Home > North Side Federal Savings and Loan Association of Chicago > Performance and Condition Ratios
North Side Federal Savings and Loan Association of Chicago, 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 | 4.0958% | 3,814 |
| Cost of funding earning assets | 0.3723% | 4,313 |
| Net interest margin | 3.7235% | 1,712 |
| Noninterest income to average assets | 0.2500% | 3,442 |
| Noninterest expense to average assets | 3.5937% | 514 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.1239% | 4,232 |
| Return on assets (ROA) | 0.1239% | 4,256 |
| Pretax return on assets | 0.1644% | 4,225 |
| Return on Equity (ROE) | 1.6800% | 4,185 |
| Retained earnings to average equity (ytd only) | 1.6827% | 3,658 |
| 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 | 95.6246% | 265 |
| Assets per employee ($millions) | 5.0678% | 3,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0630% | 3,009 |
| Loan loss allowance to noncurrent loans | 40.7092% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 1.7389% | 191 |
| Noncurrent loans to loans | 2.6113% | 180 |
| Net loans and leases to total assets | 65.8800% | 2,269 |
| Net loans and leases to deposits | 73.3960% | 2,659 |
| Net loans and leases to core deposits | 74.9152% | 3,033 |
| Total domestic deposits to total assets | 89.7700% | 816 |
| Equity capital to assets | 7.9325% | 3,461 |
| Core capital (leverage) ratio | 9.8971% | 2,881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2466% | 524 |
| Memoranda: | ||
| Average total assets | $41,962,600 | 4,378 |
| Average earning assets | $39,479,000 | 4,349 |
| Average equity | $3,090,200 | 4,420 |
| Average total loans | $26,126,400 | 4,201 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0707% | 3,707 |
| Cost of funding earning assets | 0.3281% | 4,335 |
| Net interest margin | 3.7427% | 1,700 |
| Noninterest income to average assets | 0.2600% | 3,384 |
| Noninterest expense to average assets | 3.5351% | 531 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.1985% | 4,229 |
| Return on assets (ROA) | 0.1985% | 4,246 |
| Pretax return on assets | 0.2521% | 4,203 |
| Return on Equity (ROE) | 2.7500% | 4,128 |
| Retained earnings to average equity (ytd only) | 2.7462% | 3,571 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 93.3444% | 283 |
| Assets per employee ($millions) | 5.1060% | 3,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0919% | 2,905 |
| Loan loss allowance to noncurrent loans | 40.3090% | 3,704 |
| Noncurrent assets plus other real estate owned to assets | 1.7430% | 183 |
| Noncurrent loans to loans | 2.7088% | 173 |
| Net loans and leases to total assets | 63.6500% | 2,487 |
| Net loans and leases to deposits | 69.2707% | 2,886 |
| Net loans and leases to core deposits | 70.6467% | 3,180 |
| Total domestic deposits to total assets | 91.8800% | 478 |
| Equity capital to assets | 7.2904% | 3,470 |
| Core capital (leverage) ratio | 9.7260% | 3,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4507% | 519 |
| Memoranda: | ||
| Average total assets | $42,317,750 | 4,392 |
| Average earning assets | $39,828,000 | 4,366 |
| Average equity | $3,058,750 | 4,439 |
| Average total loans | $25,908,500 | 4,219 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0265% | 3,629 |
| Cost of funding earning assets | 0.2777% | 4,346 |
| Net interest margin | 3.7489% | 1,717 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 3.5601% | 496 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.2102% | 4,266 |
| Return on assets (ROA) | 0.2102% | 4,289 |
| Pretax return on assets | 0.2663% | 4,260 |
| Return on Equity (ROE) | 2.9200% | 4,166 |
| Retained earnings to average equity (ytd only) | 2.9167% | 3,498 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 93.0403% | 284 |
| Assets per employee ($millions) | 4.5781% | 3,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1205% | 2,843 |
| Loan loss allowance to noncurrent loans | 39.9166% | 3,702 |
| Noncurrent assets plus other real estate owned to assets | 1.7450% | 175 |
| Noncurrent loans to loans | 2.8071% | 157 |
| Net loans and leases to total assets | 61.4700% | 2,628 |
| Net loans and leases to deposits | 66.8682% | 3,004 |
| Net loans and leases to core deposits | 68.1713% | 3,224 |
| Total domestic deposits to total assets | 91.9300% | 427 |
| Equity capital to assets | 7.3660% | 3,597 |
| Core capital (leverage) ratio | 9.5703% | 3,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4755% | 523 |
| Memoranda: | ||
| Average total assets | $42,807,667 | 4,411 |
| Average earning assets | $40,332,333 | 4,387 |
| Average equity | $3,085,667 | 4,464 |
| Average total loans | $25,783,000 | 4,234 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0127% | 3,430 |
| Cost of funding earning assets | 0.1846% | 4,405 |
| Net interest margin | 3.8281% | 1,625 |
| Noninterest income to average assets | 0.1700% | 3,961 |
| Noninterest expense to average assets | 3.5955% | 488 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.1468% | 4,404 |
| Return on assets (ROA) | 0.1468% | 4,379 |
| Pretax return on assets | 0.1926% | 4,343 |
| Return on Equity (ROE) | 2.0600% | 4,300 |
| Retained earnings to average equity (ytd only) | 2.0572% | 3,694 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 94.9153% | 237 |
| Assets per employee ($millions) | 5.3088% | 3,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1191% | 2,962 |
| Loan loss allowance to noncurrent loans | 39.4231% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 1.7142% | 168 |
| Noncurrent loans to loans | 2.8388% | 161 |
| Net loans and leases to total assets | 59.7100% | 2,691 |
| Net loans and leases to deposits | 64.8012% | 3,026 |
| Net loans and leases to core deposits | 66.0107% | 3,224 |
| Total domestic deposits to total assets | 92.1400% | 485 |
| Equity capital to assets | 7.2922% | 3,677 |
| Core capital (leverage) ratio | 9.0747% | 3,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3369% | 485 |
| Memoranda: | ||
| Average total assets | $43,610,000 | 4,472 |
| Average earning assets | $41,169,500 | 4,446 |
| Average equity | $3,111,000 | 4,528 |
| Average total loans | $25,867,500 | 4,292 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1198% | 3,959 |
| Cost of funding earning assets | 0.0956% | 4,412 |
| Net interest margin | 3.0243% | 3,383 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 3.3203% | 609 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | -0.2648% | 4,614 |
| Return on assets (ROA) | -0.2648% | 4,601 |
| Pretax return on assets | -0.2692% | 4,599 |
| Return on Equity (ROE) | -3.5100% | 4,610 |
| Retained earnings to average equity (ytd only) | -3.5093% | 4,537 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 108.8215% | 92 |
| Assets per employee ($millions) | 5.5938% | 3,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1000% | 2,891 |
| Loan loss allowance to noncurrent loans | 39.1542% | 3,780 |
| Noncurrent assets plus other real estate owned to assets | 1.6380% | 177 |
| Noncurrent loans to loans | 2.8095% | 154 |
| Net loans and leases to total assets | 57.6600% | 2,848 |
| Net loans and leases to deposits | 62.2224% | 3,180 |
| Net loans and leases to core deposits | 62.2224% | 3,380 |
| Total domestic deposits to total assets | 92.6700% | 473 |
| Equity capital to assets | 6.9832% | 3,678 |
| Core capital (leverage) ratio | 8.7662% | 3,907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0920% | 540 |
| Memoranda: | ||
| Average total assets | $46,441,400 | 4,470 |
| Average earning assets | $43,944,600 | 4,437 |
| Average equity | $3,505,000 | 4,567 |
| Average total loans | $25,008,200 | 4,328 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9187% | 4,037 |
| Cost of funding earning assets | 0.0992% | 4,290 |
| Net interest margin | 2.8195% | 3,692 |
| Noninterest income to average assets | 0.1900% | 4,048 |
| Noninterest expense to average assets | 3.3088% | 590 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | -0.3300% | 4,664 |
| Return on assets (ROA) | -0.3300% | 4,646 |
| Pretax return on assets | -0.4524% | 4,653 |
| Return on Equity (ROE) | -4.3000% | 4,657 |
| Retained earnings to average equity (ytd only) | -4.2962% | 4,585 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 115.8367% | 79 |
| Assets per employee ($millions) | 5.6356% | 3,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1161% | 2,940 |
| Loan loss allowance to noncurrent loans | 58.0972% | 3,711 |
| Noncurrent assets plus other real estate owned to assets | 1.0957% | 400 |
| Noncurrent loans to loans | 1.9211% | 317 |
| Net loans and leases to total assets | 56.4000% | 2,864 |
| Net loans and leases to deposits | 60.9453% | 3,116 |
| Net loans and leases to core deposits | 60.9453% | 3,308 |
| Total domestic deposits to total assets | 92.5400% | 705 |
| Equity capital to assets | 7.1642% | 3,427 |
| Core capital (leverage) ratio | 8.5284% | 4,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5726% | 594 |
| Memoranda: | ||
| Average total assets | $46,864,250 | 4,502 |
| Average earning assets | $44,356,000 | 4,468 |
| Average equity | $3,600,000 | 4,608 |
| Average total loans | $24,737,750 | 4,366 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7521% | 4,062 |
| Cost of funding earning assets | 0.1156% | 4,013 |
| Net interest margin | 2.6365% | 3,836 |
| Noninterest income to average assets | 0.1896% | 4,054 |
| Noninterest expense to average assets | 3.1649% | 665 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.3456% | 4,663 |
| Return on assets (ROA) | -0.3456% | 4,642 |
| Pretax return on assets | -0.4762% | 4,649 |
| Return on Equity (ROE) | -4.4047% | 4,663 |
| Retained earnings to average equity (ytd only) | -4.4047% | 4,515 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.7116% | 85 |
| Assets per employee ($millions) | 5.0218% | 3,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1590% | 2,891 |
| Loan loss allowance to noncurrent loans | 56.6075% | 3,751 |
| Noncurrent assets plus other real estate owned to assets | 1.1218% | 395 |
| Noncurrent loans to loans | 2.0474% | 315 |
| Net loans and leases to total assets | 54.1552% | 2,947 |
| Net loans and leases to deposits | 58.6954% | 3,162 |
| Net loans and leases to core deposits | 58.6954% | 3,374 |
| Total domestic deposits to total assets | 92.2648% | 739 |
| Equity capital to assets | 7.5051% | 3,475 |
| Core capital (leverage) ratio | 8.6230% | 3,829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9039% | 544 |
| Memoranda: | ||
| Average total assets | $47,457,333 | 4,545 |
| Average earning assets | $44,984,333 | 4,521 |
| Average equity | $3,723,333 | 4,636 |
| Average total loans | $24,412,333 | 4,422 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6310% | 4,067 |
| Cost of funding earning assets | 0.1212% | 3,885 |
| Net interest margin | 2.5098% | 3,887 |
| Noninterest income to average assets | 0.1811% | 4,080 |
| Noninterest expense to average assets | 3.0625% | 735 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.3622% | 4,679 |
| Return on assets (ROA) | -0.3622% | 4,663 |
| Pretax return on assets | -0.4939% | 4,680 |
| Return on Equity (ROE) | -4.5256% | 4,697 |
| Retained earnings to average equity (ytd only) | -4.5256% | 4,404 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.2308% | 90 |
| Assets per employee ($millions) | 5.2342% | 3,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1701% | 3,005 |
| Loan loss allowance to noncurrent loans | 55.4054% | 3,799 |
| Noncurrent assets plus other real estate owned to assets | 1.0996% | 431 |
| Noncurrent loans to loans | 2.1119% | 332 |
| Net loans and leases to total assets | 51.4584% | 3,031 |
| Net loans and leases to deposits | 56.9787% | 3,175 |
| Net loans and leases to core deposits | 57.3155% | 3,361 |
| Total domestic deposits to total assets | 90.3116% | 1,379 |
| Equity capital to assets | 7.8331% | 3,701 |
| Core capital (leverage) ratio | 8.0905% | 4,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9680% | 565 |
| Memoranda: | ||
| Average total assets | $48,588,000 | 4,553 |
| Average earning assets | $46,218,000 | 4,529 |
| Average equity | $3,889,000 | 4,659 |
| Average total loans | $24,237,000 | 4,446 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3101% | 3,176 |
| Cost of funding earning assets | 0.1811% | 3,647 |
| Net interest margin | 3.1289% | 2,807 |
