Home > The Pataskala Banking Company > Performance and Condition Ratios
The Pataskala Banking Company, 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 | 4.0125% | 3,951 |
| Cost of funding earning assets | 0.1194% | 4,476 |
| Net interest margin | 3.8931% | 1,393 |
| Noninterest income to average assets | 1.3800% | 430 |
| Noninterest expense to average assets | 3.7154% | 460 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.0266% | 2,127 |
| Return on assets (ROA) | 1.0266% | 2,110 |
| Pretax return on assets | 1.2233% | 2,084 |
| Return on Equity (ROE) | 20.3700% | 581 |
| Retained earnings to average equity (ytd only) | 20.3744% | 125 |
| Net charge-offs to loans | 0.0353% | 1,605 |
| Credit loss provision to net charge-offs | 300.0000% | 959 |
| Earnings coverage of net charge-offs (x) | 63.6250% | 1,154 |
| Efficiency ratio | 74.3189% | 1,422 |
| Assets per employee ($millions) | 2.7461% | 4,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7516% | 4,051 |
| Loan loss allowance to noncurrent loans | 72.9614% | 3,449 |
| Noncurrent assets plus other real estate owned to assets | 0.6060% | 911 |
| Noncurrent loans to loans | 1.0302% | 718 |
| Net loans and leases to total assets | 58.3900% | 3,002 |
| Net loans and leases to deposits | 62.3666% | 3,386 |
| Net loans and leases to core deposits | 64.1489% | 3,584 |
| Total domestic deposits to total assets | 93.6200% | 128 |
| Equity capital to assets | 6.3700% | 4,153 |
| Core capital (leverage) ratio | 9.5407% | 3,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3173% | 1,022 |
| Memoranda: | ||
| Average total assets | $39,645,400 | 4,394 |
| Average earning assets | $36,860,000 | 4,367 |
| Average equity | $1,997,600 | 4,490 |
| Average total loans | $22,683,000 | 4,257 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9329% | 3,946 |
| Cost of funding earning assets | 0.0897% | 4,512 |
| Net interest margin | 3.8432% | 1,512 |
| Noninterest income to average assets | 1.6100% | 361 |
| Noninterest expense to average assets | 3.6449% | 468 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.2817% | 1,585 |
| Return on assets (ROA) | 1.2817% | 1,575 |
| Pretax return on assets | 1.4820% | 1,594 |
| Return on Equity (ROE) | 27.1600% | 303 |
| Retained earnings to average equity (ytd only) | 27.1647% | 117 |
| Net charge-offs to loans | 0.0235% | 1,616 |
| Credit loss provision to net charge-offs | 450.0000% | 683 |
| Earnings coverage of net charge-offs (x) | 115.5000% | 859 |
| Efficiency ratio | 70.2703% | 1,753 |
| Assets per employee ($millions) | 2.8632% | 4,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7487% | 4,072 |
| Loan loss allowance to noncurrent loans | 66.4032% | 3,499 |
| Noncurrent assets plus other real estate owned to assets | 0.6312% | 921 |
| Noncurrent loans to loans | 1.1276% | 698 |
| Net loans and leases to total assets | 55.5600% | 3,242 |
| Net loans and leases to deposits | 58.3871% | 3,588 |
| Net loans and leases to core deposits | 58.3871% | 3,768 |
| Total domestic deposits to total assets | 95.1500% | 114 |
| Equity capital to assets | 4.8397% | 4,280 |
| Core capital (leverage) ratio | 9.0152% | 3,769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3353% | 1,237 |
| Memoranda: | ||
| Average total assets | $39,945,250 | 4,409 |
| Average earning assets | $37,155,250 | 4,384 |
| Average equity | $1,884,750 | 4,515 |
| Average total loans | $22,699,500 | 4,275 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7548% | 4,075 |
| Cost of funding earning assets | 0.0646% | 4,540 |
| Net interest margin | 3.6901% | 1,835 |
| Noninterest income to average assets | 0.6100% | 1,422 |
| Noninterest expense to average assets | 3.4838% | 546 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.4812% | 3,842 |
| Return on assets (ROA) | 0.4812% | 3,855 |
| Pretax return on assets | 0.4963% | 3,969 |
| Return on Equity (ROE) | 10.2900% | 2,629 |
| Retained earnings to average equity (ytd only) | 10.2876% | 1,336 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 86.2283% | 486 |
| Assets per employee ($millions) | 2.8692% | 4,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7549% | 4,097 |
| Loan loss allowance to noncurrent loans | 125.7576% | 3,078 |
| Noncurrent assets plus other real estate owned to assets | 0.3286% | 1,608 |
| Noncurrent loans to loans | 0.6003% | 1,237 |
| Net loans and leases to total assets | 54.3300% | 3,247 |
| Net loans and leases to deposits | 57.5224% | 3,560 |
| Net loans and leases to core deposits | 57.5224% | 3,738 |
| Total domestic deposits to total assets | 94.4500% | 125 |
| Equity capital to assets | 4.7997% | 4,408 |
| Core capital (leverage) ratio | 8.3566% | 4,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4831% | 1,429 |
| Memoranda: | ||
| Average total assets | $39,898,667 | 4,432 |
| Average earning assets | $37,126,000 | 4,409 |
| Average equity | $1,866,333 | 4,550 |
| Average total loans | $22,786,667 | 4,290 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5805% | 4,175 |
| Cost of funding earning assets | 0.0433% | 4,584 |
| Net interest margin | 3.5372% | 2,269 |
| Noninterest income to average assets | 0.5600% | 1,579 |
| Noninterest expense to average assets | 3.3599% | 642 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.4024% | 4,086 |
| Return on assets (ROA) | 0.4024% | 4,033 |
| Pretax return on assets | 0.4326% | 4,080 |
| Return on Equity (ROE) | 8.7200% | 3,127 |
| Retained earnings to average equity (ytd only) | 8.7170% | 2,022 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 87.2063% | 458 |
| Assets per employee ($millions) | 2.8527% | 4,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7034% | 4,242 |
| Loan loss allowance to noncurrent loans | 46.9208% | 3,725 |
| Noncurrent assets plus other real estate owned to assets | 0.8538% | 543 |
| Noncurrent loans to loans | 1.4992% | 431 |
| Net loans and leases to total assets | 56.5500% | 3,001 |
| Net loans and leases to deposits | 59.4478% | 3,372 |
| Net loans and leases to core deposits | 59.4478% | 3,565 |
| Total domestic deposits to total assets | 95.1300% | 84 |
| Equity capital to assets | 4.8675% | 4,439 |
| Core capital (leverage) ratio | 8.2469% | 4,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9332% | 1,647 |
| Memoranda: | ||
| Average total assets | $39,763,500 | 4,498 |
| Average earning assets | $36,978,500 | 4,479 |
| Average equity | $1,835,500 | 4,619 |
| Average total loans | $23,185,000 | 4,343 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4521% | 3,202 |
| Cost of funding earning assets | 0.0205% | 4,625 |
| Net interest margin | 3.4316% | 2,148 |
| Noninterest income to average assets | 1.8200% | 282 |
| Noninterest expense to average assets | 3.4789% | 500 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 1.3522% | 1,275 |
| Return on assets (ROA) | 1.3342% | 1,288 |
| Pretax return on assets | 1.4155% | 1,726 |
| Return on Equity (ROE) | 28.1800% | 142 |
| Retained earnings to average equity (ytd only) | 28.1818% | 37 |
| Net charge-offs to loans | 0.2216% | 365 |
| Credit loss provision to net charge-offs | 93.6170% | 1,610 |
| Earnings coverage of net charge-offs (x) | 13.7021% | 2,057 |
| Efficiency ratio | 69.3187% | 1,783 |
| Assets per employee ($millions) | 2.8278% | 4,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6519% | 4,286 |
| Loan loss allowance to noncurrent loans | 43.3803% | 3,749 |
| Noncurrent assets plus other real estate owned to assets | 0.8967% | 498 |
| Noncurrent loans to loans | 1.5027% | 434 |
| Net loans and leases to total assets | 59.2800% | 2,703 |
| Net loans and leases to deposits | 61.9899% | 3,198 |
| Net loans and leases to core deposits | 61.9899% | 3,391 |
| Total domestic deposits to total assets | 95.6400% | 98 |
| Equity capital to assets | 4.3623% | 4,476 |
| Core capital (leverage) ratio | 7.9861% | 4,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5104% | 1,779 |
| Memoranda: | ||
| Average total assets | $41,823,200 | 4,511 |
| Average earning assets | $38,961,800 | 4,489 |
| Average equity | $1,980,000 | 4,677 |
| Average total loans | $21,211,600 | 4,396 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2937% | 3,195 |
| Cost of funding earning assets | 0.0169% | 4,666 |
| Net interest margin | 3.2768% | 2,368 |
| Noninterest income to average assets | 2.2200% | 236 |
| Noninterest expense to average assets | 3.4196% | 516 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.6768% | 563 |
| Return on assets (ROA) | 1.6768% | 549 |
| Pretax return on assets | 1.8026% | 729 |
| Return on Equity (ROE) | 34.7800% | 66 |
| Retained earnings to average equity (ytd only) | 34.7803% | 24 |
| Net charge-offs to loans | 0.3041% | 212 |
| Credit loss provision to net charge-offs | 38.2979% | 1,569 |
| Earnings coverage of net charge-offs (x) | 12.5745% | 1,911 |
| Efficiency ratio | 64.7795% | 2,440 |
| Assets per employee ($millions) | 3.2181% | 4,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5596% | 4,414 |
| Loan loss allowance to noncurrent loans | 35.2617% | 3,865 |
| Noncurrent assets plus other real estate owned to assets | 0.8677% | 565 |
| Noncurrent loans to loans | 1.5869% | 432 |
| Net loans and leases to total assets | 54.3700% | 3,064 |
| Net loans and leases to deposits | 56.3603% | 3,452 |
| Net loans and leases to core deposits | 56.7214% | 3,579 |
| Total domestic deposits to total assets | 96.4700% | 100 |
| Equity capital to assets | 3.5234% | 4,542 |
| Core capital (leverage) ratio | 7.5842% | 4,555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8444% | 2,115 |
| Memoranda: | ||
| Average total assets | $42,381,750 | 4,537 |
| Average earning assets | $39,508,750 | 4,518 |
| Average equity | $2,043,250 | 4,716 |
| Average total loans | $20,608,500 | 4,441 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1245% | 3,249 |
| Cost of funding earning assets | 0.0151% | 4,732 |
| Net interest margin | 3.1094% | 2,505 |
| Noninterest income to average assets | 3.0354% | 153 |
| Noninterest expense to average assets | 3.3127% | 539 |
| Loan and lease loss provision to assets | 0.0564% | 1,571 |
| Net operating income to assets | 2.3776% | 126 |
| Return on assets (ROA) | 2.3776% | 126 |
| Pretax return on assets | 2.5655% | 153 |
| Return on Equity (ROE) | 45.3202% | 19 |
| Retained earnings to average equity (ytd only) | 45.3202% | 6 |
| Net charge-offs to loans | 0.0302% | 1,125 |
| Credit loss provision to net charge-offs | 400.0000% | 697 |
| Earnings coverage of net charge-offs (x) | 186.0000% | 562 |
| Efficiency ratio | 55.8195% | 3,795 |
| Assets per employee ($millions) | 3.0906% | 4,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7585% | 4,241 |
| Loan loss allowance to noncurrent loans | 44.2667% | 3,849 |
| Noncurrent assets plus other real estate owned to assets | 0.8667% | 594 |
| Noncurrent loans to loans | 1.7135% | 403 |
| Net loans and leases to total assets | 50.1965% | 3,359 |
| Net loans and leases to deposits | 52.7570% | 3,629 |
| Net loans and leases to core deposits | 53.0884% | 3,751 |
| Total domestic deposits to total assets | 95.1465% | 131 |
| Equity capital to assets | 4.8512% | 4,503 |
| Core capital (leverage) ratio | 7.4380% | 4,586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0303% | 2,049 |
| Memoranda: | ||
| Average total assets | $42,564,000 | 4,584 |
| Average earning assets | $39,686,000 | 4,570 |
| Average equity | $2,233,000 | 4,730 |
| Average total loans | $19,853,000 | 4,505 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0541% | 3,099 |
| Cost of funding earning assets | 0.0203% | 4,735 |
| Net interest margin | 3.0338% | 2,389 |
| Noninterest income to average assets | 0.5496% | 1,898 |
| Noninterest expense to average assets | 3.1176% | 677 |
| Loan and lease loss provision to assets | 0.0569% | 1,371 |
| Net operating income to assets | 0.2085% | 4,318 |
| Return on assets (ROA) | 0.2085% | 4,285 |
| Pretax return on assets | 0.2085% | 4,319 |
| Return on Equity (ROE) | 3.8261% | 3,924 |
| Retained earnings to average equity (ytd only) | 3.8261% | 3,000 |
| Net charge-offs to loans | 0.0637% | 690 |
| Credit loss provision to net charge-offs | 200.0000% | 773 |
| Earnings coverage of net charge-offs (x) | 9.3333% | 1,492 |
| Efficiency ratio | 92.1569% | 459 |
| Assets per employee ($millions) | 3.0304% | 4,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8306% | 4,196 |
| Loan loss allowance to noncurrent loans | 40.1003% | 3,923 |
| Noncurrent assets plus other real estate owned to assets | 1.1455% | 393 |
| Noncurrent loans to loans | 2.0713% | 343 |
| Net loans and leases to total assets | 45.0266% | 3,654 |
| Net loans and leases to deposits | 47.2192% | 3,917 |
| Net loans and leases to core deposits | 47.5211% | 4,007 |
| Total domestic deposits to total assets | 95.3566% | 24 |
| Equity capital to assets | 4.6410% | 4,750 |
