Home > United Bank of Philadelphia > Performance and Condition Ratios
United Bank of Philadelphia, 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 | 6.2296% | 476 |
| Cost of funding earning assets | 0.0275% | 4,506 |
| Net interest margin | 6.2020% | 96 |
| Noninterest income to average assets | 6.8900% | 105 |
| Noninterest expense to average assets | 6.8665% | 145 |
| Loan and lease loss provision to assets | -0.0800% | 4,490 |
| Net operating income to assets | 5.9795% | 63 |
| Return on assets (ROA) | 5.9795% | 63 |
| Pretax return on assets | 5.9795% | 79 |
| Return on Equity (ROE) | 49.4000% | 55 |
| Retained earnings to average equity (ytd only) | 49.4036% | 16 |
| Net charge-offs to loans | -0.1557% | 4,542 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 53.7801% | 3,691 |
| Assets per employee ($millions) | 3.9799% | 4,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4392% | 4,369 |
| Loan loss allowance to noncurrent loans | 3.8546% | 3,802 |
| Noncurrent assets plus other real estate owned to assets | 7.1699% | 14 |
| Noncurrent loans to loans | 11.3942% | 8 |
| Net loans and leases to total assets | 57.3600% | 3,092 |
| Net loans and leases to deposits | 68.9913% | 2,951 |
| Net loans and leases to core deposits | 72.2752% | 3,175 |
| Total domestic deposits to total assets | 83.1500% | 2,854 |
| Equity capital to assets | 16.2494% | 441 |
| Core capital (leverage) ratio | 16.2714% | 456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.6721% | 192 |
| Memoranda: | ||
| Average total assets | $57,496,800 | 4,243 |
| Average earning assets | $54,466,200 | 4,205 |
| Average equity | $6,959,000 | 4,053 |
| Average total loans | $32,103,800 | 4,110 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2249% | 404 |
| Cost of funding earning assets | 0.0292% | 4,534 |
| Net interest margin | 6.1957% | 91 |
| Noninterest income to average assets | 8.6100% | 95 |
| Noninterest expense to average assets | 6.6733% | 155 |
| Loan and lease loss provision to assets | -0.1500% | 4,571 |
| Net operating income to assets | 7.9573% | 49 |
| Return on assets (ROA) | 7.9573% | 49 |
| Pretax return on assets | 7.9573% | 60 |
| Return on Equity (ROE) | 71.6500% | 37 |
| Retained earnings to average equity (ytd only) | 71.6453% | 18 |
| Net charge-offs to loans | -0.2035% | 4,570 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 46.0829% | 4,131 |
| Assets per employee ($millions) | 4.0856% | 4,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3807% | 4,417 |
| Loan loss allowance to noncurrent loans | 3.2450% | 3,826 |
| Noncurrent assets plus other real estate owned to assets | 7.0544% | 14 |
| Noncurrent loans to loans | 11.7307% | 4 |
| Net loans and leases to total assets | 54.9000% | 3,295 |
| Net loans and leases to deposits | 65.4714% | 3,177 |
| Net loans and leases to core deposits | 66.8711% | 3,384 |
| Total domestic deposits to total assets | 83.8600% | 2,817 |
| Equity capital to assets | 15.5845% | 484 |
| Core capital (leverage) ratio | 16.4082% | 451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.9910% | 164 |
| Memoranda: | ||
| Average total assets | $57,941,250 | 4,246 |
| Average earning assets | $54,875,000 | 4,218 |
| Average equity | $6,435,250 | 4,118 |
| Average total loans | $32,103,750 | 4,124 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1650% | 365 |
| Cost of funding earning assets | 0.0254% | 4,560 |
| Net interest margin | 6.1396% | 95 |
| Noninterest income to average assets | 0.9000% | 691 |
| Noninterest expense to average assets | 6.7092% | 153 |
| Loan and lease loss provision to assets | -0.0500% | 4,500 |
| Net operating income to assets | 0.0584% | 4,386 |
| Return on assets (ROA) | 0.0584% | 4,421 |
| Pretax return on assets | 0.0584% | 4,418 |
| Return on Equity (ROE) | 0.6100% | 4,397 |
| Retained earnings to average equity (ytd only) | 0.6062% | 3,968 |
| Net charge-offs to loans | -0.0557% | 4,399 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 99.8465% | 176 |
| Assets per employee ($millions) | 4.0091% | 4,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4075% | 4,439 |
| Loan loss allowance to noncurrent loans | 3.5017% | 3,826 |
| Noncurrent assets plus other real estate owned to assets | 7.2655% | 20 |
| Noncurrent loans to loans | 11.6368% | 7 |
| Net loans and leases to total assets | 57.0400% | 3,037 |
| Net loans and leases to deposits | 63.6609% | 3,217 |
| Net loans and leases to core deposits | 64.9590% | 3,395 |
| Total domestic deposits to total assets | 89.6000% | 1,051 |
| Equity capital to assets | 9.9077% | 1,912 |
| Core capital (leverage) ratio | 9.7783% | 2,976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6305% | 511 |
| Memoranda: | ||
| Average total assets | $58,189,000 | 4,266 |
| Average earning assets | $55,117,333 | 4,236 |
| Average equity | $5,609,000 | 4,238 |
| Average total loans | $32,297,000 | 4,132 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0876% | 284 |
| Cost of funding earning assets | 0.0285% | 4,601 |
| Net interest margin | 6.0590% | 97 |
| Noninterest income to average assets | 0.8600% | 744 |
| Noninterest expense to average assets | 6.5316% | 161 |
| Loan and lease loss provision to assets | -0.0400% | 4,493 |
| Net operating income to assets | 0.1081% | 4,428 |
| Return on assets (ROA) | 0.1081% | 4,400 |
| Pretax return on assets | 0.1081% | 4,399 |
| Return on Equity (ROE) | 1.1400% | 4,372 |
| Retained earnings to average equity (ytd only) | 1.1362% | 3,848 |
| Net charge-offs to loans | -0.0741% | 4,449 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 98.9765% | 187 |
| Assets per employee ($millions) | 3.9349% | 4,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4245% | 4,484 |
| Loan loss allowance to noncurrent loans | 3.2350% | 3,877 |
| Noncurrent assets plus other real estate owned to assets | 7.6936% | 5 |
| Noncurrent loans to loans | 13.1207% | 6 |
| Net loans and leases to total assets | 54.0600% | 3,198 |
| Net loans and leases to deposits | 60.2049% | 3,319 |
| Net loans and leases to core deposits | 61.3676% | 3,481 |
| Total domestic deposits to total assets | 89.7900% | 1,236 |
| Equity capital to assets | 9.5099% | 2,136 |
| Core capital (leverage) ratio | 9.6453% | 3,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7771% | 586 |
| Memoranda: | ||
| Average total assets | $59,219,500 | 4,316 |
| Average earning assets | $56,114,500 | 4,284 |
| Average equity | $5,633,000 | 4,286 |
| Average total loans | $32,371,500 | 4,193 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8483% | 2,142 |
| Cost of funding earning assets | 0.0251% | 4,619 |
| Net interest margin | 3.8232% | 1,110 |
| Noninterest income to average assets | 0.8000% | 996 |
| Noninterest expense to average assets | 5.9514% | 165 |
| Loan and lease loss provision to assets | -0.0700% | 4,460 |
| Net operating income to assets | -1.4610% | 4,676 |
| Return on assets (ROA) | -1.4610% | 4,672 |
| Pretax return on assets | -1.4610% | 4,666 |
| Return on Equity (ROE) | -15.0700% | 4,684 |
| Retained earnings to average equity (ytd only) | -15.0680% | 4,677 |
| Net charge-offs to loans | -0.0565% | 4,378 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 134.6691% | 50 |
| Assets per employee ($millions) | 3.9611% | 4,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2630% | 4,562 |
| Loan loss allowance to noncurrent loans | 2.8515% | 3,896 |
| Noncurrent assets plus other real estate owned to assets | 5.6433% | 17 |
| Noncurrent loans to loans | 9.2227% | 15 |
| Net loans and leases to total assets | 54.8900% | 3,124 |
| Net loans and leases to deposits | 61.2818% | 3,255 |
| Net loans and leases to core deposits | 62.1624% | 3,382 |
| Total domestic deposits to total assets | 89.5800% | 1,524 |
| Equity capital to assets | 9.5143% | 1,995 |
| Core capital (leverage) ratio | 9.4609% | 3,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4492% | 519 |
| Memoranda: | ||
| Average total assets | $63,245,400 | 4,303 |
| Average earning assets | $59,792,400 | 4,264 |
| Average equity | $6,132,200 | 4,314 |
| Average total loans | $37,159,800 | 4,116 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4394% | 2,806 |
| Cost of funding earning assets | 0.0242% | 4,653 |
| Net interest margin | 3.4152% | 1,930 |
| Noninterest income to average assets | 0.8300% | 974 |
| Noninterest expense to average assets | 5.7130% | 176 |
| Loan and lease loss provision to assets | -0.0500% | 4,490 |
| Net operating income to assets | -1.6032% | 4,722 |
| Return on assets (ROA) | -1.6032% | 4,716 |
| Pretax return on assets | -1.6032% | 4,707 |
| Return on Equity (ROE) | -16.4600% | 4,724 |
| Retained earnings to average equity (ytd only) | -16.4637% | 4,719 |
| Net charge-offs to loans | -0.0557% | 4,334 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 140.7881% | 47 |
| Assets per employee ($millions) | 3.8671% | 4,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2919% | 4,590 |
| Loan loss allowance to noncurrent loans | 2.9619% | 3,979 |
| Noncurrent assets plus other real estate owned to assets | 6.0560% | 10 |
| Noncurrent loans to loans | 9.8569% | 14 |
| Net loans and leases to total assets | 55.7500% | 2,923 |
| Net loans and leases to deposits | 62.2321% | 3,004 |
| Net loans and leases to core deposits | 63.0903% | 3,182 |
| Total domestic deposits to total assets | 89.5800% | 1,841 |
| Equity capital to assets | 9.3498% | 1,980 |
| Core capital (leverage) ratio | 9.3890% | 3,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8902% | 573 |
| Memoranda: | ||
| Average total assets | $64,202,750 | 4,325 |
| Average earning assets | $60,706,750 | 4,283 |
| Average equity | $6,252,000 | 4,344 |
| Average total loans | $38,274,250 | 4,122 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0834% | 3,350 |
| Cost of funding earning assets | 0.0228% | 4,710 |
| Net interest margin | 3.0606% | 2,679 |
| Noninterest income to average assets | 0.5910% | 1,779 |
| Noninterest expense to average assets | 5.2694% | 159 |
| Loan and lease loss provision to assets | -0.0616% | 4,539 |
| Net operating income to assets | -1.7236% | 4,732 |
| Return on assets (ROA) | -1.7236% | 4,726 |
| Pretax return on assets | -1.7236% | 4,722 |
| Return on Equity (ROE) | -17.4791% | 4,744 |
| Retained earnings to average equity (ytd only) | -17.4791% | 4,714 |
| Net charge-offs to loans | -0.0709% | 4,354 |
| Credit loss provision to net charge-offs | 142.8571% | 1,111 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 151.2367% | 44 |
| Assets per employee ($millions) | 3.9193% | 4,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2861% | 4,666 |
| Loan loss allowance to noncurrent loans | 3.3748% | 4,017 |
| Noncurrent assets plus other real estate owned to assets | 5.5750% | 11 |
| Noncurrent loans to loans | 8.4780% | 19 |
| Net loans and leases to total assets | 57.2422% | 2,610 |
| Net loans and leases to deposits | 64.2446% | 2,697 |
| Net loans and leases to core deposits | 65.4237% | 2,864 |
| Total domestic deposits to total assets | 89.1004% | 2,135 |
| Equity capital to assets | 9.7051% | 1,879 |
| Core capital (leverage) ratio | 9.4987% | 2,928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9197% | 542 |
| Memoranda: | ||
| Average total assets | $64,979,333 | 4,355 |
| Average earning assets | $61,426,667 | 4,333 |
| Average equity | $6,407,667 | 4,375 |
| Average total loans | $39,500,667 | 4,146 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9480% | 3,406 |
| Cost of funding earning assets | 0.0255% | 4,724 |
| Net interest margin | 2.9225% | 2,759 |
| Noninterest income to average assets | 1.0043% | 672 |
| Noninterest expense to average assets | 5.4148% | 153 |
| Loan and lease loss provision to assets | -0.0908% | 4,582 |
| Net operating income to assets | -1.5488% | 4,753 |
| Return on assets (ROA) | -1.5488% | 4,752 |
| Pretax return on assets | -1.5488% | 4,749 |
| Return on Equity (ROE) | -15.5896% | 4,766 |
| Retained earnings to average equity (ytd only) | -15.5896% | 4,651 |
| Net charge-offs to loans | -0.1745% | 4,578 |
| Credit loss provision to net charge-offs | 83.3333% | 1,104 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 143.4295% | 48 |
| Assets per employee ($millions) | 4.2406% | 4,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2790% | 4,699 |
| Loan loss allowance to noncurrent loans | 3.6440% | 4,055 |
| Noncurrent assets plus other real estate owned to assets | 4.5704% | 23 |
| Noncurrent loans to loans | 7.6574% | 27 |
| Net loans and leases to total assets | 59.5195% | 2,112 |
| Net loans and leases to deposits | 66.6095% | 2,284 |
| Net loans and leases to core deposits | 67.4517% | 2,499 |
| Total domestic deposits to total assets | 89.3559% | 1,898 |
| Equity capital to assets | 9.4591% | 2,318 |
| Core capital (leverage) ratio | 9.8286% | 2,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0086% | 491 |
| Memoranda: | ||
| Average total assets | $66,114,500 | 4,360 |
| Average earning assets | $62,687,000 | 4,340 |
| Average equity | $6,568,500 | 4,404 |
| Average total loans | $41,251,500 | 4,139 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5329% | 2,566 |
