Home > Sainte Marie State Bank > Performance and Condition Ratios
Sainte Marie State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8617% | 2,357 |
| Cost of funding earning assets | 0.8934% | 3,530 |
| Net interest margin | 3.9683% | 1,254 |
| Noninterest income to average assets | 0.2300% | 3,570 |
| Noninterest expense to average assets | 3.2918% | 747 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.5408% | 3,587 |
| Return on assets (ROA) | 0.5408% | 3,574 |
| Pretax return on assets | 0.5408% | 3,741 |
| Return on Equity (ROE) | 2.6100% | 4,084 |
| Retained earnings to average equity (ytd only) | 2.6108% | 3,407 |
| 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 | 85.8907% | 571 |
| Assets per employee ($millions) | 4.8363% | 3,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7930% | 542 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 39.6400% | 4,049 |
| Net loans and leases to deposits | 50.7770% | 3,923 |
| Net loans and leases to core deposits | 53.2057% | 3,997 |
| Total domestic deposits to total assets | 78.0600% | 3,719 |
| Equity capital to assets | 21.5590% | 253 |
| Core capital (leverage) ratio | 21.4716% | 219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.1154% | 139 |
| Memoranda: | ||
| Average total assets | $14,794,200 | 4,544 |
| Average earning assets | $13,431,600 | 4,508 |
| Average equity | $3,064,200 | 4,423 |
| Average total loans | $5,782,200 | 4,456 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4058% | 3,089 |
| Cost of funding earning assets | 0.8477% | 3,407 |
| Net interest margin | 3.5582% | 2,093 |
| Noninterest income to average assets | 0.1200% | 4,221 |
| Noninterest expense to average assets | 2.9508% | 1,138 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.4036% | 3,962 |
| Return on assets (ROA) | 0.4036% | 3,952 |
| Pretax return on assets | 0.4036% | 4,057 |
| Return on Equity (ROE) | 1.9700% | 4,199 |
| Retained earnings to average equity (ytd only) | 1.9683% | 3,732 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 87.9679% | 442 |
| Assets per employee ($millions) | 4.7843% | 3,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8519% | 519 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 38.7700% | 4,105 |
| Net loans and leases to deposits | 49.4359% | 3,959 |
| Net loans and leases to core deposits | 51.7819% | 3,987 |
| Total domestic deposits to total assets | 78.4300% | 3,769 |
| Equity capital to assets | 21.4171% | 251 |
| Core capital (leverage) ratio | 21.5367% | 219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.7965% | 135 |
| Memoranda: | ||
| Average total assets | $14,865,500 | 4,569 |
| Average earning assets | $13,527,250 | 4,535 |
| Average equity | $3,048,250 | 4,440 |
| Average total loans | $5,763,750 | 4,482 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1807% | 3,338 |
| Cost of funding earning assets | 0.7866% | 3,247 |
| Net interest margin | 3.3941% | 2,535 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 2.8597% | 1,308 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4389% | 3,930 |
| Return on assets (ROA) | 0.4389% | 3,936 |
| Pretax return on assets | 0.4389% | 4,061 |
| Return on Equity (ROE) | 2.1700% | 4,249 |
| Retained earnings to average equity (ytd only) | 2.1713% | 3,680 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 86.6935% | 468 |
| Assets per employee ($millions) | 4.8850% | 3,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8147% | 588 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 38.7600% | 4,083 |
| Net loans and leases to deposits | 49.0757% | 3,951 |
| Net loans and leases to core deposits | 51.3235% | 3,974 |
| Total domestic deposits to total assets | 78.9900% | 3,719 |
| Equity capital to assets | 20.8598% | 258 |
| Core capital (leverage) ratio | 20.5896% | 238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.9452% | 112 |
| Memoranda: | ||
| Average total assets | $15,036,333 | 4,596 |
| Average earning assets | $13,729,667 | 4,563 |
| Average equity | $3,039,667 | 4,471 |
| Average total loans | $5,795,000 | 4,512 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8789% | 3,716 |
| Cost of funding earning assets | 0.6321% | 3,285 |
| Net interest margin | 3.2468% | 3,005 |
| Noninterest income to average assets | 0.5300% | 1,720 |
| Noninterest expense to average assets | 2.7583% | 1,533 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7355% | 3,382 |
| Return on assets (ROA) | 0.7355% | 3,340 |
| Pretax return on assets | 0.7355% | 3,596 |
| Return on Equity (ROE) | 3.7000% | 4,087 |
| Retained earnings to average equity (ytd only) | 3.6952% | 3,351 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 78.9474% | 909 |
| Assets per employee ($millions) | 5.1337% | 3,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8555% | 592 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 36.0600% | 4,190 |
| Net loans and leases to deposits | 45.0848% | 4,065 |
| Net loans and leases to core deposits | 45.0848% | 4,142 |
| Total domestic deposits to total assets | 79.9900% | 3,761 |
| Equity capital to assets | 19.8688% | 237 |
| Core capital (leverage) ratio | 19.9248% | 266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.5359% | 115 |
| Memoranda: | ||
| Average total assets | $15,227,000 | 4,656 |
| Average earning assets | $13,921,500 | 4,631 |
| Average equity | $3,031,000 | 4,533 |
| Average total loans | $5,799,500 | 4,580 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7730% | 4,350 |
| Cost of funding earning assets | 0.5516% | 1,103 |
| Net interest margin | 2.2214% | 4,468 |
| Noninterest income to average assets | 0.0300% | 4,621 |
| Noninterest expense to average assets | 3.1543% | 772 |
| Loan and lease loss provision to assets | -1.3900% | 4,707 |
| Net operating income to assets | 0.1687% | 4,467 |
| Return on assets (ROA) | 0.0065% | 4,544 |
| Pretax return on assets | 0.0065% | 4,540 |
| Return on Equity (ROE) | 0.0300% | 4,543 |
| Retained earnings to average equity (ytd only) | 0.0341% | 4,333 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 163.0872% | 31 |
| Assets per employee ($millions) | 5.0177% | 3,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7677% | 702 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 38.7600% | 4,111 |
| Net loans and leases to deposits | 48.5199% | 3,957 |
| Net loans and leases to core deposits | 48.5199% | 4,040 |
| Total domestic deposits to total assets | 79.8900% | 3,891 |
| Equity capital to assets | 19.9429% | 231 |
| Core capital (leverage) ratio | 20.3172% | 242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.5224% | 114 |
| Memoranda: | ||
| Average total assets | $15,407,600 | 4,692 |
| Average earning assets | $13,234,600 | 4,666 |
| Average equity | $2,933,800 | 4,616 |
| Average total loans | $6,704,800 | 4,603 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4885% | 4,452 |
| Cost of funding earning assets | 0.5688% | 522 |
| Net interest margin | 1.9197% | 4,576 |
| Noninterest income to average assets | -0.2300% | 4,739 |
| Noninterest expense to average assets | 3.2179% | 674 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | -1.8241% | 4,727 |
| Return on assets (ROA) | -2.0478% | 4,731 |
| Pretax return on assets | -2.0478% | 4,723 |
| Return on Equity (ROE) | -10.8800% | 4,703 |
| Retained earnings to average equity (ytd only) | -10.8794% | 4,683 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 230.8642% | 20 |
| Assets per employee ($millions) | 5.0153% | 3,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4409% | 33 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 36.8500% | 4,191 |
| Net loans and leases to deposits | 45.2608% | 4,056 |
| Net loans and leases to core deposits | 45.2608% | 4,139 |
| Total domestic deposits to total assets | 81.4100% | 3,915 |
| Equity capital to assets | 18.2972% | 259 |
| Core capital (leverage) ratio | 18.3566% | 302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.2383% | 179 |
| Memoranda: | ||
| Average total assets | $15,496,250 | 4,726 |
| Average earning assets | $13,126,500 | 4,702 |
| Average equity | $2,916,750 | 4,659 |
| Average total loans | $6,896,000 | 4,637 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4381% | 4,431 |
| Cost of funding earning assets | 0.5746% | 337 |
| Net interest margin | 1.8635% | 4,607 |
| Noninterest income to average assets | -0.0256% | 4,752 |
| Noninterest expense to average assets | 3.3235% | 531 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -1.8151% | 4,733 |
| Return on assets (ROA) | -2.0452% | 4,731 |
| Pretax return on assets | -2.0452% | 4,728 |
| Return on Equity (ROE) | -10.7696% | 4,728 |
| Retained earnings to average equity (ytd only) | -10.7696% | 4,674 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 220.3390% | 20 |
| Assets per employee ($millions) | 5.2067% | 3,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3452% | 35 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 36.1652% | 4,240 |
| Net loans and leases to deposits | 44.3929% | 4,096 |
| Net loans and leases to core deposits | 45.6153% | 4,135 |
| Total domestic deposits to total assets | 81.4661% | 4,074 |
| Equity capital to assets | 18.2907% | 214 |
| Core capital (leverage) ratio | 18.1762% | 269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.8712% | 163 |
| Memoranda: | ||
| Average total assets | $15,646,333 | 4,758 |
| Average earning assets | $12,879,000 | 4,748 |
| Average equity | $2,971,333 | 4,690 |
| Average total loans | $7,240,333 | 4,697 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4723% | 4,303 |
| Cost of funding earning assets | 0.6181% | 233 |
| Net interest margin | 1.8543% | 4,598 |
| Noninterest income to average assets | 0.4598% | 2,358 |
| Noninterest expense to average assets | 3.3718% | 482 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -1.4560% | 4,752 |
| Return on assets (ROA) | -1.7114% | 4,756 |
| Pretax return on assets | -1.7114% | 4,753 |
| Return on Equity (ROE) | -8.8493% | 4,736 |
| Retained earnings to average equity (ytd only) | -8.8493% | 4,543 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 176.0000% | 29 |
| Assets per employee ($millions) | 4.0025% | 4,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5617% | 50 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 41.6864% | 3,899 |
| Net loans and leases to deposits | 51.3148% | 3,625 |
| Net loans and leases to core deposits | 52.7380% | 3,686 |
| Total domestic deposits to total assets | 81.2367% | 4,177 |
| Equity capital to assets | 18.6134% | 205 |
| Core capital (leverage) ratio | 18.5526% | 224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.3077% | 219 |
| Memoranda: | ||
| Average total assets | $15,659,500 | 4,786 |
| Average earning assets | $12,296,000 | 4,776 |
| Average equity | $3,028,500 | 4,714 |
| Average total loans | $7,876,500 | 4,713 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1544% | 3,574 |
| Cost of funding earning assets | 0.6611% | 395 |
| Net interest margin | 2.4932% | 4,201 |
| Noninterest income to average assets | -0.0741% | 4,831 |
| Noninterest expense to average assets | 4.6101% | 204 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | -2.7525% | 4,822 |
| Return on assets (ROA) | -2.7772% | 4,822 |
| Pretax return on assets | -2.7772% | 4,817 |
| Return on Equity (ROE) | -13.6083% | 4,818 |
| Retained earnings to average equity (ytd only) | -13.6083% | 4,792 |
