Home > Tucumcari Federal Savings and Loan Association > Performance and Condition Ratios
Tucumcari Federal Savings and Loan Association, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8548% | 769 |
| Cost of funding earning assets | 2.6493% | 277 |
| Net interest margin | 3.2054% | 2,861 |
| Noninterest income to average assets | 0.2300% | 3,570 |
| Noninterest expense to average assets | 2.8964% | 1,274 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.2911% | 4,043 |
| Return on assets (ROA) | 0.2911% | 4,041 |
| Pretax return on assets | 0.3708% | 4,004 |
| Return on Equity (ROE) | 2.1500% | 4,139 |
| Retained earnings to average equity (ytd only) | 2.1536% | 3,548 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 88.6519% | 462 |
| Assets per employee ($millions) | 8.0294% | 1,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0494% | 3,070 |
| Loan loss allowance to noncurrent loans | 95.8991% | 3,255 |
| Noncurrent assets plus other real estate owned to assets | 0.7896% | 650 |
| Noncurrent loans to loans | 1.0943% | 672 |
| Net loans and leases to total assets | 71.4000% | 1,651 |
| Net loans and leases to deposits | 105.9942% | 295 |
| Net loans and leases to core deposits | 141.1742% | 270 |
| Total domestic deposits to total assets | 67.3600% | 4,352 |
| Equity capital to assets | 13.7918% | 714 |
| Core capital (leverage) ratio | 14.0517% | 796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $40,188,200 | 4,391 |
| Average earning assets | $38,122,800 | 4,357 |
| Average equity | $5,432,800 | 4,221 |
| Average total loans | $29,279,000 | 4,150 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7849% | 704 |
| Cost of funding earning assets | 2.5232% | 263 |
| Net interest margin | 3.2616% | 2,774 |
| Noninterest income to average assets | 0.2700% | 3,321 |
| Noninterest expense to average assets | 3.0315% | 1,027 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.2454% | 4,184 |
| Return on assets (ROA) | 0.2454% | 4,192 |
| Pretax return on assets | 0.3317% | 4,131 |
| Return on Equity (ROE) | 1.8200% | 4,222 |
| Retained earnings to average equity (ytd only) | 1.8248% | 3,763 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 90.1381% | 372 |
| Assets per employee ($millions) | 6.7872% | 2,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0405% | 3,150 |
| Loan loss allowance to noncurrent loans | 95.2978% | 3,249 |
| Noncurrent assets plus other real estate owned to assets | 0.7833% | 710 |
| Noncurrent loans to loans | 1.0918% | 723 |
| Net loans and leases to total assets | 71.0000% | 1,701 |
| Net loans and leases to deposits | 107.4353% | 260 |
| Net loans and leases to core deposits | 141.2250% | 207 |
| Total domestic deposits to total assets | 66.0900% | 4,405 |
| Equity capital to assets | 13.2996% | 759 |
| Core capital (leverage) ratio | 13.5730% | 916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $40,198,500 | 4,407 |
| Average earning assets | $38,098,500 | 4,377 |
| Average equity | $5,406,750 | 4,234 |
| Average total loans | $29,356,750 | 4,165 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5948% | 737 |
| Cost of funding earning assets | 2.3654% | 240 |
| Net interest margin | 3.2294% | 2,916 |
| Noninterest income to average assets | 0.1000% | 4,323 |
| Noninterest expense to average assets | 2.6135% | 1,890 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4098% | 3,990 |
| Return on assets (ROA) | 0.4098% | 3,995 |
| Pretax return on assets | 0.5497% | 3,883 |
| Return on Equity (ROE) | 3.0300% | 4,150 |
| Retained earnings to average equity (ytd only) | 3.0350% | 3,471 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 82.6224% | 674 |
| Assets per employee ($millions) | 8.1914% | 1,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0383% | 3,257 |
| Loan loss allowance to noncurrent loans | 74.1463% | 3,475 |
| Noncurrent assets plus other real estate owned to assets | 1.0010% | 462 |
| Noncurrent loans to loans | 1.4003% | 495 |
| Net loans and leases to total assets | 70.7400% | 1,663 |
| Net loans and leases to deposits | 108.7364% | 229 |
| Net loans and leases to core deposits | 146.8874% | 156 |
| Total domestic deposits to total assets | 65.0600% | 4,439 |
| Equity capital to assets | 13.2798% | 754 |
| Core capital (leverage) ratio | 13.5697% | 860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $40,023,667 | 4,430 |
| Average earning assets | $37,964,000 | 4,401 |
| Average equity | $5,403,667 | 4,257 |
| Average total loans | $29,403,333 | 4,173 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4051% | 708 |
| Cost of funding earning assets | 2.0576% | 261 |
| Net interest margin | 3.3475% | 2,759 |
| Noninterest income to average assets | 0.1200% | 4,272 |
| Noninterest expense to average assets | 2.6291% | 1,875 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5056% | 3,883 |
| Return on assets (ROA) | 0.5056% | 3,844 |
| Pretax return on assets | 0.6674% | 3,722 |
| Return on Equity (ROE) | 3.7100% | 4,085 |
| Retained earnings to average equity (ytd only) | 3.7133% | 3,345 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 79.7546% | 851 |
| Assets per employee ($millions) | 6.8087% | 2,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0212% | 3,428 |
| Loan loss allowance to noncurrent loans | 80.6366% | 3,483 |
| Noncurrent assets plus other real estate owned to assets | 0.9228% | 471 |
| Noncurrent loans to loans | 1.2664% | 540 |
| Net loans and leases to total assets | 72.1300% | 1,411 |
| Net loans and leases to deposits | 113.1219% | 138 |
| Net loans and leases to core deposits | 151.7614% | 117 |
| Total domestic deposits to total assets | 63.7600% | 4,513 |
| Equity capital to assets | 13.2527% | 703 |
| Core capital (leverage) ratio | 14.3320% | 685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $39,557,000 | 4,499 |
| Average earning assets | $37,520,000 | 4,472 |
| Average equity | $5,386,000 | 4,317 |
| Average total loans | $29,465,500 | 4,232 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7076% | 507 |
| Cost of funding earning assets | 1.0117% | 155 |
| Net interest margin | 3.6959% | 1,391 |
| Noninterest income to average assets | -0.0100% | 4,689 |
| Noninterest expense to average assets | 2.8900% | 1,139 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.4430% | 4,188 |
| Return on assets (ROA) | 0.4430% | 4,145 |
| Pretax return on assets | 0.6038% | 4,021 |
| Return on Equity (ROE) | 3.1700% | 4,276 |
| Retained earnings to average equity (ytd only) | 3.1678% | 3,676 |
| Net charge-offs to loans | -0.0661% | 4,414 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 81.4870% | 623 |
| Assets per employee ($millions) | 6.3770% | 2,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0425% | 3,152 |
| Loan loss allowance to noncurrent loans | 74.8768% | 3,522 |
| Noncurrent assets plus other real estate owned to assets | 1.0611% | 400 |
| Noncurrent loans to loans | 1.3923% | 484 |
| Net loans and leases to total assets | 75.4200% | 1,072 |
| Net loans and leases to deposits | 123.4630% | 61 |
| Net loans and leases to core deposits | 159.4221% | 73 |
| Total domestic deposits to total assets | 61.0900% | 4,572 |
| Equity capital to assets | 14.0034% | 577 |
| Core capital (leverage) ratio | 14.6931% | 608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $37,924,000 | 4,547 |
| Average earning assets | $36,472,600 | 4,513 |
| Average equity | $5,303,400 | 4,403 |
| Average total loans | $27,213,400 | 4,281 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4488% | 537 |
| Cost of funding earning assets | 0.8803% | 112 |
| Net interest margin | 3.5685% | 1,464 |
| Noninterest income to average assets | -0.0100% | 4,724 |
| Noninterest expense to average assets | 2.8964% | 1,065 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 0.2854% | 4,395 |
| Return on assets (ROA) | 0.2854% | 4,354 |
| Pretax return on assets | 0.4651% | 4,193 |
| Return on Equity (ROE) | 2.0400% | 4,405 |
| Retained earnings to average equity (ytd only) | 2.0416% | 4,021 |
| Net charge-offs to loans | -0.0299% | 4,131 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 84.3943% | 526 |
| Assets per employee ($millions) | 5.3771% | 3,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0784% | 3,111 |
| Loan loss allowance to noncurrent loans | 51.9573% | 3,763 |
| Noncurrent assets plus other real estate owned to assets | 1.4931% | 226 |
| Noncurrent loans to loans | 2.0755% | 288 |
| Net loans and leases to total assets | 71.1600% | 1,381 |
| Net loans and leases to deposits | 110.0764% | 124 |
| Net loans and leases to core deposits | 145.5524% | 79 |
| Total domestic deposits to total assets | 64.6500% | 4,596 |
| Equity capital to assets | 13.8177% | 582 |
| Core capital (leverage) ratio | 14.2617% | 643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $37,839,500 | 4,583 |
| Average earning assets | $36,503,250 | 4,545 |
| Average equity | $5,289,750 | 4,440 |
| Average total loans | $26,726,500 | 4,320 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3535% | 475 |
| Cost of funding earning assets | 0.7831% | 107 |
| Net interest margin | 3.5705% | 1,133 |
| Noninterest income to average assets | -0.0158% | 4,749 |
| Noninterest expense to average assets | 2.5379% | 1,818 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6120% | 3,598 |
| Return on assets (ROA) | 0.6120% | 3,541 |
| Pretax return on assets | 0.8864% | 3,106 |
| Return on Equity (ROE) | 4.3614% | 3,945 |
| Retained earnings to average equity (ytd only) | 4.3614% | 2,945 |
| Net charge-offs to loans | -0.0376% | 4,130 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1140% | 1,495 |
| Assets per employee ($millions) | 6.3657% | 2,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0106% | 3,551 |
| Loan loss allowance to noncurrent loans | 102.2642% | 3,368 |
| Noncurrent assets plus other real estate owned to assets | 0.6938% | 778 |
| Noncurrent loans to loans | 0.9882% | 846 |
| Net loans and leases to total assets | 69.5031% | 1,343 |
| Net loans and leases to deposits | 107.1959% | 115 |
| Net loans and leases to core deposits | 140.8575% | 76 |
| Total domestic deposits to total assets | 64.8374% | 4,665 |
| Equity capital to assets | 13.9001% | 532 |
| Core capital (leverage) ratio | 14.3873% | 558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $37,906,000 | 4,624 |
| Average earning assets | $36,522,000 | 4,604 |
| Average equity | $5,319,333 | 4,491 |
| Average total loans | $26,609,333 | 4,379 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2534% | 481 |
| Cost of funding earning assets | 0.7144% | 141 |
| Net interest margin | 3.5390% | 1,012 |
| Noninterest income to average assets | -0.0318% | 4,775 |
| Noninterest expense to average assets | 2.4893% | 1,907 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5614% | 3,519 |
| Return on assets (ROA) | 0.5614% | 3,496 |
| Pretax return on assets | 0.8898% | 2,810 |
| Return on Equity (ROE) | 3.9816% | 3,883 |
| Retained earnings to average equity (ytd only) | 3.9816% | 2,939 |
| Net charge-offs to loans | -0.0302% | 4,090 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6677% | 1,779 |
| Assets per employee ($millions) | 5.4321% | 3,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0040% | 3,709 |
| Loan loss allowance to noncurrent loans | 94.0351% | 3,435 |
| Noncurrent assets plus other real estate owned to assets | 0.7495% | 750 |
| Noncurrent loans to loans | 1.0677% | 844 |
| Net loans and leases to total assets | 69.4911% | 1,064 |
| Net loans and leases to deposits | 107.6685% | 84 |
| Net loans and leases to core deposits | 141.0032% | 59 |
| Total domestic deposits to total assets | 64.5417% | 4,707 |
| Equity capital to assets | 13.9619% | 533 |
| Core capital (leverage) ratio | 14.4409% | 517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $37,762,000 | 4,649 |
| Average earning assets | $36,394,000 | 4,630 |
| Average equity | $5,324,500 | 4,534 |
| Average total loans | $26,505,500 | 4,403 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0659% | 1,219 |
| Cost of funding earning assets | 0.8110% | 194 |
| Net interest margin | 3.2550% | 2,447 |
| Noninterest income to average assets | 0.2139% | 4,089 |
| Noninterest expense to average assets | 2.7167% | 1,591 |
| Loan and lease loss provision to assets | 0.0267% | 2,523 |
| Net operating income to assets | 0.4385% | 4,206 |
| Return on assets (ROA) | 0.4385% | 4,249 |
| Pretax return on assets | 0.6043% | 4,101 |
| Return on Equity (ROE) | 3.1071% | 4,343 |
| Retained earnings to average equity (ytd only) | 3.1071% | 3,586 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1502% | 739 |
| Assets per employee ($millions) | 6.2498% | 2,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0107% | 3,701 |
