Home > Young Americans Bank > Performance and Condition Ratios
Young Americans Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6086% | 4,346 |
| Cost of funding earning assets | 0.0784% | 4,488 |
| Net interest margin | 3.5301% | 2,120 |
| Noninterest income to average assets | 0.0800% | 4,348 |
| Noninterest expense to average assets | 9.5298% | 117 |
| Loan and lease loss provision to assets | -0.0400% | 4,399 |
| Net operating income to assets | -6.0046% | 4,595 |
| Return on assets (ROA) | -6.0046% | 4,593 |
| Pretax return on assets | -6.0046% | 4,593 |
| Return on Equity (ROE) | -73.9300% | 4,577 |
| Retained earnings to average equity (ytd only) | -73.9252% | 4,563 |
| Net charge-offs to loans | 3.3113% | 27 |
| Credit loss provision to net charge-offs | -900.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | -1,278.0000% | 4,610 |
| Efficiency ratio | 273.6413% | 14 |
| Assets per employee ($millions) | 1.3570% | 4,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 26.3158% | 7 |
| Loan loss allowance to noncurrent loans | 125.0000% | 3,055 |
| Noncurrent assets plus other real estate owned to assets | 0.0211% | 3,591 |
| Noncurrent loans to loans | 21.0526% | 3 |
| Net loans and leases to total assets | 0.0700% | 4,472 |
| Net loans and leases to deposits | 0.0812% | 4,472 |
| Net loans and leases to core deposits | 0.0812% | 4,491 |
| Total domestic deposits to total assets | 90.7900% | 561 |
| Equity capital to assets | 8.5167% | 3,043 |
| Core capital (leverage) ratio | 8.0044% | 4,359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 537.0861% | 6 |
| Memoranda: | ||
| Average total assets | $21,133,800 | 4,517 |
| Average earning assets | $20,395,800 | 4,479 |
| Average equity | $1,716,600 | 4,502 |
| Average total loans | $30,200 | 4,476 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3048% | 4,456 |
| Cost of funding earning assets | 0.0700% | 4,519 |
| Net interest margin | 3.2348% | 2,836 |
| Noninterest income to average assets | 0.0700% | 4,402 |
| Noninterest expense to average assets | 9.1009% | 118 |
| Loan and lease loss provision to assets | -0.0500% | 4,475 |
| Net operating income to assets | -5.8519% | 4,620 |
| Return on assets (ROA) | -5.8519% | 4,619 |
| Pretax return on assets | -5.8519% | 4,619 |
| Return on Equity (ROE) | -72.8200% | 4,600 |
| Retained earnings to average equity (ytd only) | -72.8194% | 4,587 |
| Net charge-offs to loans | 4.0403% | 23 |
| Credit loss provision to net charge-offs | -800.0000% | 4,590 |
| Earnings coverage of net charge-offs (x) | -959.0000% | 4,638 |
| Efficiency ratio | 284.4231% | 16 |
| Assets per employee ($millions) | 1.8886% | 4,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 23.0769% | 6 |
| Loan loss allowance to noncurrent loans | 600.0000% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 0.0048% | 3,822 |
| Noncurrent loans to loans | 3.8462% | 83 |
| Net loans and leases to total assets | 0.1000% | 4,498 |
| Net loans and leases to deposits | 0.1056% | 4,498 |
| Net loans and leases to core deposits | 0.1056% | 4,481 |
| Total domestic deposits to total assets | 91.1700% | 630 |
| Equity capital to assets | 8.2551% | 2,883 |
| Core capital (leverage) ratio | 8.0328% | 4,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 432.1608% | 18 |
| Memoranda: | ||
| Average total assets | $21,667,750 | 4,543 |
| Average earning assets | $20,938,500 | 4,502 |
| Average equity | $1,741,250 | 4,528 |
| Average total loans | $33,000 | 4,501 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7432% | 4,591 |
| Cost of funding earning assets | 0.0754% | 4,533 |
| Net interest margin | 2.6678% | 4,013 |
| Noninterest income to average assets | 0.0700% | 4,429 |
| Noninterest expense to average assets | 8.6591% | 124 |
| Loan and lease loss provision to assets | -0.0700% | 4,532 |
| Net operating income to assets | -5.9366% | 4,649 |
| Return on assets (ROA) | -5.9366% | 4,648 |
| Pretax return on assets | -5.9366% | 4,648 |
| Return on Equity (ROE) | -74.5100% | 4,632 |
| Retained earnings to average equity (ytd only) | -74.5143% | 4,615 |
| Net charge-offs to loans | 5.6604% | 14 |
| Credit loss provision to net charge-offs | -800.0000% | 4,611 |
| Earnings coverage of net charge-offs (x) | -660.0000% | 4,667 |
| Efficiency ratio | 326.8041% | 9 |
| Assets per employee ($millions) | 1.8173% | 4,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.6341% | 11 |
