk-based capital ratio | 33.6416% | 396 |
| Total risk-based capital ratio | 34.8472% | 392 |
| Memoranda: | ||
| Average total assets | $28,086,000 | 6,493 |
| Average earning assets | $26,374,500 | 6,457 |
| Average equity | $4,071,000 | 6,233 |
| Average total loans | $15,767,500 | 6,316 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1597% | 3,501 |
| Cost of funding earning assets | 0.9426% | 597 |
| Net interest margin | 3.2171% | 4,940 |
| Noninterest income to average assets | 0.2223% | 5,747 |
| Noninterest expense to average assets | 3.1666% | 2,527 |
| Loan and lease loss provision to assets | 0.4446% | 654 |
| Net operating income to assets | -0.3659% | 6,445 |
| Return on assets (ROA) | -0.3659% | 6,459 |
| Pretax return on assets | -0.3659% | 6,443 |
| Return on Equity (ROE) | -2.5610% | 6,402 |
| Retained earnings to average equity (ytd only) | -2.5610% | 6,225 |
| Net charge-offs to loans | 0.8866% | 690 |
| Credit loss provision to net charge-offs | 89.6552% | 2,769 |
| Earnings coverage of net charge-offs (x) | 0.1586% | 5,027 |
| Efficiency ratio | 97.5764% | 558 |
| Assets per employee ($millions) | 4.6952% | 2,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1027% | 5,133 |
| Loan loss allowance to noncurrent loans | 79.0909% | 4,205 |
| Noncurrent assets plus other real estate owned to assets | 3.0137% | 1,046 |
| Noncurrent loans to loans | 1.3943% | 2,803 |
| Net loans and leases to total assets | 55.3938% | 4,400 |
| Net loans and leases to deposits | 69.6527% | 3,823 |
| Net loans and leases to core deposits | 71.2655% | 4,154 |
| Total domestic deposits to total assets | 79.5286% | 5,541 |
| Equity capital to assets | 14.4404% | 796 |
| Core capital (leverage) ratio | 14.4404% | 702 |
| Tier 1 risk-based capital ratio | 35.7532% | 303 |
| Total risk-based capital ratio | 37.0012% | 297 |
| Memoranda: | ||
| Average total assets | $29,243,000 | 6,536 |
| Average earning assets | $27,478,000 | 6,497 |
| Average equity | $4,178,000 | 6,287 |
| Average total loans | $16,354,400 | 6,358 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1679% | 3,497 |
| Cost of funding earning assets | 0.9470% | 655 |
| Net interest margin | 3.2209% | 4,930 |
| Noninterest income to average assets | 0.2304% | 5,782 |
| Noninterest expense to average assets | 3.1852% | 2,408 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.0723% | 6,186 |
| Return on assets (ROA) | 0.0723% | 6,242 |
| Pretax return on assets | 0.0723% | 6,234 |
| Return on Equity (ROE) | 0.5072% | 6,268 |
| Retained earnings to average equity (ytd only) | 0.5072% | 5,764 |
| Net charge-offs to loans | 0.2020% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 0.6400% | 4,639 |
| Efficiency ratio | 97.7809% | 535 |
| Assets per employee ($millions) | 4.8167% | 2,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9947% | 5,755 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.5882% | 2,557 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 56.4810% | 4,249 |
| Net loans and leases to deposits | 71.2795% | 3,601 |
| Net loans and leases to core deposits | 72.8901% | 3,987 |
| Total domestic deposits to total assets | 79.2388% | 5,689 |
| Equity capital to assets | 14.5640% | 804 |
| Core capital (leverage) ratio | 14.5640% | 720 |
| Tier 1 risk-based capital ratio | 37.3934% | 275 |
| Total risk-based capital ratio | 38.6816% | 275 |
| Memoranda: | ||
| Average total assets | $29,511,000 | 6,597 |
| Average earning assets | $27,734,750 | 6,571 |
| Average equity | $4,205,500 | 6,353 |
| Average total loans | $16,498,250 | 6,414 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0988% | 3,739 |
| Cost of funding earning assets | 0.9619% | 668 |
| Net interest margin | 3.1369% | 5,168 |
| Noninterest income to average assets | 0.3096% | 5,230 |
| Noninterest expense to average assets | 3.0423% | 2,867 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2087% | 5,866 |
| Return on assets (ROA) | 0.2087% | 5,999 |
| Pretax return on assets | 0.2087% | 6,069 |
| Return on Equity (ROE) | 1.4747% | 6,101 |
| Retained earnings to average equity (ytd only) | 1.4747% | 5,282 |
| Net charge-offs to loans | 0.3030% | 1,973 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 1.2400% | 4,132 |
| Efficiency ratio | 93.5818% | 781 |
| Assets per employee ($millions) | 4.9377% | 2,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0044% | 5,799 |