| Net charge-offs to loans | -0.0202% | 3,985 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 248.1728% | 16 |
| Assets per employee ($millions) | 3.8273% | 4,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6301% | 89 |
| Loan loss allowance to noncurrent loans | 196.2963% | 2,614 |
| Noncurrent assets plus other real estate owned to assets | 1.0582% | 504 |
| Noncurrent loans to loans | 1.8493% | 444 |
| Net loans and leases to total assets | 55.1440% | 2,716 |
| Net loans and leases to deposits | 69.0948% | 2,216 |
| Net loans and leases to core deposits | 71.1385% | 2,342 |
| Total domestic deposits to total assets | 79.8093% | 4,240 |
| Equity capital to assets | 20.0993% | 178 |
| Core capital (leverage) ratio | 18.7626% | 215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6271% | 327 |
| Memoranda: | ||
| Average total assets | $16,203,600 | 4,824 |
| Average earning assets | $12,554,000 | 4,819 |
| Average equity | $3,306,800 | 4,754 |
| Average total loans | $9,882,200 | 4,729 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1490% | 3,703 |
| Cost of funding earning assets | 0.6569% | 484 |
| Net interest margin | 2.4921% | 4,288 |
| Noninterest income to average assets | -0.1217% | 4,907 |
| Noninterest expense to average assets | 4.3991% | 226 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | -2.5810% | 4,893 |
| Return on assets (ROA) | -2.6054% | 4,893 |
| Pretax return on assets | -2.6054% | 4,891 |
| Return on Equity (ROE) | -12.7217% | 4,889 |
| Retained earnings to average equity (ytd only) | -12.7217% | 4,862 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 241.9643% | 17 |
| Assets per employee ($millions) | 4.0425% | 4,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3309% | 118 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 56.7161% | 2,647 |
| Net loans and leases to deposits | 71.1592% | 2,131 |
| Net loans and leases to core deposits | 73.1456% | 2,309 |
| Total domestic deposits to total assets | 79.7032% | 4,269 |
| Equity capital to assets | 19.8763% | 199 |
| Core capital (leverage) ratio | 19.3997% | 206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.1604% | 331 |
| Memoranda: | ||
| Average total assets | $16,427,250 | 4,896 |
| Average earning assets | $12,787,000 | 4,893 |
| Average equity | $3,364,250 | 4,820 |
| Average total loans | $10,162,750 | 4,797 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1232% | 3,816 |
| Cost of funding earning assets | 0.6462% | 588 |
| Net interest margin | 2.4770% | 4,334 |
| Noninterest income to average assets | -0.0848% | 4,937 |
| Noninterest expense to average assets | 4.8568% | 185 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -2.9916% | 4,932 |
| Return on assets (ROA) | -3.0158% | 4,933 |
| Pretax return on assets | -3.0158% | 4,930 |
| Return on Equity (ROE) | -14.5856% | 4,928 |
| Retained earnings to average equity (ytd only) | -14.5856% | 4,903 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 260.3896% | 14 |
| Assets per employee ($millions) | 4.0215% | 4,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2026% | 126 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 59.3746% | 2,499 |
| Net loans and leases to deposits | 74.8922% | 1,920 |
| Net loans and leases to core deposits | 77.0056% | 2,136 |
| Total domestic deposits to total assets | 79.2801% | 4,314 |
| Equity capital to assets | 20.4153% | 174 |
| Core capital (leverage) ratio | 19.4336% | 198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.8512% | 306 |
| Memoranda: | ||
| Average total assets | $16,513,000 | 4,932 |
| Average earning assets | $12,999,667 | 4,927 |
| Average equity | $3,414,333 | 4,852 |
| Average total loans | $10,388,000 | 4,832 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0984% | 3,885 |
| Cost of funding earning assets | 0.6852% | 577 |
| Net interest margin | 2.4131% | 4,403 |
| Noninterest income to average assets | -0.4305% | 4,972 |
| Noninterest expense to average assets | 4.0415% | 276 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -2.5349% | 4,957 |
| Return on assets (ROA) | -2.5827% | 4,957 |
| Pretax return on assets | -2.5827% | 4,956 |
| Return on Equity (ROE) | -12.4156% | 4,947 |
| Retained earnings to average equity (ytd only) | -12.4156% | 4,854 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 268.2540% | 12 |
| Assets per employee ($millions) | 4.2100% | 4,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1468% | 132 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 57.7553% | 2,823 |
| Net loans and leases to deposits | 73.3429% | 2,178 |
| Net loans and leases to core deposits | 75.3194% | 2,404 |
| Total domestic deposits to total assets | 78.7470% | 4,359 |
| Equity capital to assets | 20.3325% | 175 |
| Core capital (leverage) ratio | 19.5218% | 206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.1825% | 290 |
| Memoranda: | ||
| Average total assets | $16,726,500 | 4,957 |
| Average earning assets | $13,426,500 | 4,954 |
| Average equity | $3,479,500 | 4,871 |
| Average total loans | $10,648,500 | 4,853 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3104% | 4,315 |
| Cost of funding earning assets | 0.7982% | 1,220 |
| Net interest margin | 2.5123% | 4,575 |
| Noninterest income to average assets | 0.2602% | 3,922 |
| Noninterest expense to average assets | 5.1438% | 178 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | -2.5598% | 4,969 |
| Return on assets (ROA) | -2.6809% | 4,972 |
| Pretax return on assets | -2.6809% | 4,974 |
| Return on Equity (ROE) | -11.6524% | 4,954 |
| Retained earnings to average equity (ytd only) | -11.6524% | 4,926 |
| Net charge-offs to loans | -0.2208% | 4,905 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 199.0632% | 21 |
| Assets per employee ($millions) | 4.1533% | 4,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8076% | 182 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 65.8460% | 2,116 |
| Net loans and leases to deposits | 84.6410% | 1,395 |
| Net loans and leases to core deposits | 86.9831% | 1,795 |
| Total domestic deposits to total assets | 77.7945% | 4,338 |
| Equity capital to assets | 21.2785% | 154 |
| Core capital (leverage) ratio | 20.5567% | 169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2738% | 375 |
| Memoranda: | ||
| Average total assets | $16,524,600 | 4,977 |
| Average earning assets | $15,285,000 | 4,966 |
| Average equity | $3,801,800 | 4,854 |
| Average total loans | $12,679,200 | 4,847 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3652% | 4,395 |
| Cost of funding earning assets | 0.8153% | 1,417 |
| Net interest margin | 2.5499% | 4,617 |
| Noninterest income to average assets | 0.3151% | 3,604 |
| Noninterest expense to average assets | 4.2498% | 308 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | -1.5593% | 4,977 |
| Return on assets (ROA) | -1.7290% | 4,982 |
| Pretax return on assets | -1.7290% | 4,978 |
| Return on Equity (ROE) | -7.3756% | 4,942 |
| Retained earnings to average equity (ytd only) | -7.3756% | 4,893 |
| Net charge-offs to loans | -0.2864% | 4,947 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 157.9580% | 34 |
| Assets per employee ($millions) | 4.1055% | 4,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6446% | 199 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 70.8379% | 1,843 |
| Net loans and leases to deposits | 92.1645% | 1,058 |
| Net loans and leases to core deposits | 94.7699% | 1,568 |
| Total domestic deposits to total assets | 76.8603% | 4,343 |
| Equity capital to assets | 22.9327% | 127 |
| Core capital (leverage) ratio | 22.5503% | 129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.2037% | 326 |
| Memoranda: | ||
| Average total assets | $16,502,500 | 5,007 |
| Average earning assets | $15,372,500 | 4,995 |
| Average equity | $3,868,500 | 4,877 |
| Average total loans | $13,035,250 | 4,872 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4066% | 4,533 |
| Cost of funding earning assets | 0.8324% | 1,666 |
| Net interest margin | 2.5742% | 4,678 |
| Noninterest income to average assets | 0.0363% | 4,942 |
| Noninterest expense to average assets | 3.9808% | 413 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -1.5125% | 5,001 |
| Return on assets (ROA) | -1.7545% | 5,010 |
| Pretax return on assets | -1.7545% | 4,999 |
| Return on Equity (ROE) | -7.4308% | 4,962 |
| Retained earnings to average equity (ytd only) | -7.4308% | 4,860 |
| Net charge-offs to loans | -0.4180% | 4,991 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 161.2745% | 36 |
| Assets per employee ($millions) | 4.0848% | 4,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4390% | 240 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 77.3609% | 944 |
| Net loans and leases to deposits | 101.4039% | 471 |
| Net loans and leases to core deposits | 104.3076% | 981 |
| Total domestic deposits to total assets | 76.2899% | 4,398 |
| Equity capital to assets | 23.4837% | 117 |
| Core capital (leverage) ratio | 22.9420% | 126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.8298% | 337 |
| Memoranda: | ||
| Average total assets | $16,529,333 | 5,036 |
| Average earning assets | $15,616,667 | 5,023 |
| Average equity | $3,902,667 | 4,904 |
| Average total loans | $13,397,333 | 4,896 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4586% | 4,676 |
| Cost of funding earning assets | 0.8646% | 2,033 |
| Net interest margin | 2.5939% | 4,758 |
| Noninterest income to average assets | 0.0241% | 5,012 |
| Noninterest expense to average assets | 3.6573% | 743 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -1.1790% | 5,007 |
| Return on assets (ROA) | -1.1790% | 4,989 |
| Pretax return on assets | -1.1790% | 4,971 |
| Return on Equity (ROE) | -4.9803% | 4,921 |
| Retained earnings to average equity (ytd only) | -4.9803% | 4,519 |
| Net charge-offs to loans | -0.8224% | 5,048 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 147.5728% | 61 |
| Assets per employee ($millions) | 4.1380% | 3,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3496% | 306 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 79.3439% | 775 |
| Net loans and leases to deposits | 104.1145% | 363 |
| Net loans and leases to core deposits | 107.0421% | 996 |
| Total domestic deposits to total assets | 76.2083% | 4,462 |
| Equity capital to assets | 23.6346% | 133 |
| Core capital (leverage) ratio | 22.9196% | 152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.0033% | 360 |
| Memoranda: | ||
| Average total assets | $16,624,500 | 5,087 |
| Average earning assets | $15,729,000 | 5,071 |
| Average equity | $3,935,500 | 4,948 |
| Average total loans | $13,618,000 | 4,931 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4745% | 4,871 |
| Cost of funding earning assets | 0.8804% | 2,283 |
| Net interest margin | 2.5940% | 4,910 |
| Noninterest income to average assets | 0.0277% | 5,086 |
| Noninterest expense to average assets | 3.0070% | 1,995 |
| Loan and lease loss provision to assets | 0.2215% | 877 |
| Net operating income to assets | -0.7698% | 5,077 |
| Return on assets (ROA) | -0.7698% | 5,083 |
| Pretax return on assets | -0.7698% | 5,079 |
| Return on Equity (ROE) | -3.4693% | 5,056 |
| Retained earnings to average equity (ytd only) | -3.4693% | 4,928 |
| Net charge-offs to loans | 1.4892% | 96 |
| Credit loss provision to net charge-offs | 18.8679% | 3,319 |