| Loan loss allowance to noncurrent loans | 600.0000% | 1,358 |
| Noncurrent assets plus other real estate owned to assets | 0.0046% | 3,832 |
| Noncurrent loans to loans | 2.4390% | 190 |
| Net loans and leases to total assets | 0.1600% | 4,529 |
| Net loans and leases to deposits | 0.1757% | 4,529 |
| Net loans and leases to core deposits | 0.1757% | 4,515 |
| Total domestic deposits to total assets | 91.3500% | 540 |
| Equity capital to assets | 8.0937% | 3,154 |
| Core capital (leverage) ratio | 8.0399% | 4,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 250.8499% | 33 |
| Memoranda: | ||
| Average total assets | $21,965,333 | 4,570 |
| Average earning assets | $21,216,333 | 4,530 |
| Average equity | $1,750,000 | 4,559 |
| Average total loans | $35,333 | 4,532 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3661% | 4,644 |
| Cost of funding earning assets | 0.0751% | 4,561 |
| Net interest margin | 2.2910% | 4,453 |
| Noninterest income to average assets | 0.0700% | 4,475 |
| Noninterest expense to average assets | 8.4919% | 130 |
| Loan and lease loss provision to assets | -0.1500% | 4,603 |
| Net operating income to assets | -6.0605% | 4,673 |
| Return on assets (ROA) | -6.0605% | 4,670 |
| Pretax return on assets | -6.0605% | 4,669 |
| Return on Equity (ROE) | -76.6700% | 4,657 |
| Retained earnings to average equity (ytd only) | -76.6714% | 4,681 |
| Net charge-offs to loans | 12.3077% | 8 |
| Credit loss provision to net charge-offs | -800.0000% | 4,647 |
| Earnings coverage of net charge-offs (x) | -342.0000% | 4,692 |
| Efficiency ratio | 371.4286% | 7 |
| Assets per employee ($millions) | 2.0130% | 4,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 18.1818% | 4 |
| Loan loss allowance to noncurrent loans | 200.0000% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 0.0135% | 3,719 |
| Noncurrent loans to loans | 9.0909% | 16 |
| Net loans and leases to total assets | 0.1200% | 4,602 |
| Net loans and leases to deposits | 0.1330% | 4,602 |
| Net loans and leases to core deposits | 0.1330% | 4,585 |
| Total domestic deposits to total assets | 91.6500% | 609 |
| Equity capital to assets | 7.8264% | 3,365 |
| Core capital (leverage) ratio | 7.8455% | 4,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 240.8587% | 35 |
| Memoranda: | ||
| Average total assets | $22,044,500 | 4,626 |
| Average earning assets | $21,300,500 | 4,592 |
| Average equity | $1,742,500 | 4,626 |
| Average total loans | $32,500 | 4,604 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9955% | 4,687 |
| Cost of funding earning assets | 0.0784% | 4,478 |
| Net interest margin | 0.9172% | 4,681 |
| Noninterest income to average assets | 0.0800% | 4,504 |
| Noninterest expense to average assets | 8.2683% | 130 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | -7.3044% | 4,715 |
| Return on assets (ROA) | -7.3044% | 4,715 |
| Pretax return on assets | -7.3044% | 4,715 |
| Return on Equity (ROE) | -92.2500% | 4,708 |
| Retained earnings to average equity (ytd only) | -92.2493% | 4,724 |
| Net charge-offs to loans | -2.2124% | 4,725 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 857.7982% | 6 |
| Assets per employee ($millions) | 2.4384% | 4,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 46.8750% | 1 |
| Loan loss allowance to noncurrent loans | 500.0000% | 1,599 |
| Noncurrent assets plus other real estate owned to assets | 0.0137% | 3,734 |
| Noncurrent loans to loans | 9.3750% | 14 |
| Net loans and leases to total assets | 0.0800% | 4,633 |
| Net loans and leases to deposits | 0.0849% | 4,633 |
| Net loans and leases to core deposits | 0.0849% | 4,616 |
| Total domestic deposits to total assets | 91.2400% | 862 |
| Equity capital to assets | 7.9832% | 3,068 |
| Core capital (leverage) ratio | 7.8309% | 4,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 269.9387% | 34 |
| Memoranda: | ||
| Average total assets | $22,616,400 | 4,660 |
| Average earning assets | $21,696,800 | 4,626 |
| Average equity | $1,790,800 | 4,688 |
| Average total loans | $45,200 | 4,638 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7268% | 4,724 |
| Cost of funding earning assets | 0.0794% | 4,423 |
| Net interest margin | 0.6474% | 4,726 |
| Noninterest income to average assets | 0.0800% | 4,530 |
| Noninterest expense to average assets | 7.9762% | 134 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | -7.2798% | 4,753 |
| Return on assets (ROA) | -7.2798% | 4,752 |