| Loan loss allowance to noncurrent loans | 52.5641% | 5,093 |
| Noncurrent assets plus other real estate owned to assets | 3.3518% | 1,168 |
| Noncurrent loans to loans | 1.9108% | 2,493 |
| Net loans and leases to total assets | 54.5602% | 4,512 |
| Net loans and leases to deposits | 70.0924% | 3,703 |
| Net loans and leases to core deposits | 70.8761% | 4,177 |
| Total domestic deposits to total assets | 77.8404% | 6,006 |
| Equity capital to assets | 14.2577% | 889 |
| Core capital (leverage) ratio | 14.2577% | 758 |
| Tier 1 risk-based capital ratio | 36.0102% | 303 |
| Total risk-based capital ratio | 37.2464% | 299 |
| Memoranda: | ||
| Average total assets | $29,714,670 | 6,643 |
| Average earning assets | $27,861,670 | 6,616 |
| Average equity | $4,204,330 | 6,405 |
| Average total loans | $16,502,000 | 6,455 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2578% | 3,068 |
| Cost of funding earning assets | 0.9892% | 651 |
| Net interest margin | 3.2686% | 4,637 |
| Noninterest income to average assets | 0.1882% | 6,129 |
| Noninterest expense to average assets | 3.2259% | 2,277 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0269% | 6,299 |
| Return on assets (ROA) | 0.0269% | 6,379 |
| Pretax return on assets | 0.0269% | 6,373 |
| Return on Equity (ROE) | 0.1907% | 6,390 |
| Retained earnings to average equity (ytd only) | 0.1907% | 5,720 |
| Net charge-offs to loans | 0.6028% | 1,013 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.0800% | 3,793 |
| Efficiency ratio | 99.1736% | 575 |
| Assets per employee ($millions) | 4.9105% | 2,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9961% | 5,995 |
| Loan loss allowance to noncurrent loans | 40.6948% | 5,578 |
| Noncurrent assets plus other real estate owned to assets | 3.9745% | 1,009 |
| Noncurrent loans to loans | 2.4476% | 2,103 |
| Net loans and leases to total assets | 55.3270% | 4,196 |
| Net loans and leases to deposits | 71.4361% | 3,258 |
| Net loans and leases to core deposits | 72.2402% | 3,790 |
| Total domestic deposits to total assets | 77.4497% | 6,198 |
| Equity capital to assets | 14.2416% | 955 |
| Core capital (leverage) ratio | 14.2416% | 733 |
| Tier 1 risk-based capital ratio | 35.3943% | 334 |
| Total risk-based capital ratio | 36.7271% | 327 |
| Memoranda: | ||
| Average total assets | $29,759,000 | 6,716 |
| Average earning assets | $27,902,000 | 6,677 |
| Average equity | $4,194,500 | 6,468 |
| Average total loans | $16,589,000 | 6,502 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3872% | 3,867 |
| Cost of funding earning assets | 1.2126% | 545 |
| Net interest margin | 3.1746% | 5,632 |
| Noninterest income to average assets | 0.2677% | 5,542 |
| Noninterest expense to average assets | 3.2885% | 2,377 |
| Loan and lease loss provision to assets | 0.1976% | 3,161 |
| Net operating income to assets | -0.2485% | 6,409 |
| Return on assets (ROA) | -0.2485% | 6,470 |
| Pretax return on assets | -0.2485% | 6,452 |
| Return on Equity (ROE) | -1.8780% | 6,447 |
| Retained earnings to average equity (ytd only) | -1.8780% | 6,145 |
| Net charge-offs to loans | 0.3385% | 2,943 |
| Credit loss provision to net charge-offs | 103.3333% | 2,901 |
| Earnings coverage of net charge-offs (x) | -0.2667% | 5,600 |
| Efficiency ratio | 101.5748% | 503 |
| Assets per employee ($millions) | 5.0092% | 2,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1309% | 5,440 |
| Loan loss allowance to noncurrent loans | 86.6972% | 3,711 |
| Noncurrent assets plus other real estate owned to assets | 3.0710% | 1,533 |
| Noncurrent loans to loans | 1.3044% | 3,655 |
| Net loans and leases to total assets | 54.9792% | 4,452 |
| Net loans and leases to deposits | 70.7272% | 3,597 |
| Net loans and leases to core deposits | 71.5015% | 4,102 |
| Total domestic deposits to total assets | 77.7342% | 6,119 |
| Equity capital to assets | 13.9511% | 1,069 |
| Core capital (leverage) ratio | 13.9511% | 817 |
| Tier 1 risk-based capital ratio | 34.4507% | 352 |
| Total risk-based capital ratio | 35.6750% | 351 |
| Memoranda: | ||
| Average total assets | $31,382,200 | 6,722 |
| Average earning assets | $29,358,200 | 6,680 |
| Average equity | $4,153,400 | 6,533 |
| Average total loans | $17,725,600 | 6,522 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4268% | 3,937 |
| Cost of funding earning assets | 1.2642% | 522 |
| Net interest margin | 3.1626% | 5,793 |
| Noninterest income to average assets | 0.2606% | 5,702 |