| Earnings coverage of net charge-offs (x) | -0.4670% | 3,643 |
| Efficiency ratio | 122.2973% | 72 |
| Assets per employee ($millions) | 4.1743% | 3,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0889% | 397 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 80.8469% | 689 |
| Net loans and leases to deposits | 106.4338% | 286 |
| Net loans and leases to core deposits | 109.4100% | 887 |
| Total domestic deposits to total assets | 75.9598% | 4,603 |
| Equity capital to assets | 23.7108% | 141 |
| Core capital (leverage) ratio | 23.1125% | 155 |
| Tier 1 risk-based capital ratio | 25.4413% | 722 |
| Total risk-based capital ratio | 26.6976% | 701 |
| Memoranda: | ||
| Average total assets | $18,057,600 | 5,131 |
| Average earning assets | $16,923,400 | 5,118 |
| Average equity | $4,006,600 | 4,990 |
| Average total loans | $14,235,400 | 4,980 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4975% | 4,962 |
| Cost of funding earning assets | 0.9171% | 2,149 |
| Net interest margin | 2.5804% | 5,015 |
| Noninterest income to average assets | 0.0217% | 5,167 |
| Noninterest expense to average assets | 2.9423% | 2,119 |
| Loan and lease loss provision to assets | 0.3624% | 363 |
| Net operating income to assets | -0.8769% | 5,168 |
| Return on assets (ROA) | -0.8769% | 5,171 |
| Pretax return on assets | -0.8769% | 5,166 |
| Return on Equity (ROE) | -4.0147% | 5,146 |
| Retained earnings to average equity (ytd only) | -4.0147% | 5,026 |
| Net charge-offs to loans | 2.0630% | 56 |
| Credit loss provision to net charge-offs | 22.5225% | 2,957 |
| Earnings coverage of net charge-offs (x) | -0.3198% | 3,386 |
| Efficiency ratio | 121.1940% | 79 |
| Assets per employee ($millions) | 4.2808% | 3,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0645% | 411 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 79.7874% | 876 |
| Net loans and leases to deposits | 104.2026% | 401 |
| Net loans and leases to core deposits | 107.0019% | 1,110 |
| Total domestic deposits to total assets | 76.5695% | 4,580 |
| Equity capital to assets | 23.2319% | 155 |
| Core capital (leverage) ratio | 22.3997% | 167 |
| Tier 1 risk-based capital ratio | 25.4211% | 746 |
| Total risk-based capital ratio | 26.6765% | 732 |
| Memoranda: | ||
| Average total assets | $18,397,750 | 5,208 |
| Average earning assets | $17,154,750 | 5,195 |
| Average equity | $4,018,500 | 5,063 |
| Average total loans | $14,347,500 | 5,055 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5050% | 5,004 |
| Cost of funding earning assets | 0.9476% | 1,927 |
| Net interest margin | 2.5574% | 5,100 |
| Noninterest income to average assets | 0.0213% | 5,213 |
| Noninterest expense to average assets | 2.7733% | 2,682 |
| Loan and lease loss provision to assets | 0.5313% | 214 |
| Net operating income to assets | -0.9032% | 5,219 |
| Return on assets (ROA) | -0.9032% | 5,223 |
| Pretax return on assets | -0.9032% | 5,219 |
| Return on Equity (ROE) | -4.2163% | 5,199 |
| Retained earnings to average equity (ytd only) | -4.2163% | 5,029 |
| Net charge-offs to loans | 3.0663% | 37 |
| Credit loss provision to net charge-offs | 22.5225% | 2,638 |
| Earnings coverage of net charge-offs (x) | -0.1577% | 3,107 |
| Efficiency ratio | 115.4867% | 82 |
| Assets per employee ($millions) | 4.5128% | 3,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0110% | 471 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 77.7408% | 1,267 |
| Net loans and leases to deposits | 100.2572% | 654 |
| Net loans and leases to core deposits | 102.7757% | 1,492 |
| Total domestic deposits to total assets | 77.5414% | 4,475 |
| Equity capital to assets | 22.2093% | 173 |
| Core capital (leverage) ratio | 21.0488% | 192 |
| Tier 1 risk-based capital ratio | 24.7159% | 776 |
| Total risk-based capital ratio | 25.9696% | 758 |
| Memoranda: | ||
| Average total assets | $18,822,670 | 5,251 |
| Average earning assets | $17,518,000 | 5,235 |
| Average equity | $4,032,000 | 5,099 |
| Average total loans | $14,480,000 | 5,097 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5125% | 5,041 |
| Cost of funding earning assets | 0.9682% | 1,704 |
| Net interest margin | 2.5443% | 5,170 |
| Noninterest income to average assets | 0.0208% | 5,275 |
| Noninterest expense to average assets | 2.8490% | 2,420 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -0.4783% | 5,249 |
| Return on assets (ROA) | -0.4783% | 5,244 |
| Pretax return on assets | -0.4783% | 5,238 |
| Return on Equity (ROE) | -2.2604% | 5,224 |
| Retained earnings to average equity (ytd only) | -2.2604% | 4,766 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.1754% | 77 |
| Assets per employee ($millions) | 4.7545% | 2,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1451% | 115 |
| Loan loss allowance to noncurrent loans | 1,393.9394% | 442 |
| Noncurrent assets plus other real estate owned to assets | 0.1735% | 3,953 |
| Noncurrent loans to loans | 0.2256% | 3,774 |
| Net loans and leases to total assets | 74.4873% | 1,717 |
| Net loans and leases to deposits | 95.0611% | 1,057 |
| Net loans and leases to core deposits | 99.1808% | 1,693 |
| Total domestic deposits to total assets | 78.3573% | 4,458 |
| Equity capital to assets | 21.3692% | 184 |
| Core capital (leverage) ratio | 20.6684% | 215 |
| Tier 1 risk-based capital ratio | 23.2278% | 911 |
| Total risk-based capital ratio | 24.4969% | 889 |
| Memoranda: | ||
| Average total assets | $19,235,000 | 5,302 |
| Average earning assets | $17,765,000 | 5,289 |
| Average equity | $4,070,000 | 5,140 |
| Average total loans | $14,670,500 | 5,155 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3772% | 5,026 |
| Cost of funding earning assets | 0.8921% | 1,125 |
| Net interest margin | 2.4851% | 5,223 |
| Noninterest income to average assets | -0.1274% | 5,378 |
| Noninterest expense to average assets | 2.1605% | 4,426 |
| Loan and lease loss provision to assets | 1.7735% | 36 |
| Net operating income to assets | -1.7686% | 5,370 |
| Return on assets (ROA) | -1.7686% | 5,368 |
| Pretax return on assets | -1.7686% | 5,362 |
| Return on Equity (ROE) | -8.6967% | 5,338 |
| Retained earnings to average equity (ytd only) | -8.6967% | 5,301 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.7738% | 144 |
| Assets per employee ($millions) | 4.8630% | 2,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1261% | 114 |
| Loan loss allowance to noncurrent loans | 1,352.9412% | 502 |
| Noncurrent assets plus other real estate owned to assets | 0.1748% | 3,933 |
| Noncurrent loans to loans | 0.2311% | 3,757 |
| Net loans and leases to total assets | 73.2830% | 2,045 |
| Net loans and leases to deposits | 92.8544% | 1,415 |
| Net loans and leases to core deposits | 96.7424% | 1,988 |
| Total domestic deposits to total assets | 78.9225% | 4,325 |
| Equity capital to assets | 20.9541% | 191 |
| Core capital (leverage) ratio | 20.0540% | 232 |
| Tier 1 risk-based capital ratio | 24.9969% | 747 |
| Total risk-based capital ratio | 26.2645% | 730 |
| Memoranda: | ||
| Average total assets | $20,411,800 | 5,339 |
| Average earning assets | $18,832,400 | 5,327 |
| Average equity | $4,151,000 | 5,158 |
| Average total loans | $15,229,200 | 5,190 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2832% | 5,138 |
| Cost of funding earning assets | 0.8723% | 1,028 |
| Net interest margin | 2.4109% | 5,315 |
| Noninterest income to average assets | 0.0255% | 5,391 |
| Noninterest expense to average assets | 1.9739% | 4,786 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.2865% | 5,105 |
| Return on assets (ROA) | 0.2865% | 5,098 |
| Pretax return on assets | 0.2865% | 5,149 |
| Return on Equity (ROE) | 1.3462% | 5,201 |
| Retained earnings to average equity (ytd only) | 1.3462% | 4,764 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3239% | 444 |
| Assets per employee ($millions) | 5.1125% | 2,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6522% | 4,967 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 73.0024% | 2,168 |
| Net loans and leases to deposits | 93.5987% | 1,420 |
| Net loans and leases to core deposits | 97.3398% | 1,987 |
| Total domestic deposits to total assets | 77.9951% | 4,484 |
| Equity capital to assets | 21.8680% | 167 |
| Core capital (leverage) ratio | 21.7440% | 171 |
| Tier 1 risk-based capital ratio | 25.7343% | 697 |
| Total risk-based capital ratio | 26.2965% | 734 |
| Memoranda: | ||
| Average total assets | $20,939,000 | 5,402 |
| Average earning assets | $19,411,500 | 5,389 |
| Average equity | $4,457,000 | 5,179 |
| Average total loans | $15,357,750 | 5,249 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2491% | 5,186 |
| Cost of funding earning assets | 0.8507% | 910 |
| Net interest margin | 2.3984% | 5,381 |
| Noninterest income to average assets | 0.0284% | 5,446 |
| Noninterest expense to average assets | 1.8671% | 5,007 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.3791% | 5,001 |
| Return on assets (ROA) | 0.3791% | 5,005 |
| Pretax return on assets | 0.3791% | 5,071 |
| Return on Equity (ROE) | 1.7969% | 5,199 |
| Retained earnings to average equity (ytd only) | 1.7969% | 4,523 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1224% | 750 |
| Assets per employee ($millions) | 5.0908% | 2,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6354% | 5,044 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 75.2640% | 1,754 |
| Net loans and leases to deposits | 96.5782% | 1,089 |
| Net loans and leases to core deposits | 100.4457% | 1,696 |
| Total domestic deposits to total assets | 77.9306% | 4,598 |
| Equity capital to assets | 21.9516% | 167 |
| Core capital (leverage) ratio | 21.5491% | 175 |
| Tier 1 risk-based capital ratio | 26.2280% | 656 |
| Total risk-based capital ratio | 26.7997% | 682 |
| Memoranda: | ||
| Average total assets | $21,102,000 | 5,466 |
| Average earning assets | $19,513,000 | 5,452 |
| Average equity | $4,452,000 | 5,239 |
| Average total loans | $15,468,000 | 5,308 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1975% | 5,235 |
| Cost of funding earning assets | 0.8297% | 834 |
| Net interest margin | 2.3678% | 5,453 |
| Noninterest income to average assets | 0.0373% | 5,501 |
| Noninterest expense to average assets | 2.1237% | 4,605 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.0931% | 5,335 |
| Return on assets (ROA) | 0.0931% | 5,330 |
| Pretax return on assets | 0.0931% | 5,340 |
| Return on Equity (ROE) | 0.4501% | 5,351 |
| Retained earnings to average equity (ytd only) | 0.4501% | 4,732 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.7983% | 256 |
| Assets per employee ($millions) | 5.2863% | 2,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6436% | 5,112 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 71.5536% | 2,245 |
| Net loans and leases to deposits | 90.6966% | 1,603 |
| Net loans and leases to core deposits | 92.1943% | 2,281 |
| Total domestic deposits to total assets | 78.8934% | 4,595 |
| Equity capital to assets | 20.9837% | 181 |
| Core capital (leverage) ratio | 20.3893% | 198 |
| Tier 1 risk-based capital ratio | 24.9371% | 754 |
| Total risk-based capital ratio | 25.4848% | 797 |
| Memoranda: | ||
| Average total assets | $21,471,500 | 5,524 |
| Average earning assets | $19,765,500 | 5,510 |
| Average equity | $4,443,000 | 5,292 |
| Average total loans | $15,490,000 | 5,366 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2659% | 5,124 |