| Pretax return on assets | -7.2798% | 4,752 |
| Return on Equity (ROE) | -92.1200% | 4,747 |
| Retained earnings to average equity (ytd only) | -92.1203% | 4,764 |
| Net charge-offs to loans | -2.7491% | 4,765 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 1,145.3782% | 5 |
| Assets per employee ($millions) | 2.4872% | 4,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 39.4737% | 1 |
| Loan loss allowance to noncurrent loans | 750.0000% | 1,193 |
| Noncurrent assets plus other real estate owned to assets | 0.0089% | 3,907 |
| Noncurrent loans to loans | 5.2632% | 54 |
| Net loans and leases to total assets | 0.1000% | 4,677 |
| Net loans and leases to deposits | 0.1126% | 4,677 |
| Net loans and leases to core deposits | 0.1126% | 4,660 |
| Total domestic deposits to total assets | 91.2700% | 1,133 |
| Equity capital to assets | 8.1930% | 2,766 |
| Core capital (leverage) ratio | 8.0393% | 4,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 236.1076% | 38 |
| Memoranda: | ||
| Average total assets | $22,784,000 | 4,696 |
| Average earning assets | $21,830,250 | 4,663 |
| Average equity | $1,800,500 | 4,726 |
| Average total loans | $48,500 | 4,680 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4937% | 4,762 |
| Cost of funding earning assets | 0.0823% | 4,357 |
| Net interest margin | 0.4114% | 4,759 |
| Noninterest income to average assets | 0.0698% | 4,585 |
| Noninterest expense to average assets | 7.5926% | 97 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -7.1301% | 4,760 |
| Return on assets (ROA) | -7.1301% | 4,759 |
| Pretax return on assets | -7.1301% | 4,758 |
| Return on Equity (ROE) | -91.3189% | 4,769 |
| Retained earnings to average equity (ytd only) | -91.3189% | 4,768 |
| Net charge-offs to loans | -3.8462% | 4,732 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,641.5094% | 6 |
| Assets per employee ($millions) | 2.2704% | 4,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 30.0000% | 1 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 0.1542% | 4,737 |
| Net loans and leases to deposits | 0.1691% | 4,738 |
| Net loans and leases to core deposits | 0.1691% | 4,728 |
| Total domestic deposits to total assets | 91.1690% | 1,159 |
| Equity capital to assets | 8.3113% | 2,897 |
| Core capital (leverage) ratio | 8.2524% | 4,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 216.3056% | 16 |
| Memoranda: | ||
| Average total assets | $22,917,000 | 4,729 |
| Average earning assets | $21,875,667 | 4,708 |
| Average equity | $1,789,333 | 4,752 |
| Average total loans | $52,000 | 4,740 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3854% | 4,786 |
| Cost of funding earning assets | 0.0918% | 4,241 |
| Net interest margin | 0.2936% | 4,785 |
| Noninterest income to average assets | 0.0695% | 4,605 |
| Noninterest expense to average assets | 7.4533% | 98 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -7.1058% | 4,788 |
| Return on assets (ROA) | -7.1058% | 4,788 |
| Pretax return on assets | -7.1058% | 4,788 |
| Return on Equity (ROE) | -93.9960% | 4,794 |
| Retained earnings to average equity (ytd only) | -93.9960% | 4,790 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 2,145.0000% | 2 |
| Assets per employee ($millions) | 2.3107% | 4,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 26.9231% | 1 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 0.1645% | 4,765 |
| Net loans and leases to deposits | 0.1793% | 4,766 |
| Net loans and leases to core deposits | 0.1793% | 4,756 |
| Total domestic deposits to total assets | 91.7384% | 680 |
| Equity capital to assets | 7.7769% | 3,746 |
| Core capital (leverage) ratio | 7.7194% | 4,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 176.6373% | 18 |
| Memoranda: | ||
| Average total assets | $23,023,500 | 4,751 |
| Average earning assets | $21,797,000 | 4,732 |
| Average equity | $1,740,500 | 4,776 |
| Average total loans | $53,000 | 4,768 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7416% | 4,801 |
| Cost of funding earning assets | 0.0886% | 4,470 |
| Net interest margin | 0.6530% | 4,798 |
| Noninterest income to average assets | 0.1209% | 4,531 |
| Noninterest expense to average assets | 7.9797% | 93 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | -7.2319% | 4,833 |
| Return on assets (ROA) | -7.2319% | 4,833 |
| Pretax return on assets | -7.2319% | 4,833 |
| Return on Equity (ROE) | -98.1166% | 4,838 |