| Noninterest expense to average assets | 3.3255% | 2,205 |
| Loan and lease loss provision to assets | 0.2606% | 2,493 |
| Net operating income to assets | -0.3700% | 6,633 |
| Return on assets (ROA) | -0.3700% | 6,676 |
| Pretax return on assets | -0.3700% | 6,643 |
| Return on Equity (ROE) | -2.8317% | 6,616 |
| Retained earnings to average equity (ytd only) | -2.8317% | 6,467 |
| Net charge-offs to loans | 0.4450% | 2,326 |
| Credit loss provision to net charge-offs | 103.3333% | 2,850 |
| Earnings coverage of net charge-offs (x) | -0.4334% | 5,479 |
| Efficiency ratio | 103.3987% | 434 |
| Assets per employee ($millions) | 5.1270% | 2,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0812% | 5,791 |
| Loan loss allowance to noncurrent loans | 86.3014% | 3,642 |
| Noncurrent assets plus other real estate owned to assets | 3.0037% | 1,741 |
| Noncurrent loans to loans | 1.2529% | 3,962 |
| Net loans and leases to total assets | 56.2090% | 4,416 |
| Net loans and leases to deposits | 70.4260% | 3,838 |
| Net loans and leases to core deposits | 71.9439% | 4,259 |
| Total domestic deposits to total assets | 79.8128% | 5,706 |
| Equity capital to assets | 13.3281% | 1,426 |
| Core capital (leverage) ratio | 13.3281% | 1,062 |
| Tier 1 risk-based capital ratio | 33.4176% | 400 |
| Total risk-based capital ratio | 34.7135% | 393 |
| Memoranda: | ||
| Average total assets | $31,714,000 | 6,800 |
| Average earning assets | $29,637,000 | 6,760 |
| Average equity | $4,143,500 | 6,612 |
| Average total loans | $17,978,750 | 6,599 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4411% | 4,024 |
| Cost of funding earning assets | 1.3196% | 478 |
| Net interest margin | 3.1215% | 5,942 |
| Noninterest income to average assets | 0.2872% | 5,512 |
| Noninterest expense to average assets | 3.2718% | 2,384 |
| Loan and lease loss provision to assets | 0.2310% | 2,767 |
| Net operating income to assets | -0.3060% | 6,621 |
| Return on assets (ROA) | -0.3060% | 6,679 |
| Pretax return on assets | -0.3060% | 6,644 |
| Return on Equity (ROE) | -2.3569% | 6,637 |
| Retained earnings to average equity (ytd only) | -2.3569% | 6,396 |
| Net charge-offs to loans | 0.3527% | 2,605 |
| Credit loss provision to net charge-offs | 115.6250% | 2,375 |
| Earnings coverage of net charge-offs (x) | -0.3750% | 5,205 |
| Efficiency ratio | 102.3438% | 483 |
| Assets per employee ($millions) | 5.2215% | 1,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0603% | 5,923 |
| Loan loss allowance to noncurrent loans | 45.7143% | 5,345 |
| Noncurrent assets plus other real estate owned to assets | 3.5271% | 1,510 |
| Noncurrent loans to loans | 2.3194% | 2,578 |
| Net loans and leases to total assets | 57.1866% | 4,300 |
| Net loans and leases to deposits | 71.5810% | 3,677 |
| Net loans and leases to core deposits | 72.3470% | 4,258 |
| Total domestic deposits to total assets | 79.8908% | 5,766 |
| Equity capital to assets | 13.2114% | 1,426 |
| Core capital (leverage) ratio | 13.2114% | 1,090 |
| Tier 1 risk-based capital ratio | 27.0664% | 723 |
| Total risk-based capital ratio | 28.3220% | 708 |
| Memoranda: | ||
| Average total assets | $32,031,330 | 6,842 |
| Average earning assets | $29,857,330 | 6,798 |
| Average equity | $4,158,000 | 6,639 |
| Average total loans | $18,145,000 | 6,640 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4634% | 4,056 |
| Cost of funding earning assets | 1.4389% | 367 |
| Net interest margin | 3.0244% | 6,238 |
| Noninterest income to average assets | 0.2718% | 5,699 |
| Noninterest expense to average assets | 3.5081% | 1,751 |
| Loan and lease loss provision to assets | 0.0741% | 4,473 |
| Net operating income to assets | -0.5064% | 6,829 |
| Return on assets (ROA) | -0.5064% | 6,857 |
| Pretax return on assets | -0.5064% | 6,831 |
| Return on Equity (ROE) | -3.9352% | 6,805 |
| Retained earnings to average equity (ytd only) | -3.9352% | 6,488 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.0562% | 286 |
| Assets per employee ($millions) | 4.5924% | 2,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0594% | 6,048 |
| Loan loss allowance to noncurrent loans | 36.6920% | 5,816 |
| Noncurrent assets plus other real estate owned to assets | 4.1155% | 1,334 |
| Noncurrent loans to loans | 2.8874% | 2,234 |
| Net loans and leases to total assets | 56.0674% | 4,367 |
| Net loans and leases to deposits | 71.5266% | 3,502 |