| Cost of funding earning assets | 0.8268% | 535 |
| Net interest margin | 2.4392% | 5,439 |
| Noninterest income to average assets | 0.0237% | 5,577 |
| Noninterest expense to average assets | 2.1845% | 4,556 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.0900% | 5,269 |
| Return on assets (ROA) | 0.0900% | 5,274 |
| Pretax return on assets | 0.0900% | 5,383 |
| Return on Equity (ROE) | 0.4270% | 5,317 |
| Retained earnings to average equity (ytd only) | 0.4270% | 4,864 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0417% | 250 |
| Assets per employee ($millions) | 4.3596% | 3,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6221% | 5,200 |
| Loan loss allowance to noncurrent loans | 65.3333% | 4,176 |
| Noncurrent assets plus other real estate owned to assets | 0.6881% | 2,251 |
| Noncurrent loans to loans | 0.9523% | 1,864 |
| Net loans and leases to total assets | 71.8139% | 2,264 |
| Net loans and leases to deposits | 90.3498% | 1,738 |
| Net loans and leases to core deposits | 91.7746% | 2,393 |
| Total domestic deposits to total assets | 79.4844% | 4,449 |
| Equity capital to assets | 20.4101% | 193 |
| Core capital (leverage) ratio | 20.7395% | 182 |
| Tier 1 risk-based capital ratio | 23.9294% | 821 |
| Total risk-based capital ratio | 24.4613% | 871 |
| Memoranda: | ||
| Average total assets | $21,103,400 | 5,588 |
| Average earning assets | $19,473,800 | 5,571 |
| Average equity | $4,449,800 | 5,352 |
| Average total loans | $16,094,400 | 5,418 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2767% | 5,142 |
| Cost of funding earning assets | 0.8175% | 518 |
| Net interest margin | 2.4593% | 5,498 |
| Noninterest income to average assets | 0.0255% | 5,643 |
| Noninterest expense to average assets | 2.0576% | 4,833 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.2485% | 5,299 |
| Return on assets (ROA) | 0.2485% | 5,316 |
| Pretax return on assets | 0.2485% | 5,341 |
| Return on Equity (ROE) | 1.1685% | 5,412 |
| Retained earnings to average equity (ytd only) | 1.1685% | 4,929 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2265% | 440 |
| Assets per employee ($millions) | 4.1394% | 3,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6146% | 5,300 |
| Loan loss allowance to noncurrent loans | 700.0000% | 791 |
| Noncurrent assets plus other real estate owned to assets | 0.0676% | 4,894 |
| Noncurrent loans to loans | 0.0878% | 4,719 |
| Net loans and leases to total assets | 76.5715% | 1,489 |
| Net loans and leases to deposits | 97.8272% | 936 |
| Net loans and leases to core deposits | 99.4728% | 1,753 |
| Total domestic deposits to total assets | 78.2722% | 4,678 |
| Equity capital to assets | 21.6167% | 165 |
| Core capital (leverage) ratio | 21.4186% | 160 |
| Tier 1 risk-based capital ratio | 24.7003% | 789 |
| Total risk-based capital ratio | 25.2442% | 830 |
| Memoranda: | ||
| Average total assets | $20,929,750 | 5,659 |
| Average earning assets | $19,409,000 | 5,638 |
| Average equity | $4,450,000 | 5,408 |
| Average total loans | $16,180,000 | 5,477 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2625% | 5,162 |
| Cost of funding earning assets | 0.8002% | 523 |
| Net interest margin | 2.4623% | 5,532 |
| Noninterest income to average assets | 0.0286% | 5,688 |
| Noninterest expense to average assets | 2.0755% | 4,818 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.2380% | 5,338 |
| Return on assets (ROA) | 0.2380% | 5,357 |
| Pretax return on assets | 0.2380% | 5,399 |
| Return on Equity (ROE) | 1.1256% | 5,454 |
| Retained earnings to average equity (ytd only) | 1.1256% | 4,789 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7119% | 468 |
| Assets per employee ($millions) | 4.1288% | 3,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6082% | 5,366 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 77.5722% | 1,305 |
| Net loans and leases to deposits | 99.0843% | 807 |
| Net loans and leases to core deposits | 100.7423% | 1,601 |
| Total domestic deposits to total assets | 78.2891% | 4,776 |
| Equity capital to assets | 21.6043% | 155 |
| Core capital (leverage) ratio | 21.3715% | 153 |
| Tier 1 risk-based capital ratio | 24.8405% | 765 |
| Total risk-based capital ratio | 25.3890% | 813 |
| Memoranda: | ||
| Average total assets | $21,007,330 | 5,706 |
| Average earning assets | $19,494,000 | 5,689 |
| Average equity | $4,442,000 | 5,451 |
| Average total loans | $16,258,000 | 5,521 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2265% | 5,204 |
| Cost of funding earning assets | 0.7914% | 514 |
| Net interest margin | 2.4351% | 5,592 |
| Noninterest income to average assets | 0.0378% | 5,748 |
| Noninterest expense to average assets | 2.2087% | 4,615 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.0944% | 5,528 |
| Return on assets (ROA) | 0.0944% | 5,531 |
| Pretax return on assets | 0.0944% | 5,522 |
| Return on Equity (ROE) | 0.4512% | 5,571 |
| Retained earnings to average equity (ytd only) | 0.4512% | 4,815 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.9016% | 323 |
| Assets per employee ($millions) | 4.2256% | 3,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6058% | 5,469 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 76.0981% | 1,403 |
| Net loans and leases to deposits | 96.4661% | 899 |
| Net loans and leases to core deposits | 98.0187% | 1,657 |
| Total domestic deposits to total assets | 78.8858% | 4,841 |
| Equity capital to assets | 21.0053% | 170 |
| Core capital (leverage) ratio | 20.7861% | 176 |
| Tier 1 risk-based capital ratio | 24.0183% | 869 |
| Total risk-based capital ratio | 24.5513% | 926 |
| Memoranda: | ||
| Average total assets | $21,189,000 | 5,770 |
| Average earning assets | $19,711,500 | 5,754 |
| Average equity | $4,433,000 | 5,510 |
| Average total loans | $16,331,000 | 5,582 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4606% | 4,872 |
| Cost of funding earning assets | 0.7360% | 677 |
| Net interest margin | 2.7247% | 5,393 |
| Noninterest income to average assets | 0.0293% | 5,812 |
| Noninterest expense to average assets | 2.2696% | 4,617 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.3075% | 5,203 |
| Return on assets (ROA) | 0.3075% | 5,267 |
| Pretax return on assets | 0.3075% | 5,354 |
| Return on Equity (ROE) | 1.4264% | 5,500 |
| Retained earnings to average equity (ytd only) | 1.4264% | 4,696 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0682% | 677 |
| Assets per employee ($millions) | 3.5417% | 4,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5944% | 5,547 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 77.1200% | 1,341 |
| Net loans and leases to deposits | 97.5418% | 862 |
| Net loans and leases to core deposits | 99.0930% | 1,699 |
| Total domestic deposits to total assets | 79.0635% | 4,782 |
| Equity capital to assets | 20.8376% | 181 |
| Core capital (leverage) ratio | 20.5676% | 180 |
| Tier 1 risk-based capital ratio | 23.2421% | 943 |
| Total risk-based capital ratio | 23.7590% | 997 |
| Memoranda: | ||
| Average total assets | $20,488,400 | 5,836 |
| Average earning assets | $19,158,400 | 5,816 |
| Average equity | $4,416,800 | 5,569 |
| Average total loans | $15,906,200 | 5,645 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5094% | 4,777 |
| Cost of funding earning assets | 0.7229% | 734 |
| Net interest margin | 2.7865% | 5,377 |
| Noninterest income to average assets | 0.0263% | 5,888 |
| Noninterest expense to average assets | 2.2268% | 4,697 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4072% | 4,995 |
| Return on assets (ROA) | 0.4072% | 5,089 |
| Pretax return on assets | 0.4072% | 5,295 |
| Return on Equity (ROE) | 1.8727% | 5,496 |
| Retained earnings to average equity (ytd only) | 1.8727% | 4,744 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5387% | 946 |
| Assets per employee ($millions) | 4.1268% | 3,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5869% | 5,626 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 80.4546% | 822 |
| Net loans and leases to deposits | 102.6464% | 531 |
| Net loans and leases to core deposits | 104.3301% | 1,318 |
| Total domestic deposits to total assets | 78.3803% | 4,836 |
| Equity capital to assets | 21.5276% | 183 |
| Core capital (leverage) ratio | 21.5266% | 151 |
| Tier 1 risk-based capital ratio | 24.0163% | 903 |
| Total risk-based capital ratio | 24.5482% | 954 |
| Memoranda: | ||
| Average total assets | $20,298,000 | 5,900 |
| Average earning assets | $18,996,000 | 5,882 |
| Average equity | $4,414,000 | 5,632 |
| Average total loans | $15,761,250 | 5,703 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5277% | 4,793 |
| Cost of funding earning assets | 0.7098% | 765 |
| Net interest margin | 2.8179% | 5,397 |
| Noninterest income to average assets | 0.0396% | 5,936 |
| Noninterest expense to average assets | 2.1797% | 4,893 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4954% | 4,697 |
| Return on assets (ROA) | 0.4954% | 4,798 |
| Pretax return on assets | 0.4954% | 5,139 |
| Return on Equity (ROE) | 2.2703% | 5,445 |
| Retained earnings to average equity (ytd only) | 2.2703% | 4,430 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4815% | 1,332 |
| Assets per employee ($millions) | 4.1252% | 3,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6138% | 5,659 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 76.9320% | 1,348 |
| Net loans and leases to deposits | 98.0959% | 881 |
| Net loans and leases to core deposits | 99.6922% | 1,652 |
| Total domestic deposits to total assets | 78.4253% | 4,907 |
| Equity capital to assets | 21.4777% | 170 |
| Core capital (leverage) ratio | 21.5563% | 143 |
| Tier 1 risk-based capital ratio | 24.2433% | 880 |
| Total risk-based capital ratio | 24.7816% | 932 |
| Memoranda: | ||
| Average total assets | $20,186,000 | 5,976 |
| Average earning assets | $18,879,000 | 5,956 |
| Average equity | $4,404,670 | 5,696 |
| Average total loans | $15,448,670 | 5,777 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7335% | 4,196 |
| Cost of funding earning assets | 0.7081% | 778 |
| Net interest margin | 3.0254% | 5,056 |
| Noninterest income to average assets | 0.0401% | 5,995 |
| Noninterest expense to average assets | 2.3640% | 4,480 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5009% | 4,626 |
| Return on assets (ROA) | 0.5009% | 4,725 |
| Pretax return on assets | 0.5009% | 5,087 |
| Return on Equity (ROE) | 2.2769% | 5,440 |
| Retained earnings to average equity (ytd only) | 2.2769% | 4,349 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5175% | 1,323 |
| Assets per employee ($millions) | 4.0678% | 3,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6165% | 5,722 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 77.6784% | 1,141 |
| Net loans and leases to deposits | 99.2524% | 669 |
| Net loans and leases to core deposits | 100.8876% | 1,416 |
| Total domestic deposits to total assets | 78.2634% | 5,100 |
| Equity capital to assets | 21.6431% | 161 |
| Core capital (leverage) ratio | 21.8660% | 139 |
| Tier 1 risk-based capital ratio | 25.0043% | 811 |
| Total risk-based capital ratio | 25.5631% | 869 |
| Memoranda: | ||
| Average total assets | $19,966,000 | 6,038 |
| Average earning assets | $18,642,000 | 6,020 |
| Average equity | $4,392,000 | 5,741 |
| Average total loans | $15,190,000 | 5,842 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2391% | 5,456 |