| Retained earnings to average equity (ytd only) | -98.1166% | 4,838 |
| Net charge-offs to loans | -10.3806% | 4,803 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,067.0659% | 5 |
| Assets per employee ($millions) | 1.7646% | 4,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 25.9259% | 1 |
| Loan loss allowance to noncurrent loans | 700.0000% | 1,106 |
| Noncurrent assets plus other real estate owned to assets | 0.0087% | 4,068 |
| Noncurrent loans to loans | 3.7037% | 126 |
| Net loans and leases to total assets | 0.1744% | 4,809 |
| Net loans and leases to deposits | 0.1893% | 4,810 |
| Net loans and leases to core deposits | 0.1893% | 4,799 |
| Total domestic deposits to total assets | 92.1099% | 151 |
| Equity capital to assets | 7.3409% | 4,644 |
| Core capital (leverage) ratio | 7.4239% | 4,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 164.1125% | 17 |
| Memoranda: | ||
| Average total assets | $22,331,600 | 4,792 |
| Average earning assets | $21,439,600 | 4,770 |
| Average equity | $1,646,000 | 4,826 |
| Average total loans | $57,800 | 4,811 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8368% | 4,879 |
| Cost of funding earning assets | 0.0874% | 4,592 |
| Net interest margin | 0.7494% | 4,878 |
| Noninterest income to average assets | 0.0902% | 4,705 |
| Noninterest expense to average assets | 7.9471% | 95 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | -7.1355% | 4,907 |
| Return on assets (ROA) | -7.1355% | 4,907 |
| Pretax return on assets | -7.1355% | 4,906 |
| Return on Equity (ROE) | -96.7080% | 4,913 |
| Retained earnings to average equity (ytd only) | -96.7080% | 4,912 |
| Net charge-offs to loans | -11.3472% | 4,875 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 979.2593% | 7 |
| Assets per employee ($millions) | 1.8870% | 4,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 21.3115% | 2 |
| Loan loss allowance to noncurrent loans | 1,300.0000% | 651 |
| Noncurrent assets plus other real estate owned to assets | 0.0044% | 4,229 |
| Noncurrent loans to loans | 1.6393% | 620 |
| Net loans and leases to total assets | 0.2120% | 4,880 |
| Net loans and leases to deposits | 0.2301% | 4,883 |
| Net loans and leases to core deposits | 0.2301% | 4,872 |
| Total domestic deposits to total assets | 92.1259% | 103 |
| Equity capital to assets | 7.3485% | 4,746 |
| Core capital (leverage) ratio | 7.2771% | 4,758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 160.8863% | 21 |
| Memoranda: | ||
| Average total assets | $22,179,500 | 4,867 |
| Average earning assets | $21,349,750 | 4,844 |
| Average equity | $1,636,500 | 4,899 |
| Average total loans | $58,750 | 4,883 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9813% | 4,912 |
| Cost of funding earning assets | 0.0944% | 4,612 |
| Net interest margin | 0.8869% | 4,912 |
| Noninterest income to average assets | 0.0817% | 4,754 |
| Noninterest expense to average assets | 7.5733% | 100 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -6.6380% | 4,943 |
| Return on assets (ROA) | -6.6380% | 4,942 |
| Pretax return on assets | -6.6380% | 4,942 |
| Return on Equity (ROE) | -89.8402% | 4,949 |
| Retained earnings to average equity (ytd only) | -89.8402% | 4,946 |
| Net charge-offs to loans | -17.2414% | 4,913 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 809.7087% | 5 |
| Assets per employee ($millions) | 1.6088% | 4,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 23.2143% | 2 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 0.1909% | 4,919 |
| Net loans and leases to deposits | 0.2080% | 4,920 |
| Net loans and leases to core deposits | 0.2080% | 4,909 |
| Total domestic deposits to total assets | 91.7684% | 174 |
| Equity capital to assets | 7.6855% | 4,681 |
| Core capital (leverage) ratio | 7.7612% | 4,591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 167.9884% | 17 |
| Memoranda: | ||
| Average total assets | $22,024,667 | 4,902 |
| Average earning assets | $21,196,667 | 4,881 |
| Average equity | $1,627,333 | 4,935 |
| Average total loans | $58,000 | 4,921 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1462% | 4,932 |
| Cost of funding earning assets | 0.0955% | 4,681 |
| Net interest margin | 1.0507% | 4,925 |
| Noninterest income to average assets | 0.0735% | 4,788 |
| Noninterest expense to average assets | 7.5314% | 102 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -6.4476% | 4,970 |
| Return on assets (ROA) | -6.4476% | 4,970 |