| Net loans and leases to core deposits | 73.0219% | 4,020 |
| Total domestic deposits to total assets | 78.3868% | 6,211 |
| Equity capital to assets | 12.9001% | 1,486 |
| Core capital (leverage) ratio | 12.9001% | 1,160 |
| Tier 1 risk-based capital ratio | 26.0114% | 803 |
| Total risk-based capital ratio | 27.0589% | 803 |
| Memoranda: | ||
| Average total assets | $32,382,500 | 6,881 |
| Average earning assets | $30,022,000 | 6,847 |
| Average equity | $4,167,500 | 6,675 |
| Average total loans | $18,163,500 | 6,700 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0177% | 2,800 |
| Cost of funding earning assets | 1.8353% | 188 |
| Net interest margin | 3.1824% | 6,150 |
| Noninterest income to average assets | 0.3398% | 5,099 |
| Noninterest expense to average assets | 4.0094% | 1,026 |
| Loan and lease loss provision to assets | 0.0685% | 5,755 |
| Net operating income to assets | -0.9138% | 6,704 |
| Return on assets (ROA) | -0.9138% | 6,731 |
| Pretax return on assets | -0.8710% | 6,673 |
| Return on Equity (ROE) | -7.2674% | 6,646 |
| Retained earnings to average equity (ytd only) | -7.2674% | 6,587 |
| Net charge-offs to loans | 0.4638% | 3,134 |
| Credit loss provision to net charge-offs | 26.6667% | 5,834 |
| Earnings coverage of net charge-offs (x) | -3.1222% | 6,328 |
| Efficiency ratio | 125.0223% | 266 |
| Assets per employee ($millions) | 4.6597% | 2,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0326% | 6,059 |
| Loan loss allowance to noncurrent loans | 95.8974% | 3,146 |
| Noncurrent assets plus other real estate owned to assets | 3.3264% | 1,785 |
| Noncurrent loans to loans | 1.0768% | 4,555 |
| Net loans and leases to total assets | 54.9482% | 4,889 |
| Net loans and leases to deposits | 70.0117% | 4,099 |
| Net loans and leases to core deposits | 73.3978% | 4,322 |
| Total domestic deposits to total assets | 78.4843% | 6,098 |
| Equity capital to assets | 12.8395% | 1,579 |
| Core capital (leverage) ratio | 12.8395% | 1,204 |
| Tier 1 risk-based capital ratio | 24.0441% | 965 |
| Total risk-based capital ratio | 25.1177% | 963 |
| Memoranda: | ||
| Average total assets | $35,017,800 | 6,829 |
| Average earning assets | $31,548,200 | 6,822 |
| Average equity | $4,403,200 | 6,629 |
| Average total loans | $19,407,000 | 6,687 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1023% | 2,599 |
| Cost of funding earning assets | 1.8633% | 203 |
| Net interest margin | 3.2389% | 6,049 |
| Noninterest income to average assets | 0.0337% | 7,005 |
| Noninterest expense to average assets | 3.7509% | 1,398 |
| Loan and lease loss provision to assets | 0.0674% | 5,611 |
| Net operating income to assets | -0.9321% | 6,853 |
| Return on assets (ROA) | -0.9321% | 6,893 |
| Pretax return on assets | -0.8759% | 6,821 |
| Return on Equity (ROE) | -7.4487% | 6,790 |
| Retained earnings to average equity (ytd only) | -7.4487% | 6,732 |
| Net charge-offs to loans | 0.1014% | 4,979 |
| Credit loss provision to net charge-offs | 120.0000% | 2,704 |
| Earnings coverage of net charge-offs (x) | -14.3995% | 6,143 |
| Efficiency ratio | 127.4809% | 246 |
| Assets per employee ($millions) | 5.0673% | 2,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9444% | 6,466 |
| Loan loss allowance to noncurrent loans | 33.3333% | 6,065 |
| Noncurrent assets plus other real estate owned to assets | 3.3295% | 1,907 |
| Noncurrent loans to loans | 2.8331% | 2,459 |
| Net loans and leases to total assets | 53.5226% | 5,237 |
| Net loans and leases to deposits | 72.3541% | 3,930 |
| Net loans and leases to core deposits | 74.2414% | 4,421 |
| Total domestic deposits to total assets | 73.9731% | 6,765 |
| Equity capital to assets | 12.0070% | 2,246 |
| Core capital (leverage) ratio | 12.0070% | 1,703 |
| Tier 1 risk-based capital ratio | 23.0565% | 1,142 |
| Total risk-based capital ratio | 24.0364% | 1,153 |
| Memoranda: | ||
| Average total assets | $35,617,750 | 6,868 |
| Average earning assets | $31,985,000 | 6,871 |
| Average equity | $4,457,000 | 6,661 |
| Average total loans | $19,731,250 | 6,740 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2085% | 2,227 |
| Cost of funding earning assets | 1.8579% | 252 |
| Net interest margin | 3.3505% | 5,708 |
| Noninterest income to average assets | 0.1682% | 6,457 |
| Noninterest expense to average assets | 2.9888% | 3,689 |
| Loan and lease loss provision to assets | 0.0673% | 5,467 |