| Core capital (leverage) ratio | 6.3976% | 4,756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9575% | 2,226 |
| Memoranda: | ||
| Average total assets | $42,212,000 | 4,608 |
| Average earning assets | $39,422,500 | 4,597 |
| Average equity | $2,300,000 | 4,751 |
| Average total loans | $18,837,000 | 4,540 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1986% | 3,475 |
| Cost of funding earning assets | 0.0239% | 4,770 |
| Net interest margin | 3.1747% | 2,669 |
| Noninterest income to average assets | 0.5975% | 2,168 |
| Noninterest expense to average assets | 3.6147% | 423 |
| Loan and lease loss provision to assets | 0.0593% | 1,875 |
| Net operating income to assets | -0.1185% | 4,710 |
| Return on assets (ROA) | -0.0938% | 4,712 |
| Pretax return on assets | -0.0938% | 4,709 |
| Return on Equity (ROE) | -1.4222% | 4,722 |
| Retained earnings to average equity (ytd only) | -1.4222% | 4,596 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.6667% | 134 |
| Assets per employee ($millions) | 2.9999% | 4,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8528% | 4,170 |
| Loan loss allowance to noncurrent loans | 38.4804% | 3,976 |
| Noncurrent assets plus other real estate owned to assets | 1.1834% | 420 |
| Noncurrent loans to loans | 2.2161% | 332 |
| Net loans and leases to total assets | 43.4640% | 3,874 |
| Net loans and leases to deposits | 46.3700% | 4,076 |
| Net loans and leases to core deposits | 46.6747% | 4,157 |
| Total domestic deposits to total assets | 93.7330% | 18 |
| Equity capital to assets | 6.2646% | 4,804 |
| Core capital (leverage) ratio | 6.3117% | 4,808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3645% | 2,091 |
| Memoranda: | ||
| Average total assets | $40,501,600 | 4,657 |
| Average earning assets | $37,735,800 | 4,638 |
| Average equity | $2,672,000 | 4,777 |
| Average total loans | $19,643,000 | 4,575 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3013% | 3,386 |
| Cost of funding earning assets | 0.0179% | 4,862 |
| Net interest margin | 3.2834% | 2,466 |
| Noninterest income to average assets | 0.6114% | 2,167 |
| Noninterest expense to average assets | 3.7313% | 361 |
| Loan and lease loss provision to assets | 0.0598% | 1,797 |
| Net operating income to assets | -0.1263% | 4,779 |
| Return on assets (ROA) | -0.1263% | 4,787 |
| Pretax return on assets | -0.1263% | 4,784 |
| Return on Equity (ROE) | -1.8889% | 4,803 |
| Retained earnings to average equity (ytd only) | -1.8889% | 4,699 |
| Net charge-offs to loans | -0.0067% | 3,523 |
| Credit loss provision to net charge-offs | -1,800.0000% | 3,972 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.8132% | 142 |
| Assets per employee ($millions) | 2.9068% | 4,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7742% | 4,389 |
| Loan loss allowance to noncurrent loans | 36.2981% | 4,079 |
| Noncurrent assets plus other real estate owned to assets | 1.0222% | 634 |
| Noncurrent loans to loans | 2.1329% | 394 |
| Net loans and leases to total assets | 47.5562% | 3,669 |
| Net loans and leases to deposits | 50.8794% | 3,962 |
| Net loans and leases to core deposits | 51.2255% | 4,071 |
| Total domestic deposits to total assets | 93.4685% | 21 |
| Equity capital to assets | 6.5291% | 4,865 |
| Core capital (leverage) ratio | 6.4986% | 4,870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3419% | 2,239 |
| Memoranda: | ||
| Average total assets | $40,127,500 | 4,728 |
| Average earning assets | $37,318,250 | 4,712 |
| Average equity | $2,682,250 | 4,848 |
| Average total loans | $19,951,000 | 4,636 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3603% | 3,287 |
| Cost of funding earning assets | 0.0216% | 4,893 |
| Net interest margin | 3.3387% | 2,334 |
| Noninterest income to average assets | 0.6059% | 2,192 |
| Noninterest expense to average assets | 3.8459% | 325 |
| Loan and lease loss provision to assets | 0.0601% | 1,830 |
| Net operating income to assets | -0.2003% | 4,830 |
| Return on assets (ROA) | -0.2003% | 4,835 |
| Pretax return on assets | -0.2003% | 4,832 |
| Return on Equity (ROE) | -2.9732% | 4,857 |
| Retained earnings to average equity (ytd only) | -2.9732% | 4,719 |
| Net charge-offs to loans | -0.0100% | 3,667 |
| Credit loss provision to net charge-offs | -1,200.0000% | 3,705 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.7838% | 133 |
| Assets per employee ($millions) | 2.4827% | 4,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7167% | 4,505 |
| Loan loss allowance to noncurrent loans | 29.7741% | 4,166 |
| Noncurrent assets plus other real estate owned to assets | 1.2260% | 545 |
| Noncurrent loans to loans | 2.4072% | 353 |
| Net loans and leases to total assets | 50.5652% | 3,501 |
| Net loans and leases to deposits | 54.2001% | 3,848 |
| Net loans and leases to core deposits | 54.5786% | 3,990 |
| Total domestic deposits to total assets | 93.2936% | 22 |
| Equity capital to assets | 6.7039% | 4,882 |
| Core capital (leverage) ratio | 6.3913% | 4,910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3266% | 2,239 |
| Memoranda: | ||
| Average total assets | $39,938,333 | 4,763 |
| Average earning assets | $37,080,000 | 4,744 |
| Average equity | $2,690,667 | 4,881 |
| Average total loans | $20,100,000 | 4,666 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1729% | 3,735 |
| Cost of funding earning assets | 0.0215% | 4,926 |
| Net interest margin | 3.1514% | 2,836 |
| Noninterest income to average assets | 0.6293% | 2,093 |
| Noninterest expense to average assets | 3.9654% | 294 |
| Loan and lease loss provision to assets | 0.0599% | 1,923 |
| Net operating income to assets | -0.4695% | 4,885 |
| Return on assets (ROA) | -0.4695% | 4,888 |
| Pretax return on assets | -0.4695% | 4,887 |
| Return on Equity (ROE) | -6.9514% | 4,914 |
| Retained earnings to average equity (ytd only) | -6.9514% | 4,746 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.5169% | 103 |
| Assets per employee ($millions) | 2.3952% | 4,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6760% | 4,606 |
| Loan loss allowance to noncurrent loans | 31.4480% | 4,201 |
| Noncurrent assets plus other real estate owned to assets | 1.0855% | 740 |
| Noncurrent loans to loans | 2.1495% | 472 |
| Net loans and leases to total assets | 50.1596% | 3,609 |
| Net loans and leases to deposits | 53.6007% | 3,967 |
| Net loans and leases to core deposits | 54.6930% | 4,065 |
| Total domestic deposits to total assets | 93.5802% | 15 |
| Equity capital to assets | 6.4198% | 4,909 |
| Core capital (leverage) ratio | 6.5838% | 4,933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1100% | 2,623 |
| Memoranda: | ||
| Average total assets | $40,046,000 | 4,785 |
| Average earning assets | $37,189,500 | 4,764 |
| Average equity | $2,704,500 | 4,905 |
| Average total loans | $20,034,500 | 4,692 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9257% | 2,949 |
| Cost of funding earning assets | 0.0266% | 4,967 |
| Net interest margin | 3.8991% | 1,213 |
| Noninterest income to average assets | 0.6584% | 1,991 |
| Noninterest expense to average assets | 4.2239% | 305 |
| Loan and lease loss provision to assets | 0.0656% | 3,558 |
| Net operating income to assets | -0.0328% | 4,749 |
| Return on assets (ROA) | 0.2951% | 4,503 |
| Pretax return on assets | 0.2951% | 4,551 |
| Return on Equity (ROE) | 3.9694% | 4,165 |
| Retained earnings to average equity (ytd only) | 3.2711% | 3,193 |
| Net charge-offs to loans | 0.0153% | 2,806 |
| Credit loss provision to net charge-offs | 800.0000% | 900 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 3,038 |
| Efficiency ratio | 99.2298% | 188 |
| Assets per employee ($millions) | 2.3161% | 4,902 |
| Cash dividends to net income (ytd only)* | 17.5926% | 3,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6767% | 4,626 |
| Loan loss allowance to noncurrent loans | 29.6629% | 4,283 |
| Noncurrent assets plus other real estate owned to assets | 1.1302% | 801 |
| Noncurrent loans to loans | 2.2813% | 469 |
| Net loans and leases to total assets | 49.2051% | 3,889 |
| Net loans and leases to deposits | 53.0286% | 4,159 |
| Net loans and leases to core deposits | 54.1567% | 4,248 |
| Total domestic deposits to total assets | 92.7897% | 19 |
| Equity capital to assets | 7.0986% | 4,907 |
| Core capital (leverage) ratio | 6.8760% | 4,947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8823% | 2,287 |
| Memoranda: | ||
| Average total assets | $36,601,600 | 4,813 |
| Average earning assets | $33,777,200 | 4,800 |
| Average equity | $2,720,800 | 4,925 |
| Average total loans | $19,634,600 | 4,725 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1246% | 2,603 |
| Cost of funding earning assets | 0.0282% | 5,002 |
| Net interest margin | 4.0964% | 904 |
| Noninterest income to average assets | 0.6721% | 1,896 |
| Noninterest expense to average assets | 4.2923% | 299 |
| Loan and lease loss provision to assets | 0.0752% | 3,383 |
| Net operating income to assets | 0.0780% | 4,721 |
| Return on assets (ROA) | 0.0780% | 4,746 |
| Pretax return on assets | 0.0780% | 4,746 |
| Return on Equity (ROE) | 1.0361% | 4,704 |
| Retained earnings to average equity (ytd only) | 0.0987% | 4,461 |
| Net charge-offs to loans | 0.0271% | 2,291 |
| Credit loss provision to net charge-offs | 500.0000% | 1,276 |
| Earnings coverage of net charge-offs (x) | 10.2500% | 2,368 |
| Efficiency ratio | 96.5748% | 214 |
| Assets per employee ($millions) | 2.0987% | 4,948 |
| Cash dividends to net income (ytd only)* | 90.4762% | 425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6312% | 4,685 |
| Loan loss allowance to noncurrent loans | 28.1596% | 4,331 |
| Noncurrent assets plus other real estate owned to assets | 1.1938% | 848 |
| Noncurrent loans to loans | 2.2416% | 512 |
| Net loans and leases to total assets | 52.9237% | 3,897 |
| Net loans and leases to deposits | 57.2242% | 4,201 |
| Net loans and leases to core deposits | 58.4967% | 4,278 |
| Total domestic deposits to total assets | 92.4848% | 25 |
| Equity capital to assets | 7.3193% | 4,896 |
| Core capital (leverage) ratio | 6.8507% | 4,979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4874% | 2,424 |
| Memoranda: | ||
| Average total assets | $35,908,500 | 4,849 |
| Average earning assets | $33,069,000 | 4,834 |
| Average equity | $2,702,250 | 4,955 |
| Average total loans | $19,666,750 | 4,756 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2602% | 2,579 |
| Cost of funding earning assets | 0.0308% | 5,037 |
| Net interest margin | 4.2294% | 858 |
| Noninterest income to average assets | 0.6745% | 1,836 |
| Noninterest expense to average assets | 4.2340% | 319 |
| Loan and lease loss provision to assets | 0.0680% | 3,444 |
| Net operating income to assets | 0.2607% | 4,484 |
| Return on assets (ROA) | 0.2607% | 4,528 |
| Pretax return on assets | 0.2607% | 4,576 |
| Return on Equity (ROE) | 3.4311% | 4,254 |
| Retained earnings to average equity (ytd only) | 2.0139% | 3,748 |
| Net charge-offs to loans | 0.0307% | 2,108 |
| Credit loss provision to net charge-offs | 400.0000% | 1,403 |
| Earnings coverage of net charge-offs (x) | 19.3333% | 1,726 |
| Efficiency ratio | 92.7950% | 323 |
| Assets per employee ($millions) | 2.0666% | 4,987 |
| Cash dividends to net income (ytd only)* | 41.3043% | 1,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5999% | 4,741 |
| Loan loss allowance to noncurrent loans | 20.7254% | 4,456 |
| Noncurrent assets plus other real estate owned to assets | 1.5565% | 586 |
| Noncurrent loans to loans | 2.8947% | 355 |
| Net loans and leases to total assets | 53.4477% | 3,922 |
| Net loans and leases to deposits | 57.7814% | 4,234 |
| Net loans and leases to core deposits | 59.0865% | 4,303 |
| Total domestic deposits to total assets | 92.4998% | 27 |
| Equity capital to assets | 7.3685% | 4,909 |
| Core capital (leverage) ratio | 7.2314% | 4,978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4395% | 2,424 |
| Memoranda: | ||
| Average total assets | $35,285,667 | 4,877 |
| Average earning assets | $32,439,667 | 4,868 |
| Average equity | $2,681,333 | 4,986 |
| Average total loans | $19,515,667 | 4,784 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1540% | 3,368 |
| Cost of funding earning assets | 0.0254% | 5,088 |
| Net interest margin | 4.1286% | 1,078 |
| Noninterest income to average assets | 0.6991% | 1,652 |
| Noninterest expense to average assets | 4.1364% | 433 |
| Loan and lease loss provision to assets | 0.0699% | 2,866 |
| Net operating income to assets | 0.2796% | 4,388 |
| Return on assets (ROA) | 0.2796% | 4,408 |
| Pretax return on assets | 0.2796% | 4,482 |
| Return on Equity (ROE) | 3.6206% | 4,061 |
| Retained earnings to average equity (ytd only) | 0.7543% | 3,805 |
| Net charge-offs to loans | 0.0623% | 1,388 |
| Credit loss provision to net charge-offs | 200.0000% | 1,417 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 1,792 |