| Cost of funding earning assets | 0.7125% | 769 |
| Net interest margin | 2.5266% | 5,813 |
| Noninterest income to average assets | 0.0463% | 6,019 |
| Noninterest expense to average assets | 2.3069% | 4,765 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.1133% | 5,738 |
| Return on assets (ROA) | 0.1133% | 5,779 |
| Pretax return on assets | 0.1133% | 5,787 |
| Return on Equity (ROE) | 0.5062% | 5,839 |
| Retained earnings to average equity (ytd only) | 0.5062% | 5,316 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3191% | 429 |
| Assets per employee ($millions) | 3.9186% | 4,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6767% | 5,677 |
| Loan loss allowance to noncurrent loans | 4,900.0000% | 177 |
| Noncurrent assets plus other real estate owned to assets | 0.0102% | 5,666 |
| Noncurrent loans to loans | 0.0138% | 5,477 |
| Net loans and leases to total assets | 73.4191% | 1,820 |
| Net loans and leases to deposits | 94.7005% | 1,135 |
| Net loans and leases to core deposits | 96.3238% | 1,813 |
| Total domestic deposits to total assets | 77.5277% | 5,236 |
| Equity capital to assets | 22.3651% | 134 |
| Core capital (leverage) ratio | 22.0248% | 133 |
| Tier 1 risk-based capital ratio | 26.6033% | 696 |
| Total risk-based capital ratio | 27.2007% | 725 |
| Memoranda: | ||
| Average total assets | $19,419,800 | 6,101 |
| Average earning assets | $18,246,000 | 6,078 |
| Average equity | $4,346,200 | 5,793 |
| Average total loans | $12,809,600 | 5,957 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1927% | 5,595 |
| Cost of funding earning assets | 0.7176% | 767 |
| Net interest margin | 2.4751% | 5,926 |
| Noninterest income to average assets | 0.0413% | 6,119 |
| Noninterest expense to average assets | 2.3740% | 4,585 |
| Loan and lease loss provision to assets | 0.2477% | 694 |
| Net operating income to assets | -0.2546% | 6,068 |
| Return on assets (ROA) | -0.2546% | 6,084 |
| Pretax return on assets | -0.2546% | 6,072 |
| Return on Equity (ROE) | -1.1374% | 6,033 |
| Retained earnings to average equity (ytd only) | -1.1374% | 5,771 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.2907% | 293 |
| Assets per employee ($millions) | 3.9024% | 4,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0139% | 4,673 |
| Loan loss allowance to noncurrent loans | 1,675.0000% | 368 |
| Noncurrent assets plus other real estate owned to assets | 0.0410% | 5,619 |
| Noncurrent loans to loans | 0.0605% | 5,378 |
| Net loans and leases to total assets | 67.0459% | 2,844 |
| Net loans and leases to deposits | 86.6759% | 2,068 |
| Net loans and leases to core deposits | 88.1655% | 2,647 |
| Total domestic deposits to total assets | 77.3524% | 5,286 |
| Equity capital to assets | 22.1863% | 153 |
| Core capital (leverage) ratio | 22.0851% | 132 |
| Tier 1 risk-based capital ratio | 28.0484% | 618 |
| Total risk-based capital ratio | 28.9198% | 625 |
| Memoranda: | ||
| Average total assets | $19,376,500 | 6,186 |
| Average earning assets | $18,207,750 | 6,163 |
| Average equity | $4,337,250 | 5,873 |
| Average total loans | $12,391,250 | 6,044 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1176% | 5,725 |
| Cost of funding earning assets | 0.7135% | 786 |
| Net interest margin | 2.4040% | 6,039 |
| Noninterest income to average assets | 0.0414% | 6,197 |
| Noninterest expense to average assets | 2.1726% | 5,175 |
| Loan and lease loss provision to assets | 0.3725% | 342 |
| Net operating income to assets | -0.2380% | 6,122 |
| Return on assets (ROA) | -0.2380% | 6,138 |
| Pretax return on assets | -0.2380% | 6,128 |
| Return on Equity (ROE) | -1.0599% | 6,084 |
| Retained earnings to average equity (ytd only) | -1.0599% | 5,699 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1704% | 511 |
| Assets per employee ($millions) | 3.9502% | 3,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0244% | 4,740 |
| Loan loss allowance to noncurrent loans | 46.8531% | 5,087 |
| Noncurrent assets plus other real estate owned to assets | 1.4480% | 1,718 |
| Noncurrent loans to loans | 2.1864% | 1,098 |
| Net loans and leases to total assets | 65.5511% | 3,031 |
| Net loans and leases to deposits | 84.1151% | 2,300 |
| Net loans and leases to core deposits | 85.5208% | 2,816 |
| Total domestic deposits to total assets | 77.9302% | 5,292 |
| Equity capital to assets | 21.9634% | 155 |
| Core capital (leverage) ratio | 21.8003% | 141 |
| Tier 1 risk-based capital ratio | 28.4726% | 618 |
| Total risk-based capital ratio | 29.3552% | 629 |
| Memoranda: | ||
| Average total assets | $19,331,330 | 6,265 |
| Average earning assets | $18,219,330 | 6,240 |
| Average equity | $4,340,000 | 5,932 |
| Average total loans | $12,116,330 | 6,116 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0095% | 5,884 |
| Cost of funding earning assets | 0.7303% | 732 |
| Net interest margin | 2.2793% | 6,168 |
| Noninterest income to average assets | 0.0418% | 6,250 |
| Noninterest expense to average assets | 2.2592% | 4,975 |
| Loan and lease loss provision to assets | 0.7531% | 111 |
| Net operating income to assets | -0.8158% | 6,302 |
| Return on assets (ROA) | -0.8158% | 6,306 |
| Pretax return on assets | -0.8158% | 6,294 |
| Return on Equity (ROE) | -3.5936% | 6,230 |
| Retained earnings to average equity (ytd only) | -3.5936% | 5,836 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.8571% | 292 |
| Assets per employee ($millions) | 3.8294% | 4,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1292% | 4,379 |
| Loan loss allowance to noncurrent loans | 46.8531% | 5,112 |
| Noncurrent assets plus other real estate owned to assets | 1.4937% | 1,760 |
| Noncurrent loans to loans | 2.4100% | 1,021 |
| Net loans and leases to total assets | 61.2785% | 3,484 |
| Net loans and leases to deposits | 79.2824% | 2,645 |
| Net loans and leases to core deposits | 80.6503% | 3,085 |
| Total domestic deposits to total assets | 77.2915% | 5,570 |
| Equity capital to assets | 22.6041% | 139 |
| Core capital (leverage) ratio | 22.3802% | 127 |
| Tier 1 risk-based capital ratio | 30.9936% | 495 |
| Total risk-based capital ratio | 31.9563% | 502 |
| Memoranda: | ||
| Average total assets | $19,121,500 | 6,334 |
| Average earning assets | $18,076,000 | 6,309 |
| Average equity | $4,341,000 | 5,987 |
| Average total loans | $11,634,000 | 6,183 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1745% | 5,867 |
| Cost of funding earning assets | 0.7824% | 710 |
| Net interest margin | 2.3921% | 6,232 |
| Noninterest income to average assets | 0.0624% | 6,265 |
| Noninterest expense to average assets | 2.1438% | 5,472 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.1197% | 5,921 |
| Return on assets (ROA) | 0.1197% | 5,964 |
| Pretax return on assets | 0.1457% | 5,944 |
| Return on Equity (ROE) | 0.5322% | 6,032 |
| Retained earnings to average equity (ytd only) | 0.5322% | 5,531 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6364% | 614 |
| Assets per employee ($millions) | 3.8192% | 4,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8596% | 5,609 |
| Loan loss allowance to noncurrent loans | 34.2657% | 5,537 |
| Noncurrent assets plus other real estate owned to assets | 1.4977% | 1,824 |
| Noncurrent loans to loans | 2.5086% | 1,011 |
| Net loans and leases to total assets | 59.1904% | 3,897 |
| Net loans and leases to deposits | 78.1295% | 2,962 |
| Net loans and leases to core deposits | 78.1295% | 3,504 |
| Total domestic deposits to total assets | 75.7593% | 5,773 |
| Equity capital to assets | 22.8006% | 135 |
| Core capital (leverage) ratio | 22.7527% | 125 |
| Tier 1 risk-based capital ratio | 32.4639% | 416 |
| Total risk-based capital ratio | 33.1942% | 422 |
| Memoranda: | ||
| Average total assets | $19,218,600 | 6,425 |
| Average earning assets | $17,892,600 | 6,400 |
| Average equity | $4,321,800 | 6,030 |
| Average total loans | $10,961,600 | 6,289 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0218% | 6,114 |
| Cost of funding earning assets | 0.7834% | 750 |
| Net interest margin | 2.2383% | 6,368 |
| Noninterest income to average assets | 0.0554% | 6,371 |
| Noninterest expense to average assets | 2.2581% | 5,204 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.1247% | 6,233 |
| Return on assets (ROA) | -0.1247% | 6,241 |
| Pretax return on assets | -0.1247% | 6,218 |
| Return on Equity (ROE) | -0.5564% | 6,194 |
| Retained earnings to average equity (ytd only) | -0.5564% | 5,881 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.8442% | 273 |
| Assets per employee ($millions) | 3.7742% | 4,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9238% | 5,515 |
| Loan loss allowance to noncurrent loans | 37.5479% | 5,517 |
| Noncurrent assets plus other real estate owned to assets | 1.3831% | 2,236 |
| Noncurrent loans to loans | 2.4604% | 1,200 |
| Net loans and leases to total assets | 55.6939% | 4,372 |
| Net loans and leases to deposits | 72.3032% | 3,656 |
| Net loans and leases to core deposits | 72.3032% | 4,124 |
| Total domestic deposits to total assets | 77.0282% | 5,674 |
| Equity capital to assets | 22.8499% | 134 |
| Core capital (leverage) ratio | 22.4611% | 132 |
| Tier 1 risk-based capital ratio | 33.4912% | 404 |
| Total risk-based capital ratio | 34.2518% | 406 |
| Memoranda: | ||
| Average total assets | $19,249,250 | 6,501 |
| Average earning assets | $17,870,000 | 6,476 |
| Average equity | $4,313,750 | 6,092 |
| Average total loans | $10,851,750 | 6,363 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0757% | 6,096 |
| Cost of funding earning assets | 0.7829% | 778 |
| Net interest margin | 2.2928% | 6,410 |
| Noninterest income to average assets | 0.0619% | 6,406 |
| Noninterest expense to average assets | 2.2400% | 5,311 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.0619% | 6,236 |
| Return on assets (ROA) | -0.0619% | 6,246 |
| Pretax return on assets | -0.0619% | 6,231 |
| Return on Equity (ROE) | -0.2781% | 6,225 |
| Retained earnings to average equity (ytd only) | -0.2781% | 5,729 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.8436% | 340 |
| Assets per employee ($millions) | 3.8342% | 4,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8988% | 5,727 |
| Loan loss allowance to noncurrent loans | 37.2624% | 5,585 |
| Noncurrent assets plus other real estate owned to assets | 1.3719% | 2,382 |
| Noncurrent loans to loans | 2.4120% | 1,306 |
| Net loans and leases to total assets | 56.3664% | 4,226 |
| Net loans and leases to deposits | 72.8904% | 3,464 |
| Net loans and leases to core deposits | 72.8904% | 3,954 |
| Total domestic deposits to total assets | 77.3303% | 5,753 |
| Equity capital to assets | 22.5445% | 135 |
| Core capital (leverage) ratio | 22.4378% | 125 |
| Tier 1 risk-based capital ratio | 32.7851% | 419 |
| Total risk-based capital ratio | 33.5279% | 429 |
| Memoranda: | ||
| Average total assets | $19,375,330 | 6,565 |
| Average earning assets | $17,882,330 | 6,540 |
| Average equity | $4,314,330 | 6,133 |
| Average total loans | $10,933,000 | 6,417 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0441% | 6,196 |
| Cost of funding earning assets | 0.7777% | 844 |
| Net interest margin | 2.2664% | 6,494 |
| Noninterest income to average assets | 0.0616% | 6,455 |
| Noninterest expense to average assets | 1.9920% | 5,899 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1643% | 5,895 |
| Return on assets (ROA) | 0.1643% | 5,935 |