| Net operating income to assets | 0.1458% | 5,896 |
| Return on assets (ROA) | 0.1458% | 5,990 |
| Pretax return on assets | 0.1458% | 6,027 |
| Return on Equity (ROE) | 1.1497% | 6,048 |
| Retained earnings to average equity (ytd only) | 1.1497% | 5,403 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3450% | 1,020 |
| Assets per employee ($millions) | 5.1790% | 1,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9626% | 6,472 |
| Loan loss allowance to noncurrent loans | 40.7725% | 5,599 |
| Noncurrent assets plus other real estate owned to assets | 3.7045% | 1,756 |
| Noncurrent loans to loans | 2.3608% | 3,030 |
| Net loans and leases to total assets | 53.9238% | 5,305 |
| Net loans and leases to deposits | 76.0750% | 3,455 |
| Net loans and leases to core deposits | 78.1023% | 4,044 |
| Total domestic deposits to total assets | 70.8824% | 7,065 |
| Equity capital to assets | 12.5066% | 1,776 |
| Core capital (leverage) ratio | 12.5066% | 1,353 |
| Tier 1 risk-based capital ratio | 24.8071% | 920 |
| Total risk-based capital ratio | 25.8467% | 926 |
| Memoranda: | ||
| Average total assets | $35,666,670 | 6,929 |
| Average earning assets | $32,293,670 | 6,927 |
| Average equity | $4,523,000 | 6,674 |
| Average total loans | $19,919,670 | 6,793 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3817% | 1,638 |
| Cost of funding earning assets | 1.8980% | 253 |
| Net interest margin | 3.4837% | 5,083 |
| Noninterest income to average assets | 0.1809% | 6,427 |
| Noninterest expense to average assets | 3.0531% | 3,446 |
| Loan and lease loss provision to assets | 0.0678% | 5,144 |
| Net operating income to assets | 0.2149% | 5,735 |
| Return on assets (ROA) | 0.2149% | 5,798 |
| Pretax return on assets | 0.2149% | 5,903 |
| Return on Equity (ROE) | 1.6823% | 5,917 |
| Retained earnings to average equity (ytd only) | 1.6823% | 5,112 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5254% | 1,198 |
| Assets per employee ($millions) | 5.0686% | 2,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9186% | 6,650 |
| Loan loss allowance to noncurrent loans | 55.5891% | 4,671 |
| Noncurrent assets plus other real estate owned to assets | 3.4047% | 2,003 |
| Noncurrent loans to loans | 1.6524% | 4,000 |
| Net loans and leases to total assets | 55.9386% | 5,000 |
| Net loans and leases to deposits | 80.0960% | 2,708 |
| Net loans and leases to core deposits | 82.3117% | 3,414 |
| Total domestic deposits to total assets | 69.8393% | 7,186 |
| Equity capital to assets | 12.7593% | 1,494 |
| Core capital (leverage) ratio | 12.7593% | 1,215 |
| Tier 1 risk-based capital ratio | 24.6381% | 917 |
| Total risk-based capital ratio | 25.6395% | 917 |
| Memoranda: | ||
| Average total assets | $35,373,500 | 6,991 |
| Average earning assets | $32,034,500 | 6,987 |
| Average equity | $4,517,500 | 6,708 |
| Average total loans | $20,010,000 | 6,841 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4527% | 2,468 |
| Cost of funding earning assets | 2.2992% | 213 |
| Net interest margin | 3.1535% | 6,379 |
| Noninterest income to average assets | 0.1589% | 6,586 |
| Noninterest expense to average assets | 2.7566% | 4,756 |
| Loan and lease loss provision to assets | 0.0658% | 6,486 |
| Net operating income to assets | 0.1617% | 5,400 |
| Return on assets (ROA) | 0.1617% | 5,559 |
| Pretax return on assets | 0.2192% | 5,443 |
| Return on Equity (ROE) | 1.3141% | 5,619 |
| Retained earnings to average equity (ytd only) | 1.3141% | 4,892 |
| Net charge-offs to loans | 0.0648% | 6,146 |
| Credit loss provision to net charge-offs | 171.4286% | 1,969 |
| Earnings coverage of net charge-offs (x) | 7.4286% | 2,131 |
| Efficiency ratio | 90.6306% | 1,274 |
| Assets per employee ($millions) | 5.0381% | 2,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8905% | 6,749 |
| Loan loss allowance to noncurrent loans | 115.5844% | 2,523 |
| Noncurrent assets plus other real estate owned to assets | 2.9830% | 2,359 |
| Noncurrent loans to loans | 0.7704% | 5,507 |
| Net loans and leases to total assets | 56.1743% | 5,318 |
| Net loans and leases to deposits | 77.6537% | 3,568 |
| Net loans and leases to core deposits | 82.8773% | 3,766 |
| Total domestic deposits to total assets | 72.3396% | 7,053 |
| Equity capital to assets | 12.7825% | 1,491 |
| Core capital (leverage) ratio | 12.7825% | 1,206 |
| Tier 1 risk-based capital ratio | 24.5293% | 887 |
| Total risk-based capital ratio | 25.4979% | 892 |