| Pretax return on assets | -6.4476% | 4,970 |
| Return on Equity (ROE) | -89.1146% | 4,977 |
| Retained earnings to average equity (ytd only) | -89.1146% | 4,971 |
| Net charge-offs to loans | -33.8983% | 4,940 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 694.9153% | 4 |
| Assets per employee ($millions) | 1.6816% | 4,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 22.4138% | 2 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 0.2058% | 4,947 |
| Net loans and leases to deposits | 0.2243% | 4,948 |
| Net loans and leases to core deposits | 0.2243% | 4,937 |
| Total domestic deposits to total assets | 91.7799% | 190 |
| Equity capital to assets | 7.7169% | 4,626 |
| Core capital (leverage) ratio | 7.7327% | 4,706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 194.5853% | 18 |
| Memoranda: | ||
| Average total assets | $21,775,500 | 4,930 |
| Average earning assets | $20,939,000 | 4,909 |
| Average equity | $1,575,500 | 4,963 |
| Average total loans | $59,000 | 4,947 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0256% | 4,913 |
| Cost of funding earning assets | 0.1082% | 4,846 |
| Net interest margin | 1.9174% | 4,855 |
| Noninterest income to average assets | 0.1133% | 4,698 |
| Noninterest expense to average assets | 8.6206% | 89 |
| Loan and lease loss provision to assets | 0.0614% | 3,603 |
| Net operating income to assets | -6.7275% | 4,996 |
| Return on assets (ROA) | -6.7275% | 4,996 |
| Pretax return on assets | -6.7275% | 4,995 |
| Return on Equity (ROE) | -91.3344% | 4,999 |
| Retained earnings to average equity (ytd only) | -91.3344% | 4,998 |
| Net charge-offs to loans | 27.9851% | 2 |
| Credit loss provision to net charge-offs | 80.0000% | 2,988 |
| Earnings coverage of net charge-offs (x) | -94.1333% | 3,433 |
| Efficiency ratio | 441.0628% | 6 |
| Assets per employee ($millions) | 1.5493% | 4,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.3333% | 5 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 0.2397% | 4,971 |
| Net loans and leases to deposits | 0.2592% | 4,972 |
| Net loans and leases to core deposits | 0.2592% | 4,961 |
| Total domestic deposits to total assets | 92.5081% | 35 |
| Equity capital to assets | 6.7497% | 4,939 |
| Core capital (leverage) ratio | 6.7593% | 4,954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 177.3494% | 17 |
| Memoranda: | ||
| Average total assets | $21,181,800 | 4,946 |
| Average earning assets | $20,339,800 | 4,926 |
| Average equity | $1,560,200 | 4,984 |
| Average total loans | $53,600 | 4,972 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1894% | 4,951 |
| Cost of funding earning assets | 0.1121% | 4,902 |
| Net interest margin | 2.0773% | 4,862 |
| Noninterest income to average assets | 0.0887% | 4,790 |
| Noninterest expense to average assets | 8.2640% | 95 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | -6.1806% | 5,018 |
| Return on assets (ROA) | -6.1806% | 5,018 |
| Pretax return on assets | -6.1806% | 5,019 |
| Return on Equity (ROE) | -82.1399% | 5,030 |
| Retained earnings to average equity (ytd only) | -82.1399% | 5,027 |
| Net charge-offs to loans | 10.2562% | 3 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | -244.0000% | 3,238 |
| Efficiency ratio | 396.6565% | 6 |
| Assets per employee ($millions) | 1.5430% | 4,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.0690% | 11 |
| Loan loss allowance to noncurrent loans | 77.7778% | 3,608 |
| Noncurrent assets plus other real estate owned to assets | 0.0417% | 4,243 |
| Noncurrent loans to loans | 15.5172% | 13 |
| Net loans and leases to total assets | 0.2361% | 5,003 |
| Net loans and leases to deposits | 0.2564% | 5,004 |
| Net loans and leases to core deposits | 0.2564% | 4,993 |
| Total domestic deposits to total assets | 92.0933% | 50 |
| Equity capital to assets | 7.3604% | 4,888 |
| Core capital (leverage) ratio | 7.3288% | 4,912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 198.0025% | 19 |
| Memoranda: | ||
| Average total assets | $21,054,750 | 4,974 |
| Average earning assets | $20,217,750 | 4,955 |
| Average equity | $1,584,250 | 5,014 |
| Average total loans | $52,000 | 5,004 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3660% | 4,986 |
| Cost of funding earning assets | 0.1098% | 4,955 |
| Net interest margin | 2.2562% | 4,854 |
| Noninterest income to average assets | 0.0767% | 4,850 |
| Noninterest expense to average assets | 7.7902% | 95 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -5.5480% | 5,053 |