| Noninterest income to average assets | 0.1766% | 4,270 |
| Noninterest expense to average assets | 2.4690% | 2,282 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.4962% | 4,095 |
| Return on assets (ROA) | 0.4962% | 4,139 |
| Pretax return on assets | 0.6907% | 3,945 |
| Return on Equity (ROE) | 6.9034% | 3,541 |
| Retained earnings to average equity (ytd only) | 6.9034% | 1,957 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1407% | 936 |
| Assets per employee ($millions) | 5.5786% | 3,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1985% | 2,893 |
| Loan loss allowance to noncurrent loans | 53.7453% | 3,863 |
| Noncurrent assets plus other real estate owned to assets | 1.0636% | 498 |
| Noncurrent loans to loans | 2.2300% | 328 |
| Net loans and leases to total assets | 47.1229% | 3,586 |
| Net loans and leases to deposits | 52.5931% | 3,698 |
| Net loans and leases to core deposits | 54.0431% | 3,750 |
| Total domestic deposits to total assets | 89.5991% | 1,176 |
| Equity capital to assets | 8.1463% | 4,276 |
| Core capital (leverage) ratio | 8.5258% | 3,895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0225% | 444 |
| Memoranda: | ||
| Average total assets | $50,384,200 | 4,556 |
| Average earning assets | $48,035,400 | 4,534 |
| Average equity | $3,621,400 | 4,731 |
| Average total loans | $27,523,200 | 4,422 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3871% | 3,135 |
| Cost of funding earning assets | 0.1968% | 3,632 |
| Net interest margin | 3.1903% | 2,759 |
| Noninterest income to average assets | 0.1798% | 4,299 |
| Noninterest expense to average assets | 3.4292% | 509 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | -0.1481% | 4,785 |
| Return on assets (ROA) | -0.1481% | 4,792 |
| Pretax return on assets | -0.2062% | 4,802 |
| Return on Equity (ROE) | -2.1307% | 4,806 |
| Retained earnings to average equity (ytd only) | -2.1307% | 4,706 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.3987% | 119 |
| Assets per employee ($millions) | 5.6764% | 3,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0773% | 3,545 |
| Loan loss allowance to noncurrent loans | 30.5644% | 4,120 |
| Noncurrent assets plus other real estate owned to assets | 1.8380% | 223 |
| Noncurrent loans to loans | 3.5248% | 161 |
| Net loans and leases to total assets | 51.5835% | 3,239 |
| Net loans and leases to deposits | 60.8432% | 3,155 |
| Net loans and leases to core deposits | 62.6557% | 3,252 |
| Total domestic deposits to total assets | 84.7812% | 3,186 |
| Equity capital to assets | 6.7433% | 4,852 |
| Core capital (leverage) ratio | 8.0729% | 4,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4915% | 751 |
| Memoranda: | ||
| Average total assets | $50,428,500 | 4,620 |
| Average earning assets | $48,102,500 | 4,589 |
| Average equity | $3,504,250 | 4,812 |
| Average total loans | $28,417,500 | 4,468 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5131% | 2,855 |
| Cost of funding earning assets | 0.2172% | 3,576 |
| Net interest margin | 3.2959% | 2,450 |
| Noninterest income to average assets | 0.1753% | 4,325 |
| Noninterest expense to average assets | 3.4735% | 480 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -0.1155% | 4,808 |
| Return on assets (ROA) | -0.1155% | 4,813 |
| Pretax return on assets | -0.1554% | 4,823 |
| Return on Equity (ROE) | -1.6459% | 4,836 |
| Retained earnings to average equity (ytd only) | -1.6459% | 4,652 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.6819% | 126 |
| Assets per employee ($millions) | 5.5268% | 3,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0304% | 3,716 |
| Loan loss allowance to noncurrent loans | 30.4025% | 4,156 |
| Noncurrent assets plus other real estate owned to assets | 1.8978% | 233 |
| Noncurrent loans to loans | 3.3893% | 189 |
| Net loans and leases to total assets | 55.4171% | 2,968 |
| Net loans and leases to deposits | 65.7703% | 2,840 |
| Net loans and leases to core deposits | 67.7939% | 2,978 |
| Total domestic deposits to total assets | 84.2585% | 3,353 |
| Equity capital to assets | 6.9842% | 4,848 |
| Core capital (leverage) ratio | 8.0721% | 4,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6908% | 734 |
| Memoranda: | ||
| Average total assets | $50,208,667 | 4,651 |
| Average earning assets | $47,878,333 | 4,624 |
| Average equity | $3,524,000 | 4,845 |
| Average total loans | $29,010,000 | 4,485 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5248% | 2,845 |
| Cost of funding earning assets | 0.2328% | 3,622 |
| Net interest margin | 3.2920% | 2,414 |
| Noninterest income to average assets | 0.1507% | 4,447 |
| Noninterest expense to average assets | 3.6001% | 410 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.2379% | 4,849 |
| Return on assets (ROA) | -0.2379% | 4,855 |
| Pretax return on assets | -0.3093% | 4,859 |
| Return on Equity (ROE) | -3.3812% | 4,882 |
| Retained earnings to average equity (ytd only) | -3.3812% | 4,620 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.3976% | 115 |
| Assets per employee ($millions) | 5.7140% | 2,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9845% | 3,903 |
| Loan loss allowance to noncurrent loans | 39.1008% | 4,118 |
| Noncurrent assets plus other real estate owned to assets | 1.4273% | 467 |
| Noncurrent loans to loans | 2.5179% | 368 |
| Net loans and leases to total assets | 56.1273% | 3,022 |
| Net loans and leases to deposits | 68.5524% | 2,643 |
| Net loans and leases to core deposits | 70.6481% | 2,817 |
| Total domestic deposits to total assets | 81.8749% | 3,916 |
| Equity capital to assets | 6.7028% | 4,891 |
| Core capital (leverage) ratio | 8.1945% | 4,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0537% | 676 |
| Memoranda: | ||
| Average total assets | $50,442,500 | 4,667 |
| Average earning assets | $48,116,000 | 4,642 |
| Average equity | $3,549,000 | 4,866 |
| Average total loans | $29,589,000 | 4,504 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5335% | 3,957 |
| Cost of funding earning assets | 0.3732% | 3,750 |
| Net interest margin | 3.1603% | 3,466 |
| Noninterest income to average assets | 0.1819% | 4,376 |
| Noninterest expense to average assets | 3.6566% | 560 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | -0.3395% | 4,847 |
| Return on assets (ROA) | -0.3395% | 4,864 |
| Pretax return on assets | -0.4682% | 4,872 |
| Return on Equity (ROE) | -3.9358% | 4,885 |
| Retained earnings to average equity (ytd only) | -3.9358% | 4,809 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.6834% | 100 |
| Assets per employee ($millions) | 5.4991% | 2,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9548% | 4,015 |
| Loan loss allowance to noncurrent loans | 36.7008% | 4,206 |
| Noncurrent assets plus other real estate owned to assets | 1.5801% | 446 |
| Noncurrent loans to loans | 2.6015% | 380 |
| Net loans and leases to total assets | 60.1572% | 2,844 |
| Net loans and leases to deposits | 74.3786% | 2,449 |
| Net loans and leases to core deposits | 76.7702% | 2,653 |
| Total domestic deposits to total assets | 80.8797% | 3,895 |
| Equity capital to assets | 7.4436% | 4,848 |
| Core capital (leverage) ratio | 8.7179% | 3,991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8967% | 591 |
| Memoranda: | ||
| Average total assets | $45,069,400 | 4,706 |
| Average earning assets | $42,875,200 | 4,683 |
| Average equity | $3,887,400 | 4,851 |
| Average total loans | $27,986,600 | 4,558 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6201% | 3,974 |
| Cost of funding earning assets | 0.4019% | 3,799 |
| Net interest margin | 3.2182% | 3,434 |
| Noninterest income to average assets | 0.1911% | 4,332 |
| Noninterest expense to average assets | 3.6908% | 537 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | -0.3184% | 4,862 |
| Return on assets (ROA) | -0.3184% | 4,869 |
| Pretax return on assets | -0.4397% | 4,888 |
| Return on Equity (ROE) | -3.5548% | 4,894 |
| Retained earnings to average equity (ytd only) | -3.5548% | 4,798 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.5261% | 100 |
| Assets per employee ($millions) | 5.2492% | 2,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9182% | 4,013 |
| Loan loss allowance to noncurrent loans | 36.4676% | 4,231 |
| Noncurrent assets plus other real estate owned to assets | 1.6659% | 480 |
| Noncurrent loans to loans | 2.5179% | 417 |
| Net loans and leases to total assets | 65.5526% | 2,574 |
| Net loans and leases to deposits | 81.8679% | 2,113 |
| Net loans and leases to core deposits | 84.6541% | 2,415 |
| Total domestic deposits to total assets | 80.0711% | 3,850 |
| Equity capital to assets | 8.3949% | 4,522 |
| Core capital (leverage) ratio | 9.1559% | 3,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0812% | 447 |
| Memoranda: | ||
| Average total assets | $43,963,750 | 4,743 |
| Average earning assets | $41,802,500 | 4,718 |
| Average equity | $3,938,250 | 4,870 |
| Average total loans | $27,468,250 | 4,594 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6295% | 4,217 |
| Cost of funding earning assets | 0.4224% | 3,936 |
| Net interest margin | 3.2071% | 3,654 |
| Noninterest income to average assets | 0.1959% | 4,298 |
| Noninterest expense to average assets | 3.8674% | 472 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -0.4525% | 4,910 |
| Return on assets (ROA) | -0.4525% | 4,908 |
| Pretax return on assets | -0.6251% | 4,921 |
| Return on Equity (ROE) | -4.9376% | 4,923 |
| Retained earnings to average equity (ytd only) | -4.9376% | 4,766 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.2806% | 97 |
| Assets per employee ($millions) | 5.2662% | 2,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9893% | 3,624 |
| Loan loss allowance to noncurrent loans | 36.2832% | 4,295 |
| Noncurrent assets plus other real estate owned to assets | 1.6689% | 507 |
| Noncurrent loans to loans | 2.7266% | 394 |
| Net loans and leases to total assets | 60.6022% | 3,254 |
| Net loans and leases to deposits | 77.1833% | 2,738 |
| Net loans and leases to core deposits | 77.1833% | 3,179 |
| Total domestic deposits to total assets | 78.5172% | 4,109 |
| Equity capital to assets | 8.3087% | 4,585 |
| Core capital (leverage) ratio | 9.6683% | 3,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7282% | 412 |
| Memoranda: | ||
| Average total assets | $42,870,667 | 4,777 |
| Average earning assets | $40,722,000 | 4,752 |
| Average equity | $3,929,000 | 4,901 |
| Average total loans | $26,205,667 | 4,643 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8801% | 4,077 |
| Cost of funding earning assets | 0.4473% | 4,164 |
| Net interest margin | 3.4328% | 3,206 |
| Noninterest income to average assets | 0.2364% | 4,139 |
| Noninterest expense to average assets | 4.1470% | 428 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.4728% | 4,923 |
| Return on assets (ROA) | -0.4728% | 4,898 |
| Pretax return on assets | -0.6600% | 4,914 |
| Return on Equity (ROE) | -4.8923% | 4,918 |
| Retained earnings to average equity (ytd only) | -4.8923% | 4,510 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.9266% | 111 |
| Assets per employee ($millions) | 4.4638% | 3,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1730% | 2,814 |
| Loan loss allowance to noncurrent loans | 24.2604% | 4,468 |
| Noncurrent assets plus other real estate owned to assets | 2.9447% | 204 |
| Noncurrent loans to loans | 4.8351% | 132 |
| Net loans and leases to total assets | 60.1882% | 3,476 |
| Net loans and leases to deposits | 70.9424% | 3,516 |
| Net loans and leases to core deposits | 70.9424% | 3,817 |
| Total domestic deposits to total assets | 84.8409% | 2,469 |
| Equity capital to assets | 9.7053% | 4,036 |
| Core capital (leverage) ratio | 10.7132% | 2,728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0781% | 440 |
| Memoranda: | ||
| Average total assets | $40,608,000 | 4,841 |
| Average earning assets | $38,452,500 | 4,811 |
| Average equity | $3,924,500 | 4,949 |
| Average total loans | $24,803,500 | 4,698 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1744% | 3,872 |
| Cost of funding earning assets | 0.4441% | 4,287 |
| Net interest margin | 3.7303% | 2,733 |
| Noninterest income to average assets | 0.2568% | 4,141 |
| Noninterest expense to average assets | 4.0251% | 520 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | -0.1704% | 5,017 |