| Pretax return on assets | 0.1643% | 5,985 |
| Return on Equity (ROE) | 0.7424% | 6,095 |
| Retained earnings to average equity (ytd only) | 0.7424% | 5,292 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3810% | 852 |
| Assets per employee ($millions) | 3.8404% | 4,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8866% | 5,903 |
| Loan loss allowance to noncurrent loans | 33.4471% | 5,757 |
| Noncurrent assets plus other real estate owned to assets | 1.5259% | 2,320 |
| Noncurrent loans to loans | 2.6506% | 1,285 |
| Net loans and leases to total assets | 57.0566% | 3,994 |
| Net loans and leases to deposits | 73.7579% | 3,103 |
| Net loans and leases to core deposits | 73.7579% | 3,673 |
| Total domestic deposits to total assets | 77.3565% | 5,921 |
| Equity capital to assets | 22.5289% | 135 |
| Core capital (leverage) ratio | 22.2553% | 133 |
| Tier 1 risk-based capital ratio | 32.4846% | 426 |
| Total risk-based capital ratio | 33.2185% | 444 |
| Memoranda: | ||
| Average total assets | $19,477,500 | 6,631 |
| Average earning assets | $18,002,000 | 6,606 |
| Average equity | $4,310,500 | 6,180 |
| Average total loans | $10,947,500 | 6,484 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0918% | 6,250 |
| Cost of funding earning assets | 0.8793% | 818 |
| Net interest margin | 2.2125% | 6,574 |
| Noninterest income to average assets | 0.0914% | 6,416 |
| Noninterest expense to average assets | 2.1737% | 5,689 |
| Loan and lease loss provision to assets | 0.1270% | 2,721 |
| Net operating income to assets | -0.2043% | 6,367 |
| Return on assets (ROA) | -0.2133% | 6,383 |
| Pretax return on assets | -0.2387% | 6,382 |
| Return on Equity (ROE) | -0.9732% | 6,322 |
| Retained earnings to average equity (ytd only) | -0.9732% | 6,057 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.9020% | 357 |
| Assets per employee ($millions) | 3.9506% | 3,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9040% | 5,914 |
| Loan loss allowance to noncurrent loans | 33.2203% | 5,847 |
| Noncurrent assets plus other real estate owned to assets | 1.4934% | 2,484 |
| Noncurrent loans to loans | 2.7212% | 1,333 |
| Net loans and leases to total assets | 54.3867% | 4,539 |
| Net loans and leases to deposits | 69.6151% | 3,829 |
| Net loans and leases to core deposits | 69.6151% | 4,322 |
| Total domestic deposits to total assets | 78.1248% | 5,813 |
| Equity capital to assets | 21.7435% | 151 |
| Core capital (leverage) ratio | 21.9533% | 137 |
| Tier 1 risk-based capital ratio | 33.2616% | 389 |
| Total risk-based capital ratio | 34.0149% | 402 |
| Memoranda: | ||
| Average total assets | $19,689,800 | 6,706 |
| Average earning assets | $17,627,000 | 6,690 |
| Average equity | $4,315,600 | 6,260 |
| Average total loans | $9,951,000 | 6,593 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0738% | 6,344 |
| Cost of funding earning assets | 0.8946% | 834 |
| Net interest margin | 2.1792% | 6,659 |
| Noninterest income to average assets | 0.0949% | 6,492 |
| Noninterest expense to average assets | 2.3448% | 5,196 |
| Loan and lease loss provision to assets | 0.1694% | 2,144 |
| Net operating income to assets | -0.4550% | 6,581 |
| Return on assets (ROA) | -0.4676% | 6,599 |
| Pretax return on assets | -0.5015% | 6,599 |
| Return on Equity (ROE) | -2.1293% | 6,488 |
| Retained earnings to average equity (ytd only) | -2.1293% | 6,282 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.7191% | 205 |
| Assets per employee ($millions) | 3.9094% | 4,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9624% | 5,873 |
| Loan loss allowance to noncurrent loans | 32.3432% | 5,898 |
| Noncurrent assets plus other real estate owned to assets | 1.5501% | 2,610 |
| Noncurrent loans to loans | 2.9755% | 1,363 |
| Net loans and leases to total assets | 51.5936% | 4,934 |
| Net loans and leases to deposits | 66.1659% | 4,285 |
| Net loans and leases to core deposits | 66.1659% | 4,699 |
| Total domestic deposits to total assets | 77.9762% | 5,909 |
| Equity capital to assets | 21.8959% | 151 |
| Core capital (leverage) ratio | 22.0170% | 135 |
| Tier 1 risk-based capital ratio | 34.3033% | 363 |
| Total risk-based capital ratio | 35.0845% | 369 |
| Memoranda: | ||
| Average total assets | $19,674,000 | 6,781 |
| Average earning assets | $17,437,250 | 6,770 |
| Average equity | $4,320,750 | 6,333 |
| Average total loans | $9,728,500 | 6,678 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9366% | 6,503 |
| Cost of funding earning assets | 0.9243% | 801 |
| Net interest margin | 2.0123% | 6,760 |
| Noninterest income to average assets | 0.1014% | 6,524 |
| Noninterest expense to average assets | 2.4142% | 5,013 |
| Loan and lease loss provision to assets | 0.2536% | 1,462 |
| Net operating income to assets | -0.7811% | 6,710 |
| Return on assets (ROA) | -0.7811% | 6,721 |
| Pretax return on assets | -0.8217% | 6,710 |
| Return on Equity (ROE) | -3.5530% | 6,601 |
| Retained earnings to average equity (ytd only) | -3.5530% | 6,360 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 130.7692% | 124 |
| Assets per employee ($millions) | 3.8804% | 4,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0195% | 5,739 |
| Loan loss allowance to noncurrent loans | 29.2537% | 6,047 |
| Noncurrent assets plus other real estate owned to assets | 1.7266% | 2,519 |
| Noncurrent loans to loans | 3.4849% | 1,224 |
| Net loans and leases to total assets | 49.0413% | 5,219 |
| Net loans and leases to deposits | 62.9715% | 4,629 |
| Net loans and leases to core deposits | 62.9715% | 5,010 |
| Total domestic deposits to total assets | 77.8786% | 6,002 |
| Equity capital to assets | 21.9874% | 140 |
| Core capital (leverage) ratio | 21.5902% | 133 |
| Tier 1 risk-based capital ratio | 35.7125% | 316 |
| Total risk-based capital ratio | 36.5277% | 325 |
| Memoranda: | ||
| Average total assets | $19,716,330 | 6,828 |
| Average earning assets | $17,094,670 | 6,823 |
| Average equity | $4,334,330 | 6,378 |
| Average total loans | $9,577,000 | 6,727 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0508% | 6,455 |
| Cost of funding earning assets | 0.9443% | 806 |
| Net interest margin | 2.1065% | 6,807 |
| Noninterest income to average assets | 0.1006% | 6,576 |
| Noninterest expense to average assets | 2.3348% | 5,322 |
| Loan and lease loss provision to assets | 0.5032% | 537 |
| Net operating income to assets | -0.9862% | 6,806 |
| Return on assets (ROA) | -0.9862% | 6,820 |
| Pretax return on assets | -0.9862% | 6,803 |
| Return on Equity (ROE) | -4.4867% | 6,676 |
| Retained earnings to average equity (ytd only) | -4.4867% | 6,322 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.0870% | 174 |
| Assets per employee ($millions) | 3.9892% | 3,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0297% | 5,877 |
| Loan loss allowance to noncurrent loans | 28.9941% | 6,064 |
| Noncurrent assets plus other real estate owned to assets | 1.6946% | 2,747 |
| Noncurrent loans to loans | 3.5515% | 1,345 |
| Net loans and leases to total assets | 47.2225% | 5,311 |
| Net loans and leases to deposits | 60.4557% | 4,742 |
| Net loans and leases to core deposits | 60.4557% | 5,099 |
| Total domestic deposits to total assets | 78.1109% | 6,100 |
| Equity capital to assets | 21.7587% | 155 |
| Core capital (leverage) ratio | 21.4558% | 148 |
| Tier 1 risk-based capital ratio | 34.5636% | 361 |
| Total risk-based capital ratio | 35.3448% | 370 |
| Memoranda: | ||
| Average total assets | $19,873,500 | 6,902 |
| Average earning assets | $16,520,500 | 6,906 |
| Average equity | $4,368,500 | 6,429 |
| Average total loans | $9,559,000 | 6,796 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8425% | 5,726 |
| Cost of funding earning assets | 1.3456% | 312 |
| Net interest margin | 2.4969% | 6,716 |
| Noninterest income to average assets | 0.0818% | 6,576 |
| Noninterest expense to average assets | 2.1116% | 6,101 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.2556% | 6,412 |
| Return on assets (ROA) | -0.3681% | 6,540 |
| Pretax return on assets | -0.3681% | 6,513 |
| Return on Equity (ROE) | -1.6259% | 6,429 |
| Retained earnings to average equity (ytd only) | -1.6259% | 6,107 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.7741% | 279 |
| Assets per employee ($millions) | 3.9602% | 4,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7603% | 6,553 |
| Loan loss allowance to noncurrent loans | 21.2828% | 6,354 |
| Noncurrent assets plus other real estate owned to assets | 1.7322% | 2,796 |
| Noncurrent loans to loans | 3.5725% | 1,382 |
| Net loans and leases to total assets | 48.1188% | 5,402 |
| Net loans and leases to deposits | 61.9869% | 4,787 |
| Net loans and leases to core deposits | 61.9869% | 5,160 |
| Total domestic deposits to total assets | 77.6274% | 6,138 |
| Equity capital to assets | 22.2059% | 150 |
| Core capital (leverage) ratio | 22.0391% | 132 |
| Tier 1 risk-based capital ratio | 33.2071% | 393 |
| Total risk-based capital ratio | 33.7674% | 410 |
| Memoranda: | ||
| Average total assets | $19,558,400 | 6,961 |
| Average earning assets | $13,897,200 | 7,013 |
| Average equity | $4,428,200 | 6,460 |
| Average total loans | $9,707,800 | 6,861 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9322% | 5,710 |
| Cost of funding earning assets | 1.4106% | 285 |
| Net interest margin | 2.5216% | 6,813 |
| Noninterest income to average assets | 0.0752% | 6,713 |
| Noninterest expense to average assets | 2.1883% | 5,978 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.3282% | 6,597 |
| Return on assets (ROA) | -0.4787% | 6,723 |
| Pretax return on assets | -0.4787% | 6,695 |
| Return on Equity (ROE) | -2.1039% | 6,578 |
| Retained earnings to average equity (ytd only) | -2.1039% | 6,409 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.6471% | 211 |
| Assets per employee ($millions) | 3.9960% | 3,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7224% | 6,719 |
| Loan loss allowance to noncurrent loans | 20.7386% | 6,476 |
| Noncurrent assets plus other real estate owned to assets | 1.7618% | 2,967 |
| Noncurrent loans to loans | 3.4834% | 1,554 |
| Net loans and leases to total assets | 50.2102% | 5,289 |
| Net loans and leases to deposits | 64.5560% | 4,655 |
| Net loans and leases to core deposits | 64.5560% | 5,091 |
| Total domestic deposits to total assets | 77.7778% | 6,121 |
| Equity capital to assets | 22.0470% | 166 |
| Core capital (leverage) ratio | 22.1706% | 138 |
| Tier 1 risk-based capital ratio | 35.7172% | 335 |
| Total risk-based capital ratio | 36.3355% | 346 |
| Memoranda: | ||
| Average total assets | $19,497,750 | 7,057 |
| Average earning assets | $13,800,250 | 7,107 |
| Average equity | $4,436,000 | 6,530 |
| Average total loans | $9,734,500 | 6,950 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0307% | 5,553 |
| Cost of funding earning assets | 1.5263% | 215 |
| Net interest margin | 2.5044% | 6,885 |
| Noninterest income to average assets | 0.0724% | 6,786 |
| Noninterest expense to average assets | 2.2134% | 5,961 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.3930% | 6,677 |
| Return on assets (ROA) | -0.6206% | 6,812 |
| Pretax return on assets | -0.6206% | 6,785 |
| Return on Equity (ROE) | -2.6989% | 6,658 |
| Retained earnings to average equity (ytd only) | -2.6989% | 6,429 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.5909% | 219 |