| Cost of funding earning assets | 0.0276% | 4,765 |
| Net interest margin | 3.5053% | 1,715 |
| Noninterest income to average assets | 3.9363% | 137 |
| Noninterest expense to average assets | 5.9967% | 128 |
| Loan and lease loss provision to assets | -0.0307% | 4,278 |
| Net operating income to assets | 1.2534% | 1,732 |
| Return on assets (ROA) | 1.2534% | 1,786 |
| Pretax return on assets | 1.2534% | 2,510 |
| Return on Equity (ROE) | 12.6102% | 1,602 |
| Retained earnings to average equity (ytd only) | 12.6102% | 455 |
| Net charge-offs to loans | 0.5059% | 163 |
| Credit loss provision to net charge-offs | -9.3596% | 3,167 |
| Earnings coverage of net charge-offs (x) | 3.7241% | 2,528 |
| Efficiency ratio | 83.0645% | 616 |
| Assets per employee ($millions) | 4.0237% | 4,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2619% | 4,746 |
| Loan loss allowance to noncurrent loans | 3.2797% | 4,126 |
| Noncurrent assets plus other real estate owned to assets | 5.2098% | 23 |
| Noncurrent loans to loans | 7.9846% | 24 |
| Net loans and leases to total assets | 65.0771% | 1,576 |
| Net loans and leases to deposits | 73.9389% | 1,727 |
| Net loans and leases to core deposits | 74.9401% | 2,000 |
| Total domestic deposits to total assets | 88.0147% | 2,040 |
| Equity capital to assets | 10.4366% | 2,234 |
| Core capital (leverage) ratio | 10.3639% | 2,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4385% | 470 |
| Memoranda: | ||
| Average total assets | $61,834,200 | 4,430 |
| Average earning assets | $57,913,000 | 4,415 |
| Average equity | $6,145,800 | 4,516 |
| Average total loans | $40,126,200 | 4,184 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7792% | 2,063 |
| Cost of funding earning assets | 0.0280% | 4,848 |
| Net interest margin | 3.7512% | 1,222 |
| Noninterest income to average assets | 4.6275% | 122 |
| Noninterest expense to average assets | 5.8976% | 124 |
| Loan and lease loss provision to assets | -0.0196% | 4,356 |
| Net operating income to assets | 2.2549% | 290 |
| Return on assets (ROA) | 2.2549% | 308 |
| Pretax return on assets | 2.2549% | 496 |
| Return on Equity (ROE) | 22.9898% | 251 |
| Retained earnings to average equity (ytd only) | 22.9898% | 74 |
| Net charge-offs to loans | 0.2959% | 272 |
| Credit loss provision to net charge-offs | -10.2273% | 3,054 |
| Earnings coverage of net charge-offs (x) | 11.6591% | 1,988 |
| Efficiency ratio | 72.5154% | 1,358 |
| Assets per employee ($millions) | 4.0124% | 4,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5639% | 4,658 |
| Loan loss allowance to noncurrent loans | 7.0280% | 4,224 |
| Noncurrent assets plus other real estate owned to assets | 5.2306% | 25 |
| Noncurrent loans to loans | 8.0229% | 28 |
| Net loans and leases to total assets | 64.8281% | 1,671 |
| Net loans and leases to deposits | 74.2679% | 1,830 |
| Net loans and leases to core deposits | 75.6297% | 2,089 |
| Total domestic deposits to total assets | 87.2895% | 2,220 |
| Equity capital to assets | 11.0298% | 1,993 |
| Core capital (leverage) ratio | 10.7212% | 1,872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.5141% | 320 |
| Memoranda: | ||
| Average total assets | $61,198,000 | 4,497 |
| Average earning assets | $57,189,500 | 4,482 |
| Average equity | $6,002,500 | 4,593 |
| Average total loans | $39,656,250 | 4,253 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1258% | 1,302 |
| Cost of funding earning assets | 0.0249% | 4,889 |
| Net interest margin | 4.1009% | 692 |
| Noninterest income to average assets | 1.9270% | 352 |
| Noninterest expense to average assets | 5.7776% | 134 |
| Loan and lease loss provision to assets | -0.0797% | 4,582 |
| Net operating income to assets | 0.0532% | 4,748 |
| Return on assets (ROA) | 0.0532% | 4,758 |
| Pretax return on assets | 0.0532% | 4,759 |
| Return on Equity (ROE) | 0.5671% | 4,744 |
| Retained earnings to average equity (ytd only) | 0.5671% | 4,420 |
| Net charge-offs to loans | -0.0308% | 4,167 |
| Credit loss provision to net charge-offs | 400.0000% | 757 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.4622% | 163 |
| Assets per employee ($millions) | 4.0101% | 4,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7215% | 4,496 |
| Loan loss allowance to noncurrent loans | 8.4027% | 4,258 |
| Noncurrent assets plus other real estate owned to assets | 5.8056% | 21 |
| Noncurrent loans to loans | 8.5867% | 23 |
| Net loans and leases to total assets | 67.1238% | 1,565 |
| Net loans and leases to deposits | 75.6667% | 1,852 |
| Net loans and leases to core deposits | 77.0282% | 2,134 |
| Total domestic deposits to total assets | 88.7098% | 1,444 |
| Equity capital to assets | 9.4511% | 3,379 |
| Core capital (leverage) ratio | 9.4231% | 2,989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0421% | 540 |
| Memoranda: | ||
| Average total assets | $60,197,667 | 4,539 |
| Average earning assets | $56,134,333 | 4,519 |
| Average equity | $5,643,000 | 4,662 |
| Average total loans | $38,923,333 | 4,305 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7569% | 2,223 |
| Cost of funding earning assets | 0.0222% | 4,925 |
| Net interest margin | 3.7347% | 1,261 |
| Noninterest income to average assets | 2.1850% | 323 |
| Noninterest expense to average assets | 5.8541% | 126 |
| Loan and lease loss provision to assets | 0.0137% | 2,605 |
| Net operating income to assets | -0.2130% | 4,843 |
| Return on assets (ROA) | -0.2130% | 4,847 |
| Pretax return on assets | -0.2130% | 4,839 |
| Return on Equity (ROE) | -2.2826% | 4,863 |
| Retained earnings to average equity (ytd only) | -2.2826% | 4,556 |
| Net charge-offs to loans | -0.0218% | 4,034 |
| Credit loss provision to net charge-offs | -100.0000% | 2,828 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.5237% | 155 |
| Assets per employee ($millions) | 3.8038% | 4,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8616% | 4,267 |
| Loan loss allowance to noncurrent loans | 9.1181% | 4,315 |
| Noncurrent assets plus other real estate owned to assets | 6.2174% | 20 |
| Noncurrent loans to loans | 9.4493% | 24 |
| Net loans and leases to total assets | 63.3345% | 2,123 |
| Net loans and leases to deposits | 71.1575% | 2,404 |
| Net loans and leases to core deposits | 72.1646% | 2,688 |
| Total domestic deposits to total assets | 89.0061% | 1,341 |
| Equity capital to assets | 8.8891% | 3,794 |
| Core capital (leverage) ratio | 9.1149% | 3,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6404% | 469 |
| Memoranda: | ||
| Average total assets | $58,215,500 | 4,577 |
| Average earning assets | $54,087,500 | 4,562 |
| Average equity | $5,432,500 | 4,698 |
| Average total loans | $36,694,500 | 4,365 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9135% | 2,988 |
| Cost of funding earning assets | 0.0549% | 4,934 |
| Net interest margin | 3.8586% | 1,336 |
| Noninterest income to average assets | 8.5666% | 79 |
| Noninterest expense to average assets | 6.9571% | 106 |
| Loan and lease loss provision to assets | 0.2252% | 1,736 |
| Net operating income to assets | 4.9657% | 41 |
| Return on assets (ROA) | 4.9657% | 40 |
| Pretax return on assets | 4.9657% | 57 |
| Return on Equity (ROE) | 65.1861% | 11 |
| Retained earnings to average equity (ytd only) | 65.1861% | 2 |
| Net charge-offs to loans | -0.0324% | 4,559 |
| Credit loss provision to net charge-offs | -1,045.4545% | 4,063 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2695% | 3,822 |
| Assets per employee ($millions) | 3.2688% | 4,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9592% | 4,005 |
| Loan loss allowance to noncurrent loans | 10.0060% | 4,389 |
| Noncurrent assets plus other real estate owned to assets | 6.1508% | 29 |
| Noncurrent loans to loans | 9.5862% | 25 |
| Net loans and leases to total assets | 61.5026% | 2,665 |
| Net loans and leases to deposits | 70.2681% | 2,856 |
| Net loans and leases to core deposits | 71.3776% | 3,142 |
| Total domestic deposits to total assets | 87.5256% | 1,697 |
| Equity capital to assets | 9.8164% | 3,300 |
| Core capital (leverage) ratio | 9.6784% | 2,932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0536% | 499 |
| Memoranda: | ||
| Average total assets | $51,070,400 | 4,639 |
| Average earning assets | $47,400,400 | 4,629 |
| Average equity | $3,890,400 | 4,849 |
| Average total loans | $33,967,200 | 4,433 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2107% | 2,376 |
| Cost of funding earning assets | 0.0603% | 4,975 |
| Net interest margin | 4.1505% | 807 |
| Noninterest income to average assets | 2.9578% | 188 |
| Noninterest expense to average assets | 6.9007% | 110 |
| Loan and lease loss provision to assets | 0.2663% | 1,526 |
| Net operating income to assets | -0.3497% | 4,870 |
| Return on assets (ROA) | -0.3497% | 4,879 |
| Pretax return on assets | -0.3497% | 4,871 |
| Return on Equity (ROE) | -4.9914% | 4,915 |
| Retained earnings to average equity (ytd only) | -4.9914% | 4,844 |
| Net charge-offs to loans | -0.0355% | 4,582 |
| Credit loss provision to net charge-offs | -1,111.1111% | 3,943 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.2138% | 162 |
| Assets per employee ($millions) | 3.0354% | 4,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8708% | 4,155 |
| Loan loss allowance to noncurrent loans | 7.7112% | 4,452 |
| Noncurrent assets plus other real estate owned to assets | 7.6540% | 24 |
| Noncurrent loans to loans | 11.2929% | 22 |
| Net loans and leases to total assets | 65.4197% | 2,590 |
| Net loans and leases to deposits | 73.9980% | 2,957 |
| Net loans and leases to core deposits | 75.1746% | 3,227 |
| Total domestic deposits to total assets | 88.4073% | 1,011 |
| Equity capital to assets | 10.2182% | 3,048 |
| Core capital (leverage) ratio | 10.5928% | 2,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1652% | 660 |
| Memoranda: | ||
| Average total assets | $49,945,500 | 4,675 |
| Average earning assets | $46,451,500 | 4,662 |
| Average equity | $3,499,250 | 4,904 |
| Average total loans | $33,832,000 | 4,465 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5607% | 1,755 |
| Cost of funding earning assets | 0.0699% | 5,006 |
| Net interest margin | 4.4908% | 515 |
| Noninterest income to average assets | 1.7517% | 352 |
| Noninterest expense to average assets | 6.9407% | 111 |
| Loan and lease loss provision to assets | 0.1033% | 2,979 |
| Net operating income to assets | -1.0452% | 4,967 |
| Return on assets (ROA) | -1.0452% | 4,963 |
| Pretax return on assets | -1.0452% | 4,953 |
| Return on Equity (ROE) | -17.8588% | 5,026 |
| Retained earnings to average equity (ytd only) | -17.8588% | 4,999 |
| Net charge-offs to loans | -0.0302% | 4,546 |
| Credit loss provision to net charge-offs | -500.0000% | 3,608 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.7025% | 98 |
| Assets per employee ($millions) | 2.7912% | 4,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6482% | 4,670 |
| Loan loss allowance to noncurrent loans | 5.5753% | 4,517 |
| Noncurrent assets plus other real estate owned to assets | 8.6085% | 22 |
| Noncurrent loans to loans | 11.6257% | 20 |
| Net loans and leases to total assets | 71.6964% | 1,769 |
| Net loans and leases to deposits | 76.0707% | 2,851 |
| Net loans and leases to core deposits | 77.3049% | 3,170 |
| Total domestic deposits to total assets | 94.2497% | 7 |
| Equity capital to assets | 5.4935% | 5,050 |
| Core capital (leverage) ratio | 5.1774% | 5,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8850% | 2,998 |
| Memoranda: | ||
| Average total assets | $48,410,000 | 4,712 |
| Average earning assets | $45,782,000 | 4,688 |
| Average equity | $2,833,333 | 4,978 |
| Average total loans | $33,118,667 | 4,504 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5713% | 2,093 |
| Cost of funding earning assets | 0.0804% | 5,057 |
| Net interest margin | 4.4909% | 511 |
| Noninterest income to average assets | 1.2717% | 544 |
| Noninterest expense to average assets | 7.4198% | 107 |
| Loan and lease loss provision to assets | 0.0842% | 2,639 |
| Net operating income to assets | -1.9960% | 5,053 |
| Return on assets (ROA) | -1.9960% | 5,040 |
| Pretax return on assets | -1.9960% | 5,026 |
| Return on Equity (ROE) | -33.0314% | 5,087 |
| Retained earnings to average equity (ytd only) | -33.0314% | 5,054 |
| Net charge-offs to loans | -0.0380% | 4,548 |
| Credit loss provision to net charge-offs | -333.3333% | 3,315 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 134.7095% | 75 |
| Assets per employee ($millions) | 2.6792% | 4,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6852% | 4,634 |
| Loan loss allowance to noncurrent loans | 5.6979% | 4,572 |
| Noncurrent assets plus other real estate owned to assets | 8.6416% | 27 |
| Noncurrent loans to loans | 12.0262% | 18 |
| Net loans and leases to total assets | 69.3701% | 2,345 |
| Net loans and leases to deposits | 74.1516% | 3,256 |
| Net loans and leases to core deposits | 75.4910% | 3,528 |
| Total domestic deposits to total assets | 93.5517% | 7 |
| Equity capital to assets | 6.0904% | 5,101 |
| Core capital (leverage) ratio | 5.4144% | 5,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1179% | 3,311 |