| Memoranda: | ||
| Average total assets | $36,493,600 | 6,992 |
| Average earning assets | $33,359,400 | 6,969 |
| Average equity | $4,489,600 | 6,820 |
| Average total loans | $21,593,000 | 6,848 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4890% | 2,473 |
| Cost of funding earning assets | 2.3604% | 220 |
| Net interest margin | 3.1287% | 6,542 |
| Noninterest income to average assets | 0.1413% | 6,847 |
| Noninterest expense to average assets | 2.7137% | 4,823 |
| Loan and lease loss provision to assets | 0.0652% | 6,411 |
| Net operating income to assets | 0.2246% | 5,434 |
| Return on assets (ROA) | 0.2246% | 5,592 |
| Pretax return on assets | 0.2246% | 5,673 |
| Return on Equity (ROE) | 1.8430% | 5,664 |
| Retained earnings to average equity (ytd only) | 1.8430% | 5,038 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3498% | 1,258 |
| Assets per employee ($millions) | 5.1924% | 1,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8895% | 6,777 |
| Loan loss allowance to noncurrent loans | 54.5455% | 4,657 |
| Noncurrent assets plus other real estate owned to assets | 2.9521% | 2,455 |
| Noncurrent loans to loans | 1.6308% | 4,202 |
| Net loans and leases to total assets | 57.0171% | 5,412 |
| Net loans and leases to deposits | 82.8330% | 2,944 |
| Net loans and leases to core deposits | 88.5225% | 3,307 |
| Total domestic deposits to total assets | 68.8337% | 7,337 |
| Equity capital to assets | 12.4109% | 1,902 |
| Core capital (leverage) ratio | 12.4109% | 1,456 |
| Tier 1 risk-based capital ratio | 24.0677% | 935 |
| Total risk-based capital ratio | 25.0600% | 945 |
| Memoranda: | ||
| Average total assets | $36,800,250 | 7,067 |
| Average earning assets | $33,666,500 | 7,039 |
| Average equity | $4,485,000 | 6,910 |
| Average total loans | $21,994,000 | 6,913 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4990% | 2,519 |
| Cost of funding earning assets | 2.3886% | 245 |
| Net interest margin | 3.1105% | 6,582 |
| Noninterest income to average assets | 0.1461% | 6,854 |
| Noninterest expense to average assets | 2.6251% | 5,226 |
| Loan and lease loss provision to assets | 0.0650% | 6,301 |
| Net operating income to assets | 0.3248% | 5,092 |
| Return on assets (ROA) | 0.3248% | 5,254 |
| Pretax return on assets | 0.3248% | 5,436 |
| Return on Equity (ROE) | 2.6808% | 5,382 |
| Retained earnings to average equity (ytd only) | 2.6808% | 4,437 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0736% | 1,596 |
| Assets per employee ($millions) | 5.3390% | 1,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8213% | 6,986 |
| Loan loss allowance to noncurrent loans | 114.6497% | 2,435 |
| Noncurrent assets plus other real estate owned to assets | 1.9346% | 3,570 |
| Noncurrent loans to loans | 0.7163% | 5,821 |
| Net loans and leases to total assets | 58.1623% | 5,391 |
| Net loans and leases to deposits | 86.9898% | 2,338 |
| Net loans and leases to core deposits | 92.9726% | 2,852 |
| Total domestic deposits to total assets | 66.8611% | 7,490 |
| Equity capital to assets | 12.0649% | 2,059 |
| Core capital (leverage) ratio | 12.0649% | 1,611 |
| Tier 1 risk-based capital ratio | 23.6780% | 979 |
| Total risk-based capital ratio | 24.6232% | 991 |
| Memoranda: | ||
| Average total assets | $36,951,330 | 7,114 |
| Average earning assets | $34,078,670 | 7,081 |
| Average equity | $4,476,330 | 6,948 |
| Average total loans | $22,355,330 | 6,944 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5980% | 2,159 |
| Cost of funding earning assets | 2.4211% | 279 |
| Net interest margin | 3.1769% | 6,360 |
| Noninterest income to average assets | 0.1198% | 7,092 |
| Noninterest expense to average assets | 2.7436% | 4,712 |
| Loan and lease loss provision to assets | 0.0653% | 5,984 |
| Net operating income to assets | 0.2395% | 5,550 |
| Return on assets (ROA) | 0.2395% | 5,661 |
| Pretax return on assets | 0.2395% | 5,768 |
| Return on Equity (ROE) | 1.9731% | 5,775 |
| Retained earnings to average equity (ytd only) | 1.9731% | 4,951 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0000% | 1,438 |
| Assets per employee ($millions) | 5.2674% | 1,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7849% | 7,160 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.6679% | 3,970 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 59.6523% | 5,181 |
| Net loans and leases to deposits | 90.1915% | 1,876 |