| Return on assets (ROA) | -0.1704% | 5,026 |
| Pretax return on assets | -0.2420% | 5,027 |
| Return on Equity (ROE) | -1.7589% | 5,033 |
| Retained earnings to average equity (ytd only) | -1.7589% | 4,861 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.3969% | 122 |
| Assets per employee ($millions) | 4.5602% | 3,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1416% | 2,738 |
| Loan loss allowance to noncurrent loans | 27.0755% | 4,471 |
| Noncurrent assets plus other real estate owned to assets | 2.5827% | 246 |
| Noncurrent loans to loans | 4.2164% | 150 |
| Net loans and leases to total assets | 60.5550% | 3,540 |
| Net loans and leases to deposits | 71.3777% | 3,558 |
| Net loans and leases to core deposits | 71.3777% | 3,889 |
| Total domestic deposits to total assets | 84.8375% | 2,558 |
| Equity capital to assets | 9.6243% | 4,246 |
| Core capital (leverage) ratio | 11.0098% | 2,494 |
| Tier 1 risk-based capital ratio | 23.4428% | 873 |
| Total risk-based capital ratio | 24.6960% | 857 |
| Memoranda: | ||
| Average total assets | $40,496,200 | 4,885 |
| Average earning assets | $38,280,600 | 4,863 |
| Average equity | $3,923,000 | 4,998 |
| Average total loans | $24,458,000 | 4,769 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1680% | 3,995 |
| Cost of funding earning assets | 0.4406% | 4,363 |
| Net interest margin | 3.7275% | 2,829 |
| Noninterest income to average assets | 0.2544% | 4,216 |
| Noninterest expense to average assets | 3.9213% | 581 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | -0.1057% | 5,086 |
| Return on assets (ROA) | -0.1057% | 5,094 |
| Pretax return on assets | -0.1454% | 5,098 |
| Return on Equity (ROE) | -1.0896% | 5,101 |
| Retained earnings to average equity (ytd only) | -1.0896% | 4,867 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.8495% | 126 |
| Assets per employee ($millions) | 4.4073% | 3,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1566% | 2,740 |
| Loan loss allowance to noncurrent loans | 26.7474% | 4,549 |
| Noncurrent assets plus other real estate owned to assets | 2.7051% | 225 |
| Noncurrent loans to loans | 4.3240% | 144 |
| Net loans and leases to total assets | 61.8363% | 3,506 |
| Net loans and leases to deposits | 73.4108% | 3,528 |
| Net loans and leases to core deposits | 73.4108% | 3,862 |
| Total domestic deposits to total assets | 84.2333% | 2,738 |
| Equity capital to assets | 10.0540% | 3,966 |
| Core capital (leverage) ratio | 11.2362% | 2,438 |
| Tier 1 risk-based capital ratio | 23.7687% | 869 |
| Total risk-based capital ratio | 25.0214% | 850 |
| Memoranda: | ||
| Average total assets | $40,359,750 | 4,959 |
| Average earning assets | $38,130,500 | 4,933 |
| Average equity | $3,916,250 | 5,071 |
| Average total loans | $24,287,500 | 4,841 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2321% | 3,842 |
| Cost of funding earning assets | 0.4227% | 4,423 |
| Net interest margin | 3.8094% | 2,556 |
| Noninterest income to average assets | 0.2464% | 4,277 |
| Noninterest expense to average assets | 4.0255% | 520 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -0.1281% | 5,137 |
| Return on assets (ROA) | -0.1281% | 5,139 |
| Pretax return on assets | -0.1823% | 5,143 |
| Return on Equity (ROE) | -1.3360% | 5,149 |
| Retained earnings to average equity (ytd only) | -1.3360% | 4,863 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.7436% | 125 |
| Assets per employee ($millions) | 4.4770% | 3,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1612% | 2,730 |
| Loan loss allowance to noncurrent loans | 43.4191% | 4,330 |
| Noncurrent assets plus other real estate owned to assets | 1.6405% | 651 |
| Noncurrent loans to loans | 2.6744% | 411 |
| Net loans and leases to total assets | 60.6284% | 3,683 |
| Net loans and leases to deposits | 71.8859% | 3,696 |
| Net loans and leases to core deposits | 71.8859% | 4,009 |
| Total domestic deposits to total assets | 84.3397% | 2,744 |
| Equity capital to assets | 9.8652% | 4,087 |
| Core capital (leverage) ratio | 11.0872% | 2,515 |
| Tier 1 risk-based capital ratio | 23.4220% | 904 |
| Total risk-based capital ratio | 24.6675% | 884 |
| Memoranda: | ||
| Average total assets | $40,591,000 | 4,995 |
| Average earning assets | $38,326,330 | 4,976 |
| Average equity | $3,892,330 | 5,115 |
| Average total loans | $24,111,670 | 4,883 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1990% | 3,868 |
| Cost of funding earning assets | 0.3950% | 4,506 |
| Net interest margin | 3.8040% | 2,509 |
| Noninterest income to average assets | 0.2160% | 4,454 |
| Noninterest expense to average assets | 4.0943% | 468 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -0.2062% | 5,207 |
| Return on assets (ROA) | -0.2062% | 5,204 |
| Pretax return on assets | -0.2847% | 5,213 |
| Return on Equity (ROE) | -2.1813% | 5,221 |
| Retained earnings to average equity (ytd only) | -2.1813% | 4,758 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.4742% | 118 |
| Assets per employee ($millions) | 4.5134% | 3,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1732% | 2,723 |
| Loan loss allowance to noncurrent loans | 43.1579% | 4,392 |
| Noncurrent assets plus other real estate owned to assets | 1.6371% | 684 |
| Noncurrent loans to loans | 2.7185% | 440 |
| Net loans and leases to total assets | 59.5136% | 3,751 |
| Net loans and leases to deposits | 70.2905% | 3,749 |
| Net loans and leases to core deposits | 70.2905% | 4,071 |
| Total domestic deposits to total assets | 84.6680% | 2,791 |
| Equity capital to assets | 9.5443% | 4,218 |
| Core capital (leverage) ratio | 10.8553% | 2,714 |
| Tier 1 risk-based capital ratio | 23.3845% | 897 |
| Total risk-based capital ratio | 24.6429% | 875 |
| Memoranda: | ||
| Average total assets | $40,740,000 | 5,049 |
| Average earning assets | $38,485,500 | 5,026 |
| Average equity | $3,851,000 | 5,167 |
| Average total loans | $23,809,500 | 4,946 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1799% | 3,498 |
| Cost of funding earning assets | 0.2546% | 4,783 |
| Net interest margin | 3.9253% | 2,245 |
| Noninterest income to average assets | 0.2779% | 4,241 |
| Noninterest expense to average assets | 3.9534% | 570 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.0073% | 5,231 |
| Return on assets (ROA) | 0.0073% | 5,228 |
| Pretax return on assets | 0.0073% | 5,225 |
| Return on Equity (ROE) | 0.0748% | 5,228 |
| Retained earnings to average equity (ytd only) | 0.0748% | 4,967 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.8154% | 143 |
| Assets per employee ($millions) | 4.5399% | 3,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2394% | 2,354 |
| Loan loss allowance to noncurrent loans | 42.5816% | 4,442 |
| Noncurrent assets plus other real estate owned to assets | 1.6496% | 666 |
| Noncurrent loans to loans | 2.9106% | 358 |
| Net loans and leases to total assets | 55.9730% | 4,136 |
| Net loans and leases to deposits | 64.5298% | 4,221 |
| Net loans and leases to core deposits | 64.5298% | 4,430 |
| Total domestic deposits to total assets | 86.7398% | 1,899 |
| Equity capital to assets | 9.3615% | 4,255 |
| Core capital (leverage) ratio | 10.8847% | 2,644 |
| Tier 1 risk-based capital ratio | 23.8796% | 835 |
| Total risk-based capital ratio | 25.1344% | 817 |
| Memoranda: | ||
| Average total assets | $41,027,800 | 5,080 |
| Average earning assets | $38,493,800 | 5,063 |
| Average equity | $4,010,000 | 5,177 |
| Average total loans | $22,847,800 | 5,007 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2110% | 3,285 |
| Cost of funding earning assets | 0.2287% | 4,898 |
| Net interest margin | 3.9822% | 2,005 |
| Noninterest income to average assets | 0.2922% | 4,198 |
| Noninterest expense to average assets | 3.9574% | 551 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.0487% | 5,277 |
| Return on assets (ROA) | 0.0487% | 5,272 |
| Pretax return on assets | 0.0649% | 5,265 |
| Return on Equity (ROE) | 0.4931% | 5,267 |
| Retained earnings to average equity (ytd only) | 0.4931% | 4,952 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.3858% | 171 |
| Assets per employee ($millions) | 4.4651% | 3,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2569% | 2,327 |
| Loan loss allowance to noncurrent loans | 42.3304% | 4,540 |
| Noncurrent assets plus other real estate owned to assets | 1.6872% | 731 |
| Noncurrent loans to loans | 2.9693% | 371 |
| Net loans and leases to total assets | 56.1066% | 4,213 |
| Net loans and leases to deposits | 63.9196% | 4,331 |
| Net loans and leases to core deposits | 63.9196% | 4,522 |
| Total domestic deposits to total assets | 87.7768% | 1,348 |
| Equity capital to assets | 9.9686% | 3,681 |
| Core capital (leverage) ratio | 10.7900% | 2,802 |
| Tier 1 risk-based capital ratio | 24.6272% | 786 |
| Total risk-based capital ratio | 25.8822% | 764 |
| Memoranda: | ||
| Average total assets | $41,070,000 | 5,144 |
| Average earning assets | $38,470,000 | 5,130 |
| Average equity | $4,056,250 | 5,237 |
| Average total loans | $22,770,500 | 5,071 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9600% | 3,899 |
| Cost of funding earning assets | 0.2166% | 4,940 |
| Net interest margin | 3.7434% | 2,775 |
| Noninterest income to average assets | 0.2998% | 4,175 |
| Noninterest expense to average assets | 3.8970% | 603 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -0.0629% | 5,367 |
| Return on assets (ROA) | -0.0629% | 5,360 |
| Pretax return on assets | -0.0870% | 5,367 |
| Return on Equity (ROE) | -0.6384% | 5,366 |
| Retained earnings to average equity (ytd only) | -0.6384% | 5,042 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.2843% | 148 |
| Assets per employee ($millions) | 4.0278% | 3,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2838% | 2,248 |
| Loan loss allowance to noncurrent loans | 30.0209% | 4,760 |
| Noncurrent assets plus other real estate owned to assets | 2.3735% | 380 |
| Noncurrent loans to loans | 4.2763% | 195 |
| Net loans and leases to total assets | 54.7917% | 4,267 |
| Net loans and leases to deposits | 61.1211% | 4,471 |
| Net loans and leases to core deposits | 61.1211% | 4,649 |
| Total domestic deposits to total assets | 89.6445% | 688 |
| Equity capital to assets | 9.9633% | 3,659 |
| Core capital (leverage) ratio | 10.8786% | 2,632 |
| Tier 1 risk-based capital ratio | 24.3823% | 801 |
| Total risk-based capital ratio | 25.6344% | 777 |
| Memoranda: | ||
| Average total assets | $41,364,670 | 5,200 |
| Average earning assets | $38,788,330 | 5,181 |
| Average equity | $4,073,000 | 5,290 |
| Average total loans | $22,749,330 | 5,131 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9432% | 3,807 |
| Cost of funding earning assets | 0.2134% | 4,936 |
| Net interest margin | 3.7298% | 2,692 |
| Noninterest income to average assets | 0.2577% | 4,452 |
| Noninterest expense to average assets | 3.8370% | 642 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.0477% | 5,406 |
| Return on assets (ROA) | -0.0477% | 5,401 |
| Pretax return on assets | -0.0764% | 5,409 |
| Return on Equity (ROE) | -0.4874% | 5,401 |
| Retained earnings to average equity (ytd only) | -0.4874% | 4,857 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.0305% | 157 |
| Assets per employee ($millions) | 4.0979% | 3,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2803% | 2,336 |
| Loan loss allowance to noncurrent loans | 29.7718% | 4,813 |
| Noncurrent assets plus other real estate owned to assets | 2.3524% | 416 |
| Noncurrent loans to loans | 4.3003% | 215 |
| Net loans and leases to total assets | 54.0033% | 4,283 |
| Net loans and leases to deposits | 60.1915% | 4,457 |
| Net loans and leases to core deposits | 60.1915% | 4,645 |
| Total domestic deposits to total assets | 89.7191% | 775 |
| Equity capital to assets | 9.8929% | 3,707 |
| Core capital (leverage) ratio | 10.5297% | 2,914 |
| Tier 1 risk-based capital ratio | 24.3635% | 807 |
| Total risk-based capital ratio | 25.6198% | 783 |
| Memoranda: | ||
| Average total assets | $41,908,000 | 5,251 |
| Average earning assets | $39,358,500 | 5,230 |
| Average equity | $4,103,000 | 5,341 |
| Average total loans | $22,946,000 | 5,177 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5588% | 4,671 |
| Cost of funding earning assets | 0.2205% | 4,786 |