| Return on assets (ROA) | -5.5480% | 5,053 |
| Pretax return on assets | -5.5480% | 5,053 |
| Return on Equity (ROE) | -73.1831% | 5,062 |
| Retained earnings to average equity (ytd only) | -73.1831% | 5,053 |
| Net charge-offs to loans | 16.0000% | 2 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | -144.7500% | 3,029 |
| Efficiency ratio | 347.4359% | 7 |
| Assets per employee ($millions) | 1.6408% | 5,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 15.2174% | 2 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 0.1828% | 5,036 |
| Net loans and leases to deposits | 0.1998% | 5,037 |
| Net loans and leases to core deposits | 0.1998% | 5,026 |
| Total domestic deposits to total assets | 91.5147% | 83 |
| Equity capital to assets | 7.9134% | 4,763 |
| Core capital (leverage) ratio | 7.9288% | 4,784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 225.6032% | 13 |
| Memoranda: | ||
| Average total assets | $20,872,333 | 5,005 |
| Average earning assets | $20,034,000 | 4,984 |
| Average equity | $1,582,333 | 5,049 |
| Average total loans | $50,000 | 5,037 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5233% | 5,045 |
| Cost of funding earning assets | 0.1211% | 5,013 |
| Net interest margin | 2.4022% | 4,876 |
| Noninterest income to average assets | 0.0969% | 4,837 |
| Noninterest expense to average assets | 8.1577% | 95 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -5.7550% | 5,098 |
| Return on assets (ROA) | -5.7550% | 5,091 |
| Pretax return on assets | -5.7550% | 5,089 |
| Return on Equity (ROE) | -77.6724% | 5,110 |
| Retained earnings to average equity (ytd only) | -77.6724% | 5,102 |
| Net charge-offs to loans | 23.0769% | 1 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | -99.0000% | 2,571 |
| Efficiency ratio | 339.5161% | 10 |
| Assets per employee ($millions) | 1.7293% | 5,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 17.3913% | 2 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 0.1831% | 5,083 |
| Net loans and leases to deposits | 0.1993% | 5,084 |
| Net loans and leases to core deposits | 0.1993% | 5,073 |
| Total domestic deposits to total assets | 91.8799% | 47 |
| Equity capital to assets | 7.5611% | 5,027 |
| Core capital (leverage) ratio | 7.5033% | 5,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 241.5123% | 15 |
| Memoranda: | ||
| Average total assets | $20,643,000 | 5,052 |
| Average earning assets | $19,815,500 | 5,033 |
| Average equity | $1,529,500 | 5,096 |
| Average total loans | $52,000 | 5,084 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5958% | 5,117 |
| Cost of funding earning assets | 0.1022% | 5,104 |
| Net interest margin | 2.4936% | 4,972 |
| Noninterest income to average assets | 0.1567% | 4,705 |
| Noninterest expense to average assets | 8.7480% | 83 |
| Loan and lease loss provision to assets | 0.0245% | 3,530 |
| Net operating income to assets | -6.2255% | 5,169 |
| Return on assets (ROA) | -6.2255% | 5,169 |
| Pretax return on assets | -6.2255% | 5,169 |
| Return on Equity (ROE) | -82.3080% | 5,173 |
| Retained earnings to average equity (ytd only) | -82.3080% | 5,172 |
| Net charge-offs to loans | 3.9474% | 23 |
| Credit loss provision to net charge-offs | 166.6667% | 1,551 |
| Earnings coverage of net charge-offs (x) | -422.0000% | 3,721 |
| Efficiency ratio | 343.4615% | 13 |
| Assets per employee ($millions) | 1.5796% | 5,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 18.9655% | 1 |
| Loan loss allowance to noncurrent loans | 366.6667% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 0.0146% | 4,589 |
| Noncurrent loans to loans | 5.1724% | 96 |
| Net loans and leases to total assets | 0.2289% | 5,146 |
| Net loans and leases to deposits | 0.2487% | 5,147 |
| Net loans and leases to core deposits | 0.2487% | 5,137 |
| Total domestic deposits to total assets | 92.0477% | 35 |
| Equity capital to assets | 7.2559% | 5,121 |
| Core capital (leverage) ratio | 7.2104% | 5,125 |
| Tier 1 risk-based capital ratio | 239.0953% | 24 |
| Total risk-based capital ratio | 240.3877% | 24 |
| Memoranda: | ||
| Average total assets | $20,416,000 | 5,113 |
| Average earning assets | $19,570,000 | 5,093 |
| Average equity | $1,544,200 | 5,158 |
| Average total loans | $76,000 | 5,147 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5861% | 5,208 |
| Cost of funding earning assets | 0.1024% | 5,181 |
| Net interest margin | 2.4838% | 5,069 |