| Net loans and leases to core deposits | 96.5582% | 2,514 |
| Total domestic deposits to total assets | 66.1396% | 7,611 |
| Equity capital to assets | 12.1257% | 1,965 |
| Core capital (leverage) ratio | 12.1257% | 1,585 |
| Tier 1 risk-based capital ratio | 23.5887% | 1,003 |
| Total risk-based capital ratio | 24.5067% | 1,023 |
| Memoranda: | ||
| Average total assets | $36,740,500 | 7,207 |
| Average earning assets | $33,869,000 | 7,166 |
| Average equity | $4,460,000 | 7,018 |
| Average total loans | $22,574,500 | 7,017 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7021% | 3,100 |
| Cost of funding earning assets | 2.8664% | 348 |
| Net interest margin | 2.8356% | 6,997 |
| Noninterest income to average assets | 0.1174% | 7,172 |
| Noninterest expense to average assets | 2.7166% | 5,312 |
| Loan and lease loss provision to assets | 0.8768% | 2,555 |
| Net operating income to assets | -0.4097% | 6,087 |
| Return on assets (ROA) | -0.4097% | 6,084 |
| Pretax return on assets | -0.8325% | 6,294 |
| Return on Equity (ROE) | -3.4356% | 6,046 |
| Retained earnings to average equity (ytd only) | -3.4356% | 5,777 |
| Net charge-offs to loans | 1.2021% | 2,050 |
| Credit loss provision to net charge-offs | 113.8983% | 4,810 |
| Earnings coverage of net charge-offs (x) | 0.0576% | 6,118 |
| Efficiency ratio | 98.3932% | 1,189 |
| Assets per employee ($millions) | 5.2299% | 1,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7311% | 7,305 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.6799% | 3,847 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 62.3125% | 4,924 |
| Net loans and leases to deposits | 96.7389% | 1,235 |
| Net loans and leases to core deposits | 122.9492% | 1,717 |
| Total domestic deposits to total assets | 64.4131% | 7,697 |
| Equity capital to assets | 12.1527% | 1,934 |
| Core capital (leverage) ratio | 12.1527% | 1,601 |
| Tier 1 risk-based capital ratio | 23.1466% | 1,030 |
| Total risk-based capital ratio | 24.0206% | 1,042 |
| Memoranda: | ||
| Average total assets | $38,320,000 | 7,163 |
| Average earning assets | $35,723,800 | 7,112 |
| Average equity | $4,569,800 | 7,091 |
| Average total loans | $24,539,800 | 6,945 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6815% | 3,425 |
| Cost of funding earning assets | 2.9548% | 378 |
| Net interest margin | 2.7267% | 7,172 |
| Noninterest income to average assets | 0.1308% | 7,224 |
| Noninterest expense to average assets | 2.7425% | 5,137 |
| Loan and lease loss provision to assets | 1.1355% | 1,719 |
| Net operating income to assets | -0.9669% | 6,804 |
| Return on assets (ROA) | -0.9669% | 6,813 |
| Pretax return on assets | -1.1975% | 6,811 |
| Return on Equity (ROE) | -8.1448% | 6,747 |
| Retained earnings to average equity (ytd only) | -8.1448% | 6,621 |
| Net charge-offs to loans | 1.5777% | 1,300 |
| Credit loss provision to net charge-offs | 111.8644% | 4,539 |
| Earnings coverage of net charge-offs (x) | -0.0610% | 6,139 |
| Efficiency ratio | 102.3107% | 968 |
| Assets per employee ($millions) | 5.4177% | 1,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6748% | 7,430 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.9038% | 3,498 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 62.8731% | 5,091 |
| Net loans and leases to deposits | 94.2972% | 1,836 |
| Net loans and leases to core deposits | 117.5566% | 2,463 |
| Total domestic deposits to total assets | 66.6755% | 7,652 |
| Equity capital to assets | 11.5811% | 2,521 |
| Core capital (leverage) ratio | 11.5811% | 2,024 |
| Tier 1 risk-based capital ratio | 22.1897% | 1,202 |
| Total risk-based capital ratio | 23.0081% | 1,233 |
| Memoranda: | ||
| Average total assets | $38,747,750 | 7,209 |
| Average earning assets | $36,233,750 | 7,151 |
| Average equity | $4,600,000 | 7,146 |
| Average total loans | $24,929,750 | 6,983 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6889% | 3,606 |
| Cost of funding earning assets | 2.9973% | 481 |
| Net interest margin | 2.6916% | 7,221 |
| Noninterest income to average assets | 0.1333% | 7,292 |
| Noninterest expense to average assets | 2.7318% | 5,250 |
| Loan and lease loss provision to assets | 0.0256% | 6,981 |
| Net operating income to assets | -0.0974% | 6,002 |
| Return on assets (ROA) | -0.0974% | 6,053 |
| Pretax return on assets | -0.0974% | 5,989 |
| Return on Equity (ROE) | -0.8138% | 6,050 |