| Assets per employee ($millions) | 3.8570% | 4,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7270% | 6,793 |
| Loan loss allowance to noncurrent loans | 20.4482% | 6,506 |
| Noncurrent assets plus other real estate owned to assets | 1.8512% | 2,966 |
| Noncurrent loans to loans | 3.5554% | 1,613 |
| Net loans and leases to total assets | 51.6878% | 5,136 |
| Net loans and leases to deposits | 67.2242% | 4,327 |
| Net loans and leases to core deposits | 67.2242% | 4,874 |
| Total domestic deposits to total assets | 76.8888% | 6,340 |
| Equity capital to assets | 22.8986% | 132 |
| Core capital (leverage) ratio | 22.3442% | 126 |
| Tier 1 risk-based capital ratio | 40.5084% | 220 |
| Total risk-based capital ratio | 41.2084% | 225 |
| Memoranda: | ||
| Average total assets | $19,337,000 | 7,118 |
| Average earning assets | $13,496,330 | 7,171 |
| Average equity | $4,446,330 | 6,559 |
| Average total loans | $9,611,000 | 7,014 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9877% | 5,803 |
| Cost of funding earning assets | 1.4737% | 325 |
| Net interest margin | 2.5140% | 6,947 |
| Noninterest income to average assets | 0.1033% | 6,726 |
| Noninterest expense to average assets | 2.2311% | 5,962 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.3305% | 6,724 |
| Return on assets (ROA) | -0.7850% | 6,962 |
| Pretax return on assets | -0.7850% | 6,927 |
| Return on Equity (ROE) | -3.4069% | 6,777 |
| Retained earnings to average equity (ytd only) | -3.4069% | 6,440 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.3913% | 250 |
| Assets per employee ($millions) | 3.9310% | 4,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7688% | 6,791 |
| Loan loss allowance to noncurrent loans | 31.6017% | 6,091 |
| Noncurrent assets plus other real estate owned to assets | 1.1753% | 4,167 |
| Noncurrent loans to loans | 2.4329% | 2,674 |
| Net loans and leases to total assets | 47.9369% | 5,563 |
| Net loans and leases to deposits | 62.0931% | 4,906 |
| Net loans and leases to core deposits | 62.0931% | 5,315 |
| Total domestic deposits to total assets | 77.2017% | 6,371 |
| Equity capital to assets | 22.5998% | 135 |
| Core capital (leverage) ratio | 22.7242% | 123 |
| Tier 1 risk-based capital ratio | 41.6565% | 204 |
| Total risk-based capital ratio | 42.3726% | 209 |
| Memoranda: | ||
| Average total assets | $19,363,000 | 7,179 |
| Average earning assets | $13,842,500 | 7,224 |
| Average equity | $4,461,500 | 6,591 |
| Average total loans | $9,396,000 | 7,086 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7064% | 6,841 |
| Cost of funding earning assets | 1.4227% | 945 |
| Net interest margin | 2.2837% | 7,148 |
| Noninterest income to average assets | 0.4259% | 4,395 |
| Noninterest expense to average assets | 2.3769% | 5,839 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.0263% | 5,992 |
| Return on assets (ROA) | 0.0263% | 6,108 |
| Pretax return on assets | 0.0158% | 6,098 |
| Return on Equity (ROE) | 0.1139% | 6,135 |
| Retained earnings to average equity (ytd only) | 0.1139% | 5,785 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.3407% | 698 |
| Assets per employee ($millions) | 3.8142% | 4,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7852% | 6,774 |
| Loan loss allowance to noncurrent loans | 235.4839% | 1,416 |
| Noncurrent assets plus other real estate owned to assets | 0.1626% | 6,540 |
| Noncurrent loans to loans | 0.3334% | 6,062 |
| Net loans and leases to total assets | 48.3666% | 5,788 |
| Net loans and leases to deposits | 63.4301% | 5,073 |
| Net loans and leases to core deposits | 64.7480% | 5,391 |
| Total domestic deposits to total assets | 76.2519% | 6,444 |
| Equity capital to assets | 23.4964% | 121 |
| Core capital (leverage) ratio | 23.2252% | 121 |
| Tier 1 risk-based capital ratio | 39.2829% | 245 |
| Total risk-based capital ratio | 39.9789% | 246 |
| Memoranda: | ||
| Average total assets | $19,016,600 | 7,223 |
| Average earning assets | $16,377,000 | 7,225 |
| Average equity | $4,390,600 | 6,631 |
| Average total loans | $9,563,600 | 7,127 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6983% | 6,934 |
| Cost of funding earning assets | 1.3790% | 1,322 |
| Net interest margin | 2.3193% | 7,214 |
| Noninterest income to average assets | 0.0701% | 6,877 |
| Noninterest expense to average assets | 2.5118% | 5,425 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.3578% | 6,551 |
| Return on assets (ROA) | -0.3578% | 6,606 |
| Pretax return on assets | -0.3648% | 6,541 |
| Return on Equity (ROE) | -1.5568% | 6,433 |
| Retained earnings to average equity (ytd only) | -1.5568% | 6,233 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.9935% | 336 |
| Assets per employee ($millions) | 3.8118% | 4,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7407% | 6,909 |
| Loan loss allowance to noncurrent loans | 228.1250% | 1,377 |
| Noncurrent assets plus other real estate owned to assets | 0.1679% | 6,634 |
| Noncurrent loans to loans | 0.3247% | 6,203 |
| Net loans and leases to total assets | 51.3301% | 5,538 |
| Net loans and leases to deposits | 66.9656% | 4,762 |
| Net loans and leases to core deposits | 68.3314% | 5,145 |
| Total domestic deposits to total assets | 76.6515% | 6,430 |
| Equity capital to assets | 23.1544% | 141 |
| Core capital (leverage) ratio | 22.8028% | 138 |
| Tier 1 risk-based capital ratio | 37.3991% | 293 |
| Total risk-based capital ratio | 38.0447% | 299 |
| Memoranda: | ||
| Average total assets | $19,003,000 | 7,297 |
| Average earning assets | $17,016,250 | 7,280 |
| Average equity | $4,368,000 | 6,685 |
| Average total loans | $9,630,250 | 7,197 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6198% | 7,084 |
| Cost of funding earning assets | 1.3588% | 1,606 |
| Net interest margin | 2.2609% | 7,294 |
| Noninterest income to average assets | 0.0843% | 6,904 |
| Noninterest expense to average assets | 2.5600% | 5,326 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.3793% | 6,599 |
| Return on assets (ROA) | -0.3793% | 6,629 |
| Pretax return on assets | -0.3898% | 6,587 |
| Return on Equity (ROE) | -1.6540% | 6,479 |
| Retained earnings to average equity (ytd only) | -1.6540% | 6,186 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.9612% | 361 |
| Assets per employee ($millions) | 3.8530% | 4,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7555% | 6,946 |
| Loan loss allowance to noncurrent loans | 228.1250% | 1,344 |
| Noncurrent assets plus other real estate owned to assets | 0.1661% | 6,677 |
| Noncurrent loans to loans | 0.3312% | 6,252 |
| Net loans and leases to total assets | 49.7742% | 5,851 |
| Net loans and leases to deposits | 64.7031% | 5,186 |
| Net loans and leases to core deposits | 66.0308% | 5,511 |
| Total domestic deposits to total assets | 76.9271% | 6,460 |
| Equity capital to assets | 22.8809% | 154 |
| Core capital (leverage) ratio | 22.8073% | 143 |
| Tier 1 risk-based capital ratio | 37.9260% | 280 |
| Total risk-based capital ratio | 38.5784% | 289 |
| Memoranda: | ||
| Average total assets | $18,984,330 | 7,370 |
| Average earning assets | $17,515,000 | 7,338 |
| Average equity | $4,353,000 | 6,729 |
| Average total loans | $9,555,000 | 7,269 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5087% | 7,205 |
| Cost of funding earning assets | 1.3495% | 1,887 |
| Net interest margin | 2.1592% | 7,371 |
| Noninterest income to average assets | 0.0637% | 7,074 |
| Noninterest expense to average assets | 2.9930% | 3,675 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.8915% | 7,009 |
| Return on assets (ROA) | -0.8915% | 7,009 |
| Pretax return on assets | -0.8915% | 6,957 |
| Return on Equity (ROE) | -3.8839% | 6,729 |
| Retained earnings to average equity (ytd only) | -3.8839% | 6,399 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 142.4242% | 204 |
| Assets per employee ($millions) | 3.8444% | 4,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7712% | 6,969 |
| Loan loss allowance to noncurrent loans | 6.1812% | 7,041 |
| Noncurrent assets plus other real estate owned to assets | 6.1440% | 923 |
| Noncurrent loans to loans | 12.4762% | 257 |
| Net loans and leases to total assets | 48.8659% | 5,970 |
| Net loans and leases to deposits | 63.1675% | 5,365 |
| Net loans and leases to core deposits | 64.7079% | 5,653 |
| Total domestic deposits to total assets | 77.3593% | 6,474 |
| Equity capital to assets | 22.4586% | 158 |
| Core capital (leverage) ratio | 23.2958% | 131 |
| Tier 1 risk-based capital ratio | 38.1133% | 270 |
| Total risk-based capital ratio | 38.7440% | 281 |
| Memoranda: | ||
| Average total assets | $18,844,000 | 7,426 |
| Average earning assets | $17,784,500 | 7,388 |
| Average equity | $4,325,500 | 6,774 |
| Average total loans | $9,501,500 | 7,331 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7091% | 7,300 |
| Cost of funding earning assets | 1.5346% | 2,445 |
| Net interest margin | 2.1745% | 7,405 |
| Noninterest income to average assets | 0.2625% | 5,915 |
| Noninterest expense to average assets | 2.2499% | 6,481 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.0696% | 5,655 |
| Return on assets (ROA) | 0.0696% | 5,797 |
| Pretax return on assets | 0.0696% | 5,758 |
| Return on Equity (ROE) | 0.2950% | 5,882 |
| Retained earnings to average equity (ytd only) | 0.2950% | 5,433 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9977% | 922 |
| Assets per employee ($millions) | 3.6932% | 4,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7654% | 7,034 |
| Loan loss allowance to noncurrent loans | 97.3333% | 2,957 |
| Noncurrent assets plus other real estate owned to assets | 0.4062% | 6,253 |
| Noncurrent loans to loans | 0.7864% | 5,467 |
| Net loans and leases to total assets | 51.2509% | 6,016 |
| Net loans and leases to deposits | 67.1825% | 5,220 |
| Net loans and leases to core deposits | 67.1825% | 5,755 |
| Total domestic deposits to total assets | 76.2861% | 6,600 |
| Equity capital to assets | 23.4702% | 151 |
| Core capital (leverage) ratio | 23.4225% | 145 |
| Tier 1 risk-based capital ratio | 38.7639% | 263 |
| Total risk-based capital ratio | 39.4003% | 268 |
| Memoranda: | ||
| Average total assets | $18,667,600 | 7,496 |
| Average earning assets | $17,659,200 | 7,458 |
| Average equity | $4,407,200 | 6,851 |
| Average total loans | $9,319,200 | 7,419 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7360% | 7,433 |
| Cost of funding earning assets | 1.5365% | 2,743 |
| Net interest margin | 2.1994% | 7,517 |
| Noninterest income to average assets | 0.0427% | 7,309 |
| Noninterest expense to average assets | 2.2438% | 6,481 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | -0.1211% | 6,207 |
| Return on assets (ROA) | -0.1211% | 6,295 |
| Pretax return on assets | -0.1211% | 6,246 |
| Return on Equity (ROE) | -0.5123% | 6,219 |
| Retained earnings to average equity (ytd only) | -0.5123% | 5,923 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.7047% | 604 |
| Assets per employee ($millions) | 3.7454% | 4,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7633% | 7,074 |
| Loan loss allowance to noncurrent loans | 21.9880% | 6,819 |
| Noncurrent assets plus other real estate owned to assets | 1.7728% | 3,783 |
| Noncurrent loans to loans | 3.4714% | 2,292 |
| Net loans and leases to total assets | 50.6808% | 6,250 |
| Net loans and leases to deposits | 66.6409% | 5,587 |
| Net loans and leases to core deposits | 66.6409% | 6,069 |