| Memoranda: | ||
| Average total assets | $47,494,500 | 4,751 |
| Average earning assets | $44,801,500 | 4,728 |
| Average equity | $2,870,000 | 5,020 |
| Average total loans | $31,550,000 | 4,568 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0881% | 1,240 |
| Cost of funding earning assets | 0.1145% | 5,088 |
| Net interest margin | 4.9736% | 284 |
| Noninterest income to average assets | 0.2849% | 3,980 |
| Noninterest expense to average assets | 8.1107% | 88 |
| Loan and lease loss provision to assets | -0.1384% | 5,098 |
| Net operating income to assets | -3.0021% | 5,145 |
| Return on assets (ROA) | -3.0021% | 5,146 |
| Pretax return on assets | -3.0021% | 5,145 |
| Return on Equity (ROE) | -58.4205% | 5,172 |
| Retained earnings to average equity (ytd only) | -58.4205% | 5,170 |
| Net charge-offs to loans | 0.0152% | 3,170 |
| Credit loss provision to net charge-offs | -1,360.0000% | 4,562 |
| Earnings coverage of net charge-offs (x) | -308.6000% | 3,718 |
| Efficiency ratio | 163.1859% | 33 |
| Assets per employee ($millions) | 2.7468% | 4,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6552% | 4,639 |
| Loan loss allowance to noncurrent loans | 5.6929% | 4,597 |
| Noncurrent assets plus other real estate owned to assets | 7.5058% | 26 |
| Noncurrent loans to loans | 11.5099% | 16 |
| Net loans and leases to total assets | 62.8636% | 3,325 |
| Net loans and leases to deposits | 67.1267% | 3,888 |
| Net loans and leases to core deposits | 68.2409% | 4,069 |
| Total domestic deposits to total assets | 93.6491% | 10 |
| Equity capital to assets | 5.9989% | 5,165 |
| Core capital (leverage) ratio | 5.6598% | 5,166 |
| Tier 1 risk-based capital ratio | 11.0822% | 4,825 |
| Total risk-based capital ratio | 11.9159% | 4,886 |
| Memoranda: | ||
| Average total assets | $49,132,800 | 4,765 |
| Average earning assets | $46,284,600 | 4,745 |
| Average equity | $2,524,800 | 5,101 |
| Average total loans | $32,907,800 | 4,584 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0708% | 1,355 |
| Cost of funding earning assets | 0.1243% | 5,155 |
| Net interest margin | 4.9465% | 320 |
| Noninterest income to average assets | -0.5816% | 5,244 |
| Noninterest expense to average assets | 8.0696% | 94 |
| Loan and lease loss provision to assets | -0.0870% | 5,152 |
| Net operating income to assets | -3.9138% | 5,238 |
| Return on assets (ROA) | -3.9138% | 5,238 |
| Pretax return on assets | -3.9138% | 5,237 |
| Return on Equity (ROE) | -79.5175% | 5,251 |
| Retained earnings to average equity (ytd only) | -79.5175% | 5,249 |
| Net charge-offs to loans | 0.1081% | 1,388 |
| Credit loss provision to net charge-offs | -118.5185% | 4,096 |
| Earnings coverage of net charge-offs (x) | -54.5172% | 3,446 |
| Efficiency ratio | 198.3300% | 22 |
| Assets per employee ($millions) | 2.7539% | 4,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6918% | 4,676 |
| Loan loss allowance to noncurrent loans | 6.3700% | 4,679 |
| Noncurrent assets plus other real estate owned to assets | 7.4117% | 29 |
| Noncurrent loans to loans | 10.8602% | 22 |
| Net loans and leases to total assets | 63.4214% | 3,346 |
| Net loans and leases to deposits | 67.7675% | 3,937 |
| Net loans and leases to core deposits | 68.5118% | 4,135 |
| Total domestic deposits to total assets | 93.5868% | 7 |
| Equity capital to assets | 6.0621% | 5,245 |
| Core capital (leverage) ratio | 5.6523% | 5,244 |
| Tier 1 risk-based capital ratio | 11.2571% | 4,788 |
| Total risk-based capital ratio | 12.1588% | 4,837 |
| Memoranda: | ||
| Average total assets | $49,055,500 | 4,834 |
| Average earning assets | $46,118,750 | 4,813 |
| Average equity | $2,414,500 | 5,186 |
| Average total loans | $33,313,250 | 4,630 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2728% | 858 |
| Cost of funding earning assets | 0.1394% | 5,181 |
| Net interest margin | 5.1334% | 224 |
| Noninterest income to average assets | -1.7920% | 5,298 |
| Noninterest expense to average assets | 8.0885% | 93 |
| Loan and lease loss provision to assets | -0.0900% | 5,204 |
| Net operating income to assets | -4.9710% | 5,287 |
| Return on assets (ROA) | -4.9710% | 5,287 |
| Pretax return on assets | -4.9710% | 5,287 |
| Return on Equity (ROE) | -109.5745% | 5,300 |
| Retained earnings to average equity (ytd only) | -109.5745% | 5,297 |
| Net charge-offs to loans | 0.1181% | 1,248 |
| Credit loss provision to net charge-offs | -110.0000% | 3,914 |
| Earnings coverage of net charge-offs (x) | -61.8500% | 3,164 |
| Efficiency ratio | 267.1622% | 10 |
| Assets per employee ($millions) | 2.4706% | 5,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7372% | 4,633 |
| Loan loss allowance to noncurrent loans | 7.1127% | 4,726 |
| Noncurrent assets plus other real estate owned to assets | 7.5710% | 30 |
| Noncurrent loans to loans | 10.3645% | 27 |
| Net loans and leases to total assets | 67.6942% | 2,859 |
| Net loans and leases to deposits | 72.9265% | 3,605 |
| Net loans and leases to core deposits | 74.4628% | 3,865 |
| Total domestic deposits to total assets | 92.8252% | 16 |
| Equity capital to assets | 6.8553% | 5,274 |
| Core capital (leverage) ratio | 6.0939% | 5,286 |
| Tier 1 risk-based capital ratio | 12.4808% | 4,134 |
| Total risk-based capital ratio | 13.4891% | 4,142 |
| Memoranda: | ||
| Average total assets | $48,884,000 | 4,871 |
| Average earning assets | $45,895,670 | 4,853 |
| Average equity | $2,217,670 | 5,237 |
| Average total loans | $33,865,330 | 4,657 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8523% | 1,760 |
| Cost of funding earning assets | 0.1535% | 5,205 |
| Net interest margin | 4.6988% | 495 |
| Noninterest income to average assets | 1.2378% | 535 |
| Noninterest expense to average assets | 7.7464% | 90 |
| Loan and lease loss provision to assets | 0.8625% | 108 |
| Net operating income to assets | -2.9708% | 5,330 |
| Return on assets (ROA) | -2.9708% | 5,330 |
| Pretax return on assets | -2.9708% | 5,327 |
| Return on Equity (ROE) | -76.2881% | 5,355 |
| Retained earnings to average equity (ytd only) | -76.2881% | 5,346 |
| Net charge-offs to loans | 2.3010% | 48 |
| Credit loss provision to net charge-offs | 53.7313% | 1,949 |
| Earnings coverage of net charge-offs (x) | -1.3134% | 2,696 |
| Efficiency ratio | 137.3938% | 51 |
| Assets per employee ($millions) | 2.6101% | 5,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3608% | 5,207 |
| Loan loss allowance to noncurrent loans | 2.7450% | 4,801 |
| Noncurrent assets plus other real estate owned to assets | 9.3644% | 18 |
| Noncurrent loans to loans | 13.1449% | 15 |
| Net loans and leases to total assets | 67.3758% | 2,842 |
| Net loans and leases to deposits | 70.1836% | 3,753 |
| Net loans and leases to core deposits | 75.5796% | 3,687 |
| Total domestic deposits to total assets | 95.9994% | 4 |
| Equity capital to assets | 3.6074% | 5,356 |
| Core capital (leverage) ratio | 3.0137% | 5,358 |
| Tier 1 risk-based capital ratio | 5.5990% | 5,357 |
| Total risk-based capital ratio | 6.0470% | 5,357 |
| Memoranda: | ||
| Average total assets | $50,088,000 | 4,895 |
| Average earning assets | $46,906,000 | 4,885 |
| Average equity | $1,950,500 | 5,315 |
| Average total loans | $34,941,500 | 4,670 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1418% | 781 |
| Cost of funding earning assets | 0.1497% | 5,170 |
| Net interest margin | 4.9921% | 268 |
| Noninterest income to average assets | 1.9681% | 275 |
| Noninterest expense to average assets | 7.6625% | 94 |
| Loan and lease loss provision to assets | 0.0987% | 2,210 |
| Net operating income to assets | -1.1267% | 5,342 |
| Return on assets (ROA) | -1.1267% | 5,337 |
| Pretax return on assets | -1.1267% | 5,339 |
| Return on Equity (ROE) | -21.7512% | 5,382 |
| Retained earnings to average equity (ytd only) | -21.7512% | 5,377 |
| Net charge-offs to loans | 0.0535% | 2,386 |
| Credit loss provision to net charge-offs | 261.9048% | 1,147 |
| Earnings coverage of net charge-offs (x) | -27.2857% | 3,765 |
| Efficiency ratio | 115.4949% | 63 |
| Assets per employee ($millions) | 2.5529% | 5,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5812% | 5,003 |
| Loan loss allowance to noncurrent loans | 5.0164% | 4,825 |
| Noncurrent assets plus other real estate owned to assets | 9.1231% | 19 |
| Noncurrent loans to loans | 11.5855% | 17 |
| Net loans and leases to total assets | 71.7003% | 2,310 |
| Net loans and leases to deposits | 75.7867% | 3,364 |
| Net loans and leases to core deposits | 81.5232% | 3,303 |
| Total domestic deposits to total assets | 94.6080% | 8 |
| Equity capital to assets | 5.0630% | 5,392 |
| Core capital (leverage) ratio | 4.6962% | 5,397 |
| Tier 1 risk-based capital ratio | 7.8333% | 5,391 |
| Total risk-based capital ratio | 8.5467% | 5,393 |
| Memoranda: | ||
| Average total assets | $55,738,800 | 4,838 |
| Average earning assets | $52,102,400 | 4,817 |
| Average equity | $2,887,200 | 5,288 |
| Average total loans | $39,221,000 | 4,576 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9352% | 1,083 |
| Cost of funding earning assets | 0.1478% | 5,227 |
| Net interest margin | 4.7874% | 384 |
| Noninterest income to average assets | 2.2023% | 240 |
| Noninterest expense to average assets | 7.4854% | 101 |
| Loan and lease loss provision to assets | 0.1054% | 1,905 |
| Net operating income to assets | -0.9114% | 5,417 |
| Return on assets (ROA) | -0.9114% | 5,411 |
| Pretax return on assets | -0.9114% | 5,409 |
| Return on Equity (ROE) | -17.5057% | 5,452 |
| Retained earnings to average equity (ytd only) | -17.5057% | 5,437 |
| Net charge-offs to loans | 0.0770% | 1,753 |
| Credit loss provision to net charge-offs | 195.6522% | 1,406 |
| Earnings coverage of net charge-offs (x) | -14.9547% | 3,472 |
| Efficiency ratio | 112.0659% | 76 |
| Assets per employee ($millions) | 2.4570% | 5,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5069% | 5,182 |
| Loan loss allowance to noncurrent loans | 5.0716% | 4,939 |
| Noncurrent assets plus other real estate owned to assets | 8.0936% | 35 |
| Noncurrent loans to loans | 9.9940% | 32 |
| Net loans and leases to total assets | 73.3549% | 2,105 |
| Net loans and leases to deposits | 77.5923% | 3,274 |
| Net loans and leases to core deposits | 83.5623% | 3,192 |
| Total domestic deposits to total assets | 94.5389% | 8 |
| Equity capital to assets | 5.1281% | 5,461 |
| Core capital (leverage) ratio | 4.8673% | 5,468 |
| Tier 1 risk-based capital ratio | 9.8580% | 5,405 |
| Total risk-based capital ratio | 10.6187% | 5,434 |
| Memoranda: | ||
| Average total assets | $56,909,250 | 4,869 |
| Average earning assets | $53,222,000 | 4,854 |
| Average equity | $2,962,750 | 5,351 |
| Average total loans | $39,820,750 | 4,600 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7740% | 1,320 |
| Cost of funding earning assets | 0.1478% | 5,253 |
| Net interest margin | 4.6262% | 523 |
| Noninterest income to average assets | 1.8493% | 304 |
| Noninterest expense to average assets | 7.2865% | 107 |
| Loan and lease loss provision to assets | 0.0864% | 2,185 |
| Net operating income to assets | -1.1960% | 5,484 |
| Return on assets (ROA) | -1.1960% | 5,478 |
| Pretax return on assets | -1.1960% | 5,475 |
| Return on Equity (ROE) | -22.8660% | 5,512 |
| Retained earnings to average equity (ytd only) | -22.8660% | 5,500 |
| Net charge-offs to loans | 0.1256% | 1,176 |
| Credit loss provision to net charge-offs | 100.0000% | 2,011 |
| Earnings coverage of net charge-offs (x) | -12.8400% | 3,188 |
| Efficiency ratio | 117.9631% | 69 |
| Assets per employee ($millions) | 2.4119% | 5,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4579% | 5,313 |
| Loan loss allowance to noncurrent loans | 5.2493% | 4,964 |
| Noncurrent assets plus other real estate owned to assets | 6.9061% | 43 |
| Noncurrent loans to loans | 8.7232% | 37 |
| Net loans and leases to total assets | 70.5370% | 2,497 |
| Net loans and leases to deposits | 74.6480% | 3,475 |
| Net loans and leases to core deposits | 81.9250% | 3,247 |
| Total domestic deposits to total assets | 94.4928% | 9 |
| Equity capital to assets | 5.1124% | 5,525 |
| Core capital (leverage) ratio | 4.7679% | 5,533 |
| Tier 1 risk-based capital ratio | 8.6141% | 5,521 |
| Total risk-based capital ratio | 9.2030% | 5,521 |
| Memoranda: | ||
| Average total assets | $57,860,670 | 4,907 |
| Average earning assets | $54,126,330 | 4,892 |
| Average equity | $3,026,330 | 5,410 |
| Average total loans | $39,809,670 | 4,646 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4777% | 1,937 |
| Cost of funding earning assets | 0.1449% | 5,291 |
| Net interest margin | 4.3328% | 898 |
| Noninterest income to average assets | 2.1201% | 254 |
| Noninterest expense to average assets | 7.3627% | 105 |
| Loan and lease loss provision to assets | 0.1355% | 1,394 |
| Net operating income to assets | -1.3276% | 5,551 |
| Return on assets (ROA) | -1.3276% | 5,551 |
| Pretax return on assets | -1.3276% | 5,549 |
| Return on Equity (ROE) | -25.1161% | 5,581 |
| Retained earnings to average equity (ytd only) | -25.1161% | 5,537 |
| Net charge-offs to loans | -0.0200% | 4,559 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.3194% | 67 |