| Loan loss allowance to noncurrent loans | 93.9929% | 3,461 |
| Noncurrent assets plus other real estate owned to assets | 1.0134% | 546 |
| Noncurrent loans to loans | 1.0753% | 902 |
| Net loans and leases to total assets | 69.4765% | 1,099 |
| Net loans and leases to deposits | 104.7104% | 123 |
| Net loans and leases to core deposits | 136.1039% | 76 |
| Total domestic deposits to total assets | 66.3511% | 4,728 |
| Equity capital to assets | 14.2404% | 623 |
| Core capital (leverage) ratio | 13.8737% | 634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $37,398,600 | 4,688 |
| Average earning assets | $36,006,600 | 4,660 |
| Average equity | $5,278,200 | 4,604 |
| Average total loans | $25,013,000 | 4,475 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0882% | 1,333 |
| Cost of funding earning assets | 0.8191% | 223 |
| Net interest margin | 3.2691% | 2,514 |
| Noninterest income to average assets | 0.2854% | 3,739 |
| Noninterest expense to average assets | 2.8076% | 1,325 |
| Loan and lease loss provision to assets | 0.0348% | 2,306 |
| Net operating income to assets | 0.4709% | 4,253 |
| Return on assets (ROA) | 0.4709% | 4,295 |
| Pretax return on assets | 0.5886% | 4,250 |
| Return on Equity (ROE) | 3.3442% | 4,415 |
| Retained earnings to average equity (ytd only) | 3.3442% | 3,790 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8087% | 644 |
| Assets per employee ($millions) | 6.4958% | 2,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0169% | 3,785 |
| Loan loss allowance to noncurrent loans | 102.7027% | 3,381 |
| Noncurrent assets plus other real estate owned to assets | 0.9134% | 749 |
| Noncurrent loans to loans | 0.9901% | 1,161 |
| Net loans and leases to total assets | 66.4323% | 1,492 |
| Net loans and leases to deposits | 98.3888% | 266 |
| Net loans and leases to core deposits | 132.2032% | 107 |
| Total domestic deposits to total assets | 67.5202% | 4,782 |
| Equity capital to assets | 13.6754% | 814 |
| Core capital (leverage) ratio | 13.6420% | 707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $37,373,500 | 4,757 |
| Average earning assets | $35,972,500 | 4,730 |
| Average equity | $5,262,750 | 4,670 |
| Average total loans | $24,686,500 | 4,538 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0994% | 1,354 |
| Cost of funding earning assets | 0.8221% | 264 |
| Net interest margin | 3.2773% | 2,526 |
| Noninterest income to average assets | 0.2877% | 3,702 |
| Noninterest expense to average assets | 2.4919% | 2,171 |
| Loan and lease loss provision to assets | 0.0543% | 1,948 |
| Net operating income to assets | 0.7383% | 3,661 |
| Return on assets (ROA) | 0.7383% | 3,728 |
| Pretax return on assets | 0.9012% | 3,663 |
| Return on Equity (ROE) | 5.1905% | 4,095 |
| Retained earnings to average equity (ytd only) | 5.1905% | 3,119 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2835% | 1,405 |
| Assets per employee ($millions) | 6.4850% | 2,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0598% | 3,587 |
| Loan loss allowance to noncurrent loans | 67.3418% | 3,744 |
| Noncurrent assets plus other real estate owned to assets | 1.7656% | 267 |
| Noncurrent loans to loans | 1.5737% | 705 |
| Net loans and leases to total assets | 63.8242% | 1,969 |
| Net loans and leases to deposits | 94.6959% | 433 |
| Net loans and leases to core deposits | 126.6459% | 155 |
| Total domestic deposits to total assets | 67.3991% | 4,802 |
| Equity capital to assets | 13.7086% | 778 |
| Core capital (leverage) ratio | 13.8897% | 647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $36,839,667 | 4,793 |
| Average earning assets | $35,517,000 | 4,762 |
| Average equity | $5,240,333 | 4,702 |
| Average total loans | $24,196,000 | 4,586 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9664% | 1,664 |
| Cost of funding earning assets | 0.8210% | 320 |
| Net interest margin | 3.1454% | 2,859 |
| Noninterest income to average assets | 0.0000% | 4,935 |
| Noninterest expense to average assets | 2.5919% | 1,906 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3463% | 4,455 |
| Return on assets (ROA) | 0.3463% | 4,487 |
| Pretax return on assets | 0.4469% | 4,427 |
| Return on Equity (ROE) | 2.3876% | 4,562 |
| Retained earnings to average equity (ytd only) | 2.3876% | 3,933 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2941% | 538 |
| Assets per employee ($millions) | 6.0162% | 2,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0350% | 3,711 |
| Loan loss allowance to noncurrent loans | 44.8336% | 4,050 |
| Noncurrent assets plus other real estate owned to assets | 1.5818% | 377 |
| Noncurrent loans to loans | 2.3086% | 423 |
| Net loans and leases to total assets | 67.8117% | 1,554 |
| Net loans and leases to deposits | 95.9959% | 409 |
| Net loans and leases to core deposits | 127.4431% | 172 |
| Total domestic deposits to total assets | 70.6402% | 4,756 |
| Equity capital to assets | 14.4638% | 583 |
| Core capital (leverage) ratio | 14.5007% | 562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $35,804,500 | 4,824 |
| Average earning assets | $34,590,500 | 4,793 |
| Average equity | $5,193,500 | 4,730 |
| Average total loans | $23,744,000 | 4,623 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3127% | 1,837 |
| Cost of funding earning assets | 1.1087% | 387 |
| Net interest margin | 3.2040% | 3,350 |
| Noninterest income to average assets | 0.0000% | 4,957 |
| Noninterest expense to average assets | 3.0182% | 1,396 |
| Loan and lease loss provision to assets | 0.0316% | 4,000 |
| Net operating income to assets | 0.0190% | 4,720 |
| Return on assets (ROA) | 0.0258% | 4,751 |
| Pretax return on assets | 0.0459% | 4,733 |
| Return on Equity (ROE) | 0.1746% | 4,755 |
| Retained earnings to average equity (ytd only) | 0.1746% | 4,469 |
| Net charge-offs to loans | 0.0090% | 3,009 |
| Credit loss provision to net charge-offs | 550.0000% | 1,177 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 2,363 |
| Efficiency ratio | 97.7674% | 206 |
| Assets per employee ($millions) | 5.0731% | 3,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1251% | 3,332 |
| Loan loss allowance to noncurrent loans | 46.4610% | 4,062 |
| Noncurrent assets plus other real estate owned to assets | 1.5516% | 459 |
| Noncurrent loans to loans | 2.4216% | 428 |
| Net loans and leases to total assets | 63.3532% | 2,448 |
| Net loans and leases to deposits | 88.3938% | 1,048 |
| Net loans and leases to core deposits | 117.7043% | 343 |
| Total domestic deposits to total assets | 71.6715% | 4,726 |
| Equity capital to assets | 14.5472% | 668 |
| Core capital (leverage) ratio | 14.6329% | 564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.4438% | 210 |
| Memoranda: | ||
| Average total assets | $34,821,600 | 4,831 |
| Average earning assets | $33,552,200 | 4,802 |
| Average equity | $5,154,200 | 4,729 |
| Average total loans | $22,270,600 | 4,673 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4274% | 1,775 |
| Cost of funding earning assets | 1.1777% | 404 |
| Net interest margin | 3.2497% | 3,336 |
| Noninterest income to average assets | 0.0000% | 4,986 |
| Noninterest expense to average assets | 3.0669% | 1,299 |
| Loan and lease loss provision to assets | 0.0260% | 4,017 |
| Net operating income to assets | 0.0217% | 4,756 |
| Return on assets (ROA) | 0.0308% | 4,774 |
| Pretax return on assets | 0.0500% | 4,760 |
| Return on Equity (ROE) | 0.2071% | 4,778 |
| Retained earnings to average equity (ytd only) | 0.2071% | 4,447 |
| Net charge-offs to loans | 0.0120% | 2,679 |
| Credit loss provision to net charge-offs | 350.0000% | 1,608 |
| Earnings coverage of net charge-offs (x) | 8.5000% | 2,492 |
| Efficiency ratio | 97.9115% | 193 |
| Assets per employee ($millions) | 5.8398% | 2,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1523% | 2,928 |
| Loan loss allowance to noncurrent loans | 49.5088% | 4,035 |
| Noncurrent assets plus other real estate owned to assets | 1.4527% | 600 |
| Noncurrent loans to loans | 2.3274% | 471 |
| Net loans and leases to total assets | 61.6970% | 3,045 |
| Net loans and leases to deposits | 86.7670% | 1,615 |
| Net loans and leases to core deposits | 113.8089% | 563 |
| Total domestic deposits to total assets | 71.1065% | 4,712 |
| Equity capital to assets | 14.8121% | 682 |
| Core capital (leverage) ratio | 14.9030% | 559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.3169% | 201 |
| Memoranda: | ||
| Average total assets | $34,649,000 | 4,861 |
| Average earning assets | $33,397,250 | 4,831 |
| Average equity | $5,151,250 | 4,756 |
| Average total loans | $22,149,750 | 4,709 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5206% | 1,855 |
| Cost of funding earning assets | 1.2641% | 414 |
| Net interest margin | 3.2565% | 3,503 |
| Noninterest income to average assets | 0.0000% | 5,011 |
| Noninterest expense to average assets | 2.9897% | 1,595 |
| Loan and lease loss provision to assets | 0.0232% | 3,958 |
| Net operating income to assets | 0.0848% | 4,703 |
| Return on assets (ROA) | 0.0985% | 4,723 |
| Pretax return on assets | 0.1391% | 4,692 |
| Return on Equity (ROE) | 0.6617% | 4,728 |
| Retained earnings to average equity (ytd only) | 0.6617% | 4,170 |
| Net charge-offs to loans | 0.0180% | 2,364 |
| Credit loss provision to net charge-offs | 200.0000% | 1,910 |
| Earnings coverage of net charge-offs (x) | 12.5000% | 2,049 |
| Efficiency ratio | 95.3789% | 259 |
| Assets per employee ($millions) | 4.9290% | 3,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1325% | 2,866 |
| Loan loss allowance to noncurrent loans | 31.2030% | 4,355 |
| Noncurrent assets plus other real estate owned to assets | 2.3128% | 267 |
| Noncurrent loans to loans | 3.6294% | 211 |
| Net loans and leases to total assets | 63.0032% | 3,006 |
| Net loans and leases to deposits | 89.3502% | 1,411 |
| Net loans and leases to core deposits | 116.4016% | 520 |
| Total domestic deposits to total assets | 70.5127% | 4,770 |
| Equity capital to assets | 15.0509% | 612 |
| Core capital (leverage) ratio | 14.6100% | 634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.5575% | 206 |
| Memoranda: | ||
| Average total assets | $34,519,000 | 4,887 |
| Average earning assets | $33,225,667 | 4,856 |
| Average equity | $5,138,333 | 4,784 |
| Average total loans | $22,243,000 | 4,727 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5889% | 2,030 |
| Cost of funding earning assets | 1.4055% | 386 |
| Net interest margin | 3.1834% | 3,903 |
| Noninterest income to average assets | 0.0000% | 5,056 |
| Noninterest expense to average assets | 3.0121% | 1,862 |
| Loan and lease loss provision to assets | 0.0116% | 3,631 |
| Net operating income to assets | 0.0305% | 4,729 |
| Return on assets (ROA) | 0.0579% | 4,696 |
| Pretax return on assets | 0.0811% | 4,676 |
| Return on Equity (ROE) | 0.3913% | 4,704 |
| Retained earnings to average equity (ytd only) | 0.3913% | 3,904 |
| Net charge-offs to loans | 0.0358% | 1,696 |
| Credit loss provision to net charge-offs | 50.0000% | 2,057 |
| Earnings coverage of net charge-offs (x) | 2.5000% | 2,283 |
| Efficiency ratio | 98.1132% | 274 |
| Assets per employee ($millions) | 5.0457% | 2,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1001% | 3,203 |
| Loan loss allowance to noncurrent loans | 43.3862% | 4,188 |
| Noncurrent assets plus other real estate owned to assets | 1.6053% | 636 |
| Noncurrent loans to loans | 2.5356% | 469 |
| Net loans and leases to total assets | 62.6161% | 3,235 |
| Net loans and leases to deposits | 92.9361% | 1,187 |
| Net loans and leases to core deposits | 118.4257% | 518 |
| Total domestic deposits to total assets | 67.3754% | 4,939 |
| Equity capital to assets | 14.2129% | 998 |
| Core capital (leverage) ratio | 15.1455% | 663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.1852% | 228 |
| Memoranda: | ||
| Average total assets | $34,527,000 | 4,917 |
| Average earning assets | $33,297,500 | 4,883 |
| Average equity | $5,111,000 | 4,825 |
| Average total loans | $22,371,000 | 4,757 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0948% | 1,224 |
| Cost of funding earning assets | 1.4561% | 453 |
| Net interest margin | 3.6387% | 3,001 |
| Noninterest income to average assets | 0.0000% | 5,130 |
| Noninterest expense to average assets | 3.1604% | 1,613 |
| Loan and lease loss provision to assets | 0.0508% | 3,006 |
| Net operating income to assets | 0.2362% | 4,812 |
| Return on assets (ROA) | 0.2362% | 4,833 |
| Pretax return on assets | 0.2930% | 4,822 |
| Return on Equity (ROE) | 1.5312% | 4,858 |
| Retained earnings to average equity (ytd only) | 1.5312% | 4,192 |
| Net charge-offs to loans | -0.0235% | 4,660 |