| Net interest margin | 3.3383% | 4,045 |
| Noninterest income to average assets | 0.2494% | 4,643 |
| Noninterest expense to average assets | 3.7347% | 752 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -0.4187% | 5,508 |
| Return on assets (ROA) | -0.4187% | 5,506 |
| Pretax return on assets | -0.3496% | 5,520 |
| Return on Equity (ROE) | -4.3760% | 5,528 |
| Retained earnings to average equity (ytd only) | -4.3760% | 5,412 |
| Net charge-offs to loans | 0.0546% | 2,709 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | -12.0769% | 4,092 |
| Efficiency ratio | 110.3289% | 103 |
| Assets per employee ($millions) | 4.2837% | 3,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2226% | 2,650 |
| Loan loss allowance to noncurrent loans | 26.5741% | 4,899 |
| Noncurrent assets plus other real estate owned to assets | 2.5212% | 374 |
| Noncurrent loans to loans | 4.6006% | 170 |
| Net loans and leases to total assets | 54.1308% | 4,347 |
| Net loans and leases to deposits | 60.1723% | 4,557 |
| Net loans and leases to core deposits | 60.6127% | 4,728 |
| Total domestic deposits to total assets | 89.9596% | 581 |
| Equity capital to assets | 9.6926% | 4,038 |
| Core capital (leverage) ratio | 9.9419% | 3,530 |
| Tier 1 risk-based capital ratio | 23.7606% | 837 |
| Total risk-based capital ratio | 25.0160% | 822 |
| Memoranda: | ||
| Average total assets | $44,903,800 | 5,254 |
| Average earning assets | $42,176,800 | 5,231 |
| Average equity | $4,296,200 | 5,377 |
| Average total loans | $23,801,200 | 5,201 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4710% | 4,862 |
| Cost of funding earning assets | 0.2189% | 4,822 |
| Net interest margin | 3.2521% | 4,320 |
| Noninterest income to average assets | 0.2495% | 4,714 |
| Noninterest expense to average assets | 3.5930% | 879 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -0.2084% | 5,583 |
| Return on assets (ROA) | -0.2084% | 5,584 |
| Pretax return on assets | -0.2906% | 5,589 |
| Return on Equity (ROE) | -2.1850% | 5,591 |
| Retained earnings to average equity (ytd only) | -2.1850% | 5,441 |
| Net charge-offs to loans | 0.0726% | 2,095 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | -7.6168% | 3,763 |
| Efficiency ratio | 108.8000% | 105 |
| Assets per employee ($millions) | 4.5055% | 3,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2200% | 2,808 |
| Loan loss allowance to noncurrent loans | 54.1509% | 4,457 |
| Noncurrent assets plus other real estate owned to assets | 1.1763% | 1,400 |
| Noncurrent loans to loans | 2.2530% | 715 |
| Net loans and leases to total assets | 51.5747% | 4,606 |
| Net loans and leases to deposits | 57.1706% | 4,809 |
| Net loans and leases to core deposits | 57.5658% | 4,932 |
| Total domestic deposits to total assets | 90.2120% | 405 |
| Equity capital to assets | 9.5483% | 4,396 |
| Core capital (leverage) ratio | 10.0663% | 3,483 |
| Tier 1 risk-based capital ratio | 24.7437% | 783 |
| Total risk-based capital ratio | 26.0035% | 763 |
| Memoranda: | ||
| Average total assets | $45,420,500 | 5,295 |
| Average earning assets | $42,637,750 | 5,277 |
| Average equity | $4,332,250 | 5,430 |
| Average total loans | $23,882,750 | 5,248 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3927% | 4,979 |
| Cost of funding earning assets | 0.2246% | 4,762 |
| Net interest margin | 3.1680% | 4,500 |
| Noninterest income to average assets | 0.2591% | 4,682 |
| Noninterest expense to average assets | 3.6362% | 834 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -0.2811% | 5,640 |
| Return on assets (ROA) | -0.2811% | 5,641 |
| Pretax return on assets | -0.4040% | 5,652 |
| Return on Equity (ROE) | -2.9477% | 5,651 |
| Retained earnings to average equity (ytd only) | -2.9477% | 5,432 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.5000% | 93 |
| Assets per employee ($millions) | 4.5942% | 2,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2416% | 2,748 |
| Loan loss allowance to noncurrent loans | 51.5517% | 4,545 |
| Noncurrent assets plus other real estate owned to assets | 1.2625% | 1,323 |
| Noncurrent loans to loans | 2.4085% | 647 |
| Net loans and leases to total assets | 51.7653% | 4,595 |
| Net loans and leases to deposits | 57.2977% | 4,784 |
| Net loans and leases to core deposits | 57.6855% | 4,926 |
| Total domestic deposits to total assets | 90.3443% | 410 |
| Equity capital to assets | 9.3901% | 4,525 |
| Core capital (leverage) ratio | 9.9091% | 3,646 |
| Tier 1 risk-based capital ratio | 25.4480% | 707 |
| Total risk-based capital ratio | 26.7081% | 695 |
| Memoranda: | ||
| Average total assets | $45,542,330 | 5,332 |
| Average earning assets | $42,739,330 | 5,315 |
| Average equity | $4,342,330 | 5,464 |
| Average total loans | $24,002,330 | 5,283 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3937% | 4,936 |
| Cost of funding earning assets | 0.2168% | 4,827 |
| Net interest margin | 3.1769% | 4,416 |
| Noninterest income to average assets | 0.2735% | 4,586 |
| Noninterest expense to average assets | 3.6963% | 782 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.3088% | 5,700 |
| Return on assets (ROA) | -0.3088% | 5,700 |
| Pretax return on assets | -0.4499% | 5,720 |
| Return on Equity (ROE) | -3.2136% | 5,710 |
| Retained earnings to average equity (ytd only) | -3.2136% | 5,272 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.8587% | 91 |
| Assets per employee ($millions) | 4.6996% | 2,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2656% | 2,712 |
| Loan loss allowance to noncurrent loans | 55.6797% | 4,528 |
| Noncurrent assets plus other real estate owned to assets | 1.1427% | 1,545 |
| Noncurrent loans to loans | 2.2729% | 732 |
| Net loans and leases to total assets | 49.6361% | 4,701 |
| Net loans and leases to deposits | 54.8703% | 4,891 |
| Net loans and leases to core deposits | 55.5643% | 5,000 |
| Total domestic deposits to total assets | 90.4609% | 488 |
| Equity capital to assets | 9.2540% | 4,563 |
| Core capital (leverage) ratio | 10.2263% | 3,213 |
| Tier 1 risk-based capital ratio | 27.0768% | 620 |
| Total risk-based capital ratio | 28.3380% | 607 |
| Memoranda: | ||
| Average total assets | $45,342,500 | 5,400 |
| Average earning assets | $42,431,500 | 5,379 |
| Average equity | $4,356,500 | 5,517 |
| Average total loans | $23,963,000 | 5,334 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5346% | 4,681 |
| Cost of funding earning assets | 0.2300% | 4,736 |
| Net interest margin | 3.3045% | 4,133 |
| Noninterest income to average assets | 0.2815% | 4,728 |
| Noninterest expense to average assets | 3.8028% | 774 |
| Loan and lease loss provision to assets | -0.0559% | 5,604 |
| Net operating income to assets | -0.2704% | 5,732 |
| Return on assets (ROA) | -0.2704% | 5,744 |
| Pretax return on assets | -0.3843% | 5,759 |
| Return on Equity (ROE) | -2.6966% | 5,748 |
| Retained earnings to average equity (ytd only) | -2.6966% | 5,574 |
| Net charge-offs to loans | -0.0864% | 5,545 |
| Credit loss provision to net charge-offs | 113.6364% | 2,314 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.0897% | 111 |
| Assets per employee ($millions) | 4.3689% | 3,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2305% | 2,935 |
| Loan loss allowance to noncurrent loans | 55.0645% | 4,576 |
| Noncurrent assets plus other real estate owned to assets | 1.2429% | 1,438 |
| Noncurrent loans to loans | 2.2346% | 756 |
| Net loans and leases to total assets | 54.9360% | 4,352 |
| Net loans and leases to deposits | 61.2380% | 4,591 |
| Net loans and leases to core deposits | 62.0790% | 4,751 |
| Total domestic deposits to total assets | 89.7091% | 770 |
| Equity capital to assets | 9.9888% | 3,737 |
| Core capital (leverage) ratio | 10.7227% | 2,627 |
| Tier 1 risk-based capital ratio | 26.6518% | 648 |
| Total risk-based capital ratio | 27.9160% | 631 |
| Memoranda: | ||
| Average total assets | $44,756,200 | 5,447 |
| Average earning assets | $41,730,600 | 5,426 |
| Average equity | $4,487,200 | 5,555 |
| Average total loans | $25,454,600 | 5,333 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6078% | 4,529 |
| Cost of funding earning assets | 0.2316% | 4,780 |
| Net interest margin | 3.3762% | 3,928 |
| Noninterest income to average assets | 0.2754% | 4,803 |
| Noninterest expense to average assets | 3.6307% | 947 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.1392% | 5,773 |
| Return on assets (ROA) | -0.1392% | 5,790 |
| Pretax return on assets | -0.2043% | 5,793 |
| Return on Equity (ROE) | -1.3871% | 5,797 |
| Retained earnings to average equity (ytd only) | -1.3871% | 5,537 |
| Net charge-offs to loans | -0.1139% | 5,618 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.9637% | 155 |
| Assets per employee ($millions) | 4.4493% | 3,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2923% | 2,731 |
| Loan loss allowance to noncurrent loans | 70.8972% | 4,251 |
| Noncurrent assets plus other real estate owned to assets | 1.0271% | 2,009 |
| Noncurrent loans to loans | 1.8228% | 1,125 |
| Net loans and leases to total assets | 55.6200% | 4,350 |
| Net loans and leases to deposits | 62.0055% | 4,626 |
| Net loans and leases to core deposits | 62.8399% | 4,784 |
| Total domestic deposits to total assets | 89.7018% | 592 |
| Equity capital to assets | 10.0892% | 4,045 |
| Core capital (leverage) ratio | 10.6452% | 2,831 |
| Tier 1 risk-based capital ratio | 26.5559% | 678 |
| Total risk-based capital ratio | 27.8186% | 659 |
| Memoranda: | ||
| Average total assets | $45,023,000 | 5,496 |
| Average earning assets | $42,018,500 | 5,479 |
| Average equity | $4,518,000 | 5,609 |
| Average total loans | $25,743,250 | 5,378 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6558% | 4,430 |
| Cost of funding earning assets | 0.2317% | 4,834 |
| Net interest margin | 3.4241% | 3,781 |
| Noninterest income to average assets | 0.2566% | 4,942 |
| Noninterest expense to average assets | 3.7036% | 877 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.1681% | 5,845 |
| Return on assets (ROA) | -0.1681% | 5,856 |
| Pretax return on assets | -0.2434% | 5,867 |
| Return on Equity (ROE) | -1.6786% | 5,863 |
| Retained earnings to average equity (ytd only) | -1.6786% | 5,508 |
| Net charge-offs to loans | -0.1771% | 5,788 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.0332% | 163 |
| Assets per employee ($millions) | 4.1205% | 3,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2661% | 2,979 |
| Loan loss allowance to noncurrent loans | 65.7258% | 4,441 |
| Noncurrent assets plus other real estate owned to assets | 1.0943% | 1,932 |
| Noncurrent loans to loans | 1.9263% | 1,049 |
| Net loans and leases to total assets | 56.0892% | 4,300 |
| Net loans and leases to deposits | 62.5581% | 4,610 |
| Net loans and leases to core deposits | 63.3848% | 4,790 |
| Total domestic deposits to total assets | 89.6594% | 612 |
| Equity capital to assets | 9.9237% | 4,317 |
| Core capital (leverage) ratio | 10.5246% | 2,942 |
| Tier 1 risk-based capital ratio | 26.4432% | 694 |
| Total risk-based capital ratio | 27.7037% | 674 |
| Memoranda: | ||
| Average total assets | $45,199,670 | 5,556 |
| Average earning assets | $42,289,000 | 5,534 |
| Average equity | $4,527,670 | 5,670 |
| Average total loans | $25,967,330 | 5,435 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8089% | 3,912 |
| Cost of funding earning assets | 0.2274% | 4,930 |
| Net interest margin | 3.5815% | 3,157 |
| Noninterest income to average assets | 0.2038% | 5,281 |
| Noninterest expense to average assets | 3.6511% | 962 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.0620% | 5,823 |
| Return on assets (ROA) | -0.0620% | 5,843 |
| Pretax return on assets | -0.0975% | 5,863 |
| Return on Equity (ROE) | -0.6164% | 5,850 |
| Retained earnings to average equity (ytd only) | -0.6164% | 5,224 |
| Net charge-offs to loans | -0.0460% | 5,286 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.7431% | 230 |
| Assets per employee ($millions) | 4.1099% | 3,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1944% | 3,515 |
| Loan loss allowance to noncurrent loans | 93.8650% | 3,762 |
| Noncurrent assets plus other real estate owned to assets | 0.7211% | 2,911 |
| Noncurrent loans to loans | 1.2725% | 1,898 |
| Net loans and leases to total assets | 55.9911% | 4,258 |
| Net loans and leases to deposits | 62.4334% | 4,552 |