| Efficiency ratio | 92.2078% | 423 |
| Assets per employee ($millions) | 1.8718% | 5,034 |
| Cash dividends to net income (ytd only)* | 79.1667% | 1,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5862% | 4,775 |
| Loan loss allowance to noncurrent loans | 19.6213% | 4,512 |
| Noncurrent assets plus other real estate owned to assets | 1.7244% | 560 |
| Noncurrent loans to loans | 2.9875% | 361 |
| Net loans and leases to total assets | 57.3828% | 3,718 |
| Net loans and leases to deposits | 62.3919% | 4,079 |
| Net loans and leases to core deposits | 63.9606% | 4,171 |
| Total domestic deposits to total assets | 91.9716% | 40 |
| Equity capital to assets | 7.9482% | 4,981 |
| Core capital (leverage) ratio | 7.6589% | 5,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2134% | 2,192 |
| Memoranda: | ||
| Average total assets | $34,329,000 | 4,923 |
| Average earning assets | $31,488,000 | 4,912 |
| Average equity | $2,651,500 | 5,035 |
| Average total loans | $19,272,500 | 4,819 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4830% | 3,002 |
| Cost of funding earning assets | 0.0353% | 5,151 |
| Net interest margin | 4.4477% | 803 |
| Noninterest income to average assets | 0.7750% | 1,529 |
| Noninterest expense to average assets | 4.3905% | 343 |
| Loan and lease loss provision to assets | 0.0589% | 2,858 |
| Net operating income to assets | 0.4066% | 4,584 |
| Return on assets (ROA) | 0.4066% | 4,617 |
| Pretax return on assets | 0.4066% | 4,700 |
| Return on Equity (ROE) | 5.5209% | 4,058 |
| Retained earnings to average equity (ytd only) | 5.5209% | 2,149 |
| Net charge-offs to loans | 0.0050% | 3,493 |
| Credit loss provision to net charge-offs | 2,000.0000% | 186 |
| Earnings coverage of net charge-offs (x) | 158.0000% | 478 |
| Efficiency ratio | 90.4126% | 341 |
| Assets per employee ($millions) | 1.9425% | 5,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5812% | 4,776 |
| Loan loss allowance to noncurrent loans | 23.8710% | 4,507 |
| Noncurrent assets plus other real estate owned to assets | 1.3299% | 818 |
| Noncurrent loans to loans | 2.4349% | 454 |
| Net loans and leases to total assets | 54.3000% | 4,059 |
| Net loans and leases to deposits | 58.7129% | 4,343 |
| Net loans and leases to core deposits | 60.1241% | 4,436 |
| Total domestic deposits to total assets | 92.4839% | 23 |
| Equity capital to assets | 7.5075% | 5,110 |
| Core capital (leverage) ratio | 7.4695% | 5,105 |
| Tier 1 risk-based capital ratio | 13.6022% | 3,457 |
| Total risk-based capital ratio | 14.1820% | 3,704 |
| Memoranda: | ||
| Average total assets | $33,937,000 | 4,977 |
| Average earning assets | $31,139,600 | 4,973 |
| Average equity | $2,499,600 | 5,102 |
| Average total loans | $19,840,600 | 4,862 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5330% | 2,953 |
| Cost of funding earning assets | 0.0345% | 5,229 |
| Net interest margin | 4.4984% | 767 |
| Noninterest income to average assets | 0.7838% | 1,472 |
| Noninterest expense to average assets | 4.4219% | 322 |
| Loan and lease loss provision to assets | 0.0554% | 2,802 |
| Net operating income to assets | 0.4315% | 4,655 |
| Return on assets (ROA) | 0.4315% | 4,690 |
| Pretax return on assets | 0.4315% | 4,772 |
| Return on Equity (ROE) | 5.8880% | 4,073 |
| Retained earnings to average equity (ytd only) | 5.8880% | 2,423 |
| Net charge-offs to loans | -0.0066% | 4,274 |
| Credit loss provision to net charge-offs | -1,400.0000% | 4,475 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0806% | 321 |
| Assets per employee ($millions) | 2.1045% | 5,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5322% | 4,929 |
| Loan loss allowance to noncurrent loans | 29.3629% | 4,509 |
| Noncurrent assets plus other real estate owned to assets | 1.0721% | 1,230 |
| Noncurrent loans to loans | 1.8124% | 788 |
| Net loans and leases to total assets | 58.8382% | 3,793 |
| Net loans and leases to deposits | 63.7862% | 4,184 |
| Net loans and leases to core deposits | 65.3840% | 4,310 |
| Total domestic deposits to total assets | 92.2428% | 32 |
| Equity capital to assets | 7.7364% | 5,168 |
| Core capital (leverage) ratio | 7.7220% | 5,158 |
| Tier 1 risk-based capital ratio | 13.9453% | 3,356 |
| Total risk-based capital ratio | 14.5180% | 3,609 |
| Memoranda: | ||
| Average total assets | $33,680,000 | 5,054 |
| Average earning assets | $30,884,250 | 5,050 |
| Average equity | $2,468,250 | 5,180 |
| Average total loans | $20,026,500 | 4,936 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4879% | 3,054 |
| Cost of funding earning assets | 0.0324% | 5,275 |
| Net interest margin | 4.4555% | 842 |
| Noninterest income to average assets | 0.7600% | 1,477 |
| Noninterest expense to average assets | 4.4355% | 324 |
| Loan and lease loss provision to assets | 0.0475% | 2,866 |
| Net operating income to assets | 0.3622% | 4,786 |
| Return on assets (ROA) | 0.3622% | 4,804 |
| Pretax return on assets | 0.3622% | 4,875 |
| Return on Equity (ROE) | 5.0358% | 4,335 |
| Retained earnings to average equity (ytd only) | 5.0358% | 2,754 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5441% | 294 |
| Assets per employee ($millions) | 2.0362% | 5,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4927% | 5,030 |
| Loan loss allowance to noncurrent loans | 20.7039% | 4,662 |
| Noncurrent assets plus other real estate owned to assets | 1.3953% | 860 |
| Noncurrent loans to loans | 2.3798% | 527 |
| Net loans and leases to total assets | 58.3430% | 3,879 |
| Net loans and leases to deposits | 62.9512% | 4,277 |
| Net loans and leases to core deposits | 64.4766% | 4,392 |
| Total domestic deposits to total assets | 92.6797% | 19 |
| Equity capital to assets | 7.3174% | 5,250 |
| Core capital (leverage) ratio | 7.3693% | 5,241 |
| Tier 1 risk-based capital ratio | 13.4044% | 3,627 |
| Total risk-based capital ratio | 13.9349% | 3,921 |
| Memoranda: | ||
| Average total assets | $33,682,670 | 5,097 |
| Average earning assets | $30,883,000 | 5,088 |
| Average equity | $2,422,670 | 5,224 |
| Average total loans | $20,062,670 | 4,979 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3948% | 3,247 |
| Cost of funding earning assets | 0.0263% | 5,340 |
| Net interest margin | 4.3685% | 972 |
| Noninterest income to average assets | 0.7105% | 1,578 |
| Noninterest expense to average assets | 4.4196% | 323 |
| Loan and lease loss provision to assets | 0.0241% | 3,117 |
| Net operating income to assets | 0.2649% | 4,941 |
| Return on assets (ROA) | 0.2649% | 4,948 |
| Pretax return on assets | 0.2649% | 4,988 |
| Return on Equity (ROE) | 3.7170% | 4,632 |
| Retained earnings to average equity (ytd only) | 3.7170% | 3,437 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8619% | 279 |
| Assets per employee ($millions) | 1.9849% | 5,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4728% | 5,110 |
| Loan loss allowance to noncurrent loans | 24.4156% | 4,687 |
| Noncurrent assets plus other real estate owned to assets | 1.1409% | 1,193 |
| Noncurrent loans to loans | 1.9364% | 778 |
| Net loans and leases to total assets | 58.6415% | 3,819 |
| Net loans and leases to deposits | 63.1760% | 4,236 |
| Net loans and leases to core deposits | 64.7428% | 4,343 |
| Total domestic deposits to total assets | 92.8224% | 27 |
| Equity capital to assets | 7.1746% | 5,295 |
| Core capital (leverage) ratio | 7.7021% | 5,258 |
| Tier 1 risk-based capital ratio | 13.3020% | 3,716 |
| Total risk-based capital ratio | 13.8045% | 4,009 |
| Memoranda: | ||
| Average total assets | $33,216,000 | 5,158 |
| Average earning assets | $30,399,500 | 5,144 |
| Average equity | $2,367,500 | 5,285 |
| Average total loans | $19,946,000 | 5,040 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3081% | 3,075 |
| Cost of funding earning assets | 0.0425% | 5,368 |
| Net interest margin | 4.2656% | 1,239 |
| Noninterest income to average assets | 0.8093% | 1,416 |
| Noninterest expense to average assets | 4.2854% | 368 |
| Loan and lease loss provision to assets | 0.0597% | 2,970 |
| Net operating income to assets | 0.3584% | 4,925 |
| Return on assets (ROA) | 0.3584% | 4,923 |
| Pretax return on assets | 0.3584% | 4,984 |
| Return on Equity (ROE) | 5.3557% | 4,365 |
| Retained earnings to average equity (ytd only) | 5.3557% | 2,554 |
| Net charge-offs to loans | 0.0361% | 2,677 |
| Credit loss provision to net charge-offs | 285.7143% | 1,066 |
| Earnings coverage of net charge-offs (x) | 20.0000% | 2,023 |
| Efficiency ratio | 91.1111% | 306 |
| Assets per employee ($millions) | 1.9228% | 5,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4598% | 5,166 |
| Loan loss allowance to noncurrent loans | 73.6000% | 3,855 |
| Noncurrent assets plus other real estate owned to assets | 0.3824% | 3,030 |
| Noncurrent loans to loans | 0.6247% | 2,423 |
| Net loans and leases to total assets | 60.9337% | 3,672 |
| Net loans and leases to deposits | 65.5780% | 4,149 |
| Net loans and leases to core deposits | 67.2565% | 4,282 |
| Total domestic deposits to total assets | 92.9179% | 37 |
| Equity capital to assets | 7.0791% | 5,326 |
| Core capital (leverage) ratio | 7.5096% | 5,322 |
| Tier 1 risk-based capital ratio | 13.1128% | 3,781 |
| Total risk-based capital ratio | 13.6020% | 4,086 |
| Memoranda: | ||
| Average total assets | $33,485,800 | 5,199 |
| Average earning assets | $30,570,200 | 5,187 |
| Average equity | $2,240,600 | 5,336 |
| Average total loans | $19,385,800 | 5,091 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2327% | 3,194 |
| Cost of funding earning assets | 0.0390% | 5,442 |
| Net interest margin | 4.1937% | 1,373 |
| Noninterest income to average assets | 0.8074% | 1,447 |
| Noninterest expense to average assets | 4.1719% | 411 |
| Loan and lease loss provision to assets | 0.0436% | 3,120 |
| Net operating income to assets | 0.4196% | 4,915 |
| Return on assets (ROA) | 0.4196% | 4,922 |
| Pretax return on assets | 0.4196% | 5,015 |
| Return on Equity (ROE) | 6.3598% | 4,153 |
| Retained earnings to average equity (ytd only) | 6.3598% | 2,449 |
| Net charge-offs to loans | 0.0277% | 2,552 |
| Credit loss provision to net charge-offs | 275.0000% | 1,095 |
| Earnings coverage of net charge-offs (x) | 29.2683% | 1,637 |
| Efficiency ratio | 90.0085% | 324 |
| Assets per employee ($millions) | 1.7978% | 5,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4207% | 5,264 |
| Loan loss allowance to noncurrent loans | 67.4603% | 4,040 |
| Noncurrent assets plus other real estate owned to assets | 0.3894% | 3,130 |
| Noncurrent loans to loans | 0.6236% | 2,529 |
| Net loans and leases to total assets | 62.1786% | 3,638 |
| Net loans and leases to deposits | 66.8028% | 4,142 |
| Net loans and leases to core deposits | 68.5273% | 4,276 |
| Total domestic deposits to total assets | 93.0779% | 30 |
| Equity capital to assets | 6.9190% | 5,395 |
| Core capital (leverage) ratio | 7.4409% | 5,401 |
| Tier 1 risk-based capital ratio | 13.0066% | 3,900 |
| Total risk-based capital ratio | 13.4575% | 4,265 |
| Memoranda: | ||
| Average total assets | $33,685,250 | 5,264 |
| Average earning assets | $30,744,000 | 5,254 |
| Average equity | $2,222,250 | 5,406 |
| Average total loans | $19,229,750 | 5,153 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0703% | 3,550 |
| Cost of funding earning assets | 0.0385% | 5,504 |
| Net interest margin | 4.0318% | 1,754 |
| Noninterest income to average assets | 0.7853% | 1,516 |
| Noninterest expense to average assets | 4.0144% | 520 |
| Loan and lease loss provision to assets | 0.0176% | 3,544 |
| Net operating income to assets | 0.4395% | 4,876 |
| Return on assets (ROA) | 0.4395% | 4,881 |
| Pretax return on assets | 0.4395% | 5,002 |
| Return on Equity (ROE) | 6.7669% | 3,968 |
| Retained earnings to average equity (ytd only) | 6.7669% | 2,179 |
| Net charge-offs to loans | 0.0317% | 2,219 |
| Credit loss provision to net charge-offs | 100.0000% | 2,011 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 1,615 |
| Efficiency ratio | 89.7772% | 381 |
| Assets per employee ($millions) | 2.2941% | 5,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4035% | 5,352 |
| Loan loss allowance to noncurrent loans | 61.2403% | 4,189 |
| Noncurrent assets plus other real estate owned to assets | 0.3749% | 3,245 |
| Noncurrent loans to loans | 0.6588% | 2,464 |
| Net loans and leases to total assets | 56.6692% | 4,107 |
| Net loans and leases to deposits | 60.5998% | 4,499 |
| Net loans and leases to core deposits | 62.0596% | 4,597 |
| Total domestic deposits to total assets | 93.5139% | 24 |
| Equity capital to assets | 6.4832% | 5,486 |
| Core capital (leverage) ratio | 7.1803% | 5,471 |
| Tier 1 risk-based capital ratio | 12.6482% | 4,096 |
| Total risk-based capital ratio | 13.0607% | 4,500 |
| Memoranda: | ||
| Average total assets | $34,127,000 | 5,322 |
| Average earning assets | $31,201,670 | 5,316 |