| Credit loss provision to net charge-offs | -340.0000% | 4,372 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1877% | 348 |
| Assets per employee ($millions) | 4.8191% | 2,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1037% | 2,929 |
| Loan loss allowance to noncurrent loans | 41.9355% | 4,240 |
| Noncurrent assets plus other real estate owned to assets | 1.7460% | 520 |
| Noncurrent loans to loans | 2.6318% | 398 |
| Net loans and leases to total assets | 65.6104% | 3,001 |
| Net loans and leases to deposits | 98.2553% | 738 |
| Net loans and leases to core deposits | 123.2212% | 399 |
| Total domestic deposits to total assets | 66.7754% | 5,015 |
| Equity capital to assets | 15.4206% | 703 |
| Core capital (leverage) ratio | 15.2366% | 640 |
| Tier 1 risk-based capital ratio | 33.0057% | 382 |
| Total risk-based capital ratio | 34.2567% | 377 |
| Memoranda: | ||
| Average total assets | $33,445,600 | 4,986 |
| Average earning assets | $32,209,000 | 4,958 |
| Average equity | $5,159,200 | 4,864 |
| Average total loans | $21,234,000 | 4,832 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0628% | 1,384 |
| Cost of funding earning assets | 1.4453% | 490 |
| Net interest margin | 3.6174% | 3,204 |
| Noninterest income to average assets | -0.0160% | 5,225 |
| Noninterest expense to average assets | 3.0922% | 1,730 |
| Loan and lease loss provision to assets | 0.0599% | 2,696 |
| Net operating income to assets | 0.2557% | 4,896 |
| Return on assets (ROA) | 0.2557% | 4,911 |
| Pretax return on assets | 0.3116% | 4,892 |
| Return on Equity (ROE) | 1.6574% | 4,944 |
| Retained earnings to average equity (ytd only) | 1.6574% | 4,380 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2734% | 352 |
| Assets per employee ($millions) | 4.8770% | 2,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0754% | 3,149 |
| Loan loss allowance to noncurrent loans | 38.4615% | 4,377 |
| Noncurrent assets plus other real estate owned to assets | 1.8278% | 534 |
| Noncurrent loans to loans | 2.7961% | 379 |
| Net loans and leases to total assets | 64.6680% | 3,218 |
| Net loans and leases to deposits | 96.5959% | 944 |
| Net loans and leases to core deposits | 122.7250% | 447 |
| Total domestic deposits to total assets | 66.9469% | 5,082 |
| Equity capital to assets | 15.2143% | 790 |
| Core capital (leverage) ratio | 15.1251% | 714 |
| Tier 1 risk-based capital ratio | 32.3341% | 417 |
| Total risk-based capital ratio | 33.5821% | 410 |
| Memoranda: | ||
| Average total assets | $33,373,500 | 5,061 |
| Average earning assets | $32,102,750 | 5,035 |
| Average equity | $5,148,500 | 4,931 |
| Average total loans | $20,947,500 | 4,910 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9935% | 1,504 |
| Cost of funding earning assets | 1.4294% | 481 |
| Net interest margin | 3.5641% | 3,385 |
| Noninterest income to average assets | -0.0242% | 5,272 |
| Noninterest expense to average assets | 3.0678% | 1,819 |
| Loan and lease loss provision to assets | 0.0544% | 2,734 |
| Net operating income to assets | 0.2476% | 4,938 |
| Return on assets (ROA) | 0.2476% | 4,956 |
| Pretax return on assets | 0.2718% | 4,958 |
| Return on Equity (ROE) | 1.5974% | 4,994 |
| Retained earnings to average equity (ytd only) | 1.5974% | 4,249 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3915% | 338 |
| Assets per employee ($millions) | 5.5168% | 1,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1115% | 3,013 |
| Loan loss allowance to noncurrent loans | 73.8170% | 3,768 |
| Noncurrent assets plus other real estate owned to assets | 0.9577% | 1,455 |
| Noncurrent loans to loans | 1.5058% | 1,027 |
| Net loans and leases to total assets | 62.8924% | 3,465 |
| Net loans and leases to deposits | 90.1563% | 1,722 |
| Net loans and leases to core deposits | 118.5670% | 587 |
| Total domestic deposits to total assets | 69.7592% | 5,053 |
| Equity capital to assets | 15.6007% | 688 |
| Core capital (leverage) ratio | 15.4781% | 622 |
| Tier 1 risk-based capital ratio | 34.3574% | 357 |
| Total risk-based capital ratio | 35.6091% | 352 |
| Memoranda: | ||
| Average total assets | $33,118,330 | 5,106 |
| Average earning assets | $31,761,330 | 5,079 |
| Average equity | $5,133,330 | 4,968 |
| Average total loans | $20,491,000 | 4,967 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9729% | 1,404 |
| Cost of funding earning assets | 1.3597% | 526 |
| Net interest margin | 3.6132% | 3,207 |
| Noninterest income to average assets | 0.0000% | 5,305 |
| Noninterest expense to average assets | 3.1998% | 1,490 |
| Loan and lease loss provision to assets | 0.0724% | 2,221 |
| Net operating income to assets | 0.2294% | 4,987 |
| Return on assets (ROA) | 0.2294% | 4,993 |
| Pretax return on assets | 0.1932% | 5,035 |
| Return on Equity (ROE) | 1.4850% | 5,028 |
| Retained earnings to average equity (ytd only) | 1.4850% | 4,202 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3345% | 315 |
| Assets per employee ($millions) | 4.7457% | 2,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1303% | 2,968 |
| Loan loss allowance to noncurrent loans | 83.6957% | 3,626 |
| Noncurrent assets plus other real estate owned to assets | 0.9512% | 1,479 |
| Noncurrent loans to loans | 1.3505% | 1,200 |
| Net loans and leases to total assets | 60.8248% | 3,622 |
| Net loans and leases to deposits | 86.9711% | 2,004 |
| Net loans and leases to core deposits | 114.1066% | 738 |
| Total domestic deposits to total assets | 69.9368% | 5,111 |
| Equity capital to assets | 15.4696% | 658 |
| Core capital (leverage) ratio | 15.3548% | 625 |
| Tier 1 risk-based capital ratio | 35.6118% | 309 |
| Total risk-based capital ratio | 36.8659% | 304 |
| Memoranda: | ||
| Average total assets | $33,127,000 | 5,161 |
| Average earning assets | $31,772,000 | 5,131 |
| Average equity | $5,118,000 | 5,012 |
| Average total loans | $20,210,500 | 5,037 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6000% | 2,130 |
| Cost of funding earning assets | 1.1077% | 479 |
| Net interest margin | 3.4922% | 3,729 |
| Noninterest income to average assets | 0.0300% | 5,304 |
| Noninterest expense to average assets | 3.0478% | 1,940 |
| Loan and lease loss provision to assets | 0.0690% | 2,756 |
| Net operating income to assets | 0.1680% | 5,133 |
| Return on assets (ROA) | 0.1680% | 5,126 |
| Pretax return on assets | 0.2610% | 5,075 |
| Return on Equity (ROE) | 1.1000% | 5,150 |
| Retained earnings to average equity (ytd only) | 1.1000% | 4,677 |
| Net charge-offs to loans | 0.1402% | 1,358 |
| Credit loss provision to net charge-offs | 82.1429% | 2,834 |
| Earnings coverage of net charge-offs (x) | 3.9286% | 3,363 |
| Efficiency ratio | 90.2309% | 334 |
| Assets per employee ($millions) | 5.5057% | 1,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1259% | 2,945 |
| Loan loss allowance to noncurrent loans | 80.6452% | 3,734 |
| Noncurrent assets plus other real estate owned to assets | 0.9657% | 1,416 |
| Noncurrent loans to loans | 1.3961% | 1,117 |
| Net loans and leases to total assets | 59.8141% | 3,799 |
| Net loans and leases to deposits | 83.7317% | 2,539 |
| Net loans and leases to core deposits | 109.2805% | 1,041 |
| Total domestic deposits to total assets | 71.4355% | 5,102 |
| Equity capital to assets | 15.4296% | 624 |
| Core capital (leverage) ratio | 15.2036% | 648 |
| Tier 1 risk-based capital ratio | 35.9904% | 297 |
| Total risk-based capital ratio | 37.2439% | 292 |
| Memoranda: | ||
| Average total assets | $33,336,000 | 5,200 |
| Average earning assets | $31,956,800 | 5,167 |
| Average equity | $5,090,800 | 5,041 |
| Average total loans | $19,965,600 | 5,078 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5108% | 2,264 |
| Cost of funding earning assets | 1.0403% | 503 |
| Net interest margin | 3.4705% | 3,802 |
| Noninterest income to average assets | 0.0399% | 5,367 |
| Noninterest expense to average assets | 2.8971% | 2,312 |
| Loan and lease loss provision to assets | 0.0319% | 3,381 |
| Net operating income to assets | 0.3153% | 5,079 |
| Return on assets (ROA) | 0.3153% | 5,072 |
| Pretax return on assets | 0.4390% | 4,986 |
| Return on Equity (ROE) | 2.0697% | 5,125 |
| Retained earnings to average equity (ytd only) | 2.0697% | 4,560 |
| Net charge-offs to loans | 0.1870% | 896 |
| Credit loss provision to net charge-offs | 28.5714% | 2,971 |
| Earnings coverage of net charge-offs (x) | 4.2146% | 3,088 |
| Efficiency ratio | 86.0190% | 515 |
| Assets per employee ($millions) | 5.6318% | 1,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0313% | 3,578 |
| Loan loss allowance to noncurrent loans | 74.4681% | 3,918 |
| Noncurrent assets plus other real estate owned to assets | 1.1719% | 1,204 |
| Noncurrent loans to loans | 1.3849% | 1,202 |
| Net loans and leases to total assets | 59.6401% | 3,886 |
| Net loans and leases to deposits | 81.2687% | 2,897 |
| Net loans and leases to core deposits | 103.4761% | 1,493 |
| Total domestic deposits to total assets | 73.3864% | 5,032 |
| Equity capital to assets | 15.0987% | 693 |
| Core capital (leverage) ratio | 15.2117% | 651 |
| Tier 1 risk-based capital ratio | 36.4055% | 291 |
| Total risk-based capital ratio | 37.6533% | 282 |
| Memoranda: | ||
| Average total assets | $33,411,500 | 5,269 |
| Average earning assets | $32,040,750 | 5,233 |
| Average equity | $5,089,250 | 5,100 |
| Average total loans | $19,961,000 | 5,138 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5017% | 2,082 |
| Cost of funding earning assets | 1.0018% | 467 |
| Net interest margin | 3.4999% | 3,627 |
| Noninterest income to average assets | 0.0721% | 5,347 |
| Noninterest expense to average assets | 2.8962% | 2,364 |
| Loan and lease loss provision to assets | 0.0240% | 3,440 |
| Net operating income to assets | 0.3725% | 5,015 |
| Return on assets (ROA) | 0.3725% | 5,016 |
| Pretax return on assets | 0.5107% | 4,886 |
| Return on Equity (ROE) | 2.4385% | 5,107 |
| Retained earnings to average equity (ytd only) | 2.4385% | 4,286 |
| Net charge-offs to loans | 0.2320% | 690 |
| Credit loss provision to net charge-offs | 17.3913% | 2,698 |
| Earnings coverage of net charge-offs (x) | 3.8696% | 2,844 |
| Efficiency ratio | 84.4133% | 668 |
| Assets per employee ($millions) | 5.6012% | 1,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0709% | 3,425 |
| Loan loss allowance to noncurrent loans | 56.4171% | 4,299 |
| Noncurrent assets plus other real estate owned to assets | 1.1129% | 1,327 |
| Noncurrent loans to loans | 1.8982% | 810 |
| Net loans and leases to total assets | 57.9998% | 3,991 |
| Net loans and leases to deposits | 79.0815% | 3,045 |
| Net loans and leases to core deposits | 100.8433% | 1,663 |
| Total domestic deposits to total assets | 73.3419% | 5,097 |
| Equity capital to assets | 15.1605% | 659 |
| Core capital (leverage) ratio | 15.2417% | 625 |
| Tier 1 risk-based capital ratio | 37.8550% | 269 |
| Total risk-based capital ratio | 39.1050% | 262 |
| Memoranda: | ||
| Average total assets | $33,285,000 | 5,333 |
| Average earning assets | $31,943,330 | 5,299 |
| Average equity | $5,085,000 | 5,156 |
| Average total loans | $19,827,000 | 5,201 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5139% | 1,826 |
| Cost of funding earning assets | 0.9430% | 484 |
| Net interest margin | 3.5709% | 3,282 |
| Noninterest income to average assets | 0.1449% | 5,140 |
| Noninterest expense to average assets | 2.8499% | 2,533 |
| Loan and lease loss provision to assets | 0.0121% | 3,372 |
| Net operating income to assets | 0.5193% | 4,645 |
| Return on assets (ROA) | 0.5193% | 4,646 |
| Pretax return on assets | 0.7125% | 4,408 |
| Return on Equity (ROE) | 3.3858% | 4,928 |
| Retained earnings to average equity (ytd only) | 3.3858% | 3,856 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7297% | 1,172 |
| Assets per employee ($millions) | 4.7483% | 2,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1676% | 2,988 |
| Loan loss allowance to noncurrent loans | 308.0000% | 1,614 |
| Noncurrent assets plus other real estate owned to assets | 0.2256% | 3,972 |
| Noncurrent loans to loans | 0.3791% | 3,425 |
| Net loans and leases to total assets | 58.8303% | 3,871 |
| Net loans and leases to deposits | 78.5270% | 2,959 |
| Net loans and leases to core deposits | 99.8315% | 1,702 |
| Total domestic deposits to total assets | 74.9173% | 5,072 |
| Equity capital to assets | 15.2837% | 610 |
| Core capital (leverage) ratio | 15.3698% | 578 |
| Tier 1 risk-based capital ratio | 37.6431% | 263 |
| Total risk-based capital ratio | 38.8983% | 259 |
| Memoranda: | ||
| Average total assets | $33,124,000 | 5,391 |
| Average earning assets | $31,812,500 | 5,356 |
| Average equity | $5,080,000 | 5,205 |