| Net loans and leases to core deposits | 63.2588% | 4,737 |
| Total domestic deposits to total assets | 89.6813% | 747 |
| Equity capital to assets | 10.0157% | 4,059 |
| Core capital (leverage) ratio | 10.6920% | 2,742 |
| Tier 1 risk-based capital ratio | 26.6820% | 690 |
| Total risk-based capital ratio | 27.9459% | 681 |
| Memoranda: | ||
| Average total assets | $45,136,500 | 5,611 |
| Average earning assets | $42,217,000 | 5,589 |
| Average equity | $4,542,500 | 5,711 |
| Average total loans | $26,076,500 | 5,482 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7184% | 4,315 |
| Cost of funding earning assets | 0.2520% | 4,766 |
| Net interest margin | 3.4664% | 3,651 |
| Noninterest income to average assets | 0.2881% | 4,831 |
| Noninterest expense to average assets | 3.6289% | 1,073 |
| Loan and lease loss provision to assets | -0.0550% | 5,760 |
| Net operating income to assets | -0.0308% | 5,884 |
| Return on assets (ROA) | -0.0308% | 5,908 |
| Pretax return on assets | -0.0484% | 5,908 |
| Return on Equity (ROE) | -0.2987% | 5,908 |
| Retained earnings to average equity (ytd only) | -0.2987% | 5,553 |
| Net charge-offs to loans | 0.2125% | 1,385 |
| Credit loss provision to net charge-offs | -43.1034% | 5,044 |
| Earnings coverage of net charge-offs (x) | -0.8103% | 4,325 |
| Efficiency ratio | 102.9320% | 233 |
| Assets per employee ($millions) | 4.5064% | 3,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1419% | 3,798 |
| Loan loss allowance to noncurrent loans | 63.5220% | 4,552 |
| Noncurrent assets plus other real estate owned to assets | 1.0585% | 2,068 |
| Noncurrent loans to loans | 1.7977% | 1,221 |
| Net loans and leases to total assets | 58.2083% | 4,053 |
| Net loans and leases to deposits | 65.0264% | 4,400 |
| Net loans and leases to core deposits | 65.8905% | 4,603 |
| Total domestic deposits to total assets | 89.5149% | 847 |
| Equity capital to assets | 10.1123% | 3,849 |
| Core capital (leverage) ratio | 10.6615% | 2,756 |
| Tier 1 risk-based capital ratio | 25.7034% | 760 |
| Total risk-based capital ratio | 26.9652% | 741 |
| Memoranda: | ||
| Average total assets | $45,468,400 | 5,648 |
| Average earning assets | $42,464,600 | 5,625 |
| Average equity | $4,686,800 | 5,723 |
| Average total loans | $27,288,400 | 5,466 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7509% | 4,257 |
| Cost of funding earning assets | 0.2569% | 4,794 |
| Net interest margin | 3.4939% | 3,561 |
| Noninterest income to average assets | 0.2809% | 4,935 |
| Noninterest expense to average assets | 3.4993% | 1,288 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.0439% | 5,899 |
| Return on assets (ROA) | 0.0439% | 5,943 |
| Pretax return on assets | 0.0439% | 5,939 |
| Return on Equity (ROE) | 0.4238% | 5,933 |
| Retained earnings to average equity (ytd only) | 0.4238% | 5,498 |
| Net charge-offs to loans | -0.1262% | 5,871 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.7614% | 326 |
| Assets per employee ($millions) | 4.5204% | 2,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5335% | 2,022 |
| Loan loss allowance to noncurrent loans | 45.2250% | 5,083 |
| Noncurrent assets plus other real estate owned to assets | 2.0153% | 1,011 |
| Noncurrent loans to loans | 3.3908% | 476 |
| Net loans and leases to total assets | 58.5236% | 4,078 |
| Net loans and leases to deposits | 65.5119% | 4,426 |
| Net loans and leases to core deposits | 66.8697% | 4,632 |
| Total domestic deposits to total assets | 89.3328% | 853 |
| Equity capital to assets | 10.4504% | 3,649 |
| Core capital (leverage) ratio | 10.5546% | 2,981 |
| Tier 1 risk-based capital ratio | 25.4412% | 814 |
| Total risk-based capital ratio | 26.7146% | 796 |
| Memoranda: | ||
| Average total assets | $45,569,500 | 5,716 |
| Average earning assets | $42,549,250 | 5,691 |
| Average equity | $4,719,250 | 5,795 |
| Average total loans | $27,477,000 | 5,524 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7879% | 4,105 |
| Cost of funding earning assets | 0.2625% | 4,805 |
| Net interest margin | 3.5254% | 3,389 |
| Noninterest income to average assets | 0.2845% | 4,926 |
| Noninterest expense to average assets | 3.5412% | 1,239 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.0350% | 5,955 |
| Return on assets (ROA) | 0.0350% | 5,998 |
| Pretax return on assets | 0.0350% | 5,991 |
| Return on Equity (ROE) | 0.3392% | 5,988 |
| Retained earnings to average equity (ytd only) | 0.3392% | 5,404 |
| Net charge-offs to loans | -0.1156% | 5,836 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.0208% | 347 |
| Assets per employee ($millions) | 4.6504% | 2,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4493% | 2,514 |
| Loan loss allowance to noncurrent loans | 38.3810% | 5,293 |
| Noncurrent assets plus other real estate owned to assets | 2.2579% | 911 |
| Noncurrent loans to loans | 3.7760% | 442 |
| Net loans and leases to total assets | 58.9283% | 3,990 |
| Net loans and leases to deposits | 65.7975% | 4,354 |
| Net loans and leases to core deposits | 67.1173% | 4,563 |
| Total domestic deposits to total assets | 89.5600% | 866 |
| Equity capital to assets | 10.1454% | 3,875 |
| Core capital (leverage) ratio | 10.6772% | 2,759 |
| Tier 1 risk-based capital ratio | 24.4062% | 917 |
| Total risk-based capital ratio | 25.6750% | 900 |
| Memoranda: | ||
| Average total assets | $45,691,330 | 5,775 |
| Average earning assets | $42,662,000 | 5,750 |
| Average equity | $4,717,670 | 5,851 |
| Average total loans | $27,680,330 | 5,571 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8895% | 3,665 |
| Cost of funding earning assets | 0.2650% | 4,851 |
| Net interest margin | 3.6245% | 2,912 |
| Noninterest income to average assets | 0.2915% | 4,843 |
| Noninterest expense to average assets | 3.5243% | 1,261 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1502% | 5,787 |
| Return on assets (ROA) | 0.1502% | 5,860 |
| Pretax return on assets | 0.1502% | 5,896 |
| Return on Equity (ROE) | 1.4414% | 5,821 |
| Retained earnings to average equity (ytd only) | 1.4414% | 4,909 |
| Net charge-offs to loans | -0.1738% | 6,018 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.9135% | 505 |
| Assets per employee ($millions) | 4.5078% | 3,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4304% | 2,783 |
| Loan loss allowance to noncurrent loans | 45.0226% | 5,158 |
| Noncurrent assets plus other real estate owned to assets | 1.9610% | 1,223 |
| Noncurrent loans to loans | 3.1770% | 644 |
| Net loans and leases to total assets | 60.8434% | 3,547 |
| Net loans and leases to deposits | 68.1738% | 3,934 |
| Net loans and leases to core deposits | 69.5799% | 4,195 |
| Total domestic deposits to total assets | 89.2475% | 1,116 |
| Equity capital to assets | 10.4818% | 3,553 |
| Core capital (leverage) ratio | 10.7241% | 2,721 |
| Tier 1 risk-based capital ratio | 24.3786% | 952 |
| Total risk-based capital ratio | 25.6391% | 930 |
| Memoranda: | ||
| Average total assets | $45,285,000 | 5,839 |
| Average earning assets | $42,267,500 | 5,807 |
| Average equity | $4,717,500 | 5,902 |
| Average total loans | $27,617,000 | 5,612 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7407% | 4,676 |
| Cost of funding earning assets | 0.3048% | 4,745 |
| Net interest margin | 3.4359% | 4,043 |
| Noninterest income to average assets | 0.2958% | 5,003 |
| Noninterest expense to average assets | 3.6112% | 1,283 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.0883% | 6,149 |
| Return on assets (ROA) | -0.0883% | 6,154 |
| Pretax return on assets | -0.1302% | 6,155 |
| Return on Equity (ROE) | -0.8366% | 6,159 |
| Retained earnings to average equity (ytd only) | -0.8366% | 5,899 |
| Net charge-offs to loans | -0.0220% | 5,718 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.7413% | 295 |
| Assets per employee ($millions) | 4.1379% | 3,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4083% | 2,912 |
| Loan loss allowance to noncurrent loans | 43.5666% | 5,271 |
| Noncurrent assets plus other real estate owned to assets | 1.9465% | 1,323 |
| Noncurrent loans to loans | 3.2325% | 673 |
| Net loans and leases to total assets | 59.3690% | 3,865 |
| Net loans and leases to deposits | 66.5051% | 4,266 |
| Net loans and leases to core deposits | 67.8629% | 4,522 |
| Total domestic deposits to total assets | 89.2699% | 1,085 |
| Equity capital to assets | 10.4466% | 3,554 |
| Core capital (leverage) ratio | 10.6405% | 2,789 |
| Tier 1 risk-based capital ratio | 22.8882% | 1,103 |
| Total risk-based capital ratio | 24.1410% | 1,077 |
| Memoranda: | ||
| Average total assets | $45,303,600 | 5,900 |
| Average earning assets | $41,997,600 | 5,869 |
| Average equity | $4,781,000 | 5,911 |
| Average total loans | $27,215,200 | 5,686 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7176% | 4,804 |
| Cost of funding earning assets | 0.3151% | 4,729 |
| Net interest margin | 3.4025% | 4,231 |
| Noninterest income to average assets | 0.3064% | 4,989 |
| Noninterest expense to average assets | 3.5446% | 1,385 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.0589% | 6,190 |
| Return on assets (ROA) | -0.0589% | 6,196 |
| Pretax return on assets | -0.0884% | 6,197 |
| Return on Equity (ROE) | -0.5571% | 6,195 |
| Retained earnings to average equity (ytd only) | -0.5571% | 5,882 |
| Net charge-offs to loans | -0.0098% | 5,423 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.5575% | 316 |
| Assets per employee ($millions) | 4.0721% | 3,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4114% | 3,120 |
| Loan loss allowance to noncurrent loans | 49.4194% | 5,165 |
| Noncurrent assets plus other real estate owned to assets | 1.7302% | 1,731 |
| Noncurrent loans to loans | 2.8560% | 953 |
| Net loans and leases to total assets | 59.7259% | 3,833 |
| Net loans and leases to deposits | 67.0568% | 4,230 |
| Net loans and leases to core deposits | 68.4500% | 4,463 |
| Total domestic deposits to total assets | 89.0675% | 1,199 |
| Equity capital to assets | 10.6579% | 3,361 |
| Core capital (leverage) ratio | 10.8538% | 2,630 |
| Tier 1 risk-based capital ratio | 23.5928% | 1,037 |
| Total risk-based capital ratio | 24.8501% | 1,020 |
| Memoranda: | ||
| Average total assets | $45,250,250 | 5,968 |
| Average earning assets | $41,889,500 | 5,946 |
| Average equity | $4,787,500 | 5,974 |
| Average total loans | $27,166,750 | 5,748 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6926% | 4,879 |
| Cost of funding earning assets | 0.3240% | 4,712 |
| Net interest margin | 3.3686% | 4,317 |
| Noninterest income to average assets | 0.2907% | 5,095 |
| Noninterest expense to average assets | 3.6121% | 1,276 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.1454% | 6,286 |
| Return on assets (ROA) | -0.1454% | 6,299 |
| Pretax return on assets | -0.2070% | 6,318 |
| Return on Equity (ROE) | -1.3773% | 6,296 |
| Retained earnings to average equity (ytd only) | -1.3773% | 5,910 |
| Net charge-offs to loans | -0.1030% | 6,153 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.0802% | 295 |
| Assets per employee ($millions) | 4.1440% | 3,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4670% | 3,044 |
| Loan loss allowance to noncurrent loans | 51.2987% | 5,121 |
| Noncurrent assets plus other real estate owned to assets | 2.0643% | 1,536 |
| Noncurrent loans to loans | 2.8597% | 1,046 |
| Net loans and leases to total assets | 58.2024% | 3,964 |
| Net loans and leases to deposits | 65.2830% | 4,352 |
| Net loans and leases to core deposits | 66.6123% | 4,582 |
| Total domestic deposits to total assets | 89.1541% | 1,274 |
| Equity capital to assets | 10.4774% | 3,466 |
| Core capital (leverage) ratio | 10.5880% | 2,839 |
| Tier 1 risk-based capital ratio | 22.8871% | 1,126 |
| Total risk-based capital ratio | 24.1448% | 1,111 |
| Memoranda: | ||
| Average total assets | $45,402,670 | 6,022 |
| Average earning assets | $41,976,000 | 5,999 |
| Average equity | $4,792,000 | 6,012 |
| Average total loans | $27,177,000 | 5,782 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7509% | 4,662 |
| Cost of funding earning assets | 0.3341% | 4,703 |
| Net interest margin | 3.4169% | 4,043 |
| Noninterest income to average assets | 0.2560% | 5,308 |
| Noninterest expense to average assets | 3.6282% | 1,255 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.1501% | 6,322 |