| Average equity | $2,216,670 | 5,471 |
| Average total loans | $18,904,330 | 5,218 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9655% | 3,735 |
| Cost of funding earning assets | 0.0386% | 5,568 |
| Net interest margin | 3.9269% | 1,942 |
| Noninterest income to average assets | 0.7533% | 1,610 |
| Noninterest expense to average assets | 3.9194% | 576 |
| Loan and lease loss provision to assets | 0.0118% | 3,375 |
| Net operating income to assets | 0.4120% | 4,906 |
| Return on assets (ROA) | 0.4120% | 4,909 |
| Pretax return on assets | 0.4120% | 5,020 |
| Return on Equity (ROE) | 6.3363% | 4,041 |
| Retained earnings to average equity (ytd only) | 6.3363% | 2,571 |
| Net charge-offs to loans | 0.0431% | 1,687 |
| Credit loss provision to net charge-offs | 50.0000% | 1,944 |
| Earnings coverage of net charge-offs (x) | 18.0000% | 1,553 |
| Efficiency ratio | 90.2439% | 433 |
| Assets per employee ($millions) | 2.1174% | 5,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4054% | 5,425 |
| Loan loss allowance to noncurrent loans | 2,600.0000% | 269 |
| Noncurrent assets plus other real estate owned to assets | 0.0089% | 5,086 |
| Noncurrent loans to loans | 0.0156% | 4,923 |
| Net loans and leases to total assets | 56.5660% | 4,075 |
| Net loans and leases to deposits | 60.4810% | 4,439 |
| Net loans and leases to core deposits | 61.9613% | 4,552 |
| Total domestic deposits to total assets | 93.5270% | 24 |
| Equity capital to assets | 6.4701% | 5,542 |
| Core capital (leverage) ratio | 7.2828% | 5,527 |
| Tier 1 risk-based capital ratio | 12.7838% | 4,065 |
| Total risk-based capital ratio | 13.2016% | 4,472 |
| Memoranda: | ||
| Average total assets | $33,984,500 | 5,376 |
| Average earning assets | $31,068,000 | 5,371 |
| Average equity | $2,209,500 | 5,530 |
| Average total loans | $18,566,500 | 5,287 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0535% | 3,233 |
| Cost of funding earning assets | 0.0511% | 5,615 |
| Net interest margin | 4.0025% | 1,748 |
| Noninterest income to average assets | 0.8689% | 1,359 |
| Noninterest expense to average assets | 4.4464% | 330 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.0431% | 5,311 |
| Return on assets (ROA) | 0.0493% | 5,315 |
| Pretax return on assets | 0.0493% | 5,408 |
| Return on Equity (ROE) | 0.7277% | 5,280 |
| Retained earnings to average equity (ytd only) | 0.7277% | 4,748 |
| Net charge-offs to loans | 0.0830% | 2,271 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 3,939 |
| Efficiency ratio | 99.0391% | 190 |
| Assets per employee ($millions) | 2.2727% | 5,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4416% | 5,456 |
| Loan loss allowance to noncurrent loans | 1,128.5714% | 571 |
| Noncurrent assets plus other real estate owned to assets | 0.0205% | 5,052 |
| Noncurrent loans to loans | 0.0391% | 4,834 |
| Net loans and leases to total assets | 52.2499% | 4,503 |
| Net loans and leases to deposits | 55.9036% | 4,807 |
| Net loans and leases to core deposits | 57.2641% | 4,886 |
| Total domestic deposits to total assets | 93.4644% | 21 |
| Equity capital to assets | 6.5327% | 5,612 |
| Core capital (leverage) ratio | 7.1832% | 5,587 |
| Tier 1 risk-based capital ratio | 13.0483% | 3,880 |
| Total risk-based capital ratio | 13.4864% | 4,273 |
| Memoranda: | ||
| Average total assets | $32,453,200 | 5,459 |
| Average earning assets | $29,357,000 | 5,452 |
| Average equity | $2,198,600 | 5,592 |
| Average total loans | $16,868,000 | 5,395 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8295% | 3,902 |
| Cost of funding earning assets | 0.0461% | 5,687 |
| Net interest margin | 3.7833% | 2,465 |
| Noninterest income to average assets | 0.8696% | 1,374 |
| Noninterest expense to average assets | 4.4854% | 318 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -0.2039% | 5,579 |
| Return on assets (ROA) | -0.1956% | 5,582 |
| Pretax return on assets | -0.1956% | 5,576 |
| Return on Equity (ROE) | -2.8597% | 5,605 |
| Retained earnings to average equity (ytd only) | -2.8597% | 5,477 |
| Net charge-offs to loans | 0.1124% | 1,668 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | -3.4992% | 3,745 |
| Efficiency ratio | 104.7619% | 125 |
| Assets per employee ($millions) | 2.1477% | 5,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4682% | 5,506 |
| Loan loss allowance to noncurrent loans | 21.3514% | 5,053 |
| Noncurrent assets plus other real estate owned to assets | 1.4465% | 1,059 |
| Noncurrent loans to loans | 2.1927% | 746 |
| Net loans and leases to total assets | 52.1325% | 4,556 |
| Net loans and leases to deposits | 55.9852% | 4,875 |
| Net loans and leases to core deposits | 57.4325% | 4,935 |
| Total domestic deposits to total assets | 93.1183% | 21 |
| Equity capital to assets | 6.8786% | 5,670 |
| Core capital (leverage) ratio | 7.2581% | 5,645 |
| Tier 1 risk-based capital ratio | 14.4152% | 3,231 |
| Total risk-based capital ratio | 14.9125% | 3,535 |
| Memoranda: | ||
| Average total assets | $32,044,000 | 5,523 |
| Average earning assets | $28,898,000 | 5,518 |
| Average equity | $2,191,500 | 5,657 |
| Average total loans | $16,612,250 | 5,464 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7504% | 4,073 |
| Cost of funding earning assets | 0.0486% | 5,723 |
| Net interest margin | 3.7018% | 2,653 |
| Noninterest income to average assets | 0.8378% | 1,448 |
| Noninterest expense to average assets | 4.5206% | 314 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -0.3501% | 5,661 |
| Return on assets (ROA) | -0.3501% | 5,660 |
| Pretax return on assets | -0.3501% | 5,644 |
| Return on Equity (ROE) | -5.1298% | 5,685 |
| Retained earnings to average equity (ytd only) | -5.1298% | 5,540 |
| Net charge-offs to loans | 0.1452% | 1,282 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | -4.6667% | 3,460 |
| Efficiency ratio | 108.3958% | 113 |
| Assets per employee ($millions) | 1.9347% | 5,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4993% | 5,520 |
| Loan loss allowance to noncurrent loans | 22.0430% | 5,088 |
| Noncurrent assets plus other real estate owned to assets | 1.5054% | 1,006 |
| Noncurrent loans to loans | 2.2651% | 707 |
| Net loans and leases to total assets | 52.7895% | 4,500 |
| Net loans and leases to deposits | 56.8561% | 4,814 |
| Net loans and leases to core deposits | 58.3920% | 4,903 |
| Total domestic deposits to total assets | 92.8477% | 32 |
| Equity capital to assets | 7.1491% | 5,699 |
| Core capital (leverage) ratio | 7.1066% | 5,706 |
| Tier 1 risk-based capital ratio | 14.8387% | 2,999 |
| Total risk-based capital ratio | 15.3721% | 3,271 |
| Memoranda: | ||
| Average total assets | $31,986,670 | 5,571 |
| Average earning assets | $28,796,670 | 5,563 |
| Average equity | $2,183,330 | 5,704 |
| Average total loans | $16,525,000 | 5,516 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6349% | 4,319 |
| Cost of funding earning assets | 0.0547% | 5,775 |
| Net interest margin | 3.5803% | 2,966 |
| Noninterest income to average assets | 0.8246% | 1,471 |
| Noninterest expense to average assets | 4.4181% | 356 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.3692% | 5,718 |
| Return on assets (ROA) | -0.3692% | 5,716 |
| Pretax return on assets | -0.3692% | 5,703 |
| Return on Equity (ROE) | -5.5338% | 5,742 |
| Retained earnings to average equity (ytd only) | -5.5338% | 5,421 |
| Net charge-offs to loans | 0.0241% | 2,279 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | -30.0000% | 2,931 |
| Efficiency ratio | 109.1185% | 134 |
| Assets per employee ($millions) | 1.9100% | 5,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5570% | 5,538 |
| Loan loss allowance to noncurrent loans | 23.4694% | 5,146 |
| Noncurrent assets plus other real estate owned to assets | 1.4968% | 1,072 |
| Noncurrent loans to loans | 2.3735% | 686 |
| Net loans and leases to total assets | 50.5821% | 4,624 |
| Net loans and leases to deposits | 54.2189% | 4,921 |
| Net loans and leases to core deposits | 55.6048% | 4,999 |
| Total domestic deposits to total assets | 93.2923% | 30 |
| Equity capital to assets | 6.7047% | 5,785 |
| Core capital (leverage) ratio | 7.1650% | 5,755 |
| Tier 1 risk-based capital ratio | 13.4128% | 3,830 |
| Total risk-based capital ratio | 13.9477% | 4,162 |
| Memoranda: | ||
| Average total assets | $32,502,500 | 5,628 |
| Average earning assets | $29,271,500 | 5,619 |
| Average equity | $2,168,500 | 5,770 |
| Average total loans | $16,576,000 | 5,572 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8606% | 3,710 |
| Cost of funding earning assets | 0.0527% | 5,828 |
| Net interest margin | 3.8079% | 2,295 |
| Noninterest income to average assets | 0.9307% | 1,319 |
| Noninterest expense to average assets | 4.7513% | 306 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -0.4007% | 5,763 |
| Return on assets (ROA) | -0.3786% | 5,767 |
| Pretax return on assets | -0.3786% | 5,756 |
| Return on Equity (ROE) | -5.1012% | 5,790 |
| Retained earnings to average equity (ytd only) | -5.1012% | 5,677 |
| Net charge-offs to loans | 0.0417% | 3,197 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | -18.1429% | 4,254 |
| Efficiency ratio | 109.2096% | 134 |
| Assets per employee ($millions) | 2.0334% | 5,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5590% | 5,595 |
| Loan loss allowance to noncurrent loans | 24.0933% | 5,181 |
| Noncurrent assets plus other real estate owned to assets | 1.4753% | 1,146 |
| Noncurrent loans to loans | 2.3203% | 709 |
| Net loans and leases to total assets | 50.8468% | 4,704 |
| Net loans and leases to deposits | 54.4643% | 4,993 |
| Net loans and leases to core deposits | 55.8527% | 5,050 |
| Total domestic deposits to total assets | 93.3579% | 33 |
| Equity capital to assets | 6.6390% | 5,828 |
| Core capital (leverage) ratio | 7.5263% | 5,743 |
| Tier 1 risk-based capital ratio | 20.2199% | 1,338 |
| Total risk-based capital ratio | 20.9948% | 1,397 |
| Memoranda: | ||
| Average total assets | $31,696,400 | 5,691 |
| Average earning assets | $28,467,000 | 5,686 |
| Average equity | $2,352,400 | 5,814 |
| Average total loans | $16,781,600 | 5,620 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8249% | 3,852 |
| Cost of funding earning assets | 0.0425% | 5,919 |
| Net interest margin | 3.7824% | 2,399 |
| Noninterest income to average assets | 0.9993% | 1,152 |
| Noninterest expense to average assets | 4.8527% | 295 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.4616% | 5,849 |
| Return on assets (ROA) | -0.4319% | 5,854 |
| Pretax return on assets | -0.4319% | 5,844 |
| Return on Equity (ROE) | -5.6655% | 5,873 |
| Retained earnings to average equity (ytd only) | -5.6655% | 5,754 |
| Net charge-offs to loans | 0.0476% | 2,690 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | -18.1663% | 3,928 |
| Efficiency ratio | 110.5111% | 119 |
| Assets per employee ($millions) | 2.2129% | 5,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5540% | 5,662 |
| Loan loss allowance to noncurrent loans | 24.2894% | 5,272 |
| Noncurrent assets plus other real estate owned to assets | 1.5526% | 1,135 |
| Noncurrent loans to loans | 2.2809% | 809 |
| Net loans and leases to total assets | 54.4624% | 4,450 |
| Net loans and leases to deposits | 58.9656% | 4,824 |
| Net loans and leases to core deposits | 59.4937% | 4,960 |
| Total domestic deposits to total assets | 92.3631% | 55 |
| Equity capital to assets | 7.6337% | 5,826 |
| Core capital (leverage) ratio | 7.6783% | 5,793 |
| Tier 1 risk-based capital ratio | 20.4231% | 1,371 |
| Total risk-based capital ratio | 21.2349% | 1,413 |
| Memoranda: | ||
| Average total assets | $31,486,750 | 5,752 |
| Average earning assets | $28,235,000 | 5,747 |
| Average equity | $2,400,500 | 5,874 |
| Average total loans | $16,818,000 | 5,676 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7186% | 4,234 |
| Cost of funding earning assets | 0.0494% | 5,986 |
| Net interest margin | 3.6692% | 2,828 |
| Noninterest income to average assets | 0.9161% | 1,324 |
| Noninterest expense to average assets | 4.7069% | 325 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.5054% | 5,923 |
| Return on assets (ROA) | -0.4802% | 5,921 |
| Pretax return on assets | -0.4802% | 5,918 |
| Return on Equity (ROE) | -6.3010% | 5,947 |
| Retained earnings to average equity (ytd only) | -6.3010% | 5,798 |
| Net charge-offs to loans | 0.0716% | 2,159 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | -13.3333% | 3,656 |
| Efficiency ratio | 112.0301% | 134 |
| Assets per employee ($millions) | 2.1420% | 5,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5630% | 5,730 |
| Loan loss allowance to noncurrent loans | 33.3333% | 5,212 |
| Noncurrent assets plus other real estate owned to assets | 1.3881% | 1,420 |
| Noncurrent loans to loans | 1.6889% | 1,257 |
| Net loans and leases to total assets | 51.6744% | 4,703 |