| Assets per employee ($millions) | 2.6864% | 5,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5110% | 5,321 |
| Loan loss allowance to noncurrent loans | 6.5245% | 5,014 |
| Noncurrent assets plus other real estate owned to assets | 6.2030% | 61 |
| Noncurrent loans to loans | 7.8320% | 53 |
| Net loans and leases to total assets | 66.5448% | 2,961 |
| Net loans and leases to deposits | 70.4462% | 3,745 |
| Net loans and leases to core deposits | 76.4720% | 3,627 |
| Total domestic deposits to total assets | 94.4619% | 12 |
| Equity capital to assets | 5.0778% | 5,585 |
| Core capital (leverage) ratio | 4.8650% | 5,592 |
| Tier 1 risk-based capital ratio | 8.6754% | 5,583 |
| Total risk-based capital ratio | 9.3065% | 5,586 |
| Memoranda: | ||
| Average total assets | $59,054,500 | 4,946 |
| Average earning assets | $55,206,500 | 4,929 |
| Average equity | $3,121,500 | 5,461 |
| Average total loans | $40,060,000 | 4,687 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8057% | 968 |
| Cost of funding earning assets | 0.1362% | 5,332 |
| Net interest margin | 4.6694% | 443 |
| Noninterest income to average assets | 2.6235% | 207 |
| Noninterest expense to average assets | 7.6523% | 98 |
| Loan and lease loss provision to assets | -0.1443% | 5,530 |
| Net operating income to assets | -0.5419% | 5,542 |
| Return on assets (ROA) | -0.5419% | 5,541 |
| Pretax return on assets | -0.5419% | 5,555 |
| Return on Equity (ROE) | -10.0700% | 5,591 |
| Retained earnings to average equity (ytd only) | -10.0700% | 5,534 |
| Net charge-offs to loans | 0.0999% | 2,077 |
| Credit loss provision to net charge-offs | -210.2564% | 4,807 |
| Earnings coverage of net charge-offs (x) | -10.0000% | 4,085 |
| Efficiency ratio | 109.8510% | 107 |
| Assets per employee ($millions) | 2.6822% | 5,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4435% | 5,453 |
| Loan loss allowance to noncurrent loans | 6.2543% | 5,057 |
| Noncurrent assets plus other real estate owned to assets | 5.9398% | 67 |
| Noncurrent loans to loans | 7.0904% | 59 |
| Net loans and leases to total assets | 68.4811% | 2,754 |
| Net loans and leases to deposits | 72.8200% | 3,619 |
| Net loans and leases to core deposits | 78.4889% | 3,549 |
| Total domestic deposits to total assets | 94.0416% | 14 |
| Equity capital to assets | 5.4941% | 5,640 |
| Core capital (leverage) ratio | 5.5144% | 5,644 |
| Tier 1 risk-based capital ratio | 9.5550% | 5,599 |
| Total risk-based capital ratio | 10.1063% | 5,633 |
| Memoranda: | ||
| Average total assets | $56,832,800 | 5,030 |
| Average earning assets | $52,854,200 | 5,016 |
| Average equity | $3,058,600 | 5,522 |
| Average total loans | $39,026,400 | 4,755 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8226% | 885 |
| Cost of funding earning assets | 0.1326% | 5,415 |
| Net interest margin | 4.6900% | 415 |
| Noninterest income to average assets | 2.4563% | 230 |
| Noninterest expense to average assets | 7.6840% | 102 |
| Loan and lease loss provision to assets | -0.2155% | 5,663 |
| Net operating income to assets | -0.6561% | 5,645 |
| Return on assets (ROA) | -0.6561% | 5,645 |
| Pretax return on assets | -0.6561% | 5,639 |
| Return on Equity (ROE) | -12.2586% | 5,685 |
| Retained earnings to average equity (ytd only) | -12.2586% | 5,634 |
| Net charge-offs to loans | -0.1001% | 5,385 |
| Credit loss provision to net charge-offs | 313.7931% | 950 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.7955% | 84 |
| Assets per employee ($millions) | 2.9335% | 5,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5975% | 5,328 |
| Loan loss allowance to noncurrent loans | 7.9455% | 5,149 |
| Noncurrent assets plus other real estate owned to assets | 5.6085% | 79 |
| Noncurrent loans to loans | 7.5196% | 61 |
| Net loans and leases to total assets | 64.5472% | 3,320 |
| Net loans and leases to deposits | 68.5463% | 4,075 |
| Net loans and leases to core deposits | 73.6256% | 4,008 |
| Total domestic deposits to total assets | 94.1659% | 10 |
| Equity capital to assets | 5.3520% | 5,711 |
| Core capital (leverage) ratio | 5.7355% | 5,704 |
| Tier 1 risk-based capital ratio | 9.4143% | 5,677 |
| Total risk-based capital ratio | 10.1142% | 5,704 |
| Memoranda: | ||
| Average total assets | $56,288,750 | 5,096 |
| Average earning assets | $52,280,000 | 5,082 |
| Average equity | $3,012,750 | 5,590 |
| Average total loans | $38,635,500 | 4,823 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7944% | 870 |
| Cost of funding earning assets | 0.1300% | 5,443 |
| Net interest margin | 4.6644% | 424 |
| Noninterest income to average assets | 2.0067% | 310 |
| Noninterest expense to average assets | 7.7957% | 100 |
| Loan and lease loss provision to assets | -0.2788% | 5,727 |
| Net operating income to assets | -1.1666% | 5,727 |
| Return on assets (ROA) | -1.1666% | 5,727 |
| Pretax return on assets | -1.1666% | 5,723 |
| Return on Equity (ROE) | -21.7958% | 5,760 |
| Retained earnings to average equity (ytd only) | -21.7958% | 5,727 |
| Net charge-offs to loans | -0.1414% | 5,511 |
| Credit loss provision to net charge-offs | 281.4815% | 1,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.7614% | 58 |
| Assets per employee ($millions) | 2.4187% | 5,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6613% | 5,281 |
| Loan loss allowance to noncurrent loans | 8.3031% | 5,183 |
| Noncurrent assets plus other real estate owned to assets | 6.2591% | 67 |
| Noncurrent loans to loans | 7.9640% | 48 |
| Net loans and leases to total assets | 68.0502% | 2,813 |
| Net loans and leases to deposits | 72.2669% | 3,712 |
| Net loans and leases to core deposits | 78.2477% | 3,573 |
| Total domestic deposits to total assets | 94.1651% | 12 |
| Equity capital to assets | 5.3963% | 5,760 |
| Core capital (leverage) ratio | 5.3003% | 5,762 |
| Tier 1 risk-based capital ratio | 9.0166% | 5,739 |
| Total risk-based capital ratio | 9.7935% | 5,755 |
| Memoranda: | ||
| Average total assets | $54,517,330 | 5,165 |
| Average earning assets | $50,767,330 | 5,144 |
| Average equity | $2,918,000 | 5,646 |
| Average total loans | $38,180,000 | 4,867 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0559% | 479 |
| Cost of funding earning assets | 0.1278% | 5,510 |
| Net interest margin | 4.9281% | 250 |
| Noninterest income to average assets | 1.7865% | 367 |
| Noninterest expense to average assets | 8.0800% | 98 |
| Loan and lease loss provision to assets | -0.2224% | 5,796 |
| Net operating income to assets | -1.4974% | 5,800 |
| Return on assets (ROA) | -1.4974% | 5,800 |
| Pretax return on assets | -1.4974% | 5,796 |
| Return on Equity (ROE) | -28.0946% | 5,832 |
| Retained earnings to average equity (ytd only) | -28.0946% | 5,784 |
| Net charge-offs to loans | -0.0209% | 4,772 |
| Credit loss provision to net charge-offs | 1,500.0000% | 215 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.0396% | 64 |
| Assets per employee ($millions) | 2.4686% | 5,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7262% | 5,251 |
| Loan loss allowance to noncurrent loans | 10.3881% | 5,254 |
| Noncurrent assets plus other real estate owned to assets | 5.6620% | 92 |
| Noncurrent loans to loans | 6.9903% | 79 |
| Net loans and leases to total assets | 68.7216% | 2,568 |
| Net loans and leases to deposits | 73.2954% | 3,471 |
| Net loans and leases to core deposits | 79.5473% | 3,333 |
| Total domestic deposits to total assets | 93.7598% | 19 |
| Equity capital to assets | 5.6933% | 5,821 |
| Core capital (leverage) ratio | 5.5305% | 5,820 |
| Tier 1 risk-based capital ratio | 8.9227% | 5,809 |
| Total risk-based capital ratio | 9.7413% | 5,823 |
| Memoranda: | ||
| Average total assets | $53,960,500 | 5,228 |
| Average earning assets | $50,080,500 | 5,213 |
| Average equity | $2,876,000 | 5,710 |
| Average total loans | $38,215,500 | 4,911 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0049% | 586 |
| Cost of funding earning assets | 0.1277% | 5,567 |
| Net interest margin | 4.8772% | 301 |
| Noninterest income to average assets | 3.5216% | 164 |
| Noninterest expense to average assets | 8.1725% | 100 |
| Loan and lease loss provision to assets | -0.1243% | 5,719 |
| Net operating income to assets | 0.0144% | 5,630 |
| Return on assets (ROA) | 0.0144% | 5,654 |
| Pretax return on assets | 0.0144% | 5,647 |
| Return on Equity (ROE) | 0.2948% | 5,639 |
| Retained earnings to average equity (ytd only) | 0.2948% | 5,199 |
| Net charge-offs to loans | 0.1258% | 1,990 |
| Credit loss provision to net charge-offs | -140.8163% | 4,939 |
| Earnings coverage of net charge-offs (x) | -1.2449% | 4,177 |
| Efficiency ratio | 101.3628% | 206 |
| Assets per employee ($millions) | 2.3310% | 5,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7725% | 5,176 |
| Loan loss allowance to noncurrent loans | 11.0294% | 5,290 |
| Noncurrent assets plus other real estate owned to assets | 5.9091% | 88 |
| Noncurrent loans to loans | 7.0038% | 75 |
| Net loans and leases to total assets | 71.8794% | 2,184 |
| Net loans and leases to deposits | 76.0949% | 3,307 |
| Net loans and leases to core deposits | 82.6279% | 3,160 |
| Total domestic deposits to total assets | 94.4602% | 15 |
| Equity capital to assets | 4.9616% | 5,880 |
| Core capital (leverage) ratio | 4.8228% | 5,884 |
| Tier 1 risk-based capital ratio | 8.1411% | 5,875 |
| Total risk-based capital ratio | 9.0815% | 5,878 |
| Memoranda: | ||
| Average total assets | $55,515,200 | 5,235 |
| Average earning assets | $51,689,400 | 5,216 |
| Average equity | $2,713,600 | 5,783 |
| Average total loans | $38,961,600 | 4,914 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0371% | 554 |
| Cost of funding earning assets | 0.1252% | 5,651 |
| Net interest margin | 4.9119% | 295 |
| Noninterest income to average assets | 3.3719% | 179 |
| Noninterest expense to average assets | 8.0701% | 102 |
| Loan and lease loss provision to assets | -0.1191% | 5,810 |
| Net operating income to assets | 0.0000% | 5,718 |
| Return on assets (ROA) | 0.0000% | 5,740 |
| Pretax return on assets | 0.0000% | 5,732 |
| Return on Equity (ROE) | 0.0000% | 5,740 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,345 |
| Net charge-offs to loans | 0.1744% | 1,323 |
| Credit loss provision to net charge-offs | -98.0392% | 4,754 |
| Earnings coverage of net charge-offs (x) | -0.9804% | 3,853 |
| Efficiency ratio | 101.4975% | 204 |
| Assets per employee ($millions) | 2.4334% | 5,761 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8202% | 5,130 |
| Loan loss allowance to noncurrent loans | 11.1896% | 5,390 |
| Noncurrent assets plus other real estate owned to assets | 5.8622% | 104 |
| Noncurrent loans to loans | 7.3297% | 77 |
| Net loans and leases to total assets | 68.4915% | 2,723 |
| Net loans and leases to deposits | 72.5652% | 3,748 |
| Net loans and leases to core deposits | 78.5114% | 3,612 |
| Total domestic deposits to total assets | 94.3862% | 17 |
| Equity capital to assets | 4.9706% | 5,950 |
| Core capital (leverage) ratio | 4.7000% | 5,952 |
| Tier 1 risk-based capital ratio | 7.6102% | 5,948 |
| Total risk-based capital ratio | 8.5373% | 5,951 |
| Memoranda: | ||
| Average total assets | $55,991,000 | 5,279 |
| Average earning assets | $52,198,250 | 5,252 |
| Average equity | $2,727,000 | 5,844 |
| Average total loans | $38,993,000 | 4,956 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1044% | 488 |
| Cost of funding earning assets | 0.1227% | 5,741 |
| Net interest margin | 4.9817% | 265 |
| Noninterest income to average assets | 3.6573% | 166 |
| Noninterest expense to average assets | 7.9574% | 106 |
| Loan and lease loss provision to assets | -0.0179% | 5,779 |
| Net operating income to assets | 0.3572% | 5,162 |
| Return on assets (ROA) | 0.3572% | 5,251 |
| Pretax return on assets | 0.3572% | 5,409 |
| Return on Equity (ROE) | 7.3837% | 3,326 |
| Retained earnings to average equity (ytd only) | 7.3837% | 1,438 |
| Net charge-offs to loans | 0.2966% | 807 |
| Credit loss provision to net charge-offs | -8.6207% | 4,459 |
| Earnings coverage of net charge-offs (x) | 1.6379% | 3,378 |
| Efficiency ratio | 95.9105% | 350 |
| Assets per employee ($millions) | 2.1797% | 5,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8638% | 5,084 |
| Loan loss allowance to noncurrent loans | 14.4192% | 5,467 |
| Noncurrent assets plus other real estate owned to assets | 5.3383% | 131 |
| Noncurrent loans to loans | 5.9907% | 121 |
| Net loans and leases to total assets | 74.7656% | 1,694 |
| Net loans and leases to deposits | 79.4083% | 3,012 |
| Net loans and leases to core deposits | 86.1280% | 2,884 |
| Total domestic deposits to total assets | 94.1534% | 17 |
| Equity capital to assets | 5.2961% | 6,024 |
| Core capital (leverage) ratio | 5.0625% | 6,027 |
| Tier 1 risk-based capital ratio | 7.5841% | 6,028 |
| Total risk-based capital ratio | 8.5617% | 6,028 |
| Memoranda: | ||
| Average total assets | $55,998,330 | 5,333 |
| Average earning assets | $52,150,670 | 5,311 |
| Average equity | $2,708,670 | 5,917 |
| Average total loans | $39,107,000 | 5,000 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4842% | 1,552 |