| Return on assets (ROA) | -0.1501% | 6,326 |
| Pretax return on assets | -0.2119% | 6,353 |
| Return on Equity (ROE) | -1.4167% | 6,322 |
| Retained earnings to average equity (ytd only) | -1.4167% | 5,783 |
| Net charge-offs to loans | -0.1465% | 6,277 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.2016% | 331 |
| Assets per employee ($millions) | 4.1449% | 3,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4394% | 3,422 |
| Loan loss allowance to noncurrent loans | 67.5302% | 4,574 |
| Noncurrent assets plus other real estate owned to assets | 1.6450% | 2,146 |
| Noncurrent loans to loans | 2.1314% | 1,720 |
| Net loans and leases to total assets | 58.7226% | 3,736 |
| Net loans and leases to deposits | 65.8388% | 4,117 |
| Net loans and leases to core deposits | 67.1785% | 4,386 |
| Total domestic deposits to total assets | 89.1916% | 1,536 |
| Equity capital to assets | 10.5080% | 3,240 |
| Core capital (leverage) ratio | 10.6187% | 2,786 |
| Tier 1 risk-based capital ratio | 22.1624% | 1,266 |
| Total risk-based capital ratio | 23.4180% | 1,245 |
| Memoranda: | ||
| Average total assets | $45,312,000 | 6,081 |
| Average earning assets | $41,909,500 | 6,059 |
| Average equity | $4,800,000 | 6,046 |
| Average total loans | $27,302,500 | 5,836 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1733% | 3,441 |
| Cost of funding earning assets | 0.3750% | 4,894 |
| Net interest margin | 3.7983% | 2,666 |
| Noninterest income to average assets | 0.4404% | 4,155 |
| Noninterest expense to average assets | 3.7827% | 1,166 |
| Loan and lease loss provision to assets | 0.0023% | 5,066 |
| Net operating income to assets | 0.0742% | 6,094 |
| Return on assets (ROA) | 0.0742% | 6,139 |
| Pretax return on assets | 0.1066% | 6,082 |
| Return on Equity (ROE) | 0.6649% | 6,139 |
| Retained earnings to average equity (ytd only) | 0.6649% | 5,536 |
| Net charge-offs to loans | 0.3260% | 2,048 |
| Credit loss provision to net charge-offs | 1.0989% | 4,696 |
| Earnings coverage of net charge-offs (x) | 0.5165% | 4,907 |
| Efficiency ratio | 97.2007% | 579 |
| Assets per employee ($millions) | 4.0936% | 3,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3885% | 3,705 |
| Loan loss allowance to noncurrent loans | 79.0456% | 4,206 |
| Noncurrent assets plus other real estate owned to assets | 1.4501% | 2,572 |
| Noncurrent loans to loans | 1.7566% | 2,295 |
| Net loans and leases to total assets | 60.0911% | 3,699 |
| Net loans and leases to deposits | 67.5917% | 4,109 |
| Net loans and leases to core deposits | 68.9876% | 4,394 |
| Total domestic deposits to total assets | 88.9030% | 1,691 |
| Equity capital to assets | 10.6795% | 2,953 |
| Core capital (leverage) ratio | 10.7925% | 2,582 |
| Tier 1 risk-based capital ratio | 22.9263% | 1,108 |
| Total risk-based capital ratio | 24.1824% | 1,084 |
| Memoranda: | ||
| Average total assets | $43,143,800 | 6,197 |
| Average earning assets | $39,201,800 | 6,194 |
| Average equity | $4,812,400 | 6,112 |
| Average total loans | $27,911,400 | 5,850 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2793% | 3,083 |
| Cost of funding earning assets | 0.3765% | 5,035 |
| Net interest margin | 3.9028% | 2,263 |
| Noninterest income to average assets | 0.4780% | 3,947 |
| Noninterest expense to average assets | 3.8338% | 1,045 |
| Loan and lease loss provision to assets | 0.0031% | 4,894 |
| Net operating income to assets | 0.1187% | 6,102 |
| Return on assets (ROA) | 0.1187% | 6,170 |
| Pretax return on assets | 0.1719% | 6,088 |
| Return on Equity (ROE) | 1.0527% | 6,171 |
| Retained earnings to average equity (ytd only) | 1.0527% | 5,552 |
| Net charge-offs to loans | 0.4614% | 1,389 |
| Credit loss provision to net charge-offs | 1.0309% | 4,328 |
| Earnings coverage of net charge-offs (x) | 0.5773% | 4,666 |
| Efficiency ratio | 95.6352% | 641 |
| Assets per employee ($millions) | 3.9225% | 3,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3504% | 4,133 |
| Loan loss allowance to noncurrent loans | 60.6796% | 4,790 |
| Noncurrent assets plus other real estate owned to assets | 1.8286% | 2,233 |
| Noncurrent loans to loans | 2.2255% | 1,983 |
| Net loans and leases to total assets | 63.4899% | 3,085 |
| Net loans and leases to deposits | 71.7590% | 3,541 |
| Net loans and leases to core deposits | 72.8254% | 3,992 |
| Total domestic deposits to total assets | 88.4766% | 1,851 |
| Equity capital to assets | 11.1572% | 2,613 |
| Core capital (leverage) ratio | 11.2775% | 2,220 |
| Tier 1 risk-based capital ratio | 22.2232% | 1,280 |
| Total risk-based capital ratio | 23.5221% | 1,243 |
| Memoranda: | ||
| Average total assets | $42,672,250 | 6,276 |
| Average earning assets | $38,603,500 | 6,283 |
| Average equity | $4,813,250 | 6,187 |
| Average total loans | $28,029,250 | 5,905 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3640% | 2,700 |
| Cost of funding earning assets | 0.3715% | 5,216 |
| Net interest margin | 3.9925% | 1,888 |
| Noninterest income to average assets | 0.4093% | 4,456 |
| Noninterest expense to average assets | 3.9422% | 928 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.0565% | 6,229 |
| Return on assets (ROA) | 0.0565% | 6,306 |
| Pretax return on assets | 0.0565% | 6,298 |
| Return on Equity (ROE) | 0.4986% | 6,313 |
| Retained earnings to average equity (ytd only) | 0.4986% | 5,699 |
| Net charge-offs to loans | 0.6829% | 963 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.1250% | 4,502 |
| Efficiency ratio | 98.5882% | 541 |
| Assets per employee ($millions) | 3.9219% | 3,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3319% | 4,358 |
| Loan loss allowance to noncurrent loans | 50.4711% | 5,185 |
| Noncurrent assets plus other real estate owned to assets | 3.4097% | 1,140 |
| Noncurrent loans to loans | 2.6390% | 1,733 |
| Net loans and leases to total assets | 64.3935% | 2,854 |
| Net loans and leases to deposits | 72.9958% | 3,305 |
| Net loans and leases to core deposits | 74.0820% | 3,802 |
| Total domestic deposits to total assets | 88.2154% | 2,099 |
| Equity capital to assets | 11.1843% | 2,566 |
| Core capital (leverage) ratio | 11.1507% | 2,216 |
| Tier 1 risk-based capital ratio | 22.7727% | 1,170 |
| Total risk-based capital ratio | 24.0244% | 1,148 |
| Memoranda: | ||
| Average total assets | $42,514,000 | 6,330 |
| Average earning assets | $38,221,670 | 6,338 |
| Average equity | $4,813,000 | 6,235 |
| Average total loans | $28,116,000 | 5,932 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3798% | 2,594 |
| Cost of funding earning assets | 0.3809% | 5,276 |
| Net interest margin | 3.9989% | 1,787 |
| Noninterest income to average assets | 0.3223% | 5,123 |
| Noninterest expense to average assets | 4.0189% | 865 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.1137% | 6,458 |
| Return on assets (ROA) | -0.1137% | 6,505 |
| Pretax return on assets | -0.1137% | 6,494 |
| Return on Equity (ROE) | -0.9985% | 6,504 |
| Retained earnings to average equity (ytd only) | -0.9985% | 5,953 |
| Net charge-offs to loans | -0.1281% | 6,544 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.9126% | 458 |
| Assets per employee ($millions) | 3.7988% | 4,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7145% | 2,949 |
| Loan loss allowance to noncurrent loans | 69.1643% | 4,365 |
| Noncurrent assets plus other real estate owned to assets | 3.8170% | 1,080 |
| Noncurrent loans to loans | 2.4789% | 2,082 |
| Net loans and leases to total assets | 65.8482% | 2,393 |
| Net loans and leases to deposits | 74.8572% | 2,793 |
| Net loans and leases to core deposits | 76.0110% | 3,326 |
| Total domestic deposits to total assets | 87.9652% | 2,336 |
| Equity capital to assets | 11.4892% | 2,423 |
| Core capital (leverage) ratio | 11.4563% | 1,906 |
| Tier 1 risk-based capital ratio | 22.5202% | 1,234 |
| Total risk-based capital ratio | 23.7784% | 1,220 |
| Memoranda: | ||
| Average total assets | $42,200,500 | 6,398 |
| Average earning assets | $37,810,000 | 6,408 |
| Average equity | $4,807,000 | 6,299 |
| Average total loans | $28,096,500 | 5,981 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4932% | 3,417 |
| Cost of funding earning assets | 0.4456% | 5,615 |
| Net interest margin | 4.0475% | 2,210 |
| Noninterest income to average assets | 0.6749% | 2,856 |
| Noninterest expense to average assets | 3.9586% | 1,021 |
| Loan and lease loss provision to assets | -0.0835% | 6,913 |
| Net operating income to assets | 0.3172% | 5,409 |
| Return on assets (ROA) | 0.3172% | 5,617 |
| Pretax return on assets | 0.4817% | 5,337 |
| Return on Equity (ROE) | 2.7887% | 5,636 |
| Retained earnings to average equity (ytd only) | 2.7887% | 4,282 |
| Net charge-offs to loans | 0.0104% | 5,787 |
| Credit loss provision to net charge-offs | -1,166.6667% | 6,596 |
| Earnings coverage of net charge-offs (x) | 55.6667% | 631 |
| Efficiency ratio | 90.8593% | 998 |
| Assets per employee ($millions) | 3.8740% | 4,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6704% | 3,039 |
| Loan loss allowance to noncurrent loans | 131.1978% | 2,648 |
| Noncurrent assets plus other real estate owned to assets | 2.9662% | 1,598 |
| Noncurrent loans to loans | 1.2732% | 3,709 |
| Net loans and leases to total assets | 65.0631% | 2,708 |
| Net loans and leases to deposits | 73.8159% | 3,123 |
| Net loans and leases to core deposits | 74.9270% | 3,666 |
| Total domestic deposits to total assets | 88.1424% | 2,133 |
| Equity capital to assets | 11.2944% | 2,635 |
| Core capital (leverage) ratio | 11.2611% | 2,050 |
| Tier 1 risk-based capital ratio | 22.2964% | 1,214 |
| Total risk-based capital ratio | 23.5577% | 1,185 |
| Memoranda: | ||
| Average total assets | $41,934,200 | 6,435 |
| Average earning assets | $38,146,600 | 6,423 |
| Average equity | $4,769,200 | 6,362 |
| Average total loans | $28,969,000 | 5,996 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5128% | 3,586 |
| Cost of funding earning assets | 0.4614% | 5,713 |
| Net interest margin | 4.0514% | 2,285 |
| Noninterest income to average assets | 0.7502% | 2,485 |
| Noninterest expense to average assets | 3.9969% | 934 |
| Loan and lease loss provision to assets | -0.1117% | 7,046 |
| Net operating income to assets | 0.3703% | 5,369 |
| Return on assets (ROA) | 0.3703% | 5,569 |
| Pretax return on assets | 0.5651% | 5,264 |
| Return on Equity (ROE) | 3.2504% | 5,595 |
| Retained earnings to average equity (ytd only) | 3.2504% | 4,579 |
| Net charge-offs to loans | 0.0137% | 5,507 |
| Credit loss provision to net charge-offs | -1,166.6667% | 6,559 |
| Earnings coverage of net charge-offs (x) | 47.3325% | 783 |
| Efficiency ratio | 89.8135% | 1,054 |
| Assets per employee ($millions) | 3.8110% | 4,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6455% | 3,349 |
| Loan loss allowance to noncurrent loans | 135.7349% | 2,480 |
| Noncurrent assets plus other real estate owned to assets | 2.9770% | 1,757 |
| Noncurrent loans to loans | 1.2123% | 4,029 |
| Net loans and leases to total assets | 67.1549% | 2,430 |
| Net loans and leases to deposits | 76.2286% | 2,946 |
| Net loans and leases to core deposits | 77.3959% | 3,550 |
| Total domestic deposits to total assets | 88.0967% | 1,991 |
| Equity capital to assets | 11.4382% | 2,814 |
| Core capital (leverage) ratio | 11.4051% | 2,051 |
| Tier 1 risk-based capital ratio | 22.6785% | 1,225 |
| Total risk-based capital ratio | 23.9376% | 1,205 |
| Memoranda: | ||
| Average total assets | $41,764,250 | 6,515 |
| Average earning assets | $38,142,250 | 6,504 |
| Average equity | $4,758,250 | 6,442 |
| Average total loans | $29,162,000 | 6,063 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4762% | 3,867 |
| Cost of funding earning assets | 0.4717% | 5,818 |
| Net interest margin | 4.0044% | 2,486 |
| Noninterest income to average assets | 0.6233% | 3,112 |
| Noninterest expense to average assets | 3.9653% | 992 |
| Loan and lease loss provision to assets | -0.1678% | 7,140 |
| Net operating income to assets | 0.3117% | 5,579 |
| Return on assets (ROA) | 0.3117% | 5,785 |
| Pretax return on assets | 0.4891% | 5,473 |
| Return on Equity (ROE) | 2.7391% | 5,792 |
| Retained earnings to average equity (ytd only) | 2.7391% | 4,798 |
| Net charge-offs to loans | 0.0204% | 5,122 |
| Credit loss provision to net charge-offs | -1,166.6667% | 6,424 |