| Net loans and leases to deposits | 55.9005% | 5,022 |
| Net loans and leases to core deposits | 56.3827% | 5,148 |
| Total domestic deposits to total assets | 92.4401% | 57 |
| Equity capital to assets | 7.5195% | 5,910 |
| Core capital (leverage) ratio | 7.5558% | 5,870 |
| Tier 1 risk-based capital ratio | 20.1268% | 1,434 |
| Total risk-based capital ratio | 20.9218% | 1,489 |
| Memoranda: | ||
| Average total assets | $31,655,330 | 5,821 |
| Average earning assets | $28,344,000 | 5,816 |
| Average equity | $2,412,330 | 5,947 |
| Average total loans | $16,768,330 | 5,743 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7488% | 4,143 |
| Cost of funding earning assets | 0.0570% | 6,034 |
| Net interest margin | 3.6918% | 2,700 |
| Noninterest income to average assets | 0.8912% | 1,336 |
| Noninterest expense to average assets | 4.6088% | 356 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.4201% | 5,946 |
| Return on assets (ROA) | -0.3692% | 5,946 |
| Pretax return on assets | -0.3692% | 5,935 |
| Return on Equity (ROE) | -4.8123% | 5,968 |
| Retained earnings to average equity (ytd only) | -4.8123% | 5,601 |
| Net charge-offs to loans | 0.1190% | 1,401 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -6.6000% | 3,050 |
| Efficiency ratio | 110.0304% | 156 |
| Assets per employee ($millions) | 2.1181% | 5,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5651% | 5,800 |
| Loan loss allowance to noncurrent loans | 34.7985% | 5,192 |
| Noncurrent assets plus other real estate owned to assets | 1.3754% | 1,529 |
| Noncurrent loans to loans | 1.6239% | 1,418 |
| Net loans and leases to total assets | 52.6124% | 4,569 |
| Net loans and leases to deposits | 56.9210% | 4,923 |
| Net loans and leases to core deposits | 57.4176% | 5,078 |
| Total domestic deposits to total assets | 92.4304% | 68 |
| Equity capital to assets | 7.5664% | 5,937 |
| Core capital (leverage) ratio | 7.6084% | 5,901 |
| Tier 1 risk-based capital ratio | 23.1938% | 994 |
| Total risk-based capital ratio | 24.1017% | 1,008 |
| Memoranda: | ||
| Average total assets | $31,418,000 | 5,882 |
| Average earning assets | $28,062,000 | 5,879 |
| Average equity | $2,410,500 | 6,004 |
| Average total loans | $16,804,000 | 5,795 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0425% | 3,149 |
| Cost of funding earning assets | 0.0685% | 6,066 |
| Net interest margin | 3.9740% | 1,803 |
| Noninterest income to average assets | 1.0594% | 1,049 |
| Noninterest expense to average assets | 5.0960% | 260 |
| Loan and lease loss provision to assets | 0.1844% | 1,216 |
| Net operating income to assets | -0.7175% | 6,076 |
| Return on assets (ROA) | -0.7141% | 6,078 |
| Pretax return on assets | -0.7141% | 6,071 |
| Return on Equity (ROE) | -8.4343% | 6,090 |
| Retained earnings to average equity (ytd only) | -8.4343% | 6,010 |
| Net charge-offs to loans | 0.0481% | 3,245 |
| Credit loss provision to net charge-offs | 687.5000% | 486 |
| Earnings coverage of net charge-offs (x) | -19.8750% | 4,439 |
| Efficiency ratio | 111.6826% | 128 |
| Assets per employee ($millions) | 2.0709% | 6,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5953% | 5,803 |
| Loan loss allowance to noncurrent loans | 34.7222% | 5,237 |
| Noncurrent assets plus other real estate owned to assets | 1.4551% | 1,415 |
| Noncurrent loans to loans | 1.7146% | 1,314 |
| Net loans and leases to total assets | 53.7503% | 4,533 |
| Net loans and leases to deposits | 58.2894% | 4,895 |
| Net loans and leases to core deposits | 58.8109% | 5,056 |
| Total domestic deposits to total assets | 92.2129% | 91 |
| Equity capital to assets | 7.7807% | 5,924 |
| Core capital (leverage) ratio | 7.9271% | 5,872 |
| Tier 1 risk-based capital ratio | 24.3823% | 878 |
| Total risk-based capital ratio | 25.3746% | 891 |
| Memoranda: | ||
| Average total assets | $29,827,600 | 5,960 |
| Average earning assets | $26,295,600 | 5,962 |
| Average equity | $2,525,400 | 6,048 |
| Average total loans | $16,642,400 | 5,844 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0968% | 2,956 |
| Cost of funding earning assets | 0.0667% | 6,167 |
| Net interest margin | 4.0300% | 1,608 |
| Noninterest income to average assets | 1.0976% | 1,001 |
| Noninterest expense to average assets | 5.2440% | 239 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.6007% | 6,156 |
| Return on assets (ROA) | -0.5962% | 6,155 |
| Pretax return on assets | -0.5962% | 6,147 |
| Return on Equity (ROE) | -6.8952% | 6,154 |
| Retained earnings to average equity (ytd only) | -6.8952% | 6,073 |
| Net charge-offs to loans | 0.0321% | 3,281 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -33.2702% | 4,164 |
| Efficiency ratio | 112.9377% | 127 |
| Assets per employee ($millions) | 2.0099% | 6,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2910% | 6,149 |
| Loan loss allowance to noncurrent loans | 17.8832% | 5,595 |
| Noncurrent assets plus other real estate owned to assets | 1.4528% | 1,550 |
| Noncurrent loans to loans | 1.6271% | 1,516 |
| Net loans and leases to total assets | 55.6952% | 4,390 |
| Net loans and leases to deposits | 60.7753% | 4,798 |
| Net loans and leases to core deposits | 61.3370% | 4,979 |
| Total domestic deposits to total assets | 91.6412% | 133 |
| Equity capital to assets | 8.3554% | 5,799 |
| Core capital (leverage) ratio | 8.7019% | 5,350 |
| Tier 1 risk-based capital ratio | 25.5306% | 806 |
| Total risk-based capital ratio | 26.0235% | 867 |
| Memoranda: | ||
| Average total assets | $29,518,500 | 6,048 |
| Average earning assets | $25,971,000 | 6,050 |
| Average equity | $2,552,500 | 6,132 |
| Average total loans | $16,603,750 | 5,922 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0054% | 3,267 |
| Cost of funding earning assets | 0.0621% | 6,249 |
| Net interest margin | 3.9433% | 1,842 |
| Noninterest income to average assets | 1.0987% | 1,001 |
| Noninterest expense to average assets | 5.2135% | 252 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.6483% | 6,218 |
| Return on assets (ROA) | -0.6483% | 6,225 |
| Pretax return on assets | -0.6483% | 6,211 |
| Return on Equity (ROE) | -7.4113% | 6,227 |
| Retained earnings to average equity (ytd only) | -7.4113% | 6,108 |
| Net charge-offs to loans | 0.0484% | 2,741 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -23.7500% | 3,864 |
| Efficiency ratio | 114.2003% | 138 |
| Assets per employee ($millions) | 1.9088% | 6,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2922% | 6,219 |
| Loan loss allowance to noncurrent loans | 17.8832% | 5,701 |
| Noncurrent assets plus other real estate owned to assets | 1.5298% | 1,599 |
| Noncurrent loans to loans | 1.6338% | 1,601 |
| Net loans and leases to total assets | 58.4032% | 4,054 |
| Net loans and leases to deposits | 64.0101% | 4,534 |
| Net loans and leases to core deposits | 64.6361% | 4,762 |
| Total domestic deposits to total assets | 91.2406% | 245 |
| Equity capital to assets | 8.7559% | 5,478 |
| Core capital (leverage) ratio | 8.8558% | 5,152 |
| Tier 1 risk-based capital ratio | 16.4884% | 2,614 |
| Total risk-based capital ratio | 16.7958% | 3,024 |
| Memoranda: | ||
| Average total assets | $29,308,670 | 6,118 |
| Average earning assets | $25,765,000 | 6,117 |
| Average equity | $2,563,670 | 6,203 |
| Average total loans | $16,525,000 | 5,985 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9022% | 3,600 |
| Cost of funding earning assets | 0.0615% | 6,324 |
| Net interest margin | 3.8408% | 2,097 |
| Noninterest income to average assets | 1.1064% | 926 |
| Noninterest expense to average assets | 5.0865% | 279 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.6071% | 6,269 |
| Return on assets (ROA) | -0.6071% | 6,276 |
| Pretax return on assets | -0.6071% | 6,261 |
| Return on Equity (ROE) | -6.9444% | 6,291 |
| Retained earnings to average equity (ytd only) | -6.9444% | 6,036 |
| Net charge-offs to loans | 0.0732% | 1,981 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -15.0000% | 3,256 |
| Efficiency ratio | 113.5542% | 168 |
| Assets per employee ($millions) | 1.9396% | 6,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3084% | 6,291 |
| Loan loss allowance to noncurrent loans | 18.2482% | 5,741 |
| Noncurrent assets plus other real estate owned to assets | 1.5055% | 1,738 |
| Noncurrent loans to loans | 1.6899% | 1,634 |
| Net loans and leases to total assets | 55.5578% | 4,255 |
| Net loans and leases to deposits | 61.0308% | 4,660 |
| Net loans and leases to core deposits | 61.6194% | 4,865 |
| Total domestic deposits to total assets | 91.0325% | 355 |
| Equity capital to assets | 8.9606% | 5,340 |
| Core capital (leverage) ratio | 8.8235% | 5,172 |
| Tier 1 risk-based capital ratio | 23.1240% | 1,094 |
| Total risk-based capital ratio | 23.5675% | 1,184 |
| Memoranda: | ||
| Average total assets | $29,647,000 | 6,179 |
| Average earning assets | $26,036,500 | 6,176 |
| Average equity | $2,592,000 | 6,260 |
| Average total loans | $16,402,000 | 6,039 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7397% | 4,681 |
| Cost of funding earning assets | 0.0944% | 6,344 |
| Net interest margin | 3.6453% | 3,232 |
| Noninterest income to average assets | 1.0455% | 1,121 |
| Noninterest expense to average assets | 5.0355% | 297 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.5636% | 6,314 |
| Return on assets (ROA) | -0.5659% | 6,312 |
| Pretax return on assets | -0.7833% | 6,333 |
| Return on Equity (ROE) | -6.7712% | 6,324 |
| Retained earnings to average equity (ytd only) | -6.7712% | 6,240 |
| Net charge-offs to loans | 0.0062% | 4,803 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -244.0000% | 4,963 |
| Efficiency ratio | 118.3321% | 137 |
| Assets per employee ($millions) | 2.0133% | 6,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3195% | 6,375 |
| Loan loss allowance to noncurrent loans | 17.0418% | 5,870 |
| Noncurrent assets plus other real estate owned to assets | 2.0464% | 1,231 |
| Noncurrent loans to loans | 1.8746% | 1,507 |
| Net loans and leases to total assets | 54.7583% | 4,482 |
| Net loans and leases to deposits | 59.8711% | 4,914 |
| Net loans and leases to core deposits | 60.4246% | 5,108 |
| Total domestic deposits to total assets | 91.4603% | 238 |
| Equity capital to assets | 8.5331% | 5,719 |
| Core capital (leverage) ratio | 8.9027% | 5,115 |
| Tier 1 risk-based capital ratio | 16.4601% | 2,731 |
| Total risk-based capital ratio | 16.7869% | 3,145 |
| Memoranda: | ||
| Average total assets | $31,277,800 | 6,227 |
| Average earning assets | $27,542,400 | 6,229 |
| Average equity | $2,614,000 | 6,331 |
| Average total loans | $16,121,200 | 6,122 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6911% | 4,888 |
| Cost of funding earning assets | 0.0959% | 6,425 |
| Net interest margin | 3.5952% | 3,448 |
| Noninterest income to average assets | 1.1496% | 903 |
| Noninterest expense to average assets | 4.7039% | 387 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.5959% | 6,392 |
| Return on assets (ROA) | -0.5579% | 6,382 |
| Pretax return on assets | -0.3466% | 6,313 |
| Return on Equity (ROE) | -6.7092% | 6,401 |
| Retained earnings to average equity (ytd only) | -6.7092% | 6,315 |
| Net charge-offs to loans | 0.0167% | 4,204 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -45.4419% | 4,675 |
| Efficiency ratio | 108.9041% | 234 |
| Assets per employee ($millions) | 2.0023% | 6,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3232% | 6,460 |
| Loan loss allowance to noncurrent loans | 12.7139% | 6,011 |
| Noncurrent assets plus other real estate owned to assets | 1.9012% | 1,544 |
| Noncurrent loans to loans | 2.5421% | 1,143 |
| Net loans and leases to total assets | 53.3962% | 4,649 |
| Net loans and leases to deposits | 58.4119% | 5,071 |
| Net loans and leases to core deposits | 58.9552% | 5,269 |
| Total domestic deposits to total assets | 91.4131% | 254 |
| Equity capital to assets | 8.5836% | 5,737 |
| Core capital (leverage) ratio | 9.0876% | 4,949 |
| Tier 1 risk-based capital ratio | 17.3827% | 2,438 |
| Total risk-based capital ratio | 17.7156% | 2,780 |
| Memoranda: | ||
| Average total assets | $31,547,250 | 6,298 |
| Average earning assets | $27,814,250 | 6,299 |
| Average equity | $2,623,250 | 6,402 |
| Average total loans | $16,004,000 | 6,195 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6115% | 5,118 |
| Cost of funding earning assets | 0.1058% | 6,465 |
| Net interest margin | 3.5057% | 3,768 |
| Noninterest income to average assets | 1.0545% | 1,070 |
| Noninterest expense to average assets | 4.9295% | 325 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.5114% | 6,441 |
| Return on assets (ROA) | -0.4867% | 6,434 |
| Pretax return on assets | -0.7363% | 6,477 |
| Return on Equity (ROE) | -5.9128% | 6,453 |
| Retained earnings to average equity (ytd only) | -5.9128% | 6,289 |