| Average total loans | $19,889,000 | 5,262 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0733% | 3,160 |
| Cost of funding earning assets | 0.8556% | 465 |
| Net interest margin | 3.2177% | 4,405 |
| Noninterest income to average assets | 0.0058% | 5,606 |
| Noninterest expense to average assets | 2.8107% | 2,734 |
| Loan and lease loss provision to assets | 0.0205% | 3,888 |
| Net operating income to assets | 0.1958% | 5,119 |
| Return on assets (ROA) | 0.1958% | 5,134 |
| Pretax return on assets | 0.2513% | 5,261 |
| Return on Equity (ROE) | 1.3241% | 5,181 |
| Retained earnings to average equity (ytd only) | 1.3241% | 4,486 |
| Net charge-offs to loans | 0.0597% | 2,613 |
| Credit loss provision to net charge-offs | 58.3333% | 3,234 |
| Earnings coverage of net charge-offs (x) | 7.7500% | 2,999 |
| Efficiency ratio | 91.1848% | 374 |
| Assets per employee ($millions) | 5.5017% | 1,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1504% | 3,065 |
| Loan loss allowance to noncurrent loans | 90.5512% | 3,702 |
| Noncurrent assets plus other real estate owned to assets | 1.2239% | 1,199 |
| Noncurrent loans to loans | 1.2704% | 1,382 |
| Net loans and leases to total assets | 59.8697% | 3,845 |
| Net loans and leases to deposits | 79.4141% | 2,980 |
| Net loans and leases to core deposits | 100.9501% | 1,636 |
| Total domestic deposits to total assets | 75.3893% | 5,044 |
| Equity capital to assets | 15.3893% | 607 |
| Core capital (leverage) ratio | 15.3016% | 570 |
| Tier 1 risk-based capital ratio | 36.6090% | 286 |
| Total risk-based capital ratio | 37.8609% | 278 |
| Memoranda: | ||
| Average total assets | $34,226,600 | 5,428 |
| Average earning assets | $32,725,400 | 5,391 |
| Average equity | $5,060,200 | 5,261 |
| Average total loans | $20,111,800 | 5,312 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9923% | 3,386 |
| Cost of funding earning assets | 0.8405% | 473 |
| Net interest margin | 3.1518% | 4,579 |
| Noninterest income to average assets | 0.0039% | 5,679 |
| Noninterest expense to average assets | 2.6681% | 3,173 |
| Loan and lease loss provision to assets | 0.0270% | 3,588 |
| Net operating income to assets | 0.2548% | 5,291 |
| Return on assets (ROA) | 0.2548% | 5,307 |
| Pretax return on assets | 0.3205% | 5,294 |
| Return on Equity (ROE) | 1.7408% | 5,340 |
| Retained earnings to average equity (ytd only) | 1.7408% | 4,728 |
| Net charge-offs to loans | 0.0794% | 2,006 |
| Credit loss provision to net charge-offs | 58.3333% | 2,824 |
| Earnings coverage of net charge-offs (x) | 7.5000% | 2,866 |
| Efficiency ratio | 88.4763% | 482 |
| Assets per employee ($millions) | 5.5203% | 1,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1437% | 3,230 |
| Loan loss allowance to noncurrent loans | 116.7513% | 3,273 |
| Noncurrent assets plus other real estate owned to assets | 1.0476% | 1,611 |
| Noncurrent loans to loans | 0.9796% | 1,966 |
| Net loans and leases to total assets | 60.0235% | 3,859 |
| Net loans and leases to deposits | 79.5717% | 3,005 |
| Net loans and leases to core deposits | 101.0265% | 1,621 |
| Total domestic deposits to total assets | 75.4332% | 5,080 |
| Equity capital to assets | 15.4157% | 645 |
| Core capital (leverage) ratio | 14.7338% | 715 |
| Tier 1 risk-based capital ratio | 36.7046% | 286 |
| Total risk-based capital ratio | 37.9598% | 282 |
| Memoranda: | ||
| Average total assets | $34,530,750 | 5,483 |
| Average earning assets | $32,996,250 | 5,445 |
| Average equity | $5,055,250 | 5,323 |
| Average total loans | $20,141,500 | 5,362 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8608% | 3,682 |
| Cost of funding earning assets | 0.8188% | 479 |
| Net interest margin | 3.0420% | 4,811 |
| Noninterest income to average assets | -0.0057% | 5,741 |
| Noninterest expense to average assets | 2.6228% | 3,359 |
| Loan and lease loss provision to assets | 0.0400% | 3,208 |
| Net operating income to assets | 0.1829% | 5,419 |
| Return on assets (ROA) | 0.1829% | 5,422 |
| Pretax return on assets | 0.2400% | 5,397 |
| Return on Equity (ROE) | 1.2703% | 5,442 |
| Retained earnings to average equity (ytd only) | 1.2703% | 4,743 |
| Net charge-offs to loans | 0.1191% | 1,453 |
| Credit loss provision to net charge-offs | 58.3333% | 2,478 |
| Earnings coverage of net charge-offs (x) | 4.0833% | 2,979 |
| Efficiency ratio | 90.3543% | 435 |
| Assets per employee ($millions) | 5.6943% | 1,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1711% | 3,191 |
| Loan loss allowance to noncurrent loans | 230.0000% | 1,982 |
| Noncurrent assets plus other real estate owned to assets | 0.8254% | 2,149 |
| Noncurrent loans to loans | 0.5092% | 3,234 |
| Net loans and leases to total assets | 56.8109% | 4,144 |
| Net loans and leases to deposits | 77.4819% | 3,164 |
| Net loans and leases to core deposits | 97.7391% | 1,834 |
| Total domestic deposits to total assets | 73.3214% | 5,352 |
| Equity capital to assets | 14.8071% | 736 |
| Core capital (leverage) ratio | 14.4119% | 761 |
| Tier 1 risk-based capital ratio | 36.3242% | 272 |
| Total risk-based capital ratio | 37.5750% | 270 |
| Memoranda: | ||
| Average total assets | $35,000,330 | 5,520 |
| Average earning assets | $33,465,000 | 5,481 |
| Average equity | $5,038,330 | 5,358 |
| Average total loans | $20,151,670 | 5,406 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8793% | 3,467 |
| Cost of funding earning assets | 0.8136% | 450 |
| Net interest margin | 3.0657% | 4,750 |
| Noninterest income to average assets | -0.0113% | 5,825 |
| Noninterest expense to average assets | 2.6089% | 3,467 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2372% | 5,335 |
| Return on assets (ROA) | 0.2372% | 5,347 |
| Pretax return on assets | 0.3162% | 5,288 |
| Return on Equity (ROE) | 1.6706% | 5,387 |
| Retained earnings to average equity (ytd only) | 1.6706% | 4,440 |
| Net charge-offs to loans | -0.1176% | 5,492 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1892% | 598 |
| Assets per employee ($millions) | 7.0628% | 923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1947% | 3,166 |
| Loan loss allowance to noncurrent loans | 325.6757% | 1,510 |
| Noncurrent assets plus other real estate owned to assets | 0.7617% | 2,396 |
| Noncurrent loans to loans | 0.3668% | 3,776 |
| Net loans and leases to total assets | 56.4422% | 4,122 |
| Net loans and leases to deposits | 77.4931% | 3,030 |
| Net loans and leases to core deposits | 98.2743% | 1,640 |
| Total domestic deposits to total assets | 72.8351% | 5,499 |
| Equity capital to assets | 14.2833% | 823 |
| Core capital (leverage) ratio | 14.1199% | 808 |
| Tier 1 risk-based capital ratio | 35.7974% | 310 |
| Total risk-based capital ratio | 37.0474% | 302 |
| Memoranda: | ||
| Average total assets | $35,417,500 | 5,576 |
| Average earning assets | $33,924,000 | 5,539 |
| Average equity | $5,028,000 | 5,413 |
| Average total loans | $20,407,500 | 5,450 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9050% | 3,553 |
| Cost of funding earning assets | 0.7899% | 531 |
| Net interest margin | 3.1150% | 4,690 |
| Noninterest income to average assets | 0.0027% | 5,847 |
| Noninterest expense to average assets | 2.6700% | 3,448 |
| Loan and lease loss provision to assets | -0.1119% | 5,699 |
| Net operating income to assets | 0.3171% | 5,175 |
| Return on assets (ROA) | 0.3171% | 5,249 |
| Pretax return on assets | 0.4184% | 5,188 |
| Return on Equity (ROE) | 2.3828% | 5,313 |
| Retained earnings to average equity (ytd only) | 2.3828% | 4,167 |
| Net charge-offs to loans | -0.0324% | 5,276 |
| Credit loss provision to net charge-offs | 600.0000% | 568 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7046% | 575 |
| Assets per employee ($millions) | 7.1042% | 874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1385% | 3,498 |
| Loan loss allowance to noncurrent loans | 93.2540% | 3,765 |
| Noncurrent assets plus other real estate owned to assets | 0.8277% | 2,275 |
| Noncurrent loans to loans | 1.2208% | 1,684 |
| Net loans and leases to total assets | 57.4505% | 4,123 |
| Net loans and leases to deposits | 80.0997% | 2,876 |
| Net loans and leases to core deposits | 100.5667% | 1,573 |
| Total domestic deposits to total assets | 71.7238% | 5,580 |
| Equity capital to assets | 14.1100% | 855 |
| Core capital (leverage) ratio | 13.5979% | 933 |
| Tier 1 risk-based capital ratio | 35.7398% | 301 |
| Total risk-based capital ratio | 36.9882% | 293 |
| Memoranda: | ||
| Average total assets | $37,527,800 | 5,581 |
| Average earning assets | $35,826,200 | 5,545 |
| Average equity | $4,994,200 | 5,470 |
| Average total loans | $21,597,800 | 5,461 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9400% | 3,454 |
| Cost of funding earning assets | 0.7828% | 551 |
| Net interest margin | 3.1571% | 4,615 |
| Noninterest income to average assets | -0.0140% | 5,940 |
| Noninterest expense to average assets | 2.6260% | 3,576 |
| Loan and lease loss provision to assets | -0.1297% | 5,820 |
| Net operating income to assets | 0.3822% | 5,082 |
| Return on assets (ROA) | 0.3822% | 5,168 |
| Pretax return on assets | 0.5013% | 5,117 |
| Return on Equity (ROE) | 2.9126% | 5,246 |
| Retained earnings to average equity (ytd only) | 2.9126% | 4,157 |
| Net charge-offs to loans | -0.0122% | 4,846 |
| Credit loss provision to net charge-offs | 1,850.0000% | 253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6023% | 699 |
| Assets per employee ($millions) | 5.3091% | 2,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0775% | 3,963 |
| Loan loss allowance to noncurrent loans | 81.5972% | 4,018 |
| Noncurrent assets plus other real estate owned to assets | 0.8019% | 2,536 |
| Noncurrent loans to loans | 1.3205% | 1,680 |
| Net loans and leases to total assets | 58.0535% | 4,089 |
| Net loans and leases to deposits | 84.5846% | 2,420 |
| Net loans and leases to core deposits | 106.1501% | 1,174 |
| Total domestic deposits to total assets | 68.6336% | 5,752 |
| Equity capital to assets | 13.5131% | 1,241 |
| Core capital (leverage) ratio | 13.3627% | 1,043 |
| Tier 1 risk-based capital ratio | 34.0578% | 353 |
| Total risk-based capital ratio | 35.3114% | 351 |
| Memoranda: | ||
| Average total assets | $38,029,500 | 5,630 |
| Average earning assets | $36,277,000 | 5,592 |
| Average equity | $4,989,750 | 5,527 |
| Average total loans | $21,836,750 | 5,504 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9408% | 3,465 |
| Cost of funding earning assets | 0.7849% | 531 |
| Net interest margin | 3.1560% | 4,674 |
| Noninterest income to average assets | -0.0104% | 6,016 |
| Noninterest expense to average assets | 2.4845% | 4,070 |
| Loan and lease loss provision to assets | -0.1879% | 5,931 |
| Net operating income to assets | 0.5115% | 4,633 |
| Return on assets (ROA) | 0.5115% | 4,746 |
| Pretax return on assets | 0.6942% | 4,633 |
| Return on Equity (ROE) | 3.9365% | 4,933 |
| Retained earnings to average equity (ytd only) | 3.9365% | 3,395 |
| Net charge-offs to loans | -0.0549% | 5,408 |
| Credit loss provision to net charge-offs | 600.0000% | 561 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0716% | 1,134 |
| Assets per employee ($millions) | 6.2967% | 1,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1466% | 3,676 |
| Loan loss allowance to noncurrent loans | 97.5610% | 3,758 |
| Noncurrent assets plus other real estate owned to assets | 1.6093% | 1,147 |
| Noncurrent loans to loans | 1.1753% | 1,954 |
| Net loans and leases to total assets | 54.7671% | 4,434 |
| Net loans and leases to deposits | 79.8202% | 2,949 |
| Net loans and leases to core deposits | 99.7445% | 1,648 |
| Total domestic deposits to total assets | 68.6130% | 5,823 |
| Equity capital to assets | 13.2239% | 1,375 |
| Core capital (leverage) ratio | 13.0225% | 1,142 |
| Tier 1 risk-based capital ratio | 33.8192% | 367 |
| Total risk-based capital ratio | 35.0736% | 361 |
| Memoranda: | ||
| Average total assets | $38,318,000 | 5,692 |
| Average earning assets | $36,439,000 | 5,655 |
| Average equity | $4,979,000 | 5,590 |
| Average total loans | $21,845,670 | 5,566 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0863% | 2,898 |
| Cost of funding earning assets | 0.7867% | 527 |
| Net interest margin | 3.2996% | 4,218 |
| Noninterest income to average assets | -0.0207% | 6,091 |
| Noninterest expense to average assets | 2.3013% | 4,663 |
| Loan and lease loss provision to assets | -0.1555% | 6,007 |
| Net operating income to assets | 0.6531% | 3,964 |
| Return on assets (ROA) | 0.6531% | 4,083 |
| Pretax return on assets | 0.9641% | 3,601 |
| Return on Equity (ROE) | 5.0699% | 4,451 |
| Retained earnings to average equity (ytd only) | 5.0699% | 2,896 |
| Net charge-offs to loans | -0.0897% | 5,587 |