| Cost of funding earning assets | 0.1134% | 5,854 |
| Net interest margin | 4.3708% | 793 |
| Noninterest income to average assets | 2.2414% | 295 |
| Noninterest expense to average assets | 8.0915% | 106 |
| Loan and lease loss provision to assets | -0.2467% | 6,037 |
| Net operating income to assets | -1.5295% | 6,059 |
| Return on assets (ROA) | -1.5295% | 6,059 |
| Pretax return on assets | -1.5295% | 6,055 |
| Return on Equity (ROE) | -33.1298% | 6,092 |
| Retained earnings to average equity (ytd only) | -33.1298% | 6,035 |
| Net charge-offs to loans | 0.2204% | 922 |
| Credit loss provision to net charge-offs | -166.6667% | 4,317 |
| Earnings coverage of net charge-offs (x) | -12.0000% | 3,066 |
| Efficiency ratio | 128.1250% | 76 |
| Assets per employee ($millions) | 2.2709% | 5,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9779% | 4,721 |
| Loan loss allowance to noncurrent loans | 15.1275% | 5,485 |
| Noncurrent assets plus other real estate owned to assets | 5.2403% | 149 |
| Noncurrent loans to loans | 6.4644% | 125 |
| Net loans and leases to total assets | 67.2575% | 2,772 |
| Net loans and leases to deposits | 71.0622% | 3,744 |
| Net loans and leases to core deposits | 77.4477% | 3,555 |
| Total domestic deposits to total assets | 94.6460% | 16 |
| Equity capital to assets | 4.6660% | 6,094 |
| Core capital (leverage) ratio | 4.5245% | 6,094 |
| Tier 1 risk-based capital ratio | 6.9870% | 6,093 |
| Total risk-based capital ratio | 8.0220% | 6,093 |
| Memoranda: | ||
| Average total assets | $56,751,000 | 5,374 |
| Average earning assets | $52,897,000 | 5,344 |
| Average equity | $2,620,000 | 5,981 |
| Average total loans | $38,112,000 | 5,073 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7021% | 1,100 |
| Cost of funding earning assets | 0.1254% | 5,851 |
| Net interest margin | 4.5767% | 573 |
| Noninterest income to average assets | 2.3068% | 293 |
| Noninterest expense to average assets | 7.4833% | 124 |
| Loan and lease loss provision to assets | -0.1149% | 5,873 |
| Net operating income to assets | -0.8061% | 6,086 |
| Return on assets (ROA) | -0.8061% | 6,086 |
| Pretax return on assets | -0.8061% | 6,081 |
| Return on Equity (ROE) | -15.7989% | 6,124 |
| Retained earnings to average equity (ytd only) | -15.7989% | 6,094 |
| Net charge-offs to loans | 0.5959% | 406 |
| Credit loss provision to net charge-offs | -27.3092% | 5,009 |
| Earnings coverage of net charge-offs (x) | -2.1888% | 4,359 |
| Efficiency ratio | 114.0355% | 113 |
| Assets per employee ($millions) | 2.3600% | 5,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0662% | 4,231 |
| Loan loss allowance to noncurrent loans | 17.0821% | 5,503 |
| Noncurrent assets plus other real estate owned to assets | 5.0440% | 171 |
| Noncurrent loans to loans | 6.2414% | 130 |
| Net loans and leases to total assets | 65.7413% | 3,022 |
| Net loans and leases to deposits | 69.3113% | 3,991 |
| Net loans and leases to core deposits | 78.8230% | 3,461 |
| Total domestic deposits to total assets | 94.8492% | 19 |
| Equity capital to assets | 4.5711% | 6,151 |
| Core capital (leverage) ratio | 4.5969% | 6,149 |
| Tier 1 risk-based capital ratio | 7.4779% | 6,140 |
| Total risk-based capital ratio | 8.6442% | 6,141 |
| Memoranda: | ||
| Average total assets | $59,171,800 | 5,338 |
| Average earning assets | $55,017,600 | 5,321 |
| Average equity | $3,019,200 | 6,002 |
| Average total loans | $41,783,800 | 4,941 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7963% | 945 |
| Cost of funding earning assets | 0.1260% | 5,943 |
| Net interest margin | 4.6703% | 477 |
| Noninterest income to average assets | 2.1998% | 314 |
| Noninterest expense to average assets | 7.2796% | 136 |
| Loan and lease loss provision to assets | -0.0383% | 5,891 |
| Net operating income to assets | -0.7025% | 6,166 |
| Return on assets (ROA) | -0.7025% | 6,164 |
| Pretax return on assets | -0.7025% | 6,158 |
| Return on Equity (ROE) | -13.4201% | 6,204 |
| Retained earnings to average equity (ytd only) | -13.4201% | 6,166 |
| Net charge-offs to loans | 0.7825% | 263 |
| Credit loss provision to net charge-offs | -6.8273% | 4,838 |
| Earnings coverage of net charge-offs (x) | -1.3213% | 4,067 |
| Efficiency ratio | 111.3292% | 140 |
| Assets per employee ($millions) | 2.3658% | 6,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2486% | 3,381 |
| Loan loss allowance to noncurrent loans | 20.3471% | 5,568 |
| Noncurrent assets plus other real estate owned to assets | 5.1129% | 190 |
| Noncurrent loans to loans | 6.1364% | 132 |
| Net loans and leases to total assets | 62.7171% | 3,498 |
| Net loans and leases to deposits | 66.3875% | 4,348 |
| Net loans and leases to core deposits | 75.1301% | 3,898 |
| Total domestic deposits to total assets | 94.4712% | 25 |
| Equity capital to assets | 4.9218% | 6,231 |
| Core capital (leverage) ratio | 4.7653% | 6,232 |
| Tier 1 risk-based capital ratio | 7.4372% | 6,227 |
| Total risk-based capital ratio | 8.6715% | 6,228 |
| Memoranda: | ||
| Average total assets | $59,214,500 | 5,404 |
| Average earning assets | $55,013,250 | 5,385 |
| Average equity | $3,099,750 | 6,074 |
| Average total loans | $42,428,250 | 4,976 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8656% | 783 |
| Cost of funding earning assets | 0.1234% | 6,024 |
| Net interest margin | 4.7422% | 409 |
| Noninterest income to average assets | 2.1709% | 329 |
| Noninterest expense to average assets | 7.2690% | 137 |
| Loan and lease loss provision to assets | -0.3376% | 6,242 |
| Net operating income to assets | -0.3478% | 6,146 |
| Return on assets (ROA) | -0.3478% | 6,164 |
| Pretax return on assets | -0.3478% | 6,153 |
| Return on Equity (ROE) | -6.5135% | 6,212 |
| Retained earnings to average equity (ytd only) | -6.5135% | 6,071 |
| Net charge-offs to loans | 0.1771% | 1,396 |
| Credit loss provision to net charge-offs | -256.4103% | 5,077 |
| Earnings coverage of net charge-offs (x) | -5.2051% | 3,821 |
| Efficiency ratio | 110.4103% | 166 |
| Assets per employee ($millions) | 2.3351% | 6,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4501% | 2,509 |
| Loan loss allowance to noncurrent loans | 23.6133% | 5,628 |
| Noncurrent assets plus other real estate owned to assets | 5.6204% | 173 |
| Noncurrent loans to loans | 6.1411% | 152 |
| Net loans and leases to total assets | 69.3835% | 2,430 |
| Net loans and leases to deposits | 73.6369% | 3,534 |
| Net loans and leases to core deposits | 84.3886% | 2,942 |
| Total domestic deposits to total assets | 94.2238% | 27 |
| Equity capital to assets | 5.2349% | 6,293 |
| Core capital (leverage) ratio | 5.1196% | 6,296 |
| Tier 1 risk-based capital ratio | 8.1179% | 6,288 |
| Total risk-based capital ratio | 9.3730% | 6,286 |
| Memoranda: | ||
| Average total assets | $59,237,670 | 5,463 |
| Average earning assets | $55,122,000 | 5,436 |
| Average equity | $3,162,670 | 6,117 |
| Average total loans | $44,050,000 | 4,946 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0887% | 491 |
| Cost of funding earning assets | 0.1217% | 6,103 |
| Net interest margin | 4.9670% | 263 |
| Noninterest income to average assets | 2.2525% | 310 |
| Noninterest expense to average assets | 7.2065% | 141 |
| Loan and lease loss provision to assets | -0.4022% | 6,335 |
| Net operating income to assets | 0.1006% | 5,874 |
| Return on assets (ROA) | 0.1006% | 5,930 |
| Pretax return on assets | 0.1006% | 5,944 |
| Return on Equity (ROE) | 1.8657% | 5,718 |
| Retained earnings to average equity (ytd only) | 1.8657% | 4,726 |
| Net charge-offs to loans | -0.0439% | 5,452 |
| Credit loss provision to net charge-offs | 1,200.0000% | 290 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.3689% | 266 |
| Assets per employee ($millions) | 2.4530% | 6,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5669% | 2,168 |
| Loan loss allowance to noncurrent loans | 26.5937% | 5,611 |
| Noncurrent assets plus other real estate owned to assets | 5.5459% | 203 |
| Noncurrent loans to loans | 5.8920% | 189 |
| Net loans and leases to total assets | 72.5608% | 1,721 |
| Net loans and leases to deposits | 77.3023% | 2,909 |
| Net loans and leases to core deposits | 88.5237% | 2,270 |
| Total domestic deposits to total assets | 93.8664% | 32 |
| Equity capital to assets | 5.5238% | 6,353 |
| Core capital (leverage) ratio | 5.2176% | 6,360 |
| Tier 1 risk-based capital ratio | 7.9067% | 6,355 |
| Total risk-based capital ratio | 9.1633% | 6,353 |
| Memoranda: | ||
| Average total assets | $59,668,000 | 5,509 |
| Average earning assets | $55,889,000 | 5,468 |
| Average equity | $3,216,000 | 6,168 |
| Average total loans | $45,525,000 | 4,935 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2165% | 506 |
| Cost of funding earning assets | 0.1282% | 6,208 |
| Net interest margin | 5.0883% | 257 |
| Noninterest income to average assets | 2.4216% | 248 |
| Noninterest expense to average assets | 7.3480% | 129 |
| Loan and lease loss provision to assets | 0.2696% | 808 |
| Net operating income to assets | -0.4394% | 6,283 |
| Return on assets (ROA) | -0.4294% | 6,280 |
| Pretax return on assets | -0.4294% | 6,262 |
| Return on Equity (ROE) | -8.3393% | 6,342 |
| Retained earnings to average equity (ytd only) | -8.3393% | 6,277 |
| Net charge-offs to loans | 0.5979% | 664 |
| Credit loss provision to net charge-offs | 60.9023% | 3,273 |
| Earnings coverage of net charge-offs (x) | -0.3835% | 4,753 |
| Efficiency ratio | 102.3649% | 320 |
| Assets per employee ($millions) | 2.2426% | 6,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5397% | 2,298 |
| Loan loss allowance to noncurrent loans | 27.7149% | 5,703 |
| Noncurrent assets plus other real estate owned to assets | 5.3114% | 243 |
| Noncurrent loans to loans | 5.5556% | 233 |
| Net loans and leases to total assets | 77.6247% | 1,055 |
| Net loans and leases to deposits | 82.5129% | 2,405 |
| Net loans and leases to core deposits | 94.0848% | 1,912 |
| Total domestic deposits to total assets | 94.0759% | 32 |
| Equity capital to assets | 5.3923% | 6,446 |
| Core capital (leverage) ratio | 5.3223% | 6,444 |
| Tier 1 risk-based capital ratio | 7.5447% | 6,457 |
| Total risk-based capital ratio | 8.8009% | 6,458 |
| Memoranda: | ||
| Average total assets | $60,084,400 | 5,548 |
| Average earning assets | $56,168,200 | 5,516 |
| Average equity | $3,093,800 | 6,252 |
| Average total loans | $44,491,600 | 5,016 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1169% | 618 |
| Cost of funding earning assets | 0.1310% | 6,284 |
| Net interest margin | 4.9860% | 308 |
| Noninterest income to average assets | 1.6675% | 469 |
| Noninterest expense to average assets | 7.3793% | 130 |
| Loan and lease loss provision to assets | 0.2935% | 674 |
| Net operating income to assets | -1.3496% | 6,496 |
| Return on assets (ROA) | -1.3496% | 6,490 |
| Pretax return on assets | -1.3496% | 6,480 |
| Return on Equity (ROE) | -26.5261% | 6,529 |
| Retained earnings to average equity (ytd only) | -26.5261% | 6,518 |
| Net charge-offs to loans | 0.8211% | 406 |
| Credit loss provision to net charge-offs | 49.0706% | 3,118 |
| Earnings coverage of net charge-offs (x) | -1.7658% | 4,552 |
| Efficiency ratio | 116.7018% | 151 |
| Assets per employee ($millions) | 2.3281% | 6,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5872% | 2,342 |
| Loan loss allowance to noncurrent loans | 25.4348% | 5,842 |
| Noncurrent assets plus other real estate owned to assets | 5.6021% | 264 |
| Noncurrent loans to loans | 6.2404% | 216 |
| Net loans and leases to total assets | 71.9070% | 1,870 |
| Net loans and leases to deposits | 75.9219% | 3,190 |
| Net loans and leases to core deposits | 86.0623% | 2,658 |
| Total domestic deposits to total assets | 94.7118% | 29 |
| Equity capital to assets | 4.6968% | 6,533 |
| Core capital (leverage) ratio | 4.7883% | 6,531 |
| Tier 1 risk-based capital ratio | 7.0836% | 6,533 |
| Total risk-based capital ratio | 8.3392% | 6,534 |
| Memoranda: | ||
| Average total assets | $59,968,250 | 5,608 |
| Average earning assets | $55,995,750 | 5,581 |
| Average equity | $3,051,000 | 6,329 |
| Average total loans | $43,680,500 | 5,100 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0687% | 656 |
| Cost of funding earning assets | 0.1290% | 6,365 |
| Net interest margin | 4.9396% | 320 |
| Noninterest income to average assets | 1.4152% | 604 |
| Noninterest expense to average assets | 7.2097% | 132 |
| Loan and lease loss provision to assets | 0.2342% | 967 |
| Net operating income to assets | -1.4185% | 6,567 |
| Return on assets (ROA) | -1.4185% | 6,564 |
| Pretax return on assets | -1.4185% | 6,550 |
| Return on Equity (ROE) | -27.1766% | 6,600 |
| Retained earnings to average equity (ytd only) | -27.1766% | 6,573 |
| Net charge-offs to loans | 1.1587% | 274 |
| Credit loss provision to net charge-offs | 27.7778% | 3,084 |
| Earnings coverage of net charge-offs (x) | -1.4048% | 4,226 |
| Efficiency ratio | 119.6557% | 145 |
| Assets per employee ($millions) | 2.2087% | 6,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5244% | 2,784 |
| Loan loss allowance to noncurrent loans | 23.3808% | 5,938 |