| Earnings coverage of net charge-offs (x) | 22.3333% | 1,303 |
| Efficiency ratio | 92.5056% | 895 |
| Assets per employee ($millions) | 3.8085% | 4,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6537% | 3,415 |
| Loan loss allowance to noncurrent loans | 198.7342% | 1,721 |
| Noncurrent assets plus other real estate owned to assets | 2.7164% | 2,027 |
| Noncurrent loans to loans | 0.8321% | 4,852 |
| Net loans and leases to total assets | 66.8632% | 2,492 |
| Net loans and leases to deposits | 75.8756% | 3,012 |
| Net loans and leases to core deposits | 77.0337% | 3,653 |
| Total domestic deposits to total assets | 88.1221% | 2,061 |
| Equity capital to assets | 11.3241% | 2,759 |
| Core capital (leverage) ratio | 11.2712% | 2,067 |
| Tier 1 risk-based capital ratio | 22.4201% | 1,215 |
| Total risk-based capital ratio | 23.6808% | 1,197 |
| Memoranda: | ||
| Average total assets | $41,712,000 | 6,562 |
| Average earning assets | $38,157,670 | 6,549 |
| Average equity | $4,746,000 | 6,465 |
| Average total loans | $29,341,670 | 6,097 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5328% | 3,785 |
| Cost of funding earning assets | 0.4920% | 5,865 |
| Net interest margin | 4.0408% | 2,329 |
| Noninterest income to average assets | 0.2787% | 5,638 |
| Noninterest expense to average assets | 3.8922% | 1,074 |
| Loan and lease loss provision to assets | -0.1442% | 7,197 |
| Net operating income to assets | 0.1538% | 6,111 |
| Return on assets (ROA) | 0.1538% | 6,241 |
| Pretax return on assets | 0.2403% | 6,108 |
| Return on Equity (ROE) | 1.3482% | 6,275 |
| Retained earnings to average equity (ytd only) | 1.3482% | 5,563 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5904% | 651 |
| Assets per employee ($millions) | 4.1787% | 3,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6508% | 3,535 |
| Loan loss allowance to noncurrent loans | 30.8030% | 6,132 |
| Noncurrent assets plus other real estate owned to assets | 4.1592% | 1,313 |
| Noncurrent loans to loans | 5.3592% | 1,009 |
| Net loans and leases to total assets | 70.0026% | 1,754 |
| Net loans and leases to deposits | 79.2329% | 2,309 |
| Net loans and leases to core deposits | 81.9751% | 2,843 |
| Total domestic deposits to total assets | 88.3504% | 2,097 |
| Equity capital to assets | 11.2379% | 2,685 |
| Core capital (leverage) ratio | 11.0431% | 2,225 |
| Tier 1 risk-based capital ratio | 21.1135% | 1,470 |
| Total risk-based capital ratio | 22.3579% | 1,440 |
| Memoranda: | ||
| Average total assets | $41,621,500 | 6,620 |
| Average earning assets | $38,210,000 | 6,595 |
| Average equity | $4,747,000 | 6,500 |
| Average total loans | $29,771,500 | 6,122 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0083% | 2,849 |
| Cost of funding earning assets | 0.5928% | 6,120 |
| Net interest margin | 4.4156% | 1,358 |
| Noninterest income to average assets | 0.2922% | 5,443 |
| Noninterest expense to average assets | 4.1734% | 838 |
| Loan and lease loss provision to assets | 1.0690% | 855 |
| Net operating income to assets | -0.5887% | 6,546 |
| Return on assets (ROA) | -0.5520% | 6,566 |
| Pretax return on assets | -0.8741% | 6,676 |
| Return on Equity (ROE) | -4.5372% | 6,506 |
| Retained earnings to average equity (ytd only) | -4.5372% | 6,414 |
| Net charge-offs to loans | 0.6273% | 2,581 |
| Credit loss provision to net charge-offs | 227.6596% | 1,064 |
| Earnings coverage of net charge-offs (x) | 0.2926% | 5,608 |
| Efficiency ratio | 96.3499% | 803 |
| Assets per employee ($millions) | 3.7687% | 4,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7081% | 3,168 |
| Loan loss allowance to noncurrent loans | 33.0519% | 6,003 |
| Noncurrent assets plus other real estate owned to assets | 4.0621% | 1,410 |
| Noncurrent loans to loans | 5.1678% | 1,071 |
| Net loans and leases to total assets | 70.6556% | 1,888 |
| Net loans and leases to deposits | 80.2955% | 2,469 |
| Net loans and leases to core deposits | 83.1045% | 3,006 |
| Total domestic deposits to total assets | 87.9945% | 2,158 |
| Equity capital to assets | 11.5737% | 2,452 |
| Core capital (leverage) ratio | 11.2012% | 2,115 |
| Tier 1 risk-based capital ratio | 19.9249% | 1,667 |
| Total risk-based capital ratio | 21.1769% | 1,634 |
| Memoranda: | ||
| Average total assets | $40,039,000 | 6,674 |
| Average earning assets | $36,439,400 | 6,659 |
| Average equity | $4,870,800 | 6,485 |
| Average total loans | $29,972,000 | 6,158 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1029% | 2,594 |
| Cost of funding earning assets | 0.6162% | 6,207 |
| Net interest margin | 4.4867% | 1,183 |
| Noninterest income to average assets | 0.2889% | 5,543 |
| Noninterest expense to average assets | 4.2198% | 780 |
| Loan and lease loss provision to assets | 1.4380% | 494 |
| Net operating income to assets | -0.8222% | 6,804 |
| Return on assets (ROA) | -0.7727% | 6,822 |
| Pretax return on assets | -1.2062% | 6,943 |
| Return on Equity (ROE) | -6.2724% | 6,735 |
| Retained earnings to average equity (ytd only) | -6.2724% | 6,662 |
| Net charge-offs to loans | 1.2749% | 1,217 |
| Credit loss provision to net charge-offs | 149.1289% | 2,108 |
| Earnings coverage of net charge-offs (x) | 0.1603% | 5,488 |
| Efficiency ratio | 96.0061% | 820 |
| Assets per employee ($millions) | 3.6185% | 4,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3667% | 4,701 |
| Loan loss allowance to noncurrent loans | 28.9753% | 6,315 |
| Noncurrent assets plus other real estate owned to assets | 3.9167% | 1,574 |
| Noncurrent loans to loans | 4.7168% | 1,364 |
| Net loans and leases to total assets | 74.3368% | 1,272 |
| Net loans and leases to deposits | 84.9673% | 1,839 |
| Net loans and leases to core deposits | 88.0809% | 2,477 |
| Total domestic deposits to total assets | 87.4887% | 2,359 |
| Equity capital to assets | 12.0315% | 2,224 |
| Core capital (leverage) ratio | 11.6463% | 1,921 |
| Tier 1 risk-based capital ratio | 19.7504% | 1,747 |
| Total risk-based capital ratio | 20.9982% | 1,720 |
| Memoranda: | ||
| Average total assets | $39,684,750 | 6,745 |
| Average earning assets | $36,135,250 | 6,729 |
| Average equity | $4,889,000 | 6,530 |
| Average total loans | $30,015,000 | 6,218 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1251% | 2,567 |
| Cost of funding earning assets | 0.6358% | 6,295 |
| Net interest margin | 4.4893% | 1,161 |
| Noninterest income to average assets | 0.2220% | 6,086 |
| Noninterest expense to average assets | 4.2225% | 812 |
| Loan and lease loss provision to assets | 2.0330% | 298 |
| Net operating income to assets | -1.2446% | 7,014 |
| Return on assets (ROA) | -1.1704% | 7,005 |
| Pretax return on assets | -1.8212% | 7,135 |
| Return on Equity (ROE) | -9.4264% | 6,918 |
| Retained earnings to average equity (ytd only) | -9.4264% | 6,854 |
| Net charge-offs to loans | 1.9853% | 682 |
| Credit loss provision to net charge-offs | 135.2349% | 2,253 |
| Earnings coverage of net charge-offs (x) | 0.0638% | 5,243 |
| Efficiency ratio | 97.3131% | 818 |
| Assets per employee ($millions) | 3.5365% | 4,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2345% | 5,396 |
| Loan loss allowance to noncurrent loans | 26.0446% | 6,472 |
| Noncurrent assets plus other real estate owned to assets | 3.6913% | 1,765 |
| Noncurrent loans to loans | 4.7399% | 1,390 |
| Net loans and leases to total assets | 76.9164% | 930 |
| Net loans and leases to deposits | 88.1407% | 1,477 |
| Net loans and leases to core deposits | 91.4487% | 2,205 |
| Total domestic deposits to total assets | 87.2654% | 2,590 |
| Equity capital to assets | 12.3079% | 1,899 |
| Core capital (leverage) ratio | 11.9474% | 1,629 |
| Tier 1 risk-based capital ratio | 19.8915% | 1,630 |
| Total risk-based capital ratio | 21.1403% | 1,603 |
| Memoranda: | ||
| Average total assets | $39,645,000 | 6,798 |
| Average earning assets | $36,174,670 | 6,791 |
| Average equity | $4,922,330 | 6,561 |
| Average total loans | $30,020,330 | 6,272 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0488% | 2,865 |
| Cost of funding earning assets | 0.6571% | 6,355 |
| Net interest margin | 4.3917% | 1,303 |
| Noninterest income to average assets | 0.3399% | 5,191 |
| Noninterest expense to average assets | 4.0683% | 958 |
| Loan and lease loss provision to assets | 1.3694% | 486 |
| Net operating income to assets | -0.7037% | 6,916 |
| Return on assets (ROA) | -0.5998% | 6,870 |
| Pretax return on assets | -0.9296% | 6,976 |
| Return on Equity (ROE) | -4.8101% | 6,801 |
| Retained earnings to average equity (ytd only) | -4.8101% | 6,504 |
| Net charge-offs to loans | 1.7535% | 750 |
| Credit loss provision to net charge-offs | 104.5802% | 2,546 |
| Earnings coverage of net charge-offs (x) | 0.2137% | 4,452 |
| Efficiency ratio | 93.1034% | 1,089 |
| Assets per employee ($millions) | 3.6285% | 4,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9201% | 6,649 |
| Loan loss allowance to noncurrent loans | 17.9621% | 6,836 |
| Noncurrent assets plus other real estate owned to assets | 3.8358% | 1,748 |
| Noncurrent loans to loans | 5.1223% | 1,311 |
| Net loans and leases to total assets | 74.1964% | 1,316 |
| Net loans and leases to deposits | 85.0073% | 1,876 |
| Net loans and leases to core deposits | 86.3734% | 2,822 |
| Total domestic deposits to total assets | 87.2823% | 2,777 |
| Equity capital to assets | 12.4270% | 1,665 |
| Core capital (leverage) ratio | 12.2159% | 1,453 |
| Tier 1 risk-based capital ratio | 21.0513% | 1,383 |
| Total risk-based capital ratio | 22.2439% | 1,373 |
| Memoranda: | ||
| Average total assets | $40,016,500 | 6,836 |
| Average earning assets | $36,523,500 | 6,827 |
| Average equity | $4,989,500 | 6,566 |
| Average total loans | $29,882,500 | 6,339 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3146% | 3,055 |
| Cost of funding earning assets | 0.8435% | 6,387 |
| Net interest margin | 4.4711% | 1,297 |
| Noninterest income to average assets | 0.9097% | 1,821 |
| Noninterest expense to average assets | 4.9296% | 442 |
| Loan and lease loss provision to assets | 1.1174% | 1,431 |
| Net operating income to assets | -0.7099% | 6,524 |
| Return on assets (ROA) | -0.7099% | 6,559 |
| Pretax return on assets | -1.0543% | 6,670 |
| Return on Equity (ROE) | -5.5512% | 6,473 |
| Retained earnings to average equity (ytd only) | -5.5512% | 6,347 |
| Net charge-offs to loans | 0.7230% | 2,849 |
| Credit loss provision to net charge-offs | 191.4414% | 1,681 |
| Earnings coverage of net charge-offs (x) | 0.1081% | 6,013 |
| Efficiency ratio | 98.3149% | 860 |
| Assets per employee ($millions) | 3.6473% | 4,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9004% | 6,722 |
| Loan loss allowance to noncurrent loans | 15.7957% | 6,958 |
| Noncurrent assets plus other real estate owned to assets | 4.2448% | 1,573 |
| Noncurrent loans to loans | 5.7002% | 1,125 |
| Net loans and leases to total assets | 73.7961% | 1,698 |
| Net loans and leases to deposits | 84.8849% | 2,303 |
| Net loans and leases to core deposits | 86.2424% | 3,288 |
| Total domestic deposits to total assets | 86.9367% | 2,860 |
| Equity capital to assets | 12.5100% | 1,628 |
| Core capital (leverage) ratio | 12.4366% | 1,335 |
| Tier 1 risk-based capital ratio | 21.8144% | 1,203 |
| Total risk-based capital ratio | 22.9939% | 1,187 |
| Memoranda: | ||
| Average total assets | $38,035,800 | 6,934 |
| Average earning assets | $34,734,200 | 6,925 |
| Average equity | $4,863,800 | 6,708 |
| Average total loans | $30,705,200 | 6,362 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4250% | 2,765 |
| Cost of funding earning assets | 0.8834% | 6,458 |
| Net interest margin | 4.5416% | 1,168 |
| Noninterest income to average assets | 0.9454% | 1,629 |
| Noninterest expense to average assets | 5.1072% | 349 |
| Loan and lease loss provision to assets | 1.3399% | 1,026 |
| Net operating income to assets | -0.8779% | 6,829 |
| Return on assets (ROA) | -0.8779% | 6,871 |
| Pretax return on assets | -1.3541% | 6,996 |
| Return on Equity (ROE) | -6.8255% | 6,781 |
| Retained earnings to average equity (ytd only) | -6.8255% | 6,704 |
| Net charge-offs to loans | 0.9144% | 2,165 |
| Credit loss provision to net charge-offs | 177.8302% | 2,069 |
| Earnings coverage of net charge-offs (x) | -0.0189% | 6,047 |
| Efficiency ratio | 99.8604% | 744 |