| Net charge-offs to loans | 0.0125% | 3,989 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -124.0000% | 4,364 |
| Efficiency ratio | 118.6186% | 153 |
| Assets per employee ($millions) | 2.0946% | 6,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3482% | 6,513 |
| Loan loss allowance to noncurrent loans | 13.9108% | 6,057 |
| Noncurrent assets plus other real estate owned to assets | 1.7283% | 1,886 |
| Noncurrent loans to loans | 2.5031% | 1,242 |
| Net loans and leases to total assets | 48.2765% | 5,151 |
| Net loans and leases to deposits | 52.7143% | 5,449 |
| Net loans and leases to core deposits | 53.1800% | 5,602 |
| Total domestic deposits to total assets | 91.5815% | 241 |
| Equity capital to assets | 8.4057% | 5,878 |
| Core capital (leverage) ratio | 9.0008% | 5,013 |
| Tier 1 risk-based capital ratio | 17.1988% | 2,537 |
| Total risk-based capital ratio | 17.5280% | 2,890 |
| Memoranda: | ||
| Average total assets | $32,051,670 | 6,348 |
| Average earning assets | $28,353,670 | 6,347 |
| Average equity | $2,638,330 | 6,457 |
| Average total loans | $15,975,670 | 6,246 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6056% | 5,150 |
| Cost of funding earning assets | 0.1118% | 6,524 |
| Net interest margin | 3.4938% | 3,726 |
| Noninterest income to average assets | 0.9639% | 1,216 |
| Noninterest expense to average assets | 4.3005% | 551 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.4696% | 6,462 |
| Return on assets (ROA) | -0.4078% | 6,437 |
| Pretax return on assets | -0.1854% | 6,338 |
| Return on Equity (ROE) | -5.0057% | 6,467 |
| Retained earnings to average equity (ytd only) | -5.0057% | 6,124 |
| Net charge-offs to loans | 0.0245% | 3,080 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -20.0000% | 3,617 |
| Efficiency ratio | 106.0976% | 334 |
| Assets per employee ($millions) | 2.2734% | 6,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3331% | 6,599 |
| Loan loss allowance to noncurrent loans | 14.0957% | 6,151 |
| Noncurrent assets plus other real estate owned to assets | 1.5777% | 2,234 |
| Noncurrent loans to loans | 2.3633% | 1,491 |
| Net loans and leases to total assets | 46.5001% | 5,274 |
| Net loans and leases to deposits | 50.4101% | 5,565 |
| Net loans and leases to core deposits | 50.8172% | 5,704 |
| Total domestic deposits to total assets | 92.2436% | 201 |
| Equity capital to assets | 7.7446% | 6,211 |
| Core capital (leverage) ratio | 9.2326% | 4,666 |
| Tier 1 risk-based capital ratio | 17.3811% | 2,523 |
| Total risk-based capital ratio | 17.7085% | 2,888 |
| Memoranda: | ||
| Average total assets | $32,368,000 | 6,407 |
| Average earning assets | $28,622,500 | 6,404 |
| Average equity | $2,637,000 | 6,515 |
| Average total loans | $16,353,000 | 6,292 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9813% | 4,149 |
| Cost of funding earning assets | 0.1594% | 6,500 |
| Net interest margin | 3.8219% | 2,565 |
| Noninterest income to average assets | 1.7800% | 472 |
| Noninterest expense to average assets | 5.1788% | 306 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.0032% | 6,219 |
| Return on assets (ROA) | -0.0032% | 6,258 |
| Pretax return on assets | 0.0126% | 6,214 |
| Return on Equity (ROE) | -0.0365% | 6,259 |
| Retained earnings to average equity (ytd only) | -0.0365% | 5,873 |
| Net charge-offs to loans | 0.2060% | 2,819 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 0.1143% | 5,046 |
| Efficiency ratio | 99.7564% | 484 |
| Assets per employee ($millions) | 2.0423% | 6,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3215% | 6,679 |
| Loan loss allowance to noncurrent loans | 14.3617% | 6,245 |
| Noncurrent assets plus other real estate owned to assets | 1.7562% | 2,112 |
| Noncurrent loans to loans | 2.2386% | 1,734 |
| Net loans and leases to total assets | 54.6499% | 4,509 |
| Net loans and leases to deposits | 59.8014% | 4,953 |
| Net loans and leases to core deposits | 60.3446% | 5,196 |
| Total domestic deposits to total assets | 91.3857% | 442 |
| Equity capital to assets | 8.5947% | 5,480 |
| Core capital (leverage) ratio | 9.2833% | 4,584 |
| Tier 1 risk-based capital ratio | 17.5232% | 2,406 |
| Total risk-based capital ratio | 17.8556% | 2,762 |
| Memoranda: | ||
| Average total assets | $31,629,200 | 6,491 |
| Average earning assets | $28,232,000 | 6,481 |
| Average equity | $2,743,400 | 6,581 |
| Average total loans | $16,992,400 | 6,321 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9253% | 4,409 |
| Cost of funding earning assets | 0.1587% | 6,605 |
| Net interest margin | 3.7665% | 2,779 |
| Noninterest income to average assets | 1.3468% | 808 |
| Noninterest expense to average assets | 4.7681% | 412 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.1171% | 6,400 |
| Return on assets (ROA) | -0.1171% | 6,432 |
| Pretax return on assets | -0.0460% | 6,355 |
| Return on Equity (ROE) | -1.3472% | 6,445 |
| Retained earnings to average equity (ytd only) | -1.3472% | 6,177 |
| Net charge-offs to loans | 0.2269% | 2,453 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -0.3794% | 4,939 |
| Efficiency ratio | 100.9743% | 433 |
| Assets per employee ($millions) | 2.0469% | 6,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3370% | 6,757 |
| Loan loss allowance to noncurrent loans | 45.1128% | 5,436 |
| Noncurrent assets plus other real estate owned to assets | 0.9608% | 3,744 |
| Noncurrent loans to loans | 0.7470% | 4,352 |
| Net loans and leases to total assets | 57.7905% | 4,046 |
| Net loans and leases to deposits | 63.2968% | 4,590 |
| Net loans and leases to core deposits | 63.8710% | 4,918 |
| Total domestic deposits to total assets | 91.3008% | 422 |
| Equity capital to assets | 8.6894% | 5,537 |
| Core capital (leverage) ratio | 9.0681% | 5,013 |
| Tier 1 risk-based capital ratio | 16.4402% | 2,968 |
| Total risk-based capital ratio | 16.7901% | 3,412 |
| Memoranda: | ||
| Average total assets | $31,877,750 | 6,559 |
| Average earning assets | $28,566,500 | 6,547 |
| Average equity | $2,771,000 | 6,652 |
| Average total loans | $17,041,500 | 6,386 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6317% | 5,348 |
| Cost of funding earning assets | 0.1648% | 6,646 |
| Net interest margin | 3.4669% | 3,941 |
| Noninterest income to average assets | 1.4751% | 727 |
| Noninterest expense to average assets | 4.6174% | 478 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.0682% | 6,376 |
| Return on assets (ROA) | -0.0682% | 6,423 |
| Pretax return on assets | -0.0124% | 6,369 |
| Return on Equity (ROE) | -0.7842% | 6,432 |
| Retained earnings to average equity (ytd only) | -0.7842% | 6,006 |
| Net charge-offs to loans | 0.3336% | 1,851 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -0.0714% | 4,574 |
| Efficiency ratio | 100.2692% | 477 |
| Assets per employee ($millions) | 2.1363% | 6,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3643% | 6,791 |
| Loan loss allowance to noncurrent loans | 45.8647% | 5,381 |
| Noncurrent assets plus other real estate owned to assets | 0.9206% | 3,945 |
| Noncurrent loans to loans | 0.7943% | 4,325 |
| Net loans and leases to total assets | 52.0628% | 4,856 |
| Net loans and leases to deposits | 56.8358% | 5,260 |
| Net loans and leases to core deposits | 57.3260% | 5,488 |
| Total domestic deposits to total assets | 91.6022% | 342 |
| Equity capital to assets | 8.3853% | 5,881 |
| Core capital (leverage) ratio | 8.7942% | 5,298 |
| Tier 1 risk-based capital ratio | 17.3178% | 2,585 |
| Total risk-based capital ratio | 17.6901% | 2,923 |
| Memoranda: | ||
| Average total assets | $32,269,000 | 6,598 |
| Average earning assets | $29,132,670 | 6,583 |
| Average equity | $2,805,330 | 6,692 |
| Average total loans | $16,787,330 | 6,437 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6627% | 5,275 |
| Cost of funding earning assets | 0.1770% | 6,689 |
| Net interest margin | 3.4857% | 3,763 |
| Noninterest income to average assets | 1.8159% | 497 |
| Noninterest expense to average assets | 4.6570% | 473 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2841% | 5,613 |
| Return on assets (ROA) | 0.2841% | 5,736 |
| Pretax return on assets | 0.3212% | 5,806 |
| Return on Equity (ROE) | 3.2117% | 5,484 |
| Retained earnings to average equity (ytd only) | 3.2117% | 4,326 |
| Net charge-offs to loans | 0.0952% | 2,899 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 6.5000% | 2,205 |
| Efficiency ratio | 93.5484% | 867 |
| Assets per employee ($millions) | 2.2307% | 6,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5218% | 6,771 |
| Loan loss allowance to noncurrent loans | 49.7076% | 5,180 |
| Noncurrent assets plus other real estate owned to assets | 0.9952% | 3,934 |
| Noncurrent loans to loans | 1.0498% | 4,043 |
| Net loans and leases to total assets | 48.4280% | 5,184 |
| Net loans and leases to deposits | 53.1070% | 5,514 |
| Net loans and leases to core deposits | 53.5475% | 5,705 |
| Total domestic deposits to total assets | 91.1895% | 446 |
| Equity capital to assets | 8.5864% | 5,931 |
| Core capital (leverage) ratio | 9.0659% | 4,779 |
| Tier 1 risk-based capital ratio | 18.6356% | 2,144 |
| Total risk-based capital ratio | 19.1873% | 2,354 |
| Memoranda: | ||
| Average total assets | $32,381,500 | 6,655 |
| Average earning assets | $29,377,000 | 6,638 |
| Average equity | $2,864,500 | 6,750 |
| Average total loans | $16,809,000 | 6,495 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2737% | 4,305 |
| Cost of funding earning assets | 0.2365% | 6,725 |
| Net interest margin | 4.0372% | 2,247 |
| Noninterest income to average assets | 1.8149% | 506 |
| Noninterest expense to average assets | 5.0079% | 374 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.3107% | 5,429 |
| Return on assets (ROA) | 0.3107% | 5,637 |
| Pretax return on assets | 0.4307% | 5,476 |
| Return on Equity (ROE) | 3.6647% | 5,290 |
| Retained earnings to average equity (ytd only) | 3.6647% | 3,644 |
| Net charge-offs to loans | 0.0738% | 4,944 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 10.7692% | 2,107 |
| Efficiency ratio | 92.0814% | 912 |
| Assets per employee ($millions) | 2.0869% | 6,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5136% | 6,830 |
| Loan loss allowance to noncurrent loans | 43.2039% | 5,475 |
| Noncurrent assets plus other real estate owned to assets | 1.1756% | 3,695 |
| Noncurrent loans to loans | 1.1888% | 3,870 |
| Net loans and leases to total assets | 55.0746% | 4,441 |
| Net loans and leases to deposits | 60.7770% | 4,938 |
| Net loans and leases to core deposits | 61.3196% | 5,234 |
| Total domestic deposits to total assets | 90.6175% | 656 |
| Equity capital to assets | 9.1237% | 5,371 |
| Core capital (leverage) ratio | 9.3200% | 4,380 |
| Tier 1 risk-based capital ratio | 18.3766% | 2,143 |
| Total risk-based capital ratio | 18.9508% | 2,343 |
| Memoranda: | ||
| Average total assets | $32,508,400 | 6,694 |
| Average earning assets | $29,178,800 | 6,688 |
| Average equity | $2,756,000 | 6,831 |
| Average total loans | $17,615,200 | 6,528 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1067% | 5,163 |
| Cost of funding earning assets | 0.2453% | 6,829 |
| Net interest margin | 3.8615% | 3,068 |
| Noninterest income to average assets | 1.0810% | 1,288 |
| Noninterest expense to average assets | 4.8115% | 419 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.1707% | 6,477 |
| Return on assets (ROA) | -0.1707% | 6,549 |
| Pretax return on assets | -0.2764% | 6,587 |
| Return on Equity (ROE) | -2.0505% | 6,573 |
| Retained earnings to average equity (ytd only) | -2.0505% | 6,402 |
| Net charge-offs to loans | 0.0528% | 4,918 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -9.7170% | 5,740 |
| Efficiency ratio | 106.0932% | 379 |
| Assets per employee ($millions) | 2.0694% | 6,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5548% | 6,915 |
| Loan loss allowance to noncurrent loans | 22.0418% | 6,444 |
| Noncurrent assets plus other real estate owned to assets | 3.7270% | 1,326 |
| Noncurrent loans to loans | 2.5171% | 2,271 |
| Net loans and leases to total assets | 51.4286% | 5,124 |
| Net loans and leases to deposits | 56.1276% | 5,623 |
| Net loans and leases to core deposits | 56.5959% | 5,844 |
| Total domestic deposits to total assets | 91.6279% | 263 |
| Equity capital to assets | 8.2241% | 6,474 |
| Core capital (leverage) ratio | 8.6181% | 5,597 |
| Tier 1 risk-based capital ratio | 16.9732% | 2,745 |
| Total risk-based capital ratio | 17.5695% | 3,067 |
| Memoranda: | ||
| Average total assets | $32,809,750 | 6,772 |
| Average earning assets | $29,349,250 | 6,766 |
| Average equity | $2,731,000 | 6,923 |
| Average total loans | $17,686,750 | 6,611 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1308% | 5,192 |
| Cost of funding earning assets | 0.2595% | 6,881 |
| Net interest margin | 3.8714% | 3,036 |
| Noninterest income to average assets | 1.1495% | 1,077 |