| Noninterest income to average assets | 0.1177% | 4,928 |
| Noninterest expense to average assets | 8.6265% | 90 |
| Loan and lease loss provision to assets | 0.0196% | 3,514 |
| Net operating income to assets | -6.1478% | 5,246 |
| Return on assets (ROA) | -6.1478% | 5,246 |
| Pretax return on assets | -6.1478% | 5,246 |
| Return on Equity (ROE) | -80.4558% | 5,252 |
| Retained earnings to average equity (ytd only) | -80.4558% | 5,250 |
| Net charge-offs to loans | 4.9689% | 14 |
| Credit loss provision to net charge-offs | 100.0000% | 2,246 |
| Earnings coverage of net charge-offs (x) | -312.3250% | 3,451 |
| Efficiency ratio | 345.2880% | 10 |
| Assets per employee ($millions) | 1.4644% | 5,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.3457% | 4 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 0.3463% | 5,224 |
| Net loans and leases to deposits | 0.3751% | 5,225 |
| Net loans and leases to core deposits | 0.3751% | 5,214 |
| Total domestic deposits to total assets | 92.3276% | 25 |
| Equity capital to assets | 7.1847% | 5,206 |
| Core capital (leverage) ratio | 7.0512% | 5,213 |
| Tier 1 risk-based capital ratio | 240.6919% | 21 |
| Total risk-based capital ratio | 242.0099% | 21 |
| Memoranda: | ||
| Average total assets | $20,386,250 | 5,193 |
| Average earning assets | $19,539,750 | 5,172 |
| Average equity | $1,557,750 | 5,235 |
| Average total loans | $80,500 | 5,224 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5221% | 5,269 |
| Cost of funding earning assets | 0.1025% | 5,225 |
| Net interest margin | 2.4196% | 5,158 |
| Noninterest income to average assets | 0.1179% | 4,971 |
| Noninterest expense to average assets | 8.4924% | 85 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -6.0547% | 5,294 |
| Return on assets (ROA) | -6.0547% | 5,294 |
| Pretax return on assets | -6.0547% | 5,294 |
| Return on Equity (ROE) | -77.6797% | 5,295 |
| Retained earnings to average equity (ytd only) | -77.6797% | 5,291 |
| Net charge-offs to loans | -4.9795% | 5,266 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 348.3871% | 7 |
| Assets per employee ($millions) | 1.1471% | 5,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.0952% | 4 |
| Loan loss allowance to noncurrent loans | 1,100.0000% | 551 |
| Noncurrent assets plus other real estate owned to assets | 0.0048% | 4,791 |
| Noncurrent loans to loans | 1.1905% | 1,348 |
| Net loans and leases to total assets | 0.3535% | 5,271 |
| Net loans and leases to deposits | 0.3839% | 5,272 |
| Net loans and leases to core deposits | 0.3839% | 5,261 |
| Total domestic deposits to total assets | 92.0912% | 37 |
| Equity capital to assets | 7.4874% | 5,237 |
| Core capital (leverage) ratio | 7.4926% | 5,232 |
| Tier 1 risk-based capital ratio | 205.2139% | 24 |
| Total risk-based capital ratio | 206.4171% | 24 |
| Memoranda: | ||
| Average total assets | $20,347,670 | 5,241 |
| Average earning assets | $19,507,330 | 5,219 |
| Average equity | $1,586,000 | 5,281 |
| Average total loans | $80,330 | 5,272 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4373% | 5,339 |
| Cost of funding earning assets | 0.0826% | 5,302 |
| Net interest margin | 2.3546% | 5,238 |
| Noninterest income to average assets | 0.0990% | 5,081 |
| Noninterest expense to average assets | 8.4763% | 81 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -6.1196% | 5,355 |
| Return on assets (ROA) | -6.1196% | 5,354 |
| Pretax return on assets | -6.1196% | 5,353 |
| Return on Equity (ROE) | -76.9614% | 5,356 |
| Retained earnings to average equity (ytd only) | -76.9614% | 5,347 |
| Net charge-offs to loans | -15.2866% | 5,326 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 359.6639% | 6 |
| Assets per employee ($millions) | 1.4354% | 5,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.8148% | 2 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 0.3434% | 5,331 |
| Net loans and leases to deposits | 0.3749% | 5,332 |
| Net loans and leases to core deposits | 0.3749% | 5,321 |
| Total domestic deposits to total assets | 91.5754% | 90 |
| Equity capital to assets | 7.9717% | 5,190 |
| Core capital (leverage) ratio | 7.8703% | 5,234 |
| Tier 1 risk-based capital ratio | 213.9785% | 23 |
| Total risk-based capital ratio | 215.1882% | 23 |
| Memoranda: | ||
| Average total assets | $20,197,500 | 5,297 |
| Average earning assets | $19,366,000 | 5,273 |
| Average equity | $1,606,000 | 5,336 |