| Credit loss provision to net charge-offs | 300.0000% | 841 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0000% | 2,474 |
| Assets per employee ($millions) | 5.5293% | 1,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1807% | 3,594 |
| Loan loss allowance to noncurrent loans | 100.7752% | 3,621 |
| Noncurrent assets plus other real estate owned to assets | 1.6174% | 1,229 |
| Noncurrent loans to loans | 1.1716% | 2,070 |
| Net loans and leases to total assets | 56.2227% | 4,230 |
| Net loans and leases to deposits | 84.3548% | 2,269 |
| Net loans and leases to core deposits | 104.2593% | 1,175 |
| Total domestic deposits to total assets | 66.6503% | 5,957 |
| Equity capital to assets | 12.8485% | 1,483 |
| Core capital (leverage) ratio | 12.7671% | 1,247 |
| Tier 1 risk-based capital ratio | 32.1313% | 427 |
| Total risk-based capital ratio | 33.3831% | 419 |
| Memoranda: | ||
| Average total assets | $38,587,000 | 5,742 |
| Average earning assets | $36,610,500 | 5,711 |
| Average equity | $4,970,500 | 5,630 |
| Average total loans | $22,303,000 | 5,606 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9774% | 3,393 |
| Cost of funding earning assets | 0.7517% | 634 |
| Net interest margin | 3.2257% | 4,541 |
| Noninterest income to average assets | -0.3366% | 6,170 |
| Noninterest expense to average assets | 2.5119% | 4,191 |
| Loan and lease loss provision to assets | -0.0129% | 5,638 |
| Net operating income to assets | 0.2693% | 5,439 |
| Return on assets (ROA) | 0.2667% | 5,524 |
| Pretax return on assets | 0.2512% | 5,611 |
| Return on Equity (ROE) | 2.0695% | 5,555 |
| Retained earnings to average equity (ytd only) | 2.0695% | 4,550 |
| Net charge-offs to loans | -0.0176% | 5,234 |
| Credit loss provision to net charge-offs | 125.0000% | 2,074 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2512% | 615 |
| Assets per employee ($millions) | 7.6938% | 635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1955% | 3,515 |
| Loan loss allowance to noncurrent loans | 186.2069% | 2,386 |
| Noncurrent assets plus other real estate owned to assets | 1.2997% | 1,635 |
| Noncurrent loans to loans | 0.6420% | 3,259 |
| Net loans and leases to total assets | 58.0077% | 4,093 |
| Net loans and leases to deposits | 86.2749% | 2,096 |
| Net loans and leases to core deposits | 107.8228% | 982 |
| Total domestic deposits to total assets | 67.2360% | 5,990 |
| Equity capital to assets | 12.9143% | 1,389 |
| Core capital (leverage) ratio | 12.7355% | 1,249 |
| Tier 1 risk-based capital ratio | 31.6328% | 441 |
| Total risk-based capital ratio | 32.8874% | 440 |
| Memoranda: | ||
| Average total assets | $38,615,800 | 5,794 |
| Average earning assets | $36,984,000 | 5,749 |
| Average equity | $4,977,000 | 5,660 |
| Average total loans | $22,755,400 | 5,626 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9453% | 3,563 |
| Cost of funding earning assets | 0.7589% | 622 |
| Net interest margin | 3.1864% | 4,712 |
| Noninterest income to average assets | -0.0483% | 6,219 |
| Noninterest expense to average assets | 2.3974% | 4,521 |
| Loan and lease loss provision to assets | 0.1656% | 1,284 |
| Net operating income to assets | 0.4657% | 4,912 |
| Return on assets (ROA) | 0.4622% | 5,024 |
| Pretax return on assets | 0.4415% | 5,367 |
| Return on Equity (ROE) | 3.5881% | 5,190 |
| Retained earnings to average equity (ytd only) | 3.5881% | 3,915 |
| Net charge-offs to loans | 0.1930% | 1,323 |
| Credit loss provision to net charge-offs | 145.4545% | 1,723 |
| Earnings coverage of net charge-offs (x) | 5.3634% | 3,215 |
| Efficiency ratio | 79.7018% | 1,705 |
| Assets per employee ($millions) | 5.6146% | 1,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2445% | 3,402 |
| Loan loss allowance to noncurrent loans | 58.3673% | 4,744 |
| Noncurrent assets plus other real estate owned to assets | 1.2722% | 1,837 |
| Noncurrent loans to loans | 2.1321% | 1,051 |
| Net loans and leases to total assets | 57.7477% | 4,170 |
| Net loans and leases to deposits | 85.5194% | 2,205 |
| Net loans and leases to core deposits | 107.9271% | 983 |
| Total domestic deposits to total assets | 67.5258% | 6,053 |
| Equity capital to assets | 12.8187% | 1,550 |
| Core capital (leverage) ratio | 12.8564% | 1,249 |
| Tier 1 risk-based capital ratio | 29.8392% | 534 |
| Total risk-based capital ratio | 31.0932% | 524 |
| Memoranda: | ||
| Average total assets | $38,652,500 | 5,871 |
| Average earning assets | $37,072,750 | 5,822 |
| Average equity | $4,979,250 | 5,729 |
| Average total loans | $22,798,000 | 5,699 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9978% | 3,299 |
| Cost of funding earning assets | 0.7605% | 610 |
| Net interest margin | 3.2374% | 4,539 |
| Noninterest income to average assets | -0.0728% | 6,295 |
| Noninterest expense to average assets | 2.3832% | 4,607 |
| Loan and lease loss provision to assets | 0.2654% | 631 |
| Net operating income to assets | 0.3165% | 5,391 |
| Return on assets (ROA) | 0.3122% | 5,497 |
| Pretax return on assets | 0.3746% | 5,525 |
| Return on Equity (ROE) | 2.4195% | 5,587 |
| Retained earnings to average equity (ytd only) | 2.4195% | 4,512 |
| Net charge-offs to loans | 0.3167% | 833 |
| Credit loss provision to net charge-offs | 141.6667% | 1,588 |
| Earnings coverage of net charge-offs (x) | 3.4444% | 3,197 |
| Efficiency ratio | 78.6942% | 1,965 |
| Assets per employee ($millions) | 5.4553% | 1,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2454% | 3,529 |
| Loan loss allowance to noncurrent loans | 56.1886% | 4,839 |
| Noncurrent assets plus other real estate owned to assets | 1.3329% | 1,883 |
| Noncurrent loans to loans | 2.2165% | 1,079 |
| Net loans and leases to total assets | 59.3867% | 3,921 |
| Net loans and leases to deposits | 88.3926% | 1,782 |
| Net loans and leases to core deposits | 109.8155% | 845 |
| Total domestic deposits to total assets | 67.1852% | 6,140 |
| Equity capital to assets | 12.9992% | 1,407 |
| Core capital (leverage) ratio | 12.7675% | 1,270 |
| Tier 1 risk-based capital ratio | 29.8920% | 551 |
| Total risk-based capital ratio | 31.1428% | 544 |
| Memoranda: | ||
| Average total assets | $38,436,000 | 5,937 |
| Average earning assets | $36,820,000 | 5,888 |
| Average equity | $4,959,670 | 5,790 |
| Average total loans | $22,736,670 | 5,755 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9786% | 3,308 |
| Cost of funding earning assets | 0.7589% | 627 |
| Net interest margin | 3.2197% | 4,533 |
| Noninterest income to average assets | -0.1037% | 6,366 |
| Noninterest expense to average assets | 2.2718% | 4,946 |
| Loan and lease loss provision to assets | -0.0622% | 6,178 |
| Net operating income to assets | 0.6520% | 4,038 |
| Return on assets (ROA) | 0.6431% | 4,190 |
| Pretax return on assets | 0.7573% | 4,399 |
| Return on Equity (ROE) | 5.0025% | 4,525 |
| Retained earnings to average equity (ytd only) | 5.0025% | 3,052 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3066% | 2,469 |
| Assets per employee ($millions) | 5.5049% | 1,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1737% | 4,128 |
| Loan loss allowance to noncurrent loans | 196.2963% | 2,260 |
| Noncurrent assets plus other real estate owned to assets | 0.9005% | 2,834 |
| Noncurrent loans to loans | 0.5979% | 3,783 |
| Net loans and leases to total assets | 57.9073% | 3,954 |
| Net loans and leases to deposits | 85.7934% | 1,855 |
| Net loans and leases to core deposits | 106.2116% | 923 |
| Total domestic deposits to total assets | 67.4962% | 6,215 |
| Equity capital to assets | 12.9418% | 1,435 |
| Core capital (leverage) ratio | 12.7038% | 1,274 |
| Tier 1 risk-based capital ratio | 29.5277% | 564 |
| Total risk-based capital ratio | 30.7808% | 555 |
| Memoranda: | ||
| Average total assets | $38,560,500 | 5,994 |
| Average earning assets | $36,897,500 | 5,941 |
| Average equity | $4,957,500 | 5,845 |
| Average total loans | $22,623,000 | 5,801 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1911% | 2,978 |
| Cost of funding earning assets | 0.8012% | 648 |
| Net interest margin | 3.3900% | 4,238 |
| Noninterest income to average assets | -0.1142% | 6,457 |
| Noninterest expense to average assets | 2.5592% | 4,365 |
| Loan and lease loss provision to assets | -0.1505% | 6,231 |
| Net operating income to assets | 0.4179% | 5,163 |
| Return on assets (ROA) | 0.4179% | 5,231 |
| Pretax return on assets | 0.7060% | 4,601 |
| Return on Equity (ROE) | 3.3237% | 5,367 |
| Retained earnings to average equity (ytd only) | 3.3237% | 3,862 |
| Net charge-offs to loans | 0.0465% | 3,896 |
| Credit loss provision to net charge-offs | -527.2727% | 5,800 |
| Earnings coverage of net charge-offs (x) | 19.4545% | 1,784 |
| Efficiency ratio | 82.1667% | 1,644 |
| Assets per employee ($millions) | 5.5124% | 1,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1956% | 4,028 |
| Loan loss allowance to noncurrent loans | 351.9481% | 1,422 |
| Noncurrent assets plus other real estate owned to assets | 0.9977% | 2,753 |
| Noncurrent loans to loans | 0.3397% | 4,637 |
| Net loans and leases to total assets | 58.0403% | 4,041 |
| Net loans and leases to deposits | 86.7222% | 1,882 |
| Net loans and leases to core deposits | 107.5128% | 930 |
| Total domestic deposits to total assets | 66.9267% | 6,307 |
| Equity capital to assets | 12.7711% | 1,484 |
| Core capital (leverage) ratio | 12.5695% | 1,322 |
| Tier 1 risk-based capital ratio | 30.5030% | 490 |
| Total risk-based capital ratio | 31.7574% | 485 |
| Memoranda: | ||
| Average total assets | $38,528,400 | 6,068 |
| Average earning assets | $36,696,600 | 6,023 |
| Average equity | $4,844,000 | 5,897 |
| Average total loans | $23,635,000 | 5,833 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2296% | 2,890 |
| Cost of funding earning assets | 0.8117% | 647 |
| Net interest margin | 3.4179% | 4,157 |
| Noninterest income to average assets | -0.1419% | 6,541 |
| Noninterest expense to average assets | 2.5306% | 4,427 |
| Loan and lease loss provision to assets | -0.1385% | 6,338 |
| Net operating income to assets | 0.4051% | 5,231 |
| Return on assets (ROA) | 0.4051% | 5,307 |
| Pretax return on assets | 0.7166% | 4,649 |
| Return on Equity (ROE) | 3.2345% | 5,460 |
| Retained earnings to average equity (ytd only) | 3.2345% | 4,330 |
| Net charge-offs to loans | 0.0838% | 3,005 |
| Credit loss provision to net charge-offs | -266.6667% | 5,620 |
| Earnings coverage of net charge-offs (x) | 11.1330% | 2,465 |
| Efficiency ratio | 81.4031% | 1,688 |
| Assets per employee ($millions) | 5.4314% | 1,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2450% | 3,986 |
| Loan loss allowance to noncurrent loans | 155.7377% | 2,647 |
| Noncurrent assets plus other real estate owned to assets | 1.6044% | 1,895 |
| Noncurrent loans to loans | 0.7994% | 3,585 |
| Net loans and leases to total assets | 59.4608% | 3,875 |
| Net loans and leases to deposits | 87.2015% | 1,764 |
| Net loans and leases to core deposits | 107.9763% | 856 |
| Total domestic deposits to total assets | 68.1878% | 6,346 |
| Equity capital to assets | 12.8064% | 1,518 |
| Core capital (leverage) ratio | 12.6118% | 1,344 |
| Tier 1 risk-based capital ratio | 30.0495% | 523 |
| Total risk-based capital ratio | 31.3091% | 516 |
| Memoranda: | ||
| Average total assets | $38,513,750 | 6,145 |
| Average earning assets | $36,629,750 | 6,097 |
| Average equity | $4,823,000 | 5,963 |
| Average total loans | $23,877,000 | 5,890 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2793% | 2,665 |
| Cost of funding earning assets | 0.8102% | 668 |
| Net interest margin | 3.4692% | 3,896 |
| Noninterest income to average assets | -0.1965% | 6,621 |
| Noninterest expense to average assets | 2.4768% | 4,650 |
| Loan and lease loss provision to assets | -0.1396% | 6,417 |
| Net operating income to assets | 0.4602% | 4,972 |
| Return on assets (ROA) | 0.4602% | 5,040 |
| Pretax return on assets | 0.7653% | 4,400 |
| Return on Equity (ROE) | 3.7024% | 5,266 |
| Retained earnings to average equity (ytd only) | 3.7024% | 3,835 |
| Net charge-offs to loans | 0.0744% | 2,956 |
| Credit loss provision to net charge-offs | -300.0000% | 5,464 |
| Earnings coverage of net charge-offs (x) | 13.4444% | 1,974 |
| Efficiency ratio | 79.8333% | 2,045 |
| Assets per employee ($millions) | 5.5709% | 1,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2913% | 3,901 |
| Loan loss allowance to noncurrent loans | 83.9779% | 4,054 |
| Noncurrent assets plus other real estate owned to assets | 2.0310% | 1,568 |
| Noncurrent loans to loans | 1.5377% | 2,258 |
| Net loans and leases to total assets | 59.5907% | 3,782 |
| Net loans and leases to deposits | 86.7802% | 1,740 |
| Net loans and leases to core deposits | 105.3686% | 937 |