| Noninterest expense to average assets | 4.9160% | 400 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.1590% | 6,500 |
| Return on assets (ROA) | -0.1590% | 6,586 |
| Pretax return on assets | -0.2996% | 6,639 |
| Return on Equity (ROE) | -1.9022% | 6,615 |
| Retained earnings to average equity (ytd only) | -1.9022% | 6,348 |
| Net charge-offs to loans | 0.0671% | 4,489 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -8.1667% | 5,460 |
| Efficiency ratio | 106.4901% | 385 |
| Assets per employee ($millions) | 1.9075% | 7,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5527% | 6,976 |
| Loan loss allowance to noncurrent loans | 32.3232% | 6,050 |
| Noncurrent assets plus other real estate owned to assets | 3.3860% | 1,583 |
| Noncurrent loans to loans | 1.7099% | 3,328 |
| Net loans and leases to total assets | 53.2657% | 4,921 |
| Net loans and leases to deposits | 58.2622% | 5,420 |
| Net loans and leases to core deposits | 58.7597% | 5,717 |
| Total domestic deposits to total assets | 91.4241% | 326 |
| Equity capital to assets | 8.4248% | 6,281 |
| Core capital (leverage) ratio | 8.6104% | 5,501 |
| Tier 1 risk-based capital ratio | 17.2023% | 2,587 |
| Total risk-based capital ratio | 17.8107% | 2,843 |
| Memoranda: | ||
| Average total assets | $32,709,670 | 6,823 |
| Average earning assets | $29,292,000 | 6,821 |
| Average equity | $2,733,670 | 6,963 |
| Average total loans | $17,874,670 | 6,655 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1461% | 5,287 |
| Cost of funding earning assets | 0.2710% | 6,942 |
| Net interest margin | 3.8751% | 3,030 |
| Noninterest income to average assets | 1.0472% | 1,318 |
| Noninterest expense to average assets | 4.8340% | 410 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.1583% | 6,588 |
| Return on assets (ROA) | -0.1583% | 6,653 |
| Pretax return on assets | -0.3044% | 6,734 |
| Return on Equity (ROE) | -1.9016% | 6,682 |
| Retained earnings to average equity (ytd only) | -1.9016% | 6,270 |
| Net charge-offs to loans | 0.1103% | 3,470 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -5.0000% | 4,663 |
| Efficiency ratio | 106.7204% | 393 |
| Assets per employee ($millions) | 1.9118% | 7,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5507% | 7,027 |
| Loan loss allowance to noncurrent loans | 32.1192% | 6,061 |
| Noncurrent assets plus other real estate owned to assets | 3.3908% | 1,698 |
| Noncurrent loans to loans | 1.7146% | 3,541 |
| Net loans and leases to total assets | 53.8954% | 4,740 |
| Net loans and leases to deposits | 58.9248% | 5,281 |
| Net loans and leases to core deposits | 59.4246% | 5,583 |
| Total domestic deposits to total assets | 91.4646% | 382 |
| Equity capital to assets | 8.4031% | 6,176 |
| Core capital (leverage) ratio | 8.3545% | 5,805 |
| Tier 1 risk-based capital ratio | 15.9934% | 3,182 |
| Total risk-based capital ratio | 16.5621% | 3,507 |
| Memoranda: | ||
| Average total assets | $32,850,500 | 6,870 |
| Average earning assets | $29,522,000 | 6,864 |
| Average equity | $2,734,500 | 7,015 |
| Average total loans | $18,127,500 | 6,701 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3375% | 5,639 |
| Cost of funding earning assets | 0.3919% | 6,913 |
| Net interest margin | 3.9456% | 3,133 |
| Noninterest income to average assets | 1.2189% | 888 |
| Noninterest expense to average assets | 4.8754% | 419 |
| Loan and lease loss provision to assets | 0.0993% | 5,346 |
| Net operating income to assets | -0.1092% | 6,174 |
| Return on assets (ROA) | -0.1053% | 6,241 |
| Pretax return on assets | -0.1746% | 6,268 |
| Return on Equity (ROE) | -1.3043% | 6,272 |
| Retained earnings to average equity (ytd only) | -1.3043% | 6,054 |
| Net charge-offs to loans | 0.1827% | 4,691 |
| Credit loss provision to net charge-offs | 97.0588% | 3,710 |
| Earnings coverage of net charge-offs (x) | -0.7941% | 6,153 |
| Efficiency ratio | 101.6949% | 629 |
| Assets per employee ($millions) | 1.8445% | 7,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5472% | 7,068 |
| Loan loss allowance to noncurrent loans | 10.2926% | 6,815 |
| Noncurrent assets plus other real estate owned to assets | 3.1716% | 1,882 |
| Noncurrent loans to loans | 5.3160% | 1,018 |
| Net loans and leases to total assets | 55.8417% | 4,738 |
| Net loans and leases to deposits | 60.9407% | 5,375 |
| Net loans and leases to core deposits | 60.9407% | 5,759 |
| Total domestic deposits to total assets | 91.6328% | 297 |
| Equity capital to assets | 8.2467% | 6,391 |
| Core capital (leverage) ratio | 8.2358% | 5,942 |
| Tier 1 risk-based capital ratio | 15.6368% | 3,246 |
| Total risk-based capital ratio | 16.2182% | 3,617 |
| Memoranda: | ||
| Average total assets | $33,228,000 | 6,888 |
| Average earning assets | $30,109,400 | 6,867 |
| Average equity | $2,683,400 | 7,078 |
| Average total loans | $18,614,800 | 6,727 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2377% | 6,115 |
| Cost of funding earning assets | 0.4078% | 6,999 |
| Net interest margin | 3.8299% | 3,719 |
| Noninterest income to average assets | 1.2196% | 888 |
| Noninterest expense to average assets | 4.8703% | 417 |
| Loan and lease loss provision to assets | 0.0401% | 5,939 |
| Net operating income to assets | -0.1498% | 6,329 |
| Return on assets (ROA) | -0.1444% | 6,407 |
| Pretax return on assets | -0.2166% | 6,424 |
| Return on Equity (ROE) | -1.7979% | 6,461 |
| Retained earnings to average equity (ytd only) | -1.7979% | 6,272 |
| Net charge-offs to loans | 0.1218% | 4,817 |
| Credit loss provision to net charge-offs | 58.8235% | 4,835 |
| Earnings coverage of net charge-offs (x) | -2.7053% | 6,052 |
| Efficiency ratio | 103.9384% | 552 |
| Assets per employee ($millions) | 1.6232% | 7,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5138% | 7,159 |
| Loan loss allowance to noncurrent loans | 9.0141% | 6,908 |
| Noncurrent assets plus other real estate owned to assets | 3.2806% | 1,933 |
| Noncurrent loans to loans | 5.7001% | 1,010 |
| Net loans and leases to total assets | 57.2573% | 4,633 |
| Net loans and leases to deposits | 62.7062% | 5,322 |
| Net loans and leases to core deposits | 62.7062% | 5,750 |
| Total domestic deposits to total assets | 91.3104% | 342 |
| Equity capital to assets | 8.4771% | 6,317 |
| Core capital (leverage) ratio | 8.4605% | 5,766 |
| Tier 1 risk-based capital ratio | 12.8571% | 5,200 |
| Total risk-based capital ratio | 13.3068% | 5,845 |
| Memoranda: | ||
| Average total assets | $33,234,750 | 6,949 |
| Average earning assets | $30,078,500 | 6,933 |
| Average equity | $2,669,750 | 7,150 |
| Average total loans | $18,608,000 | 6,792 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3106% | 5,990 |
| Cost of funding earning assets | 0.4363% | 7,049 |
| Net interest margin | 3.8742% | 3,417 |
| Noninterest income to average assets | 1.2182% | 856 |
| Noninterest expense to average assets | 4.8729% | 408 |
| Loan and lease loss provision to assets | 0.0597% | 5,562 |
| Net operating income to assets | -0.1271% | 6,385 |
| Return on assets (ROA) | -0.1194% | 6,422 |
| Pretax return on assets | -0.2030% | 6,455 |
| Return on Equity (ROE) | -1.5138% | 6,468 |
| Retained earnings to average equity (ytd only) | -1.5138% | 6,160 |
| Net charge-offs to loans | 0.0538% | 5,111 |
| Credit loss provision to net charge-offs | 200.0000% | 1,502 |
| Earnings coverage of net charge-offs (x) | -5.2000% | 5,797 |
| Efficiency ratio | 103.2911% | 626 |
| Assets per employee ($millions) | 1.6782% | 7,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5728% | 7,175 |
| Loan loss allowance to noncurrent loans | 9.9539% | 6,948 |
| Noncurrent assets plus other real estate owned to assets | 3.6726% | 1,777 |
| Noncurrent loans to loans | 5.7544% | 1,067 |
| Net loans and leases to total assets | 58.7957% | 4,500 |
| Net loans and leases to deposits | 64.3011% | 5,234 |
| Net loans and leases to core deposits | 64.3011% | 5,694 |
| Total domestic deposits to total assets | 91.4380% | 358 |
| Equity capital to assets | 8.3456% | 6,369 |
| Core capital (leverage) ratio | 7.9042% | 6,405 |
| Tier 1 risk-based capital ratio | 15.2290% | 3,381 |
| Total risk-based capital ratio | 15.8480% | 3,700 |
| Memoranda: | ||
| Average total assets | $33,491,670 | 6,999 |
| Average earning assets | $30,251,330 | 6,989 |
| Average equity | $2,642,330 | 7,214 |
| Average total loans | $18,582,670 | 6,855 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1735% | 6,337 |
| Cost of funding earning assets | 0.4637% | 7,083 |
| Net interest margin | 3.7098% | 4,047 |
| Noninterest income to average assets | 1.0847% | 1,119 |
| Noninterest expense to average assets | 4.6421% | 512 |
| Loan and lease loss provision to assets | 0.0583% | 5,270 |
| Net operating income to assets | -0.1400% | 6,498 |
| Return on assets (ROA) | -0.1400% | 6,517 |
| Pretax return on assets | -0.2566% | 6,584 |
| Return on Equity (ROE) | -1.8230% | 6,566 |
| Retained earnings to average equity (ytd only) | -1.8230% | 6,117 |
| Net charge-offs to loans | 0.0867% | 4,087 |
| Credit loss provision to net charge-offs | 125.0000% | 2,194 |
| Earnings coverage of net charge-offs (x) | -4.2500% | 5,019 |
| Efficiency ratio | 104.4619% | 611 |
| Assets per employee ($millions) | 1.9403% | 7,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5480% | 7,257 |
| Loan loss allowance to noncurrent loans | 7.8491% | 7,030 |
| Noncurrent assets plus other real estate owned to assets | 4.0285% | 1,658 |
| Noncurrent loans to loans | 6.9814% | 794 |
| Net loans and leases to total assets | 54.0428% | 5,299 |
| Net loans and leases to deposits | 58.5326% | 5,874 |
| Net loans and leases to core deposits | 58.5326% | 6,207 |
| Total domestic deposits to total assets | 92.3295% | 208 |
| Equity capital to assets | 7.5273% | 6,856 |
| Core capital (leverage) ratio | 7.6640% | 6,587 |
| Tier 1 risk-based capital ratio | 15.1788% | 3,330 |
| Total risk-based capital ratio | 15.7709% | 3,689 |
| Memoranda: | ||
| Average total assets | $34,295,000 | 7,033 |
| Average earning assets | $31,053,000 | 7,017 |
| Average equity | $2,633,000 | 7,263 |
| Average total loans | $18,446,500 | 6,913 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7250% | 5,711 |
| Cost of funding earning assets | 0.8084% | 6,533 |
| Net interest margin | 3.9166% | 3,411 |
| Noninterest income to average assets | 1.0986% | 1,230 |
| Noninterest expense to average assets | 4.9679% | 419 |
| Loan and lease loss provision to assets | 0.1517% | 5,683 |
| Net operating income to assets | -0.4036% | 6,314 |
| Return on assets (ROA) | -0.4036% | 6,344 |
| Pretax return on assets | -0.6100% | 6,404 |
| Return on Equity (ROE) | -4.8540% | 6,422 |
| Retained earnings to average equity (ytd only) | -4.8540% | 6,282 |
| Net charge-offs to loans | 0.1689% | 5,315 |
| Credit loss provision to net charge-offs | 161.2903% | 2,159 |
| Earnings coverage of net charge-offs (x) | -4.8710% | 6,771 |
| Efficiency ratio | 110.1615% | 532 |
| Assets per employee ($millions) | 1.7718% | 7,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5750% | 7,290 |
| Loan loss allowance to noncurrent loans | 7.7677% | 7,105 |
| Noncurrent assets plus other real estate owned to assets | 4.1825% | 1,606 |
| Noncurrent loans to loans | 7.4020% | 739 |
| Net loans and leases to total assets | 52.9082% | 5,794 |
| Net loans and leases to deposits | 57.4994% | 6,305 |
| Net loans and leases to core deposits | 57.4994% | 6,598 |
| Total domestic deposits to total assets | 92.0152% | 277 |
| Equity capital to assets | 7.8333% | 6,653 |
| Core capital (leverage) ratio | 7.7799% | 6,457 |
| Tier 1 risk-based capital ratio | 15.8866% | 2,801 |
| Total risk-based capital ratio | 16.4976% | 3,078 |
| Memoranda: | ||
| Average total assets | $32,951,600 | 7,114 |
| Average earning assets | $28,698,200 | 7,139 |
| Average equity | $2,740,000 | 7,344 |
| Average total loans | $18,353,800 | 7,011 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8894% | 5,313 |
| Cost of funding earning assets | 0.8637% | 6,533 |
| Net interest margin | 4.0257% | 2,979 |
| Noninterest income to average assets | 1.1025% | 1,164 |
| Noninterest expense to average assets | 5.0121% | 377 |
| Loan and lease loss provision to assets | 0.2034% | 5,018 |
| Net operating income to assets | -0.4434% | 6,556 |
| Return on assets (ROA) | -0.4434% | 6,597 |
| Pretax return on assets | -0.6428% | 6,642 |
| Return on Equity (ROE) | -5.2546% | 6,665 |
| Retained earnings to average equity (ytd only) | -5.2546% | 6,574 |
| Net charge-offs to loans | 0.1950% | 4,778 |
| Credit loss provision to net charge-offs | 185.1852% | 1,953 |
| Earnings coverage of net charge-offs (x) | -4.0000% | 6,577 |
| Efficiency ratio | 109.6085% | 533 |
| Assets per employee ($millions) | 1.7624% | 7,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5812% | 7,373 |
| Loan loss allowance to noncurrent loans | 8.0512% | 7,203 |