| Assets per employee ($millions) | 3.5181% | 4,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7628% | 7,075 |
| Loan loss allowance to noncurrent loans | 16.1765% | 7,041 |
| Noncurrent assets plus other real estate owned to assets | 3.6900% | 1,933 |
| Noncurrent loans to loans | 4.7154% | 1,509 |
| Net loans and leases to total assets | 77.6583% | 1,098 |
| Net loans and leases to deposits | 89.6730% | 1,765 |
| Net loans and leases to core deposits | 91.1609% | 2,929 |
| Total domestic deposits to total assets | 86.6017% | 2,756 |
| Equity capital to assets | 12.1657% | 2,047 |
| Core capital (leverage) ratio | 13.0663% | 1,204 |
| Tier 1 risk-based capital ratio | 22.4373% | 1,143 |
| Total risk-based capital ratio | 23.4514% | 1,147 |
| Memoranda: | ||
| Average total assets | $37,514,750 | 7,033 |
| Average earning assets | $34,260,250 | 7,020 |
| Average equity | $4,825,000 | 6,806 |
| Average total loans | $30,912,500 | 6,439 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4918% | 2,553 |
| Cost of funding earning assets | 0.8957% | 6,597 |
| Net interest margin | 4.5962% | 1,010 |
| Noninterest income to average assets | 0.8782% | 1,766 |
| Noninterest expense to average assets | 5.2694% | 312 |
| Loan and lease loss provision to assets | 2.0043% | 612 |
| Net operating income to assets | -1.4709% | 7,142 |
| Return on assets (ROA) | -1.4709% | 7,151 |
| Pretax return on assets | -2.1929% | 7,291 |
| Return on Equity (ROE) | -11.2253% | 7,012 |
| Retained earnings to average equity (ytd only) | -11.2253% | 6,966 |
| Net charge-offs to loans | 1.4138% | 1,348 |
| Credit loss provision to net charge-offs | 169.0909% | 2,318 |
| Earnings coverage of net charge-offs (x) | -0.1591% | 5,847 |
| Efficiency ratio | 103.2874% | 702 |
| Assets per employee ($millions) | 3.1383% | 5,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7071% | 7,232 |
| Loan loss allowance to noncurrent loans | 26.1078% | 6,608 |
| Noncurrent assets plus other real estate owned to assets | 2.2173% | 3,238 |
| Noncurrent loans to loans | 2.7082% | 2,945 |
| Net loans and leases to total assets | 81.2927% | 630 |
| Net loans and leases to deposits | 93.9224% | 1,285 |
| Net loans and leases to core deposits | 96.3038% | 2,410 |
| Total domestic deposits to total assets | 86.5530% | 2,791 |
| Equity capital to assets | 12.4326% | 1,839 |
| Core capital (leverage) ratio | 13.3398% | 1,103 |
| Tier 1 risk-based capital ratio | 22.7843% | 1,089 |
| Total risk-based capital ratio | 23.7611% | 1,103 |
| Memoranda: | ||
| Average total assets | $37,120,000 | 7,107 |
| Average earning assets | $33,941,330 | 7,084 |
| Average equity | $4,864,000 | 6,827 |
| Average total loans | $31,122,000 | 6,473 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6445% | 1,976 |
| Cost of funding earning assets | 0.9249% | 6,676 |
| Net interest margin | 4.7196% | 746 |
| Noninterest income to average assets | 0.9552% | 1,433 |
| Noninterest expense to average assets | 5.2537% | 305 |
| Loan and lease loss provision to assets | 0.0217% | 6,434 |
| Net operating income to assets | 0.0000% | 6,281 |
| Return on assets (ROA) | 0.0000% | 6,392 |
| Pretax return on assets | 0.0000% | 6,350 |
| Return on Equity (ROE) | 0.0000% | 6,399 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,816 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.1770% | 874 |
| Assets per employee ($millions) | 2.8201% | 6,593 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2178% | 7,804 |
| Loan loss allowance to noncurrent loans | 5.7774% | 7,379 |
| Noncurrent assets plus other real estate owned to assets | 3.2105% | 2,237 |
| Noncurrent loans to loans | 3.7703% | 2,103 |
| Net loans and leases to total assets | 84.9677% | 292 |
| Net loans and leases to deposits | 99.1880% | 812 |
| Net loans and leases to core deposits | 101.7941% | 1,930 |
| Total domestic deposits to total assets | 85.6632% | 3,339 |
| Equity capital to assets | 13.5157% | 1,320 |
| Core capital (leverage) ratio | 14.4180% | 874 |
| Tier 1 risk-based capital ratio | 24.4758% | 920 |
| Total risk-based capital ratio | 24.7864% | 983 |
| Memoranda: | ||
| Average total assets | $36,850,500 | 7,204 |
| Average earning assets | $33,732,000 | 7,173 |
| Average equity | $4,955,000 | 6,858 |
| Average total loans | $31,267,000 | 6,557 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8877% | 2,289 |
| Cost of funding earning assets | 1.4165% | 5,856 |
| Net interest margin | 4.4712% | 1,235 |
| Noninterest income to average assets | 1.0078% | 1,544 |
| Noninterest expense to average assets | 5.0574% | 498 |
| Loan and lease loss provision to assets | 0.0239% | 7,269 |
| Net operating income to assets | 0.0151% | 5,444 |
| Return on assets (ROA) | 0.0371% | 5,425 |
| Pretax return on assets | 0.0796% | 5,260 |
| Return on Equity (ROE) | 0.2929% | 5,444 |
| Retained earnings to average equity (ytd only) | 0.2929% | 4,745 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.3963% | 1,188 |
| Assets per employee ($millions) | 2.8492% | 6,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2108% | 7,880 |
| Loan loss allowance to noncurrent loans | 8.1582% | 7,392 |
| Noncurrent assets plus other real estate owned to assets | 2.1841% | 3,152 |
| Noncurrent loans to loans | 2.5833% | 2,975 |
| Net loans and leases to total assets | 84.3683% | 401 |
| Net loans and leases to deposits | 98.2272% | 1,078 |
| Net loans and leases to core deposits | 119.5029% | 1,986 |
| Total domestic deposits to total assets | 85.8909% | 3,064 |
| Equity capital to assets | 13.3774% | 1,368 |
| Core capital (leverage) ratio | 14.4762% | 887 |
| Tier 1 risk-based capital ratio | 24.8528% | 858 |
| Total risk-based capital ratio | 25.1587% | 936 |
| Memoranda: | ||
| Average total assets | $37,706,800 | 7,179 |
| Average earning assets | $34,733,600 | 7,149 |
| Average equity | $4,779,400 | 7,031 |
| Average total loans | $31,608,000 | 6,547 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9060% | 2,427 |
| Cost of funding earning assets | 1.5080% | 5,784 |
| Net interest margin | 4.3980% | 1,443 |
| Noninterest income to average assets | 1.0632% | 1,404 |
| Noninterest expense to average assets | 5.0412% | 468 |
| Loan and lease loss provision to assets | 0.0246% | 7,108 |
| Net operating income to assets | 0.0511% | 5,606 |
| Return on assets (ROA) | 0.0951% | 5,532 |
| Pretax return on assets | 0.0986% | 5,528 |
| Return on Equity (ROE) | 0.7602% | 5,563 |
| Retained earnings to average equity (ytd only) | 0.7602% | 4,859 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.2806% | 1,150 |
| Assets per employee ($millions) | 2.9997% | 6,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2024% | 7,976 |
| Loan loss allowance to noncurrent loans | 5.1738% | 7,506 |
| Noncurrent assets plus other real estate owned to assets | 3.1721% | 2,141 |
| Noncurrent loans to loans | 3.9115% | 1,883 |
| Net loans and leases to total assets | 80.9339% | 994 |
| Net loans and leases to deposits | 100.0254% | 1,101 |
| Net loans and leases to core deposits | 116.4312% | 2,578 |
| Total domestic deposits to total assets | 80.9134% | 5,114 |
| Equity capital to assets | 12.1859% | 2,131 |
| Core capital (leverage) ratio | 13.6661% | 1,178 |
| Tier 1 risk-based capital ratio | 23.7579% | 1,025 |
| Total risk-based capital ratio | 24.0436% | 1,102 |
| Memoranda: | ||
| Average total assets | $37,873,500 | 7,239 |
| Average earning assets | $34,924,250 | 7,209 |
| Average equity | $4,735,500 | 7,098 |
| Average total loans | $31,681,000 | 6,583 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9936% | 2,206 |
| Cost of funding earning assets | 1.6141% | 5,691 |
| Net interest margin | 4.3795% | 1,449 |
| Noninterest income to average assets | 1.1254% | 1,246 |
| Noninterest expense to average assets | 5.1308% | 471 |
| Loan and lease loss provision to assets | 0.0267% | 6,976 |
| Net operating income to assets | 0.0049% | 5,824 |
| Return on assets (ROA) | 0.0693% | 5,744 |
| Pretax return on assets | 0.0747% | 5,732 |
| Return on Equity (ROE) | 0.5497% | 5,771 |
| Retained earnings to average equity (ytd only) | 0.5497% | 4,979 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.1736% | 1,212 |
| Assets per employee ($millions) | 2.8665% | 6,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1944% | 8,069 |
| Loan loss allowance to noncurrent loans | 4.5322% | 7,544 |
| Noncurrent assets plus other real estate owned to assets | 3.6710% | 1,680 |
| Noncurrent loans to loans | 4.2883% | 1,531 |
| Net loans and leases to total assets | 85.4394% | 446 |
| Net loans and leases to deposits | 107.4154% | 685 |
| Net loans and leases to core deposits | 119.4530% | 2,417 |
| Total domestic deposits to total assets | 79.5411% | 5,624 |
| Equity capital to assets | 12.7143% | 1,828 |
| Core capital (leverage) ratio | 14.2872% | 1,072 |
| Tier 1 risk-based capital ratio | 25.1454% | 928 |
| Total risk-based capital ratio | 25.4386% | 995 |
| Memoranda: | ||
| Average total assets | $37,499,330 | 7,313 |
| Average earning assets | $34,570,330 | 7,289 |
| Average equity | $4,730,000 | 7,162 |
| Average total loans | $31,699,670 | 6,630 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1636% | 1,717 |
| Cost of funding earning assets | 1.7281% | 5,480 |
| Net interest margin | 4.4355% | 1,265 |
| Noninterest income to average assets | 0.9464% | 1,662 |
| Noninterest expense to average assets | 5.1360% | 437 |
| Loan and lease loss provision to assets | 0.0213% | 6,632 |
| Net operating income to assets | -0.1170% | 6,440 |
| Return on assets (ROA) | 0.0213% | 6,361 |
| Pretax return on assets | 0.0213% | 6,340 |
| Return on Equity (ROE) | 0.1693% | 6,368 |
| Retained earnings to average equity (ytd only) | 0.1693% | 5,588 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.6878% | 1,062 |
| Assets per employee ($millions) | 3.1272% | 5,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1906% | 8,116 |
| Loan loss allowance to noncurrent loans | 3.9651% | 7,559 |
| Noncurrent assets plus other real estate owned to assets | 3.9653% | 1,301 |
| Noncurrent loans to loans | 4.8062% | 1,152 |
| Net loans and leases to total assets | 82.3456% | 960 |
| Net loans and leases to deposits | 107.2021% | 774 |
| Net loans and leases to core deposits | 118.5127% | 2,547 |
| Total domestic deposits to total assets | 76.8134% | 6,332 |
| Equity capital to assets | 12.5966% | 1,928 |
| Core capital (leverage) ratio | 14.0855% | 1,173 |
| Tier 1 risk-based capital ratio | 25.2436% | 961 |
| Total risk-based capital ratio | 25.5228% | 1,027 |
| Memoranda: | ||
| Average total assets | $37,616,500 | 7,347 |
| Average earning assets | $34,720,000 | 7,318 |
| Average equity | $4,726,000 | 7,215 |
| Average total loans | $31,599,000 | 6,675 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0268% | 5,425 |
| Cost of funding earning assets | 2.1259% | 5,945 |
| Net interest margin | 3.9009% | 3,561 |
| Noninterest income to average assets | 0.9685% | 1,694 |
| Noninterest expense to average assets | 5.0626% | 601 |
| Loan and lease loss provision to assets | 0.0133% | 7,201 |
| Net operating income to assets | -0.2731% | 6,709 |
| Return on assets (ROA) | -0.2680% | 6,546 |
| Pretax return on assets | -0.4723% | 6,633 |
| Return on Equity (ROE) | -1.9114% | 6,488 |
| Retained earnings to average equity (ytd only) | -1.9114% | 5,847 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.4111% | 721 |
| Assets per employee ($millions) | 3.1423% | 5,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1768% | 8,178 |
| Loan loss allowance to noncurrent loans | 7.4510% | 7,531 |
| Noncurrent assets plus other real estate owned to assets | 2.0288% | 2,426 |
| Noncurrent loans to loans | 2.3730% | 2,320 |
| Net loans and leases to total assets | 85.3449% | 678 |
| Net loans and leases to deposits | 113.6255% | 632 |
| Net loans and leases to core deposits | 125.1789% | 2,235 |
| Total domestic deposits to total assets | 75.1107% | 6,427 |
| Equity capital to assets | 12.5308% | 1,996 |
| Core capital (leverage) ratio | 13.9955% | 1,253 |
| Tier 1 risk-based capital ratio | 25.0528% | 980 |
| Total risk-based capital ratio | 25.3206% | 1,057 |
| Memoranda: | ||
| Average total assets | $37,688,200 | 7,321 |
| Average earning assets | $35,043,600 | 7,282 |
| Average equity | $5,284,200 | 7,051 |
| Average total loans | $31,930,400 | 6,609 |