| Noncurrent assets plus other real estate owned to assets | 5.4163% | 314 |
| Noncurrent loans to loans | 6.5199% | 211 |
| Net loans and leases to total assets | 71.1696% | 1,892 |
| Net loans and leases to deposits | 75.4833% | 3,127 |
| Net loans and leases to core deposits | 85.3552% | 2,575 |
| Total domestic deposits to total assets | 94.2852% | 40 |
| Equity capital to assets | 5.0977% | 6,585 |
| Core capital (leverage) ratio | 5.1223% | 6,582 |
| Tier 1 risk-based capital ratio | 7.9713% | 6,570 |
| Total risk-based capital ratio | 9.2259% | 6,573 |
| Memoranda: | ||
| Average total assets | $59,780,670 | 5,668 |
| Average earning assets | $55,793,670 | 5,632 |
| Average equity | $3,120,330 | 6,367 |
| Average total loans | $43,498,000 | 5,151 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1071% | 591 |
| Cost of funding earning assets | 0.1289% | 6,450 |
| Net interest margin | 4.9782% | 284 |
| Noninterest income to average assets | 1.1428% | 855 |
| Noninterest expense to average assets | 6.9971% | 141 |
| Loan and lease loss provision to assets | 0.2673% | 782 |
| Net operating income to assets | -1.4769% | 6,631 |
| Return on assets (ROA) | -1.4769% | 6,625 |
| Pretax return on assets | -1.4769% | 6,610 |
| Return on Equity (ROE) | -27.9703% | 6,660 |
| Retained earnings to average equity (ytd only) | -27.9703% | 6,611 |
| Net charge-offs to loans | 2.3159% | 104 |
| Credit loss provision to net charge-offs | 15.8103% | 2,548 |
| Earnings coverage of net charge-offs (x) | -0.7154% | 3,497 |
| Efficiency ratio | 120.9007% | 168 |
| Assets per employee ($millions) | 2.1836% | 6,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4545% | 3,351 |
| Loan loss allowance to noncurrent loans | 22.4856% | 6,028 |
| Noncurrent assets plus other real estate owned to assets | 5.4566% | 353 |
| Noncurrent loans to loans | 6.4686% | 255 |
| Net loans and leases to total assets | 71.9401% | 1,586 |
| Net loans and leases to deposits | 76.3992% | 2,768 |
| Net loans and leases to core deposits | 86.5412% | 2,261 |
| Total domestic deposits to total assets | 94.1634% | 63 |
| Equity capital to assets | 5.2768% | 6,616 |
| Core capital (leverage) ratio | 5.4028% | 6,629 |
| Tier 1 risk-based capital ratio | 8.0065% | 6,624 |
| Total risk-based capital ratio | 9.2602% | 6,628 |
| Memoranda: | ||
| Average total assets | $59,853,500 | 5,715 |
| Average earning assets | $55,843,500 | 5,672 |
| Average equity | $3,160,500 | 6,414 |
| Average total loans | $43,697,500 | 5,178 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9756% | 960 |
| Cost of funding earning assets | 0.1425% | 6,568 |
| Net interest margin | 4.8331% | 403 |
| Noninterest income to average assets | 1.6449% | 531 |
| Noninterest expense to average assets | 7.6984% | 123 |
| Loan and lease loss provision to assets | 0.1199% | 2,818 |
| Net operating income to assets | -1.6736% | 6,688 |
| Return on assets (ROA) | -1.0694% | 6,618 |
| Pretax return on assets | -1.0694% | 6,604 |
| Return on Equity (ROE) | -17.9935% | 6,672 |
| Retained earnings to average equity (ytd only) | -17.9935% | 6,650 |
| Net charge-offs to loans | 1.0426% | 545 |
| Credit loss provision to net charge-offs | 17.0455% | 4,498 |
| Earnings coverage of net charge-offs (x) | -2.2091% | 5,333 |
| Efficiency ratio | 121.7482% | 164 |
| Assets per employee ($millions) | 2.1697% | 6,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8915% | 1,798 |
| Loan loss allowance to noncurrent loans | 28.9410% | 5,974 |
| Noncurrent assets plus other real estate owned to assets | 5.4847% | 392 |
| Noncurrent loans to loans | 6.5358% | 279 |
| Net loans and leases to total assets | 71.6317% | 1,748 |
| Net loans and leases to deposits | 76.1999% | 2,941 |
| Net loans and leases to core deposits | 85.9986% | 2,447 |
| Total domestic deposits to total assets | 94.0050% | 81 |
| Equity capital to assets | 5.2839% | 6,670 |
| Core capital (leverage) ratio | 5.6735% | 6,677 |
| Tier 1 risk-based capital ratio | 8.2204% | 6,689 |
| Total risk-based capital ratio | 9.4797% | 6,690 |
| Memoranda: | ||
| Average total assets | $62,558,400 | 5,690 |
| Average earning assets | $58,243,800 | 5,648 |
| Average equity | $3,718,000 | 6,387 |
| Average total loans | $42,203,000 | 5,260 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9020% | 1,121 |
| Cost of funding earning assets | 0.1454% | 6,656 |
| Net interest margin | 4.7566% | 465 |
| Noninterest income to average assets | 1.3691% | 773 |
| Noninterest expense to average assets | 7.7213% | 124 |
| Loan and lease loss provision to assets | 0.0952% | 3,171 |
| Net operating income to assets | -2.0187% | 6,807 |
| Return on assets (ROA) | -1.2188% | 6,734 |
| Pretax return on assets | -1.2188% | 6,724 |
| Return on Equity (ROE) | -19.9735% | 6,770 |
| Retained earnings to average equity (ytd only) | -19.9735% | 6,755 |
| Net charge-offs to loans | 1.3984% | 357 |
| Credit loss provision to net charge-offs | 10.2975% | 4,215 |
| Earnings coverage of net charge-offs (x) | -2.0801% | 5,086 |
| Efficiency ratio | 128.3212% | 132 |
| Assets per employee ($millions) | 2.3131% | 6,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9184% | 1,950 |
| Loan loss allowance to noncurrent loans | 34.2905% | 5,836 |
| Noncurrent assets plus other real estate owned to assets | 4.5634% | 656 |
| Noncurrent loans to loans | 5.5947% | 481 |
| Net loans and leases to total assets | 66.4724% | 2,565 |
| Net loans and leases to deposits | 70.7187% | 3,684 |
| Net loans and leases to core deposits | 79.5333% | 3,173 |
| Total domestic deposits to total assets | 93.9955% | 72 |
| Equity capital to assets | 5.4617% | 6,740 |
| Core capital (leverage) ratio | 5.8298% | 6,734 |
| Tier 1 risk-based capital ratio | 8.8363% | 6,733 |
| Total risk-based capital ratio | 10.0948% | 6,735 |
| Memoranda: | ||
| Average total assets | $63,010,250 | 5,738 |
| Average earning assets | $58,668,250 | 5,696 |
| Average equity | $3,845,000 | 6,441 |
| Average total loans | $41,664,750 | 5,328 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8275% | 1,272 |
| Cost of funding earning assets | 0.1565% | 6,688 |
| Net interest margin | 4.6710% | 534 |
| Noninterest income to average assets | 1.4906% | 706 |
| Noninterest expense to average assets | 7.7537% | 123 |
| Loan and lease loss provision to assets | 0.0475% | 4,024 |
| Net operating income to assets | -1.9653% | 6,846 |
| Return on assets (ROA) | -0.7690% | 6,718 |
| Pretax return on assets | -0.7690% | 6,700 |
| Return on Equity (ROE) | -12.1815% | 6,773 |
| Retained earnings to average equity (ytd only) | -12.1815% | 6,714 |
| Net charge-offs to loans | 2.1282% | 200 |
| Credit loss provision to net charge-offs | 3.4014% | 3,973 |
| Earnings coverage of net charge-offs (x) | -1.3741% | 4,737 |
| Efficiency ratio | 128.0369% | 141 |
| Assets per employee ($millions) | 2.2814% | 6,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8589% | 2,231 |
| Loan loss allowance to noncurrent loans | 34.3336% | 5,873 |
| Noncurrent assets plus other real estate owned to assets | 4.5342% | 726 |
| Noncurrent loans to loans | 5.4142% | 569 |
| Net loans and leases to total assets | 66.6824% | 2,471 |
| Net loans and leases to deposits | 71.3516% | 3,538 |
| Net loans and leases to core deposits | 74.8383% | 3,685 |
| Total domestic deposits to total assets | 93.4560% | 90 |
| Equity capital to assets | 6.1284% | 6,732 |
| Core capital (leverage) ratio | 6.2688% | 6,724 |
| Tier 1 risk-based capital ratio | 9.3451% | 6,734 |
| Total risk-based capital ratio | 10.6018% | 6,721 |
| Memoranda: | ||
| Average total assets | $63,196,000 | 5,771 |
| Average earning assets | $58,787,670 | 5,733 |
| Average equity | $3,989,670 | 6,454 |
| Average total loans | $41,444,330 | 5,360 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8263% | 1,238 |
| Cost of funding earning assets | 0.1678% | 6,740 |
| Net interest margin | 4.6585% | 515 |
| Noninterest income to average assets | 1.2188% | 1,021 |
| Noninterest expense to average assets | 7.0756% | 148 |
| Loan and lease loss provision to assets | 0.2250% | 1,633 |
| Net operating income to assets | -1.7439% | 6,905 |
| Return on assets (ROA) | -1.7439% | 6,908 |
| Pretax return on assets | -1.7439% | 6,898 |
| Return on Equity (ROE) | -27.2394% | 6,925 |
| Retained earnings to average equity (ytd only) | -27.2394% | 6,886 |
| Net charge-offs to loans | 3.2687% | 102 |
| Credit loss provision to net charge-offs | 10.6825% | 3,137 |
| Earnings coverage of net charge-offs (x) | -0.7211% | 3,945 |
| Efficiency ratio | 122.3847% | 198 |
| Assets per employee ($millions) | 2.3100% | 6,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2036% | 1,577 |
| Loan loss allowance to noncurrent loans | 37.2832% | 5,719 |
| Noncurrent assets plus other real estate owned to assets | 5.0745% | 715 |
| Noncurrent loans to loans | 5.9105% | 567 |
| Net loans and leases to total assets | 64.2526% | 2,656 |
| Net loans and leases to deposits | 68.9083% | 3,648 |
| Net loans and leases to core deposits | 77.2054% | 3,177 |
| Total domestic deposits to total assets | 93.2437% | 109 |
| Equity capital to assets | 6.3395% | 6,804 |
| Core capital (leverage) ratio | 5.7581% | 6,825 |
| Tier 1 risk-based capital ratio | 9.2877% | 6,782 |
| Total risk-based capital ratio | 10.5490% | 6,778 |
| Memoranda: | ||
| Average total assets | $63,995,000 | 5,805 |
| Average earning assets | $59,590,000 | 5,761 |
| Average equity | $4,097,000 | 6,492 |
| Average total loans | $41,240,000 | 5,404 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8174% | 2,129 |
| Cost of funding earning assets | 0.2171% | 6,787 |
| Net interest margin | 4.6003% | 785 |
| Noninterest income to average assets | 2.1955% | 384 |
| Noninterest expense to average assets | 7.2169% | 137 |
| Loan and lease loss provision to assets | 0.6536% | 815 |
| Net operating income to assets | -1.4353% | 6,845 |
| Return on assets (ROA) | -1.4353% | 6,853 |
| Pretax return on assets | -1.4353% | 6,832 |
| Return on Equity (ROE) | -21.0640% | 6,894 |
| Retained earnings to average equity (ytd only) | -21.0640% | 6,865 |
| Net charge-offs to loans | 0.2813% | 3,255 |
| Credit loss provision to net charge-offs | 388.0342% | 623 |
| Earnings coverage of net charge-offs (x) | -4.6410% | 5,903 |
| Efficiency ratio | 108.1655% | 361 |
| Assets per employee ($millions) | 2.5238% | 6,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9011% | 734 |
| Loan loss allowance to noncurrent loans | 43.0923% | 5,484 |
| Noncurrent assets plus other real estate owned to assets | 5.4390% | 688 |
| Noncurrent loans to loans | 6.7322% | 483 |
| Net loans and leases to total assets | 61.4121% | 3,356 |
| Net loans and leases to deposits | 66.0883% | 4,270 |
| Net loans and leases to core deposits | 73.6386% | 3,828 |
| Total domestic deposits to total assets | 92.9243% | 139 |
| Equity capital to assets | 6.4615% | 6,848 |
| Core capital (leverage) ratio | 5.9986% | 6,857 |
| Tier 1 risk-based capital ratio | 9.7874% | 6,750 |
| Total risk-based capital ratio | 11.0571% | 6,718 |
| Memoranda: | ||
| Average total assets | $69,461,800 | 5,644 |
| Average earning assets | $64,018,200 | 5,609 |
| Average equity | $4,733,200 | 6,371 |
| Average total loans | $41,594,200 | 5,439 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8370% | 2,254 |
| Cost of funding earning assets | 0.2224% | 6,897 |
| Net interest margin | 4.6146% | 794 |
| Noninterest income to average assets | 1.3878% | 780 |
| Noninterest expense to average assets | 7.0336% | 141 |
| Loan and lease loss provision to assets | 0.2291% | 2,767 |
| Net operating income to assets | -1.6320% | 6,992 |
| Return on assets (ROA) | -1.6320% | 6,999 |
| Pretax return on assets | -1.6320% | 6,976 |
| Return on Equity (ROE) | -23.6652% | 7,025 |
| Retained earnings to average equity (ytd only) | -23.6652% | 7,014 |
| Net charge-offs to loans | 0.3812% | 2,571 |
| Credit loss provision to net charge-offs | 101.6807% | 2,896 |
| Earnings coverage of net charge-offs (x) | -6.2270% | 5,724 |
| Efficiency ratio | 120.4102% | 192 |
| Assets per employee ($millions) | 2.6127% | 6,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1366% | 1,839 |
| Loan loss allowance to noncurrent loans | 33.1048% | 5,979 |
| Noncurrent assets plus other real estate owned to assets | 5.5969% | 754 |
| Noncurrent loans to loans | 6.4539% | 594 |
| Net loans and leases to total assets | 58.5956% | 4,025 |
| Net loans and leases to deposits | 62.9591% | 4,846 |
| Net loans and leases to core deposits | 69.8769% | 4,508 |
| Total domestic deposits to total assets | 93.0693% | 104 |
| Equity capital to assets | 6.4434% | 6,951 |
| Core capital (leverage) ratio | 6.0572% | 6,944 |
| Tier 1 risk-based capital ratio | 9.9317% | 6,813 |
| Total risk-based capital ratio | 11.1918% | 6,792 |
| Memoranda: | ||
| Average total assets | $70,422,500 | 5,682 |
| Average earning assets | $64,749,500 | 5,651 |
| Average equity | $4,856,500 | 6,407 |
| Average total loans | $41,617,250 | 5,496 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8281% | 2,393 |
| Cost of funding earning assets | 0.2321% | 6,967 |