| Total domestic deposits to total assets | 68.6686% | 6,400 |
| Equity capital to assets | 12.4346% | 1,686 |
| Core capital (leverage) ratio | 12.2269% | 1,537 |
| Tier 1 risk-based capital ratio | 28.9215% | 584 |
| Total risk-based capital ratio | 30.1771% | 571 |
| Memoranda: | ||
| Average total assets | $38,678,330 | 6,202 |
| Average earning assets | $36,781,330 | 6,153 |
| Average equity | $4,807,670 | 6,007 |
| Average total loans | $24,205,330 | 5,920 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3423% | 2,356 |
| Cost of funding earning assets | 0.8074% | 723 |
| Net interest margin | 3.5349% | 3,547 |
| Noninterest income to average assets | -0.2596% | 6,695 |
| Noninterest expense to average assets | 2.5649% | 4,395 |
| Loan and lease loss provision to assets | -0.3219% | 6,625 |
| Net operating income to assets | 0.4361% | 4,992 |
| Return on assets (ROA) | 0.4361% | 5,049 |
| Pretax return on assets | 0.8619% | 3,855 |
| Return on Equity (ROE) | 3.5095% | 5,262 |
| Retained earnings to average equity (ytd only) | 3.5095% | 4,023 |
| Net charge-offs to loans | 0.0815% | 2,340 |
| Credit loss provision to net charge-offs | -620.0000% | 5,236 |
| Earnings coverage of net charge-offs (x) | 10.4000% | 1,863 |
| Efficiency ratio | 82.6087% | 1,850 |
| Assets per employee ($millions) | 5.5694% | 1,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2487% | 4,386 |
| Loan loss allowance to noncurrent loans | 86.6097% | 3,979 |
| Noncurrent assets plus other real estate owned to assets | 2.0392% | 1,664 |
| Noncurrent loans to loans | 1.4417% | 2,624 |
| Net loans and leases to total assets | 61.6683% | 3,289 |
| Net loans and leases to deposits | 89.7625% | 1,180 |
| Net loans and leases to core deposits | 108.9599% | 631 |
| Total domestic deposits to total assets | 68.7016% | 6,497 |
| Equity capital to assets | 12.4583% | 1,603 |
| Core capital (leverage) ratio | 12.1496% | 1,573 |
| Tier 1 risk-based capital ratio | 28.1338% | 635 |
| Total risk-based capital ratio | 29.3914% | 619 |
| Memoranda: | ||
| Average total assets | $38,519,500 | 6,273 |
| Average earning assets | $36,662,500 | 6,215 |
| Average equity | $4,787,000 | 6,052 |
| Average total loans | $24,537,000 | 5,962 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5111% | 2,165 |
| Cost of funding earning assets | 0.8595% | 912 |
| Net interest margin | 3.6516% | 3,238 |
| Noninterest income to average assets | -0.3121% | 6,778 |
| Noninterest expense to average assets | 2.3499% | 5,236 |
| Loan and lease loss provision to assets | 0.0232% | 4,663 |
| Net operating income to assets | 0.7429% | 3,595 |
| Return on assets (ROA) | 0.7429% | 3,684 |
| Pretax return on assets | 0.7996% | 4,142 |
| Return on Equity (ROE) | 6.2032% | 3,974 |
| Retained earnings to average equity (ytd only) | 6.2032% | 1,847 |
| Net charge-offs to loans | 0.2697% | 2,352 |
| Credit loss provision to net charge-offs | 13.2353% | 4,547 |
| Earnings coverage of net charge-offs (x) | 4.6912% | 3,488 |
| Efficiency ratio | 74.0650% | 3,121 |
| Assets per employee ($millions) | 5.4361% | 1,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3750% | 3,769 |
| Loan loss allowance to noncurrent loans | 82.5243% | 4,110 |
| Noncurrent assets plus other real estate owned to assets | 2.7724% | 1,188 |
| Noncurrent loans to loans | 1.6661% | 2,409 |
| Net loans and leases to total assets | 64.0896% | 3,032 |
| Net loans and leases to deposits | 90.3259% | 1,205 |
| Net loans and leases to core deposits | 110.2133% | 601 |
| Total domestic deposits to total assets | 70.9537% | 6,482 |
| Equity capital to assets | 12.3959% | 1,570 |
| Core capital (leverage) ratio | 12.3037% | 1,447 |
| Tier 1 risk-based capital ratio | 27.7402% | 626 |
| Total risk-based capital ratio | 28.9976% | 611 |
| Memoranda: | ||
| Average total assets | $38,768,000 | 6,322 |
| Average earning assets | $36,997,800 | 6,257 |
| Average equity | $4,642,800 | 6,156 |
| Average total loans | $25,216,000 | 5,974 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5235% | 2,145 |
| Cost of funding earning assets | 0.8710% | 943 |
| Net interest margin | 3.6525% | 3,222 |
| Noninterest income to average assets | -0.2807% | 6,844 |
| Noninterest expense to average assets | 2.1602% | 5,701 |
| Loan and lease loss provision to assets | 0.0308% | 4,392 |
| Net operating income to assets | 0.9551% | 2,564 |
| Return on assets (ROA) | 0.9551% | 2,666 |
| Pretax return on assets | 1.0167% | 3,439 |
| Return on Equity (ROE) | 8.0443% | 3,104 |
| Retained earnings to average equity (ytd only) | 8.0443% | 1,395 |
| Net charge-offs to loans | 0.3578% | 1,767 |
| Credit loss provision to net charge-offs | 13.2353% | 4,180 |
| Earnings coverage of net charge-offs (x) | 4.5002% | 3,424 |
| Efficiency ratio | 67.3426% | 4,225 |
| Assets per employee ($millions) | 6.3163% | 1,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3479% | 4,144 |
| Loan loss allowance to noncurrent loans | 44.2708% | 5,467 |
| Noncurrent assets plus other real estate owned to assets | 3.2851% | 1,073 |
| Noncurrent loans to loans | 3.0446% | 1,312 |
| Net loans and leases to total assets | 65.6631% | 2,694 |
| Net loans and leases to deposits | 90.1075% | 1,150 |
| Net loans and leases to core deposits | 108.1627% | 660 |
| Total domestic deposits to total assets | 72.8719% | 6,440 |
| Equity capital to assets | 12.4360% | 1,621 |
| Core capital (leverage) ratio | 12.3319% | 1,502 |
| Tier 1 risk-based capital ratio | 27.2107% | 686 |
| Total risk-based capital ratio | 28.4698% | 673 |
| Memoranda: | ||
| Average total assets | $38,946,750 | 6,383 |
| Average earning assets | $37,197,500 | 6,320 |
| Average equity | $4,624,250 | 6,239 |
| Average total loans | $25,338,000 | 6,019 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5337% | 2,074 |
| Cost of funding earning assets | 0.8844% | 965 |
| Net interest margin | 3.6493% | 3,178 |
| Noninterest income to average assets | -0.1476% | 6,858 |
| Noninterest expense to average assets | 2.0765% | 5,916 |
| Loan and lease loss provision to assets | 0.3156% | 1,125 |
| Net operating income to assets | 0.9568% | 2,530 |
| Return on assets (ROA) | 0.9568% | 2,680 |
| Pretax return on assets | 0.9467% | 3,727 |
| Return on Equity (ROE) | 8.1834% | 3,002 |
| Retained earnings to average equity (ytd only) | 8.1834% | 1,409 |
| Net charge-offs to loans | 0.6384% | 1,029 |
| Credit loss provision to net charge-offs | 76.5432% | 2,696 |
| Earnings coverage of net charge-offs (x) | 3.0617% | 3,508 |
| Efficiency ratio | 62.1951% | 5,149 |
| Assets per employee ($millions) | 5.5719% | 1,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5047% | 3,569 |
| Loan loss allowance to noncurrent loans | 42.1754% | 5,532 |
| Noncurrent assets plus other real estate owned to assets | 3.1023% | 1,292 |
| Noncurrent loans to loans | 3.5676% | 1,164 |
| Net loans and leases to total assets | 63.7771% | 2,951 |
| Net loans and leases to deposits | 89.4913% | 1,192 |
| Net loans and leases to core deposits | 107.2476% | 673 |
| Total domestic deposits to total assets | 71.2663% | 6,605 |
| Equity capital to assets | 11.8914% | 1,981 |
| Core capital (leverage) ratio | 11.7534% | 1,764 |
| Tier 1 risk-based capital ratio | 26.4444% | 732 |
| Total risk-based capital ratio | 27.7040% | 720 |
| Memoranda: | ||
| Average total assets | $39,296,330 | 6,426 |
| Average earning assets | $37,541,330 | 6,357 |
| Average equity | $4,594,670 | 6,301 |
| Average total loans | $25,375,670 | 6,051 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5584% | 1,958 |
| Cost of funding earning assets | 0.8799% | 1,083 |
| Net interest margin | 3.6785% | 2,958 |
| Noninterest income to average assets | -0.2130% | 6,952 |
| Noninterest expense to average assets | 2.2311% | 5,607 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.5009% | 855 |
| Return on assets (ROA) | 1.5009% | 933 |
| Pretax return on assets | 1.0750% | 3,047 |
| Return on Equity (ROE) | 12.9455% | 1,183 |
| Retained earnings to average equity (ytd only) | 12.9455% | 568 |
| Net charge-offs to loans | -0.0315% | 5,916 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4847% | 4,415 |
| Assets per employee ($millions) | 5.6449% | 1,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5761% | 3,501 |
| Loan loss allowance to noncurrent loans | 38.1905% | 5,680 |
| Noncurrent assets plus other real estate owned to assets | 3.4317% | 1,249 |
| Noncurrent loans to loans | 4.1270% | 1,072 |
| Net loans and leases to total assets | 63.3725% | 2,822 |
| Net loans and leases to deposits | 89.0283% | 1,046 |
| Net loans and leases to core deposits | 105.3116% | 666 |
| Total domestic deposits to total assets | 71.1824% | 6,698 |
| Equity capital to assets | 11.7503% | 2,215 |
| Core capital (leverage) ratio | 11.5151% | 1,874 |
| Tier 1 risk-based capital ratio | 25.7841% | 810 |
| Total risk-based capital ratio | 27.0455% | 800 |
| Memoranda: | ||
| Average total assets | $39,443,000 | 6,481 |
| Average earning assets | $37,732,500 | 6,412 |
| Average equity | $4,573,000 | 6,378 |
| Average total loans | $25,436,000 | 6,101 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6466% | 2,813 |
| Cost of funding earning assets | 1.0097% | 1,306 |
| Net interest margin | 3.6369% | 3,931 |
| Noninterest income to average assets | 0.0228% | 6,772 |
| Noninterest expense to average assets | 2.4403% | 5,283 |
| Loan and lease loss provision to assets | 0.7382% | 689 |
| Net operating income to assets | 0.0406% | 6,099 |
| Return on assets (ROA) | 0.0406% | 6,241 |
| Pretax return on assets | 0.3349% | 5,753 |
| Return on Equity (ROE) | 0.3580% | 6,250 |
| Retained earnings to average equity (ytd only) | 0.3580% | 5,676 |
| Net charge-offs to loans | 0.3137% | 3,074 |
| Credit loss provision to net charge-offs | 363.7500% | 671 |
| Earnings coverage of net charge-offs (x) | 5.2875% | 3,081 |
| Efficiency ratio | 69.4585% | 3,904 |
| Assets per employee ($millions) | 6.5620% | 975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5690% | 3,446 |
| Loan loss allowance to noncurrent loans | 35.6568% | 5,831 |
| Noncurrent assets plus other real estate owned to assets | 3.4568% | 1,320 |
| Noncurrent loans to loans | 4.4003% | 985 |
| Net loans and leases to total assets | 63.5756% | 2,969 |
| Net loans and leases to deposits | 89.7394% | 1,095 |
| Net loans and leases to core deposits | 105.1767% | 727 |
| Total domestic deposits to total assets | 70.8448% | 6,754 |
| Equity capital to assets | 11.4371% | 2,503 |
| Core capital (leverage) ratio | 11.1475% | 2,128 |
| Tier 1 risk-based capital ratio | 24.4444% | 914 |
| Total risk-based capital ratio | 25.7031% | 895 |
| Memoranda: | ||
| Average total assets | $39,420,600 | 6,518 |
| Average earning assets | $37,834,200 | 6,440 |
| Average equity | $4,469,800 | 6,451 |
| Average total loans | $25,499,800 | 6,161 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6788% | 2,899 |
| Cost of funding earning assets | 1.0386% | 1,348 |
| Net interest margin | 3.6403% | 4,057 |
| Noninterest income to average assets | 0.0237% | 6,882 |
| Noninterest expense to average assets | 2.4818% | 5,136 |
| Loan and lease loss provision to assets | 0.9839% | 420 |
| Net operating income to assets | -0.1995% | 6,500 |
| Return on assets (ROA) | -0.1995% | 6,571 |
| Pretax return on assets | 0.0541% | 6,330 |
| Return on Equity (ROE) | -1.7631% | 6,551 |
| Retained earnings to average equity (ytd only) | -1.7631% | 6,364 |
| Net charge-offs to loans | 0.4180% | 2,419 |
| Credit loss provision to net charge-offs | 363.7500% | 736 |
| Earnings coverage of net charge-offs (x) | 3.8376% | 3,497 |
| Efficiency ratio | 70.5091% | 3,591 |
| Assets per employee ($millions) | 6.5828% | 910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5661% | 3,667 |
| Loan loss allowance to noncurrent loans | 49.0775% | 5,181 |
| Noncurrent assets plus other real estate owned to assets | 2.6711% | 1,969 |
| Noncurrent loans to loans | 3.1911% | 1,729 |
| Net loans and leases to total assets | 63.4934% | 3,119 |
| Net loans and leases to deposits | 89.6860% | 1,185 |
| Net loans and leases to core deposits | 100.8039% | 1,063 |
| Total domestic deposits to total assets | 70.7953% | 6,805 |
| Equity capital to assets | 11.2996% | 2,934 |
| Core capital (leverage) ratio | 10.9637% | 2,429 |
| Tier 1 risk-based capital ratio | 24.1397% | 1,005 |
| Total risk-based capital ratio | 25.4043% | 983 |
| Memoranda: | ||
| Average total assets | $39,432,750 | 6,601 |
| Average earning assets | $37,871,750 | 6,515 |
| Average equity | $4,461,500 | 6,521 |
| Average total loans | $25,517,250 | 6,247 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7090% | 2,876 |
| Cost of funding earning assets | 1.0717% | 1,352 |