| Noncurrent assets plus other real estate owned to assets | 4.2137% | 1,625 |
| Noncurrent loans to loans | 7.2185% | 756 |
| Net loans and leases to total assets | 54.6616% | 5,750 |
| Net loans and leases to deposits | 59.8444% | 6,329 |
| Net loans and leases to core deposits | 59.8444% | 6,620 |
| Total domestic deposits to total assets | 91.3397% | 349 |
| Equity capital to assets | 8.1347% | 6,686 |
| Core capital (leverage) ratio | 8.1664% | 6,088 |
| Tier 1 risk-based capital ratio | 16.3382% | 2,620 |
| Total risk-based capital ratio | 16.9850% | 2,849 |
| Memoranda: | ||
| Average total assets | $32,773,500 | 7,210 |
| Average earning assets | $28,251,000 | 7,236 |
| Average equity | $2,765,750 | 7,430 |
| Average total loans | $18,463,750 | 7,099 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0342% | 4,776 |
| Cost of funding earning assets | 0.9344% | 6,447 |
| Net interest margin | 4.0998% | 2,556 |
| Noninterest income to average assets | 1.2356% | 853 |
| Noninterest expense to average assets | 5.0775% | 357 |
| Loan and lease loss provision to assets | 0.0492% | 6,476 |
| Net operating income to assets | -0.2520% | 6,413 |
| Return on assets (ROA) | -0.2520% | 6,456 |
| Pretax return on assets | -0.4119% | 6,522 |
| Return on Equity (ROE) | -2.9500% | 6,514 |
| Retained earnings to average equity (ytd only) | -2.9500% | 6,293 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.6923% | 595 |
| Assets per employee ($millions) | 1.8331% | 7,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4874% | 7,520 |
| Loan loss allowance to noncurrent loans | 16.2210% | 7,105 |
| Noncurrent assets plus other real estate owned to assets | 1.9487% | 3,553 |
| Noncurrent loans to loans | 3.0050% | 2,674 |
| Net loans and leases to total assets | 56.3038% | 5,654 |
| Net loans and leases to deposits | 61.8648% | 6,246 |
| Net loans and leases to core deposits | 61.8648% | 6,565 |
| Total domestic deposits to total assets | 91.0110% | 479 |
| Equity capital to assets | 8.4556% | 6,223 |
| Core capital (leverage) ratio | 8.5817% | 5,267 |
| Tier 1 risk-based capital ratio | 17.1506% | 2,215 |
| Total risk-based capital ratio | 17.7141% | 2,434 |
| Memoranda: | ||
| Average total assets | $32,536,000 | 7,271 |
| Average earning assets | $27,611,330 | 7,311 |
| Average equity | $2,779,670 | 7,480 |
| Average total loans | $18,481,330 | 7,152 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0711% | 4,670 |
| Cost of funding earning assets | 1.0082% | 6,337 |
| Net interest margin | 4.0629% | 2,599 |
| Noninterest income to average assets | 1.1639% | 910 |
| Noninterest expense to average assets | 5.3365% | 292 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.5448% | 6,861 |
| Return on assets (ROA) | -0.5448% | 6,894 |
| Pretax return on assets | -0.8296% | 6,967 |
| Return on Equity (ROE) | -6.3435% | 6,953 |
| Retained earnings to average equity (ytd only) | -6.3435% | 6,684 |
| Net charge-offs to loans | 0.0218% | 5,274 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -67.0000% | 5,600 |
| Efficiency ratio | 118.4066% | 461 |
| Assets per employee ($millions) | 1.6896% | 7,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4498% | 7,644 |
| Loan loss allowance to noncurrent loans | 14.6903% | 7,215 |
| Noncurrent assets plus other real estate owned to assets | 2.0154% | 3,483 |
| Noncurrent loans to loans | 3.0618% | 2,613 |
| Net loans and leases to total assets | 57.2221% | 5,564 |
| Net loans and leases to deposits | 62.9627% | 6,176 |
| Net loans and leases to core deposits | 62.9627% | 6,529 |
| Total domestic deposits to total assets | 90.8825% | 592 |
| Equity capital to assets | 8.6036% | 5,865 |
| Core capital (leverage) ratio | 8.6474% | 5,119 |
| Tier 1 risk-based capital ratio | 17.0266% | 2,261 |
| Total risk-based capital ratio | 17.5374% | 2,495 |
| Memoranda: | ||
| Average total assets | $32,306,000 | 7,365 |
| Average earning assets | $26,582,000 | 7,444 |
| Average equity | $2,774,500 | 7,561 |
| Average total loans | $18,387,500 | 7,245 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3864% | 4,759 |
| Cost of funding earning assets | 1.3668% | 6,068 |
| Net interest margin | 4.0196% | 2,786 |
| Noninterest income to average assets | 1.4381% | 707 |
| Noninterest expense to average assets | 5.5484% | 384 |
| Loan and lease loss provision to assets | 0.5453% | 3,643 |
| Net operating income to assets | -0.9375% | 6,533 |
| Return on assets (ROA) | -0.9375% | 6,534 |
| Pretax return on assets | -1.3265% | 6,610 |
| Return on Equity (ROE) | -9.9499% | 6,621 |
| Retained earnings to average equity (ytd only) | -9.9499% | 6,517 |
| Net charge-offs to loans | 0.9361% | 2,521 |
| Credit loss provision to net charge-offs | 99.4186% | 5,603 |
| Earnings coverage of net charge-offs (x) | -1.4244% | 6,949 |
| Efficiency ratio | 116.3880% | 663 |
| Assets per employee ($millions) | 1.6255% | 7,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4585% | 7,706 |
| Loan loss allowance to noncurrent loans | 21.3740% | 6,991 |
| Noncurrent assets plus other real estate owned to assets | 1.4611% | 4,213 |
| Noncurrent loans to loans | 2.1450% | 3,462 |
| Net loans and leases to total assets | 56.1014% | 5,935 |
| Net loans and leases to deposits | 61.6982% | 6,498 |
| Net loans and leases to core deposits | 63.4498% | 7,125 |
| Total domestic deposits to total assets | 90.9287% | 558 |
| Equity capital to assets | 8.5730% | 5,762 |
| Core capital (leverage) ratio | 8.6039% | 5,095 |
| Tier 1 risk-based capital ratio | 17.5050% | 2,024 |
| Total risk-based capital ratio | 18.0279% | 2,184 |
| Memoranda: | ||
| Average total assets | $31,360,600 | 7,429 |
| Average earning assets | $25,972,600 | 7,504 |
| Average equity | $2,954,800 | 7,600 |
| Average total loans | $18,373,800 | 7,291 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3284% | 5,289 |
| Cost of funding earning assets | 1.4085% | 6,198 |
| Net interest margin | 3.9199% | 3,159 |
| Noninterest income to average assets | 1.4417% | 714 |
| Noninterest expense to average assets | 5.5738% | 362 |
| Loan and lease loss provision to assets | 0.6908% | 2,666 |
| Net operating income to assets | -1.1070% | 6,903 |
| Return on assets (ROA) | -1.1070% | 6,904 |
| Pretax return on assets | -1.5747% | 7,003 |
| Return on Equity (ROE) | -11.4788% | 6,987 |
| Retained earnings to average equity (ytd only) | -11.4788% | 6,916 |
| Net charge-offs to loans | 1.1820% | 1,715 |
| Credit loss provision to net charge-offs | 98.7730% | 5,180 |
| Earnings coverage of net charge-offs (x) | -1.2638% | 6,674 |
| Efficiency ratio | 118.8472% | 604 |
| Assets per employee ($millions) | 1.4786% | 7,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4430% | 7,777 |
| Loan loss allowance to noncurrent loans | 9.5183% | 7,460 |
| Noncurrent assets plus other real estate owned to assets | 3.0725% | 2,240 |
| Noncurrent loans to loans | 4.6544% | 1,481 |
| Net loans and leases to total assets | 60.0709% | 5,573 |
| Net loans and leases to deposits | 66.5430% | 6,254 |
| Net loans and leases to core deposits | 69.5581% | 6,989 |
| Total domestic deposits to total assets | 90.2738% | 675 |
| Equity capital to assets | 9.1530% | 5,251 |
| Core capital (leverage) ratio | 9.1364% | 4,437 |
| Tier 1 risk-based capital ratio | 16.6999% | 2,361 |
| Total risk-based capital ratio | 17.1866% | 2,587 |
| Memoranda: | ||
| Average total assets | $31,073,500 | 7,500 |
| Average earning assets | $25,748,250 | 7,578 |
| Average equity | $2,996,750 | 7,663 |
| Average total loans | $18,386,750 | 7,361 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5607% | 4,279 |
| Cost of funding earning assets | 1.4844% | 6,199 |
| Net interest margin | 4.0763% | 2,410 |
| Noninterest income to average assets | 1.4156% | 749 |
| Noninterest expense to average assets | 5.4245% | 394 |
| Loan and lease loss provision to assets | 0.0708% | 6,490 |
| Net operating income to assets | -0.5212% | 6,570 |
| Return on assets (ROA) | -0.5212% | 6,578 |
| Pretax return on assets | -0.7400% | 6,639 |
| Return on Equity (ROE) | -5.3144% | 6,642 |
| Retained earnings to average equity (ytd only) | -5.3144% | 6,348 |
| Net charge-offs to loans | 0.0876% | 5,324 |
| Credit loss provision to net charge-offs | 137.5000% | 3,395 |
| Earnings coverage of net charge-offs (x) | -13.0000% | 6,541 |
| Efficiency ratio | 114.0731% | 763 |
| Assets per employee ($millions) | 1.7239% | 8,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4807% | 7,811 |
| Loan loss allowance to noncurrent loans | 12.4823% | 7,440 |
| Noncurrent assets plus other real estate owned to assets | 2.5362% | 2,537 |
| Noncurrent loans to loans | 3.8512% | 1,762 |
| Net loans and leases to total assets | 58.7090% | 5,873 |
| Net loans and leases to deposits | 65.2601% | 6,457 |
| Net loans and leases to core deposits | 67.9725% | 7,124 |
| Total domestic deposits to total assets | 89.9617% | 852 |
| Equity capital to assets | 9.6323% | 4,453 |
| Core capital (leverage) ratio | 9.3897% | 4,039 |
| Tier 1 risk-based capital ratio | 17.4977% | 2,153 |
| Total risk-based capital ratio | 18.0067% | 2,326 |
| Memoranda: | ||
| Average total assets | $31,081,330 | 7,563 |
| Average earning assets | $25,464,330 | 7,660 |
| Average equity | $3,048,330 | 7,714 |
| Average total loans | $18,270,670 | 7,433 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1917% | 6,327 |
| Cost of funding earning assets | 1.5354% | 6,289 |
| Net interest margin | 3.6564% | 4,074 |
| Noninterest income to average assets | 1.3759% | 755 |
| Noninterest expense to average assets | 5.2336% | 419 |
| Loan and lease loss provision to assets | 0.1414% | 5,134 |
| Net operating income to assets | -0.6944% | 7,051 |
| Return on assets (ROA) | -0.6944% | 7,088 |
| Pretax return on assets | -1.0287% | 7,164 |
| Return on Equity (ROE) | -7.0175% | 7,148 |
| Retained earnings to average equity (ytd only) | -7.0175% | 6,794 |
| Net charge-offs to loans | 0.1096% | 4,096 |
| Credit loss provision to net charge-offs | 220.0000% | 2,053 |
| Earnings coverage of net charge-offs (x) | -13.8000% | 5,640 |
| Efficiency ratio | 120.4142% | 619 |
| Assets per employee ($millions) | 1.5958% | 8,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4970% | 7,832 |
| Loan loss allowance to noncurrent loans | 17.0412% | 7,310 |
| Noncurrent assets plus other real estate owned to assets | 1.9301% | 3,006 |
| Noncurrent loans to loans | 2.9164% | 2,240 |
| Net loans and leases to total assets | 57.0860% | 6,085 |
| Net loans and leases to deposits | 63.3550% | 6,619 |
| Net loans and leases to core deposits | 66.5388% | 7,218 |
| Total domestic deposits to total assets | 90.1050% | 750 |
| Equity capital to assets | 9.5190% | 4,641 |
| Core capital (leverage) ratio | 9.8662% | 3,566 |
| Tier 1 risk-based capital ratio | 18.8174% | 1,855 |
| Total risk-based capital ratio | 19.3785% | 1,971 |
| Memoranda: | ||
| Average total assets | $31,106,500 | 7,603 |
| Average earning assets | $25,271,000 | 7,714 |
| Average equity | $3,078,000 | 7,756 |
| Average total loans | $18,253,000 | 7,475 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8332% | 6,323 |
| Cost of funding earning assets | 1.6084% | 7,430 |
| Net interest margin | 4.2248% | 2,207 |
| Noninterest income to average assets | 1.7877% | 423 |
| Noninterest expense to average assets | 5.7479% | 451 |
| Loan and lease loss provision to assets | 0.0630% | 6,615 |
| Net operating income to assets | -0.3708% | 6,793 |
| Return on assets (ROA) | -0.3708% | 6,671 |
| Pretax return on assets | -0.5038% | 6,656 |
| Return on Equity (ROE) | -3.3525% | 6,668 |
| Retained earnings to average equity (ytd only) | -4.1116% | 6,345 |
| Net charge-offs to loans | 0.1009% | 5,304 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | -7.0000% | 6,867 |
| Efficiency ratio | 108.3059% | 749 |
| Assets per employee ($millions) | 1.5149% | 8,158 |
| Cash dividends to net income (ytd only)* | -22.6415% | 7,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4671% | 7,892 |
| Loan loss allowance to noncurrent loans | 18.4382% | 7,295 |
| Noncurrent assets plus other real estate owned to assets | 2.4160% | 2,009 |
| Noncurrent loans to loans | 2.5335% | 2,147 |
| Net loans and leases to total assets | 59.7762% | 5,943 |
| Net loans and leases to deposits | 67.0455% | 6,554 |
| Net loans and leases to core deposits | 70.6302% | 7,152 |
| Total domestic deposits to total assets | 89.1577% | 980 |
| Equity capital to assets | 10.2911% | 3,726 |
| Core capital (leverage) ratio | 10.5401% | 2,947 |
| Tier 1 risk-based capital ratio | 20.1088% | 1,602 |
| Total risk-based capital ratio | 20.6593% | 1,690 |
| Memoranda: | ||
| Average total assets | $28,584,200 | 7,703 |
| Average earning assets | $23,812,000 | 7,789 |
| Average equity | $3,161,800 | 7,783 |
| Average total loans | $17,847,400 | 7,467 |