| Net interest margin | 4.5960% | 836 |
| Noninterest income to average assets | 1.3277% | 806 |
| Noninterest expense to average assets | 6.6579% | 162 |
| Loan and lease loss provision to assets | 0.1684% | 3,420 |
| Net operating income to assets | -1.2743% | 6,974 |
| Return on assets (ROA) | -1.2743% | 6,991 |
| Pretax return on assets | -1.2743% | 6,962 |
| Return on Equity (ROE) | -18.1009% | 7,014 |
| Retained earnings to average equity (ytd only) | -18.1009% | 6,988 |
| Net charge-offs to loans | 0.1002% | 4,164 |
| Credit loss provision to net charge-offs | 285.7143% | 1,023 |
| Earnings coverage of net charge-offs (x) | -18.7619% | 5,479 |
| Efficiency ratio | 115.4196% | 263 |
| Assets per employee ($millions) | 2.4987% | 6,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1156% | 1,963 |
| Loan loss allowance to noncurrent loans | 38.6025% | 5,731 |
| Noncurrent assets plus other real estate owned to assets | 5.4548% | 823 |
| Noncurrent loans to loans | 5.4804% | 851 |
| Net loans and leases to total assets | 62.1354% | 3,404 |
| Net loans and leases to deposits | 67.2544% | 4,323 |
| Net loans and leases to core deposits | 74.7579% | 3,926 |
| Total domestic deposits to total assets | 92.3885% | 171 |
| Equity capital to assets | 7.0927% | 6,892 |
| Core capital (leverage) ratio | 6.5041% | 6,929 |
| Tier 1 risk-based capital ratio | 10.6784% | 6,625 |
| Total risk-based capital ratio | 11.9395% | 6,605 |
| Memoranda: | ||
| Average total assets | $71,253,330 | 5,693 |
| Average earning assets | $65,491,330 | 5,662 |
| Average equity | $5,016,330 | 6,388 |
| Average total loans | $41,932,000 | 5,516 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7677% | 2,771 |
| Cost of funding earning assets | 0.2556% | 6,996 |
| Net interest margin | 4.5121% | 986 |
| Noninterest income to average assets | 1.0609% | 1,284 |
| Noninterest expense to average assets | 6.2394% | 185 |
| Loan and lease loss provision to assets | 0.1641% | 3,339 |
| Net operating income to assets | -1.1921% | 7,033 |
| Return on assets (ROA) | -1.1921% | 7,049 |
| Pretax return on assets | -1.1921% | 7,020 |
| Return on Equity (ROE) | -16.9914% | 7,084 |
| Retained earnings to average equity (ytd only) | -16.9914% | 7,009 |
| Net charge-offs to loans | 0.3182% | 2,371 |
| Credit loss provision to net charge-offs | 90.9091% | 2,531 |
| Earnings coverage of net charge-offs (x) | -5.6970% | 4,671 |
| Efficiency ratio | 115.1102% | 272 |
| Assets per employee ($millions) | 2.4743% | 6,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0835% | 2,141 |
| Loan loss allowance to noncurrent loans | 38.1457% | 5,720 |
| Noncurrent assets plus other real estate owned to assets | 5.2094% | 979 |
| Noncurrent loans to loans | 5.4619% | 976 |
| Net loans and leases to total assets | 58.6108% | 3,940 |
| Net loans and leases to deposits | 63.5168% | 4,706 |
| Net loans and leases to core deposits | 72.9335% | 4,028 |
| Total domestic deposits to total assets | 92.2762% | 217 |
| Equity capital to assets | 7.2504% | 6,868 |
| Core capital (leverage) ratio | 6.2398% | 7,007 |
| Tier 1 risk-based capital ratio | 10.8596% | 6,595 |
| Total risk-based capital ratio | 12.1194% | 6,583 |
| Memoranda: | ||
| Average total assets | $73,148,000 | 5,678 |
| Average earning assets | $67,286,000 | 5,650 |
| Average equity | $5,132,000 | 6,387 |
| Average total loans | $41,485,500 | 5,570 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7544% | 4,008 |
| Cost of funding earning assets | 0.3383% | 7,037 |
| Net interest margin | 4.4161% | 1,356 |
| Noninterest income to average assets | 1.4117% | 650 |
| Noninterest expense to average assets | 6.5305% | 169 |
| Loan and lease loss provision to assets | 0.2243% | 3,959 |
| Net operating income to assets | -1.2956% | 6,855 |
| Return on assets (ROA) | -1.2956% | 6,873 |
| Pretax return on assets | -1.2956% | 6,840 |
| Return on Equity (ROE) | -17.1486% | 6,936 |
| Retained earnings to average equity (ytd only) | -17.1486% | 6,918 |
| Net charge-offs to loans | 0.5394% | 2,855 |
| Credit loss provision to net charge-offs | 74.2358% | 4,696 |
| Earnings coverage of net charge-offs (x) | -3.5459% | 6,340 |
| Efficiency ratio | 115.3214% | 350 |
| Assets per employee ($millions) | 2.7506% | 6,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0891% | 2,036 |
| Loan loss allowance to noncurrent loans | 35.2582% | 5,878 |
| Noncurrent assets plus other real estate owned to assets | 4.8600% | 1,113 |
| Noncurrent loans to loans | 5.9250% | 847 |
| Net loans and leases to total assets | 52.7611% | 5,193 |
| Net loans and leases to deposits | 56.9748% | 5,803 |
| Net loans and leases to core deposits | 71.8390% | 4,550 |
| Total domestic deposits to total assets | 92.6042% | 167 |
| Equity capital to assets | 6.8050% | 7,004 |
| Core capital (leverage) ratio | 6.2684% | 7,017 |
| Tier 1 risk-based capital ratio | 11.1496% | 6,374 |
| Total risk-based capital ratio | 12.4088% | 6,352 |
| Memoranda: | ||
| Average total assets | $75,797,600 | 5,579 |
| Average earning assets | $69,472,600 | 5,554 |
| Average equity | $5,726,400 | 6,225 |
| Average total loans | $42,454,200 | 5,585 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7368% | 4,296 |
| Cost of funding earning assets | 0.3529% | 7,118 |
| Net interest margin | 4.3839% | 1,450 |
| Noninterest income to average assets | 1.4341% | 641 |
| Noninterest expense to average assets | 6.5788% | 160 |
| Loan and lease loss provision to assets | 0.1766% | 4,268 |
| Net operating income to assets | -1.3069% | 6,989 |
| Return on assets (ROA) | -1.3069% | 7,008 |
| Pretax return on assets | -1.3069% | 6,966 |
| Return on Equity (ROE) | -16.8721% | 7,049 |
| Retained earnings to average equity (ytd only) | -16.8721% | 7,028 |
| Net charge-offs to loans | 0.7089% | 2,143 |
| Credit loss provision to net charge-offs | 44.0529% | 5,165 |
| Earnings coverage of net charge-offs (x) | -2.8194% | 6,055 |
| Efficiency ratio | 116.4019% | 341 |
| Assets per employee ($millions) | 2.6901% | 6,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9187% | 2,565 |
| Loan loss allowance to noncurrent loans | 33.2639% | 6,074 |
| Noncurrent assets plus other real estate owned to assets | 4.7248% | 1,245 |
| Noncurrent loans to loans | 5.7681% | 994 |
| Net loans and leases to total assets | 52.3547% | 5,402 |
| Net loans and leases to deposits | 56.5949% | 5,971 |
| Net loans and leases to core deposits | 71.1456% | 4,823 |
| Total domestic deposits to total assets | 92.5078% | 160 |
| Equity capital to assets | 7.0269% | 7,050 |
| Core capital (leverage) ratio | 6.4847% | 7,076 |
| Tier 1 risk-based capital ratio | 11.5439% | 6,217 |
| Total risk-based capital ratio | 12.8013% | 6,201 |
| Memoranda: | ||
| Average total assets | $75,492,750 | 5,628 |
| Average earning assets | $69,130,250 | 5,610 |
| Average equity | $5,847,750 | 6,238 |
| Average total loans | $42,692,250 | 5,618 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8098% | 4,063 |
| Cost of funding earning assets | 0.3614% | 7,207 |
| Net interest margin | 4.4484% | 1,248 |
| Noninterest income to average assets | 1.6423% | 488 |
| Noninterest expense to average assets | 6.7593% | 153 |
| Loan and lease loss provision to assets | 0.1875% | 4,039 |
| Net operating income to assets | -1.2485% | 7,017 |
| Return on assets (ROA) | -1.2485% | 7,029 |
| Pretax return on assets | -1.2485% | 6,982 |
| Return on Equity (ROE) | -15.6123% | 7,077 |
| Retained earnings to average equity (ytd only) | -15.6123% | 7,051 |
| Net charge-offs to loans | 1.0641% | 1,481 |
| Credit loss provision to net charge-offs | 30.5677% | 4,978 |
| Earnings coverage of net charge-offs (x) | -1.7293% | 5,700 |
| Efficiency ratio | 114.4335% | 409 |
| Assets per employee ($millions) | 2.5296% | 6,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8448% | 2,841 |
| Loan loss allowance to noncurrent loans | 34.1648% | 6,038 |
| Noncurrent assets plus other real estate owned to assets | 4.6517% | 1,344 |
| Noncurrent loans to loans | 5.3997% | 1,175 |
| Net loans and leases to total assets | 53.7760% | 5,325 |
| Net loans and leases to deposits | 58.5042% | 5,878 |
| Net loans and leases to core deposits | 73.8624% | 4,595 |
| Total domestic deposits to total assets | 91.9182% | 253 |
| Equity capital to assets | 7.5902% | 6,906 |
| Core capital (leverage) ratio | 7.0458% | 6,980 |
| Tier 1 risk-based capital ratio | 11.9461% | 5,826 |
| Total risk-based capital ratio | 13.2028% | 5,798 |
| Memoranda: | ||
| Average total assets | $74,652,330 | 5,701 |
| Average earning assets | $68,069,000 | 5,693 |
| Average equity | $5,969,670 | 6,239 |
| Average total loans | $43,042,000 | 5,660 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8821% | 3,681 |
| Cost of funding earning assets | 0.3610% | 7,300 |
| Net interest margin | 4.5211% | 1,022 |
| Noninterest income to average assets | 1.1562% | 975 |
| Noninterest expense to average assets | 6.7644% | 159 |
| Loan and lease loss provision to assets | 0.1621% | 4,008 |
| Net operating income to assets | -1.6425% | 7,230 |
| Return on assets (ROA) | -1.6425% | 7,233 |
| Pretax return on assets | -1.6425% | 7,203 |
| Return on Equity (ROE) | -20.0181% | 7,220 |
| Retained earnings to average equity (ytd only) | -20.0181% | 7,156 |
| Net charge-offs to loans | 1.9372% | 660 |
| Credit loss provision to net charge-offs | 14.1509% | 4,346 |
| Earnings coverage of net charge-offs (x) | -1.2925% | 4,925 |
| Efficiency ratio | 123.4151% | 314 |
| Assets per employee ($millions) | 2.4701% | 7,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7740% | 3,091 |
| Loan loss allowance to noncurrent loans | 28.0967% | 6,406 |
| Noncurrent assets plus other real estate owned to assets | 6.2925% | 897 |
| Noncurrent loans to loans | 6.3141% | 973 |
| Net loans and leases to total assets | 55.5894% | 5,061 |
| Net loans and leases to deposits | 60.7483% | 5,649 |
| Net loans and leases to core deposits | 77.2726% | 4,117 |
| Total domestic deposits to total assets | 91.5079% | 415 |
| Equity capital to assets | 7.9915% | 6,504 |
| Core capital (leverage) ratio | 7.3378% | 6,832 |
| Tier 1 risk-based capital ratio | 12.0212% | 5,671 |
| Total risk-based capital ratio | 13.2758% | 5,660 |
| Memoranda: | ||
| Average total assets | $74,035,000 | 5,758 |
| Average earning assets | $67,593,500 | 5,748 |
| Average equity | $6,074,500 | 6,217 |
| Average total loans | $43,775,000 | 5,667 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1756% | 3,725 |
| Cost of funding earning assets | 0.4491% | 7,370 |
| Net interest margin | 4.7264% | 774 |
| Noninterest income to average assets | 2.0426% | 379 |
| Noninterest expense to average assets | 6.9648% | 158 |
| Loan and lease loss provision to assets | 1.0422% | 1,546 |
| Net operating income to assets | -1.6477% | 6,956 |
| Return on assets (ROA) | -1.6477% | 6,978 |
| Pretax return on assets | -1.6477% | 6,913 |
| Return on Equity (ROE) | -17.2323% | 6,980 |
| Retained earnings to average equity (ytd only) | -17.2323% | 6,948 |
| Net charge-offs to loans | 1.1743% | 1,896 |
| Credit loss provision to net charge-offs | 136.3139% | 2,823 |
| Earnings coverage of net charge-offs (x) | -0.7920% | 6,549 |
| Efficiency ratio | 105.6165% | 632 |
| Assets per employee ($millions) | 2.5506% | 6,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0302% | 2,226 |
| Loan loss allowance to noncurrent loans | 31.0010% | 6,232 |
| Noncurrent assets plus other real estate owned to assets | 5.9541% | 1,006 |
| Noncurrent loans to loans | 6.5487% | 910 |
| Net loans and leases to total assets | 60.4142% | 4,602 |
| Net loans and leases to deposits | 66.4180% | 5,349 |
| Net loans and leases to core deposits | 83.8780% | 3,613 |
| Total domestic deposits to total assets | 90.9607% | 613 |
| Equity capital to assets | 8.4187% | 5,968 |
| Core capital (leverage) ratio | 7.5338% | 6,677 |
| Tier 1 risk-based capital ratio | 12.4940% | 5,026 |
| Total risk-based capital ratio | 13.7607% | 4,998 |
| Memoranda: | ||
| Average total assets | $71,674,600 | 5,824 |
| Average earning assets | $65,461,600 | 5,814 |
| Average equity | $6,853,400 | 6,086 |
| Average total loans | $46,664,800 | 5,609 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2121% | 3,774 |
| Cost of funding earning assets | 0.4643% | 7,495 |
| Net interest margin | 4.7478% | 752 |
| Noninterest income to average assets | 2.2184% | 326 |
| Noninterest expense to average assets | 6.9495% | 156 |
| Loan and lease loss provision to assets | 0.8945% | 1,700 |
| Net operating income to assets | -1.2920% | 7,026 |
| Return on assets (ROA) | -1.2920% | 7,055 |
| Pretax return on assets | -1.2920% | 6,975 |
| Return on Equity (ROE) | -13.1047% | 7,046 |
| Retained earnings to average equity (ytd only) | -13.1047% | 7,010 |
| Net charge-offs to loans | 1.2274% | 1,666 |
| Credit loss provision to net charge-offs | 110.4167% | 3,831 |
| Earnings coverage of net charge-offs (x) | -0.4907% | 6,317 |
| Efficiency ratio | 102.2610% | 676 |
| Assets per employee ($millions) | 2.5240% | 7,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6662% | 3,268 |