| Net interest margin | 3.6373% | 4,092 |
| Noninterest income to average assets | 0.1370% | 6,503 |
| Noninterest expense to average assets | 2.2227% | 5,946 |
| Loan and lease loss provision to assets | 1.4057% | 267 |
| Net operating income to assets | -0.4821% | 6,725 |
| Return on assets (ROA) | -0.4821% | 6,766 |
| Pretax return on assets | 0.0051% | 6,440 |
| Return on Equity (ROE) | -4.2591% | 6,738 |
| Retained earnings to average equity (ytd only) | -4.2591% | 6,572 |
| Net charge-offs to loans | 0.5170% | 2,038 |
| Credit loss provision to net charge-offs | 419.6970% | 707 |
| Earnings coverage of net charge-offs (x) | 4.2121% | 3,145 |
| Efficiency ratio | 61.1732% | 5,391 |
| Assets per employee ($millions) | 6.6312% | 892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5778% | 3,680 |
| Loan loss allowance to noncurrent loans | 52.5000% | 4,974 |
| Noncurrent assets plus other real estate owned to assets | 2.4003% | 2,328 |
| Noncurrent loans to loans | 3.0053% | 1,970 |
| Net loans and leases to total assets | 62.5581% | 3,324 |
| Net loans and leases to deposits | 90.1387% | 1,133 |
| Net loans and leases to core deposits | 101.4428% | 1,006 |
| Total domestic deposits to total assets | 69.4021% | 6,935 |
| Equity capital to assets | 10.9885% | 3,133 |
| Core capital (leverage) ratio | 10.7800% | 2,504 |
| Tier 1 risk-based capital ratio | 23.7987% | 1,041 |
| Total risk-based capital ratio | 25.0612% | 1,022 |
| Memoranda: | ||
| Average total assets | $39,411,330 | 6,651 |
| Average earning assets | $37,885,000 | 6,557 |
| Average equity | $4,461,000 | 6,554 |
| Average total loans | $25,530,670 | 6,286 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8355% | 2,502 |
| Cost of funding earning assets | 1.0922% | 1,442 |
| Net interest margin | 3.7433% | 3,621 |
| Noninterest income to average assets | 0.2448% | 5,887 |
| Noninterest expense to average assets | 2.2232% | 5,985 |
| Loan and lease loss provision to assets | 0.0612% | 4,651 |
| Net operating income to assets | 1.0300% | 2,359 |
| Return on assets (ROA) | 1.0300% | 2,546 |
| Pretax return on assets | 1.5603% | 1,706 |
| Return on Equity (ROE) | 8.9668% | 2,851 |
| Retained earnings to average equity (ytd only) | 8.9668% | 1,608 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8249% | 5,936 |
| Assets per employee ($millions) | 6.5763% | 941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7498% | 6,816 |
| Loan loss allowance to noncurrent loans | 69.2308% | 4,074 |
| Noncurrent assets plus other real estate owned to assets | 1.1861% | 4,148 |
| Noncurrent loans to loans | 1.0830% | 4,529 |
| Net loans and leases to total assets | 63.4041% | 2,968 |
| Net loans and leases to deposits | 91.6175% | 830 |
| Net loans and leases to core deposits | 103.2223% | 800 |
| Total domestic deposits to total assets | 69.2052% | 7,013 |
| Equity capital to assets | 11.5667% | 2,377 |
| Core capital (leverage) ratio | 11.3389% | 2,007 |
| Tier 1 risk-based capital ratio | 24.7757% | 925 |
| Total risk-based capital ratio | 25.8224% | 930 |
| Memoranda: | ||
| Average total assets | $39,223,500 | 6,707 |
| Average earning assets | $37,721,000 | 6,614 |
| Average equity | $4,505,500 | 6,580 |
| Average total loans | $25,651,500 | 6,324 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0905% | 2,491 |
| Cost of funding earning assets | 1.2950% | 1,505 |
| Net interest margin | 3.7955% | 3,843 |
| Noninterest income to average assets | 0.0176% | 6,940 |
| Noninterest expense to average assets | 2.3848% | 5,811 |
| Loan and lease loss provision to assets | 0.0101% | 6,409 |
| Net operating income to assets | 1.1710% | 1,599 |
| Return on assets (ROA) | 1.1710% | 1,709 |
| Pretax return on assets | 1.2541% | 2,287 |
| Return on Equity (ROE) | 10.8660% | 1,740 |
| Retained earnings to average equity (ytd only) | 10.8660% | 422 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3554% | 4,889 |
| Assets per employee ($millions) | 6.4982% | 961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7204% | 6,879 |
| Loan loss allowance to noncurrent loans | 98.9474% | 3,075 |
| Noncurrent assets plus other real estate owned to assets | 0.9875% | 4,635 |
| Noncurrent loans to loans | 0.7281% | 5,242 |
| Net loans and leases to total assets | 66.4495% | 2,696 |
| Net loans and leases to deposits | 94.4066% | 786 |
| Net loans and leases to core deposits | 107.3684% | 736 |
| Total domestic deposits to total assets | 70.3865% | 6,963 |
| Equity capital to assets | 11.4058% | 2,594 |
| Core capital (leverage) ratio | 11.2587% | 2,076 |
| Tier 1 risk-based capital ratio | 24.5606% | 916 |
| Total risk-based capital ratio | 26.0262% | 882 |
| Memoranda: | ||
| Average total assets | $39,709,000 | 6,689 |
| Average earning assets | $37,992,200 | 6,606 |
| Average equity | $4,279,400 | 6,662 |
| Average total loans | $27,022,200 | 6,295 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1362% | 2,446 |
| Cost of funding earning assets | 1.3426% | 1,491 |
| Net interest margin | 3.7936% | 3,904 |
| Noninterest income to average assets | 0.0267% | 7,026 |
| Noninterest expense to average assets | 2.4467% | 5,638 |
| Loan and lease loss provision to assets | -0.0067% | 7,295 |
| Net operating income to assets | 1.2768% | 1,439 |
| Return on assets (ROA) | 1.2768% | 1,541 |
| Pretax return on assets | 1.2133% | 2,586 |
| Return on Equity (ROE) | 12.0194% | 1,545 |
| Retained earnings to average equity (ytd only) | 12.0194% | 494 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9716% | 4,529 |
| Assets per employee ($millions) | 6.5525% | 921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6918% | 6,977 |
| Loan loss allowance to noncurrent loans | 80.5310% | 3,544 |
| Noncurrent assets plus other real estate owned to assets | 1.0708% | 4,629 |
| Noncurrent loans to loans | 0.8590% | 5,144 |
| Net loans and leases to total assets | 66.4556% | 2,793 |
| Net loans and leases to deposits | 92.3444% | 984 |
| Net loans and leases to core deposits | 103.3587% | 1,014 |
| Total domestic deposits to total assets | 71.9649% | 6,938 |
| Equity capital to assets | 11.1332% | 3,018 |
| Core capital (leverage) ratio | 10.9568% | 2,429 |
| Tier 1 risk-based capital ratio | 23.6706% | 1,050 |
| Total risk-based capital ratio | 25.1489% | 1,006 |
| Memoranda: | ||
| Average total assets | $39,889,000 | 6,733 |
| Average earning assets | $38,133,750 | 6,656 |
| Average equity | $4,237,500 | 6,726 |
| Average total loans | $27,253,750 | 6,338 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1631% | 2,406 |
| Cost of funding earning assets | 1.4229% | 1,320 |
| Net interest margin | 3.7403% | 4,080 |
| Noninterest income to average assets | 0.0050% | 7,175 |
| Noninterest expense to average assets | 2.2156% | 6,346 |
| Loan and lease loss provision to assets | 0.0748% | 5,378 |
| Net operating income to assets | 1.5020% | 889 |
| Return on assets (ROA) | 1.5020% | 946 |
| Pretax return on assets | 1.2824% | 2,196 |
| Return on Equity (ROE) | 14.3641% | 904 |
| Retained earnings to average equity (ytd only) | 14.3641% | 285 |
| Net charge-offs to loans | 0.1814% | 4,075 |
| Credit loss provision to net charge-offs | 60.0000% | 4,339 |
| Earnings coverage of net charge-offs (x) | 10.8800% | 1,760 |
| Efficiency ratio | 62.0112% | 5,582 |
| Assets per employee ($millions) | 6.6303% | 867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6498% | 7,086 |
| Loan loss allowance to noncurrent loans | 29.0484% | 6,317 |
| Noncurrent assets plus other real estate owned to assets | 1.9959% | 3,242 |
| Noncurrent loans to loans | 2.2371% | 3,177 |
| Net loans and leases to total assets | 66.8694% | 2,847 |
| Net loans and leases to deposits | 93.7548% | 888 |
| Net loans and leases to core deposits | 101.4801% | 1,213 |
| Total domestic deposits to total assets | 71.3237% | 7,044 |
| Equity capital to assets | 10.7838% | 3,187 |
| Core capital (leverage) ratio | 10.6217% | 2,599 |
| Tier 1 risk-based capital ratio | 22.5810% | 1,182 |
| Total risk-based capital ratio | 23.9434% | 1,147 |
| Memoranda: | ||
| Average total assets | $40,080,330 | 6,785 |
| Average earning assets | $38,232,670 | 6,707 |
| Average equity | $4,191,000 | 6,790 |
| Average total loans | $27,568,670 | 6,386 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2527% | 2,040 |
| Cost of funding earning assets | 1.5320% | 1,046 |
| Net interest margin | 3.7206% | 3,994 |
| Noninterest income to average assets | -0.0398% | 7,345 |
| Noninterest expense to average assets | 2.3167% | 6,147 |
| Loan and lease loss provision to assets | 0.0398% | 5,498 |
| Net operating income to assets | 2.1477% | 283 |
| Return on assets (ROA) | 2.1477% | 293 |
| Pretax return on assets | 1.1534% | 2,544 |
| Return on Equity (ROE) | 20.8620% | 298 |
| Retained earnings to average equity (ytd only) | 20.8620% | 156 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0057% | 5,038 |
| Assets per employee ($millions) | 6.6210% | 874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6817% | 7,097 |
| Loan loss allowance to noncurrent loans | 25.0333% | 6,543 |
| Noncurrent assets plus other real estate owned to assets | 2.3813% | 2,862 |
| Noncurrent loans to loans | 2.7232% | 2,774 |
| Net loans and leases to total assets | 68.9473% | 2,339 |
| Net loans and leases to deposits | 96.4776% | 660 |
| Net loans and leases to core deposits | 105.4557% | 970 |
| Total domestic deposits to total assets | 71.4645% | 7,111 |
| Equity capital to assets | 10.6077% | 3,074 |
| Core capital (leverage) ratio | 10.4243% | 2,678 |
| Tier 1 risk-based capital ratio | 21.5326% | 1,308 |
| Total risk-based capital ratio | 22.9785% | 1,246 |
| Memoranda: | ||
| Average total assets | $40,229,500 | 6,824 |
| Average earning assets | $38,380,500 | 6,748 |
| Average equity | $4,141,500 | 6,836 |
| Average total loans | $27,965,000 | 6,420 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2582% | 3,321 |
| Cost of funding earning assets | 1.9379% | 749 |
| Net interest margin | 3.3203% | 5,906 |
| Noninterest income to average assets | 0.0025% | 7,271 |
| Noninterest expense to average assets | 2.1390% | 6,754 |
| Loan and lease loss provision to assets | 0.3348% | 4,142 |
| Net operating income to assets | 0.2819% | 4,994 |
| Return on assets (ROA) | 0.1354% | 5,638 |
| Pretax return on assets | 0.4628% | 4,753 |
| Return on Equity (ROE) | 1.3803% | 5,594 |
| Retained earnings to average equity (ytd only) | 1.3803% | 4,851 |
| Net charge-offs to loans | 0.0531% | 6,261 |
| Credit loss provision to net charge-offs | 906.6667% | 240 |
| Earnings coverage of net charge-offs (x) | 27.8000% | 785 |
| Efficiency ratio | 67.5739% | 4,649 |
| Assets per employee ($millions) | 6.7888% | 826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7407% | 7,065 |
| Loan loss allowance to noncurrent loans | 36.5217% | 5,874 |
| Noncurrent assets plus other real estate owned to assets | 2.0352% | 3,306 |
| Noncurrent loans to loans | 2.0281% | 3,522 |
| Net loans and leases to total assets | 69.0889% | 2,742 |
| Net loans and leases to deposits | 95.0647% | 948 |
| Net loans and leases to core deposits | 103.2810% | 1,370 |
| Total domestic deposits to total assets | 72.6757% | 7,028 |
| Equity capital to assets | 9.9894% | 3,751 |
| Core capital (leverage) ratio | 9.7873% | 3,333 |
| Tier 1 risk-based capital ratio | 20.2045% | 1,447 |
| Total risk-based capital ratio | 22.0871% | 1,325 |
| Memoranda: | ||
| Average total assets | $40,626,600 | 6,843 |
| Average earning assets | $38,701,200 | 6,772 |
| Average equity | $3,984,600 | 7,009 |
| Average total loans | $28,233,000 | 6,486 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2230% | 3,721 |
| Cost of funding earning assets | 2.0168% | 712 |
| Net interest margin | 3.2062% | 6,321 |
| Noninterest income to average assets | -0.0197% | 7,471 |
| Noninterest expense to average assets | 2.1576% | 6,717 |
| Loan and lease loss provision to assets | 0.4269% | 3,349 |
| Net operating income to assets | 0.0937% | 5,793 |
| Return on assets (ROA) | -0.1018% | 6,275 |
| Pretax return on assets | 0.1445% | 5,843 |
| Return on Equity (ROE) | -1.0428% | 6,283 |
| Retained earnings to average equity (ytd only) | -1.0428% | 6,022 |
| Net charge-offs to loans | 0.0709% | 5,802 |
| Credit loss provision to net charge-offs | 866.6667% | 347 |
| Earnings coverage of net charge-offs (x) | 17.7995% | 1,302 |
| Efficiency ratio | 71.1039% | 3,868 |
| Assets per employee ($millions) | 6.7867% | 840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7226% | 7,159 |
| Loan loss allowance to noncurrent loans | 27.6798% | 6,473 |
| Noncurrent assets plus other real estate owned to assets | 2.4705% | 2,897 |