| Total domestic deposits to total assets | 76.0506% | 6,642 |
| Equity capital to assets | 23.6824% | 150 |
| Core capital (leverage) ratio | 23.2984% | 148 |
| Tier 1 risk-based capital ratio | 38.1113% | 283 |
| Total risk-based capital ratio | 38.7408% | 290 |
| Memoranda: | ||
| Average total assets | $18,718,000 | 7,595 |
| Average earning assets | $17,701,500 | 7,555 |
| Average equity | $4,425,500 | 6,933 |
| Average total loans | $9,264,750 | 7,517 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7591% | 7,506 |
| Cost of funding earning assets | 1.5625% | 2,886 |
| Net interest margin | 2.1966% | 7,585 |
| Noninterest income to average assets | 0.0534% | 7,320 |
| Noninterest expense to average assets | 2.0946% | 6,920 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.0321% | 6,036 |
| Return on assets (ROA) | 0.0321% | 6,127 |
| Pretax return on assets | 0.0321% | 6,099 |
| Return on Equity (ROE) | 0.1357% | 6,159 |
| Retained earnings to average equity (ytd only) | 0.1357% | 5,690 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.4925% | 860 |
| Assets per employee ($millions) | 3.7902% | 4,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7821% | 7,072 |
| Loan loss allowance to noncurrent loans | 83.9080% | 3,251 |
| Noncurrent assets plus other real estate owned to assets | 0.4591% | 6,299 |
| Noncurrent loans to loans | 0.9321% | 5,429 |
| Net loans and leases to total assets | 48.8681% | 6,558 |
| Net loans and leases to deposits | 64.0501% | 6,035 |
| Net loans and leases to core deposits | 65.8490% | 6,255 |
| Total domestic deposits to total assets | 76.2968% | 6,630 |
| Equity capital to assets | 23.4447% | 162 |
| Core capital (leverage) ratio | 23.6391% | 145 |
| Tier 1 risk-based capital ratio | 38.6283% | 275 |
| Total risk-based capital ratio | 39.2636% | 278 |
| Memoranda: | ||
| Average total assets | $18,715,000 | 7,660 |
| Average earning assets | $17,663,670 | 7,620 |
| Average equity | $4,422,330 | 6,969 |
| Average total loans | $9,165,000 | 7,585 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7660% | 7,604 |
| Cost of funding earning assets | 1.5881% | 3,031 |
| Net interest margin | 2.1779% | 7,656 |
| Noninterest income to average assets | 0.0430% | 7,496 |
| Noninterest expense to average assets | 2.0648% | 7,026 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.0430% | 6,183 |
| Return on assets (ROA) | 0.0430% | 6,294 |
| Pretax return on assets | 0.0430% | 6,275 |
| Return on Equity (ROE) | 0.1813% | 6,349 |
| Retained earnings to average equity (ytd only) | 0.1813% | 5,744 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.9592% | 926 |
| Assets per employee ($millions) | 3.7278% | 4,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8047% | 7,120 |
| Loan loss allowance to noncurrent loans | 105.7971% | 2,622 |
| Noncurrent assets plus other real estate owned to assets | 0.3702% | 6,550 |
| Noncurrent loans to loans | 0.7606% | 5,801 |
| Net loans and leases to total assets | 48.2805% | 6,647 |
| Net loans and leases to deposits | 63.4850% | 6,108 |
| Net loans and leases to core deposits | 65.6286% | 6,318 |
| Total domestic deposits to total assets | 76.0502% | 6,749 |
| Equity capital to assets | 23.7244% | 169 |
| Core capital (leverage) ratio | 23.7922% | 156 |
| Tier 1 risk-based capital ratio | 39.4646% | 261 |
| Total risk-based capital ratio | 40.1138% | 261 |
| Memoranda: | ||
| Average total assets | $18,597,000 | 7,759 |
| Average earning assets | $17,631,500 | 7,716 |
| Average equity | $4,412,000 | 7,032 |
| Average total loans | $9,080,500 | 7,685 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1680% | 7,620 |
| Cost of funding earning assets | 1.8567% | 3,699 |
| Net interest margin | 2.3112% | 7,585 |
| Noninterest income to average assets | 0.0998% | 7,265 |
| Noninterest expense to average assets | 2.2959% | 6,759 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | -0.0315% | 5,552 |
| Return on assets (ROA) | -0.0315% | 5,581 |
| Pretax return on assets | -0.0053% | 5,451 |
| Return on Equity (ROE) | -0.1354% | 5,559 |
| Retained earnings to average equity (ytd only) | -0.1354% | 4,972 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.2294% | 1,087 |
| Assets per employee ($millions) | 3.7110% | 4,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8032% | 7,120 |
| Loan loss allowance to noncurrent loans | 105.7971% | 2,666 |
| Noncurrent assets plus other real estate owned to assets | 0.3719% | 6,520 |
| Noncurrent loans to loans | 0.7592% | 5,751 |
| Net loans and leases to total assets | 48.5907% | 6,765 |
| Net loans and leases to deposits | 63.9342% | 6,269 |
| Net loans and leases to core deposits | 73.5340% | 6,561 |
| Total domestic deposits to total assets | 76.0011% | 6,682 |
| Equity capital to assets | 23.7241% | 192 |
| Core capital (leverage) ratio | 23.4637% | 184 |
| Tier 1 risk-based capital ratio | 39.7293% | 259 |
| Total risk-based capital ratio | 40.3836% | 263 |
| Memoranda: | ||
| Average total assets | $19,034,000 | 7,802 |
| Average earning assets | $18,042,400 | 7,758 |
| Average equity | $4,432,400 | 7,135 |
| Average total loans | $8,959,000 | 7,744 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0796% | 7,781 |
| Cost of funding earning assets | 1.9004% | 3,889 |
| Net interest margin | 2.1792% | 7,719 |
| Noninterest income to average assets | 0.1114% | 7,341 |
| Noninterest expense to average assets | 2.1092% | 7,173 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.0348% | 5,638 |
| Return on assets (ROA) | 0.0348% | 5,685 |
| Pretax return on assets | 0.0696% | 5,585 |
| Return on Equity (ROE) | 0.1502% | 5,731 |
| Retained earnings to average equity (ytd only) | 0.1502% | 5,141 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.8051% | 1,226 |
| Assets per employee ($millions) | 3.7590% | 4,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8425% | 6,980 |
| Loan loss allowance to noncurrent loans | 28.1853% | 6,588 |
| Noncurrent assets plus other real estate owned to assets | 1.3780% | 4,338 |
| Noncurrent loans to loans | 2.9890% | 2,527 |
| Net loans and leases to total assets | 45.7143% | 7,129 |
| Net loans and leases to deposits | 60.1934% | 6,818 |
| Net loans and leases to core deposits | 69.1732% | 7,006 |
| Total domestic deposits to total assets | 75.9457% | 6,593 |
| Equity capital to assets | 23.7457% | 199 |
| Core capital (leverage) ratio | 23.1001% | 206 |
| Tier 1 risk-based capital ratio | 40.6267% | 277 |
| Total risk-based capital ratio | 41.2936% | 277 |
| Memoranda: | ||
| Average total assets | $19,153,750 | 7,875 |
| Average earning assets | $18,171,000 | 7,835 |
| Average equity | $4,440,000 | 7,204 |
| Average total loans | $8,926,500 | 7,824 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2841% | 7,786 |
| Cost of funding earning assets | 1.9174% | 4,178 |
| Net interest margin | 2.3666% | 7,608 |
| Noninterest income to average assets | 0.1245% | 7,355 |
| Noninterest expense to average assets | 2.0858% | 7,303 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.2283% | 5,163 |
| Return on assets (ROA) | 0.2283% | 5,252 |
| Pretax return on assets | 0.2802% | 5,250 |
| Return on Equity (ROE) | 0.9927% | 5,637 |
| Retained earnings to average equity (ytd only) | 0.9927% | 4,780 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1579% | 1,998 |
| Assets per employee ($millions) | 3.7822% | 4,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8179% | 7,097 |
| Loan loss allowance to noncurrent loans | 41.4773% | 5,587 |
| Noncurrent assets plus other real estate owned to assets | 0.9307% | 5,114 |
| Noncurrent loans to loans | 1.9720% | 3,562 |
| Net loans and leases to total assets | 46.8087% | 7,140 |
| Net loans and leases to deposits | 61.4466% | 6,781 |
| Net loans and leases to core deposits | 69.3024% | 7,059 |
| Total domestic deposits to total assets | 76.1779% | 6,514 |
| Equity capital to assets | 23.5101% | 238 |
| Core capital (leverage) ratio | 23.1548% | 245 |
| Tier 1 risk-based capital ratio | 39.9105% | 309 |
| Total risk-based capital ratio | 40.5640% | 314 |
| Memoranda: | ||
| Average total assets | $19,273,330 | 7,951 |
| Average earning assets | $18,253,670 | 7,909 |
| Average equity | $4,432,330 | 7,264 |
| Average total loans | $9,013,670 | 7,899 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4945% | 7,721 |
| Cost of funding earning assets | 1.9418% | 4,419 |
| Net interest margin | 2.5527% | 7,439 |
| Noninterest income to average assets | 0.1439% | 7,267 |
| Noninterest expense to average assets | 2.0766% | 7,175 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.4729% | 4,552 |
| Return on assets (ROA) | 0.4729% | 4,742 |
| Pretax return on assets | 0.4729% | 5,162 |
| Return on Equity (ROE) | 2.0789% | 5,748 |
| Retained earnings to average equity (ytd only) | 2.0789% | 4,708 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4516% | 2,615 |
| Assets per employee ($millions) | 3.8730% | 3,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8108% | 7,115 |
| Loan loss allowance to noncurrent loans | 105.7971% | 2,903 |
| Noncurrent assets plus other real estate owned to assets | 0.3563% | 6,444 |
| Noncurrent loans to loans | 0.7664% | 5,514 |
| Net loans and leases to total assets | 46.1141% | 7,181 |
| Net loans and leases to deposits | 60.0780% | 6,889 |
| Net loans and leases to core deposits | 67.7182% | 7,151 |
| Total domestic deposits to total assets | 76.7570% | 6,346 |
| Equity capital to assets | 22.9176% | 280 |
| Core capital (leverage) ratio | 22.9132% | 283 |
| Tier 1 risk-based capital ratio | 39.4443% | 335 |
| Total risk-based capital ratio | 40.0902% | 337 |
| Memoranda: | ||
| Average total assets | $19,454,500 | 7,996 |
| Average earning assets | $18,333,500 | 7,951 |
| Average equity | $4,425,500 | 7,309 |
| Average total loans | $9,058,000 | 7,950 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9498% | 7,871 |
| Cost of funding earning assets | 2.0736% | 6,157 |
| Net interest margin | 2.8763% | 7,200 |
| Noninterest income to average assets | 0.1216% | 7,511 |
| Noninterest expense to average assets | 2.4107% | 6,358 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.3383% | 5,404 |
| Return on assets (ROA) | 0.3383% | 5,224 |
| Pretax return on assets | 0.4388% | 5,159 |
| Return on Equity (ROE) | 1.4476% | 5,785 |
| Retained earnings to average equity (ytd only) | 1.4476% | 4,351 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6011% | 1,999 |
| Assets per employee ($millions) | 3.9088% | 3,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8011% | 7,107 |
| Loan loss allowance to noncurrent loans | 105.7971% | 3,280 |
| Noncurrent assets plus other real estate owned to assets | 0.3530% | 6,183 |
| Noncurrent loans to loans | 0.7572% | 5,142 |
| Net loans and leases to total assets | 46.2546% | 7,306 |
| Net loans and leases to deposits | 60.0266% | 7,085 |
| Net loans and leases to core deposits | 67.6748% | 7,303 |
| Total domestic deposits to total assets | 77.0569% | 5,973 |
| Equity capital to assets | 22.5798% | 327 |
| Core capital (leverage) ratio | 22.2401% | 328 |
| Tier 1 risk-based capital ratio | 39.2977% | 355 |
| Total risk-based capital ratio | 39.9450% | 353 |
| Memoranda: | ||
| Average total assets | $18,915,800 | 8,052 |
| Average earning assets | $17,940,000 | 8,005 |
| Average equity | $4,421,000 | 7,353 |
| Average total loans | $7,063,600 | 8,078 |