| Loan loss allowance to noncurrent loans | 29.1101% | 6,383 |
| Noncurrent assets plus other real estate owned to assets | 5.1901% | 1,212 |
| Noncurrent loans to loans | 5.7237% | 1,137 |
| Net loans and leases to total assets | 60.1709% | 4,879 |
| Net loans and leases to deposits | 66.4382% | 5,618 |
| Net loans and leases to core deposits | 83.5065% | 4,022 |
| Total domestic deposits to total assets | 90.5667% | 612 |
| Equity capital to assets | 8.8773% | 5,735 |
| Core capital (leverage) ratio | 8.2475% | 5,961 |
| Tier 1 risk-based capital ratio | 12.4339% | 5,047 |
| Total risk-based capital ratio | 13.6876% | 5,010 |
| Memoranda: | ||
| Average total assets | $71,101,750 | 5,914 |
| Average earning assets | $64,898,250 | 5,896 |
| Average equity | $7,010,000 | 6,109 |
| Average total loans | $46,928,000 | 5,678 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2108% | 3,895 |
| Cost of funding earning assets | 0.4774% | 7,573 |
| Net interest margin | 4.7334% | 761 |
| Noninterest income to average assets | 1.6331% | 483 |
| Noninterest expense to average assets | 6.9176% | 158 |
| Loan and lease loss provision to assets | 1.1702% | 1,212 |
| Net operating income to assets | -2.1218% | 7,338 |
| Return on assets (ROA) | -2.1218% | 7,346 |
| Pretax return on assets | -2.1218% | 7,272 |
| Return on Equity (ROE) | -20.7712% | 7,287 |
| Retained earnings to average equity (ytd only) | -20.7712% | 7,269 |
| Net charge-offs to loans | 1.2265% | 1,560 |
| Credit loss provision to net charge-offs | 140.8304% | 2,839 |
| Earnings coverage of net charge-offs (x) | -1.1453% | 6,142 |
| Efficiency ratio | 111.6627% | 518 |
| Assets per employee ($millions) | 2.2854% | 7,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7931% | 2,736 |
| Loan loss allowance to noncurrent loans | 23.9445% | 6,741 |
| Noncurrent assets plus other real estate owned to assets | 5.7677% | 1,043 |
| Noncurrent loans to loans | 7.4888% | 717 |
| Net loans and leases to total assets | 63.2815% | 4,401 |
| Net loans and leases to deposits | 70.1261% | 5,261 |
| Net loans and leases to core deposits | 89.0169% | 3,406 |
| Total domestic deposits to total assets | 90.2396% | 800 |
| Equity capital to assets | 9.1314% | 5,248 |
| Core capital (leverage) ratio | 8.3196% | 5,721 |
| Tier 1 risk-based capital ratio | 12.5129% | 4,849 |
| Total risk-based capital ratio | 13.7735% | 4,807 |
| Memoranda: | ||
| Average total assets | $69,562,000 | 5,990 |
| Average earning assets | $63,675,000 | 5,967 |
| Average equity | $7,106,000 | 6,108 |
| Average total loans | $47,126,000 | 5,714 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2415% | 3,826 |
| Cost of funding earning assets | 0.4906% | 7,683 |
| Net interest margin | 4.7509% | 703 |
| Noninterest income to average assets | 1.5758% | 492 |
| Noninterest expense to average assets | 6.8342% | 159 |
| Loan and lease loss provision to assets | 0.1771% | 4,751 |
| Net operating income to assets | -1.0918% | 7,162 |
| Return on assets (ROA) | -1.0918% | 7,178 |
| Pretax return on assets | -1.0918% | 7,096 |
| Return on Equity (ROE) | -10.1093% | 7,145 |
| Retained earnings to average equity (ytd only) | -10.1093% | 6,973 |
| Net charge-offs to loans | 0.9761% | 1,674 |
| Credit loss provision to net charge-offs | 26.0870% | 4,870 |
| Earnings coverage of net charge-offs (x) | -1.3478% | 5,418 |
| Efficiency ratio | 111.0668% | 578 |
| Assets per employee ($millions) | 2.1689% | 7,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3757% | 4,541 |
| Loan loss allowance to noncurrent loans | 19.6751% | 7,029 |
| Noncurrent assets plus other real estate owned to assets | 5.5594% | 1,111 |
| Noncurrent loans to loans | 6.9921% | 851 |
| Net loans and leases to total assets | 68.4519% | 3,285 |
| Net loans and leases to deposits | 77.0912% | 4,207 |
| Net loans and leases to core deposits | 90.7791% | 3,261 |
| Total domestic deposits to total assets | 88.7934% | 1,623 |
| Equity capital to assets | 10.7471% | 3,009 |
| Core capital (leverage) ratio | 9.7751% | 3,426 |
| Tier 1 risk-based capital ratio | 13.9109% | 3,716 |
| Total risk-based capital ratio | 15.1632% | 3,675 |
| Memoranda: | ||
| Average total assets | $67,777,000 | 6,117 |
| Average earning assets | $61,967,000 | 6,088 |
| Average equity | $7,320,000 | 6,078 |
| Average total loans | $47,127,000 | 5,795 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6787% | 3,216 |
| Cost of funding earning assets | 0.7508% | 7,621 |
| Net interest margin | 4.9278% | 524 |
| Noninterest income to average assets | 1.8994% | 409 |
| Noninterest expense to average assets | 6.7667% | 222 |
| Loan and lease loss provision to assets | 0.3402% | 4,762 |
| Net operating income to assets | -0.6848% | 6,350 |
| Return on assets (ROA) | -0.6848% | 6,345 |
| Pretax return on assets | -0.6848% | 6,174 |
| Return on Equity (ROE) | -6.1840% | 6,322 |
| Retained earnings to average equity (ytd only) | -6.1840% | 6,165 |
| Net charge-offs to loans | 0.1938% | 5,433 |
| Credit loss provision to net charge-offs | 250.0000% | 1,414 |
| Earnings coverage of net charge-offs (x) | -2.5319% | 7,035 |
| Efficiency ratio | 101.3526% | 1,039 |
| Assets per employee ($millions) | 2.2772% | 7,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5277% | 3,587 |
| Loan loss allowance to noncurrent loans | 15.9465% | 7,213 |
| Noncurrent assets plus other real estate owned to assets | 6.6733% | 798 |
| Noncurrent loans to loans | 9.5803% | 448 |
| Net loans and leases to total assets | 68.5920% | 3,571 |
| Net loans and leases to deposits | 77.5520% | 4,465 |
| Net loans and leases to core deposits | 97.5092% | 4,281 |
| Total domestic deposits to total assets | 88.4465% | 1,753 |
| Equity capital to assets | 10.8524% | 2,818 |
| Core capital (leverage) ratio | 9.9057% | 3,187 |
| Tier 1 risk-based capital ratio | 14.0722% | 3,454 |
| Total risk-based capital ratio | 15.3251% | 3,407 |
| Memoranda: | ||
| Average total assets | $69,073,600 | 6,033 |
| Average earning assets | $63,395,000 | 6,020 |
| Average equity | $7,648,800 | 6,036 |
| Average total loans | $48,496,000 | 5,738 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7736% | 3,010 |
| Cost of funding earning assets | 0.8068% | 7,686 |
| Net interest margin | 4.9667% | 477 |
| Noninterest income to average assets | 1.9365% | 396 |
| Noninterest expense to average assets | 6.7567% | 219 |
| Loan and lease loss provision to assets | 0.3946% | 3,947 |
| Net operating income to assets | -0.6526% | 6,568 |
| Return on assets (ROA) | -0.6526% | 6,577 |
| Pretax return on assets | -0.6526% | 6,445 |
| Return on Equity (ROE) | -5.8643% | 6,541 |
| Retained earnings to average equity (ytd only) | -5.8643% | 6,372 |
| Net charge-offs to loans | 0.2517% | 4,474 |
| Credit loss provision to net charge-offs | 222.8261% | 1,961 |
| Earnings coverage of net charge-offs (x) | -1.4565% | 6,696 |
| Efficiency ratio | 100.0000% | 1,063 |
| Assets per employee ($millions) | 2.2932% | 7,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4403% | 3,735 |
| Loan loss allowance to noncurrent loans | 23.9398% | 6,845 |
| Noncurrent assets plus other real estate owned to assets | 4.2502% | 1,472 |
| Noncurrent loans to loans | 6.0162% | 978 |
| Net loans and leases to total assets | 69.6280% | 3,595 |
| Net loans and leases to deposits | 78.7978% | 4,598 |
| Net loans and leases to core deposits | 98.7060% | 4,520 |
| Total domestic deposits to total assets | 88.3629% | 1,489 |
| Equity capital to assets | 10.9743% | 3,036 |
| Core capital (leverage) ratio | 9.7574% | 3,563 |
| Tier 1 risk-based capital ratio | 14.2360% | 3,416 |
| Total risk-based capital ratio | 15.4887% | 3,363 |
| Memoranda: | ||
| Average total assets | $69,262,750 | 6,065 |
| Average earning assets | $63,621,750 | 6,054 |
| Average equity | $7,707,500 | 6,083 |
| Average total loans | $48,723,250 | 5,767 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7981% | 3,054 |
| Cost of funding earning assets | 0.8597% | 7,742 |
| Net interest margin | 4.9384% | 495 |
| Noninterest income to average assets | 1.6970% | 511 |
| Noninterest expense to average assets | 6.6640% | 252 |
| Loan and lease loss provision to assets | 0.1729% | 5,333 |
| Net operating income to assets | -0.6050% | 6,663 |
| Return on assets (ROA) | -0.6050% | 6,668 |
| Pretax return on assets | -0.6050% | 6,526 |
| Return on Equity (ROE) | -5.4124% | 6,650 |
| Retained earnings to average equity (ytd only) | -5.4124% | 6,357 |
| Net charge-offs to loans | 0.0615% | 5,636 |
| Credit loss provision to net charge-offs | 400.0000% | 1,152 |
| Earnings coverage of net charge-offs (x) | -10.0000% | 6,526 |
| Efficiency ratio | 102.7739% | 1,065 |
| Assets per employee ($millions) | 2.2110% | 7,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2916% | 4,317 |
| Loan loss allowance to noncurrent loans | 23.8293% | 6,914 |
| Noncurrent assets plus other real estate owned to assets | 3.8634% | 1,562 |
| Noncurrent loans to loans | 5.4202% | 1,075 |
| Net loans and leases to total assets | 70.3575% | 3,614 |
| Net loans and leases to deposits | 79.8500% | 4,568 |
| Net loans and leases to core deposits | 100.1267% | 4,497 |
| Total domestic deposits to total assets | 88.1121% | 1,709 |
| Equity capital to assets | 11.1920% | 2,761 |
| Core capital (leverage) ratio | 10.0377% | 3,256 |
| Tier 1 risk-based capital ratio | 14.4742% | 3,266 |
| Total risk-based capital ratio | 15.7260% | 3,208 |
| Memoranda: | ||
| Average total assets | $69,418,000 | 6,097 |
| Average earning assets | $63,745,000 | 6,082 |
| Average equity | $7,760,000 | 6,104 |
| Average total loans | $48,763,670 | 5,815 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7337% | 3,624 |
| Cost of funding earning assets | 0.9276% | 7,779 |
| Net interest margin | 4.8061% | 599 |
| Noninterest income to average assets | 1.5804% | 551 |
| Noninterest expense to average assets | 6.5849% | 231 |
| Loan and lease loss provision to assets | 0.1718% | 4,750 |
| Net operating income to assets | -0.7558% | 7,102 |
| Return on assets (ROA) | -0.7558% | 7,136 |
| Pretax return on assets | -0.7558% | 7,007 |
| Return on Equity (ROE) | -6.7653% | 7,128 |
| Retained earnings to average equity (ytd only) | -6.7653% | 6,769 |
| Net charge-offs to loans | 0.0411% | 4,913 |
| Credit loss provision to net charge-offs | 600.0000% | 938 |
| Earnings coverage of net charge-offs (x) | -20.4000% | 5,665 |
| Efficiency ratio | 105.4389% | 939 |
| Assets per employee ($millions) | 2.4234% | 7,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2548% | 4,380 |
| Loan loss allowance to noncurrent loans | 22.1739% | 7,056 |
| Noncurrent assets plus other real estate owned to assets | 3.9272% | 1,323 |
| Noncurrent loans to loans | 5.6588% | 881 |
| Net loans and leases to total assets | 68.5297% | 4,011 |
| Net loans and leases to deposits | 77.4894% | 5,006 |
| Net loans and leases to core deposits | 95.8868% | 4,980 |
| Total domestic deposits to total assets | 88.4375% | 1,511 |
| Equity capital to assets | 11.0246% | 2,938 |
| Core capital (leverage) ratio | 9.9897% | 3,423 |
| Tier 1 risk-based capital ratio | 14.6170% | 3,247 |
| Total risk-based capital ratio | 15.8667% | 3,181 |
| Memoranda: | ||
| Average total assets | $69,857,000 | 6,120 |
| Average earning assets | $64,251,500 | 6,097 |
| Average equity | $7,804,500 | 6,123 |
| Average total loans | $48,718,500 | 5,853 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2263% | 4,381 |
| Cost of funding earning assets | 1.2056% | 7,939 |
| Net interest margin | 5.0207% | 485 |
| Noninterest income to average assets | 1.6871% | 480 |
| Noninterest expense to average assets | 6.5905% | 323 |
| Loan and lease loss provision to assets | 0.5135% | 2,753 |
| Net operating income to assets | -0.8261% | 7,151 |
| Return on assets (ROA) | -0.8261% | 7,059 |
| Pretax return on assets | -0.8261% | 6,893 |
| Return on Equity (ROE) | -7.2134% | 7,064 |
| Retained earnings to average equity (ytd only) | -7.2134% | 6,804 |
| Net charge-offs to loans | 0.7719% | 1,613 |
| Credit loss provision to net charge-offs | 99.1914% | 5,405 |
| Earnings coverage of net charge-offs (x) | -0.6038% | 6,515 |
| Efficiency ratio | 101.0224% | 942 |
| Assets per employee ($millions) | 2.3145% | 7,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2063% | 4,480 |
| Loan loss allowance to noncurrent loans | 25.7343% | 6,953 |
| Noncurrent assets plus other real estate owned to assets | 3.2851% | 1,376 |
| Noncurrent loans to loans | 4.6873% | 995 |
| Net loans and leases to total assets | 69.2389% | 4,200 |
| Net loans and leases to deposits | 78.6931% | 5,244 |
| Net loans and leases to core deposits | 98.6437% | 4,973 |
| Total domestic deposits to total assets | 87.9859% | 1,477 |
| Equity capital to assets | 11.3214% | 2,779 |
| Core capital (leverage) ratio | 10.1263% | 3,339 |
| Tier 1 risk-based capital ratio | 14.9242% | 3,077 |
| Total risk-based capital ratio | 16.1734% | 2,998 |
| Memoranda: | ||
| Average total assets | $71,663,400 | 5,980 |
| Average earning assets | $65,528,600 | 5,980 |
| Average equity | $8,207,000 | 6,000 |
| Average total loans | $48,063,600 | 5,787 |