| Retained earnings to average equity (ytd only) | -0.8138% | 5,432 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.6975% | 1,068 |
| Assets per employee ($millions) | 4.9373% | 2,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5362% | 7,747 |
| Loan loss allowance to noncurrent loans | 36.2637% | 6,008 |
| Noncurrent assets plus other real estate owned to assets | 2.4001% | 2,702 |
| Noncurrent loans to loans | 1.4786% | 4,276 |
| Net loans and leases to total assets | 61.9930% | 5,359 |
| Net loans and leases to deposits | 96.4433% | 1,723 |
| Net loans and leases to core deposits | 118.6797% | 2,487 |
| Total domestic deposits to total assets | 64.2792% | 7,817 |
| Equity capital to assets | 11.7829% | 2,335 |
| Core capital (leverage) ratio | 11.7829% | 1,931 |
| Tier 1 risk-based capital ratio | 22.8294% | 1,158 |
| Total risk-based capital ratio | 23.4769% | 1,191 |
| Memoranda: | ||
| Average total assets | $39,022,330 | 7,257 |
| Average earning assets | $36,632,670 | 7,188 |
| Average equity | $4,669,330 | 7,187 |
| Average total loans | $25,237,670 | 7,014 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7730% | 3,420 |
| Cost of funding earning assets | 3.0563% | 513 |
| Net interest margin | 2.7167% | 7,167 |
| Noninterest income to average assets | 0.1341% | 7,334 |
| Noninterest expense to average assets | 2.5577% | 5,616 |
| Loan and lease loss provision to assets | 0.0516% | 6,312 |
| Net operating income to assets | 0.0825% | 6,031 |
| Return on assets (ROA) | 0.0825% | 6,197 |
| Pretax return on assets | 0.0825% | 6,205 |
| Return on Equity (ROE) | 0.6842% | 6,227 |
| Retained earnings to average equity (ytd only) | 0.6842% | 5,385 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0192% | 1,381 |
| Assets per employee ($millions) | 4.8609% | 2,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5244% | 7,786 |
| Loan loss allowance to noncurrent loans | 21.3247% | 7,094 |
| Noncurrent assets plus other real estate owned to assets | 1.7461% | 3,300 |
| Noncurrent loans to loans | 2.4592% | 2,685 |
| Net loans and leases to total assets | 64.3891% | 4,919 |
| Net loans and leases to deposits | 102.2584% | 1,150 |
| Net loans and leases to core deposits | 123.3327% | 2,130 |
| Total domestic deposits to total assets | 62.9671% | 7,884 |
| Equity capital to assets | 12.0374% | 2,235 |
| Core capital (leverage) ratio | 12.0374% | 1,885 |
| Tier 1 risk-based capital ratio | 23.5439% | 1,132 |
| Total risk-based capital ratio | 24.2078% | 1,168 |
| Memoranda: | ||
| Average total assets | $38,784,500 | 7,310 |
| Average earning assets | $36,514,500 | 7,244 |
| Average equity | $4,677,000 | 7,229 |
| Average total loans | $25,547,500 | 7,023 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9309% | 5,895 |
| Cost of funding earning assets | 3.3549% | 795 |
| Net interest margin | 2.5760% | 7,666 |
| Noninterest income to average assets | 0.1615% | 7,267 |
| Noninterest expense to average assets | 2.6002% | 5,652 |
| Loan and lease loss provision to assets | 0.0104% | 7,240 |
| Net operating income to assets | 0.1850% | 5,890 |
| Return on assets (ROA) | 0.2996% | 5,357 |
| Pretax return on assets | 0.1042% | 5,929 |
| Return on Equity (ROE) | 2.4895% | 5,423 |
| Retained earnings to average equity (ytd only) | 2.4895% | 3,646 |
| Net charge-offs to loans | 0.0605% | 5,911 |
| Credit loss provision to net charge-offs | 25.0000% | 6,558 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 6,245 |
| Efficiency ratio | 100.0000% | 983 |
| Assets per employee ($millions) | 4.8353% | 2,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4899% | 7,866 |
| Loan loss allowance to noncurrent loans | 20.5170% | 7,212 |
| Noncurrent assets plus other real estate owned to assets | 1.7553% | 2,785 |
| Noncurrent loans to loans | 2.3877% | 2,303 |
| Net loans and leases to total assets | 66.6899% | 4,711 |
| Net loans and leases to deposits | 106.8863% | 1,054 |
| Net loans and leases to core deposits | 131.0224% | 1,777 |
| Total domestic deposits to total assets | 62.3934% | 7,866 |
| Equity capital to assets | 12.0806% | 2,243 |
| Core capital (leverage) ratio | 12.0806% | 1,924 |
| Tier 1 risk-based capital ratio | 22.9609% | 1,203 |
| Total risk-based capital ratio | 23.5849% | 1,246 |
| Memoranda: | ||
| Average total assets | $38,382,400 | 7,288 |
| Average earning assets | $36,335,000 | 7,227 |
| Average equity | $4,619,400 | 7,296 |
| Average total loans | $26,428,800 | 6,937 |