| Noncurrent loans to loans | 2.6106% | 3,013 |
| Net loans and leases to total assets | 68.8286% | 3,026 |
| Net loans and leases to deposits | 94.7018% | 1,126 |
| Net loans and leases to core deposits | 104.0310% | 1,483 |
| Total domestic deposits to total assets | 72.6793% | 7,066 |
| Equity capital to assets | 9.8355% | 4,366 |
| Core capital (leverage) ratio | 9.4307% | 4,016 |
| Tier 1 risk-based capital ratio | 19.2168% | 1,704 |
| Total risk-based capital ratio | 20.2423% | 1,711 |
| Memoranda: | ||
| Average total assets | $40,600,000 | 6,918 |
| Average earning assets | $38,674,250 | 6,850 |
| Average equity | $3,963,500 | 7,105 |
| Average total loans | $28,203,250 | 6,574 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1991% | 3,963 |
| Cost of funding earning assets | 2.0869% | 693 |
| Net interest margin | 3.1122% | 6,573 |
| Noninterest income to average assets | -0.0148% | 7,558 |
| Noninterest expense to average assets | 2.0759% | 6,968 |
| Loan and lease loss provision to assets | 0.3353% | 3,722 |
| Net operating income to assets | 0.1653% | 5,677 |
| Return on assets (ROA) | -0.1282% | 6,338 |
| Pretax return on assets | 0.0789% | 6,021 |
| Return on Equity (ROE) | -1.3166% | 6,355 |
| Retained earnings to average equity (ytd only) | -1.3166% | 6,030 |
| Net charge-offs to loans | -0.0071% | 7,155 |
| Credit loss provision to net charge-offs | -6,800.0000% | 7,052 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4013% | 4,110 |
| Assets per employee ($millions) | 6.7988% | 840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7067% | 7,233 |
| Loan loss allowance to noncurrent loans | 25.0611% | 6,674 |
| Noncurrent assets plus other real estate owned to assets | 2.0052% | 3,496 |
| Noncurrent loans to loans | 2.8200% | 2,838 |
| Net loans and leases to total assets | 70.6053% | 2,768 |
| Net loans and leases to deposits | 96.8558% | 971 |
| Net loans and leases to core deposits | 106.3197% | 1,410 |
| Total domestic deposits to total assets | 72.8973% | 7,106 |
| Equity capital to assets | 9.8032% | 4,259 |
| Core capital (leverage) ratio | 9.5884% | 3,688 |
| Tier 1 risk-based capital ratio | 19.2736% | 1,661 |
| Total risk-based capital ratio | 21.1341% | 1,497 |
| Memoranda: | ||
| Average total assets | $40,560,000 | 6,979 |
| Average earning assets | $38,622,330 | 6,904 |
| Average equity | $3,949,670 | 7,142 |
| Average total loans | $28,194,000 | 6,620 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1589% | 4,249 |
| Cost of funding earning assets | 2.1095% | 791 |
| Net interest margin | 3.0494% | 6,711 |
| Noninterest income to average assets | -0.0198% | 7,699 |
| Noninterest expense to average assets | 2.0473% | 7,066 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7517% | 3,200 |
| Return on assets (ROA) | 0.7517% | 3,305 |
| Pretax return on assets | 0.8209% | 3,786 |
| Return on Equity (ROE) | 7.7452% | 3,004 |
| Retained earnings to average equity (ytd only) | 7.7452% | 1,817 |
| Net charge-offs to loans | -0.0144% | 6,992 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3793% | 4,053 |
| Assets per employee ($millions) | 6.7342% | 897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7318% | 7,287 |
| Loan loss allowance to noncurrent loans | 24.1420% | 6,792 |
| Noncurrent assets plus other real estate owned to assets | 3.3263% | 2,148 |
| Noncurrent loans to loans | 3.0312% | 2,645 |
| Net loans and leases to total assets | 68.4890% | 3,281 |
| Net loans and leases to deposits | 97.5226% | 952 |
| Net loans and leases to core deposits | 104.1004% | 1,729 |
| Total domestic deposits to total assets | 70.2289% | 7,397 |
| Equity capital to assets | 9.8255% | 4,080 |
| Core capital (leverage) ratio | 9.6503% | 3,582 |
| Tier 1 risk-based capital ratio | 19.4670% | 1,620 |
| Total risk-based capital ratio | 20.6893% | 1,608 |
| Memoranda: | ||
| Average total assets | $40,443,500 | 7,072 |
| Average earning assets | $38,303,000 | 7,010 |
| Average equity | $3,925,000 | 7,211 |
| Average total loans | $27,787,500 | 6,730 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6951% | 3,122 |
| Cost of funding earning assets | 2.4045% | 1,286 |
| Net interest margin | 3.2906% | 5,781 |
| Noninterest income to average assets | 0.0517% | 7,497 |
| Noninterest expense to average assets | 2.0294% | 7,320 |
| Loan and lease loss provision to assets | 0.0911% | 6,692 |
| Net operating income to assets | 0.6354% | 3,192 |
| Return on assets (ROA) | 0.6354% | 3,249 |
| Pretax return on assets | 1.0960% | 2,266 |
| Return on Equity (ROE) | 6.9945% | 2,789 |
| Retained earnings to average equity (ytd only) | 6.9945% | 960 |
| Net charge-offs to loans | 0.4231% | 4,099 |
| Credit loss provision to net charge-offs | 30.8333% | 6,895 |
| Earnings coverage of net charge-offs (x) | 4.0167% | 3,098 |
| Efficiency ratio | 63.0934% | 5,950 |
| Assets per employee ($millions) | 6.7470% | 887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7690% | 7,209 |
| Loan loss allowance to noncurrent loans | 48.0813% | 5,178 |
| Noncurrent assets plus other real estate owned to assets | 2.3195% | 2,980 |
| Noncurrent loans to loans | 1.5994% | 4,258 |
| Net loans and leases to total assets | 67.8944% | 3,725 |
| Net loans and leases to deposits | 106.8582% | 508 |
| Net loans and leases to core deposits | 167.8678% | 256 |
| Total domestic deposits to total assets | 63.5369% | 7,719 |
| Equity capital to assets | 9.5845% | 4,289 |
| Core capital (leverage) ratio | 9.4281% | 3,804 |
| Tier 1 risk-based capital ratio | 18.8124% | 1,699 |
| Total risk-based capital ratio | 19.9941% | 1,670 |
| Memoranda: | ||
| Average total assets | $40,603,200 | 7,070 |
| Average earning assets | $39,051,200 | 6,974 |
| Average equity | $3,688,600 | 7,388 |
| Average total loans | $28,361,600 | 6,722 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8432% | 2,691 |
| Cost of funding earning assets | 2.4984% | 1,307 |
| Net interest margin | 3.3448% | 5,464 |
| Noninterest income to average assets | 0.0558% | 7,623 |
| Noninterest expense to average assets | 1.9983% | 7,391 |
| Loan and lease loss provision to assets | 0.1214% | 6,144 |
| Net operating income to assets | 0.6595% | 3,357 |
| Return on assets (ROA) | 0.6595% | 3,418 |
| Pretax return on assets | 1.1649% | 2,369 |
| Return on Equity (ROE) | 7.3608% | 2,924 |
| Retained earnings to average equity (ytd only) | 7.3608% | 1,369 |
| Net charge-offs to loans | 0.6356% | 2,778 |
| Credit loss provision to net charge-offs | 27.2059% | 6,525 |
| Earnings coverage of net charge-offs (x) | 2.8823% | 3,786 |
| Efficiency ratio | 60.8392% | 6,303 |
| Assets per employee ($millions) | 6.7720% | 873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7000% | 7,371 |
| Loan loss allowance to noncurrent loans | 171.3043% | 1,706 |
| Noncurrent assets plus other real estate owned to assets | 0.6522% | 5,830 |
| Noncurrent loans to loans | 0.4086% | 6,516 |
| Net loans and leases to total assets | 68.7758% | 3,779 |
| Net loans and leases to deposits | 111.6996% | 405 |
| Net loans and leases to core deposits | 175.1050% | 223 |
| Total domestic deposits to total assets | 61.5722% | 7,831 |
| Equity capital to assets | 9.3079% | 5,025 |
| Core capital (leverage) ratio | 9.2093% | 4,319 |
| Tier 1 risk-based capital ratio | 18.4864% | 1,864 |
| Total risk-based capital ratio | 19.4615% | 1,875 |
| Memoranda: | ||
| Average total assets | $40,633,500 | 7,116 |
| Average earning assets | $39,224,000 | 7,027 |
| Average equity | $3,640,750 | 7,464 |
| Average total loans | $28,527,500 | 6,769 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9704% | 2,297 |
| Cost of funding earning assets | 2.5980% | 1,289 |
| Net interest margin | 3.3723% | 5,278 |
| Noninterest income to average assets | 0.0591% | 7,692 |
| Noninterest expense to average assets | 1.8064% | 7,735 |
| Loan and lease loss provision to assets | 0.1575% | 5,494 |
| Net operating income to assets | 0.7432% | 3,078 |
| Return on assets (ROA) | 0.7432% | 3,181 |
| Pretax return on assets | 1.3535% | 1,857 |
| Return on Equity (ROE) | 8.4037% | 2,609 |
| Retained earnings to average equity (ytd only) | 8.4037% | 1,088 |
| Net charge-offs to loans | 0.9631% | 1,810 |
| Credit loss provision to net charge-offs | 23.1884% | 6,097 |
| Earnings coverage of net charge-offs (x) | 2.2246% | 3,953 |
| Efficiency ratio | 54.4510% | 7,283 |
| Assets per employee ($millions) | 6.6537% | 906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6599% | 7,521 |
| Loan loss allowance to noncurrent loans | 96.4467% | 2,990 |
| Noncurrent assets plus other real estate owned to assets | 0.8567% | 5,271 |
| Noncurrent loans to loans | 0.6842% | 5,879 |
| Net loans and leases to total assets | 71.6447% | 3,309 |
| Net loans and leases to deposits | 109.5862% | 573 |
| Net loans and leases to core deposits | 170.5037% | 317 |
| Total domestic deposits to total assets | 65.3775% | 7,773 |
| Equity capital to assets | 9.2981% | 4,874 |
| Core capital (leverage) ratio | 9.1997% | 4,308 |
| Tier 1 risk-based capital ratio | 18.0156% | 2,020 |
| Total risk-based capital ratio | 18.9493% | 2,039 |
| Memoranda: | ||
| Average total assets | $40,634,000 | 7,180 |
| Average earning assets | $39,260,670 | 7,082 |
| Average equity | $3,593,670 | 7,541 |
| Average total loans | $28,656,000 | 6,810 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9617% | 2,513 |
| Cost of funding earning assets | 2.6631% | 1,364 |
| Net interest margin | 3.2986% | 5,504 |
| Noninterest income to average assets | 0.0586% | 7,782 |
| Noninterest expense to average assets | 1.7468% | 7,767 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8783% | 2,804 |
| Return on assets (ROA) | 0.8783% | 2,947 |
| Pretax return on assets | 1.5028% | 1,662 |
| Return on Equity (ROE) | 10.1853% | 2,249 |
| Retained earnings to average equity (ytd only) | 10.1853% | 1,145 |
| Net charge-offs to loans | 1.4412% | 996 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 1.4951% | 3,988 |
| Efficiency ratio | 53.7538% | 7,245 |
| Assets per employee ($millions) | 6.7382% | 866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6709% | 7,527 |
| Loan loss allowance to noncurrent loans | 80.0830% | 3,667 |
| Noncurrent assets plus other real estate owned to assets | 0.5961% | 5,690 |
| Noncurrent loans to loans | 0.8378% | 5,345 |
| Net loans and leases to total assets | 70.6745% | 3,536 |
| Net loans and leases to deposits | 110.2524% | 599 |
| Net loans and leases to core deposits | 171.5581% | 320 |
| Total domestic deposits to total assets | 64.1025% | 7,839 |
| Equity capital to assets | 8.9589% | 5,406 |
| Core capital (leverage) ratio | 9.0184% | 4,676 |
| Tier 1 risk-based capital ratio | 17.6048% | 2,152 |
| Total risk-based capital ratio | 18.5357% | 2,195 |
| Memoranda: | ||
| Average total assets | $40,990,000 | 7,203 |
| Average earning assets | $39,653,000 | 7,107 |
| Average equity | $3,534,500 | 7,616 |
| Average total loans | $28,588,000 | 6,841 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4358% | 3,249 |
| Cost of funding earning assets | 3.3453% | 819 |
| Net interest margin | 3.0905% | 6,674 |
| Noninterest income to average assets | 0.1058% | 7,605 |
| Noninterest expense to average assets | 1.8944% | 7,622 |
| Loan and lease loss provision to assets | 0.2658% | 4,272 |
| Net operating income to assets | 0.4671% | 4,879 |
| Return on assets (ROA) | 0.4671% | 4,698 |
| Pretax return on assets | 0.9188% | 3,663 |
| Return on Equity (ROE) | 5.2237% | 4,273 |
| Retained earnings to average equity (ytd only) | 5.2237% | 1,901 |
| Net charge-offs to loans | 0.1183% | 5,082 |
| Credit loss provision to net charge-offs | 321.8750% | 1,401 |
| Earnings coverage of net charge-offs (x) | 14.3438% | 2,042 |
| Efficiency ratio | 61.5256% | 6,045 |
| Assets per employee ($millions) | 8.3102% | 418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0419% | 5,701 |
| Loan loss allowance to noncurrent loans | 103.4965% | 3,358 |
| Noncurrent assets plus other real estate owned to assets | 0.6883% | 5,161 |
| Noncurrent loans to loans | 1.0067% | 4,576 |
| Net loans and leases to total assets | 67.6614% | 4,523 |
| Net loans and leases to deposits | 111.9901% | 707 |
| Net loans and leases to core deposits | 171.0722% | 384 |
| Total domestic deposits to total assets | 60.4173% | 7,953 |
| Equity capital to assets | 8.2958% | 6,430 |
| Core capital (leverage) ratio | 8.4082% | 5,743 |
| Tier 1 risk-based capital ratio | 16.6865% | 2,423 |
| Total risk-based capital ratio | 17.9364% | 2,357 |
| Memoranda: | ||
| Average total assets | $38,745,800 | 7,270 |
| Average earning assets | $37,275,800 | 7,181 |
| Average equity | $3,465,000 | 7,694 |
| Average total loans | $27,057,000 | 6,892 |