| Average total loans | $78,500 | 5,332 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8984% | 5,373 |
| Cost of funding earning assets | 0.0944% | 5,297 |
| Net interest margin | 1.8040% | 5,355 |
| Noninterest income to average assets | 0.1408% | 5,007 |
| Noninterest expense to average assets | 8.0105% | 91 |
| Loan and lease loss provision to assets | 0.0151% | 3,847 |
| Net operating income to assets | -6.1550% | 5,401 |
| Return on assets (ROA) | -6.1550% | 5,401 |
| Pretax return on assets | -6.1550% | 5,401 |
| Return on Equity (ROE) | -79.6979% | 5,401 |
| Retained earnings to average equity (ytd only) | -79.6979% | 5,399 |
| Net charge-offs to loans | 4.1580% | 24 |
| Credit loss provision to net charge-offs | 75.0000% | 2,923 |
| Earnings coverage of net charge-offs (x) | -305.2500% | 3,781 |
| Efficiency ratio | 428.2258% | 5 |
| Assets per employee ($millions) | 1.3533% | 5,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.8421% | 5 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 0.3301% | 5,376 |
| Net loans and leases to deposits | 0.3604% | 5,377 |
| Net loans and leases to core deposits | 0.3604% | 5,366 |
| Total domestic deposits to total assets | 91.5710% | 106 |
| Equity capital to assets | 7.9314% | 5,185 |
| Core capital (leverage) ratio | 7.9454% | 5,258 |
| Tier 1 risk-based capital ratio | 226.7705% | 25 |
| Total risk-based capital ratio | 228.0453% | 24 |
| Memoranda: | ||
| Average total assets | $19,886,400 | 5,343 |
| Average earning assets | $19,068,800 | 5,325 |
| Average equity | $1,535,800 | 5,383 |
| Average total loans | $96,200 | 5,377 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7712% | 5,451 |
| Cost of funding earning assets | 0.0914% | 5,367 |
| Net interest margin | 1.6799% | 5,438 |
| Noninterest income to average assets | 0.1078% | 5,184 |
| Noninterest expense to average assets | 7.7303% | 94 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | -6.0117% | 5,470 |
| Return on assets (ROA) | -6.0117% | 5,470 |
| Pretax return on assets | -6.0117% | 5,468 |
| Return on Equity (ROE) | -78.3852% | 5,473 |
| Retained earnings to average equity (ytd only) | -78.3852% | 5,472 |
| Net charge-offs to loans | 3.9506% | 25 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | -297.3250% | 3,488 |
| Efficiency ratio | 449.8039% | 6 |
| Assets per employee ($millions) | 1.4271% | 5,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6452% | 30 |
| Loan loss allowance to noncurrent loans | 14.5833% | 4,905 |
| Noncurrent assets plus other real estate owned to assets | 0.2403% | 3,757 |
| Noncurrent loans to loans | 38.7097% | 1 |
| Net loans and leases to total assets | 0.5856% | 5,448 |
| Net loans and leases to deposits | 0.6413% | 5,449 |
| Net loans and leases to core deposits | 0.6413% | 5,438 |
| Total domestic deposits to total assets | 91.3159% | 165 |
| Equity capital to assets | 8.0835% | 5,145 |
| Core capital (leverage) ratio | 7.9490% | 5,329 |
| Tier 1 risk-based capital ratio | 225.8427% | 23 |
| Total risk-based capital ratio | 226.8258% | 23 |
| Memoranda: | ||
| Average total assets | $19,783,250 | 5,414 |
| Average earning assets | $18,969,250 | 5,396 |
| Average equity | $1,517,250 | 5,454 |
| Average total loans | $101,250 | 5,449 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6522% | 5,521 |
| Cost of funding earning assets | 0.0953% | 5,415 |
| Net interest margin | 1.5569% | 5,509 |
| Noninterest income to average assets | 0.1014% | 5,266 |
| Noninterest expense to average assets | 7.5261% | 101 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -5.9337% | 5,536 |
| Return on assets (ROA) | -5.9337% | 5,535 |
| Pretax return on assets | -5.9337% | 5,535 |
| Return on Equity (ROE) | -78.8054% | 5,541 |
| Retained earnings to average equity (ytd only) | -78.8054% | 5,540 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 472.6115% | 5 |
| Assets per employee ($millions) | 1.1813% | 5,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.1967% | 10 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 0.5577% | 5,511 |
| Net loans and leases to deposits | 0.6090% | 5,512 |
| Net loans and leases to core deposits | 0.6090% | 5,501 |
| Total domestic deposits to total assets | 91.5795% | 138 |
| Equity capital to assets | 7.8379% | 5,287 |
| Core capital (leverage) ratio | 7.8489% | 5,386 |
| Tier 1 risk-based capital ratio | 229.4721% | 23 |
| Total risk-based capital ratio | 230.7918% | 23 |
| Memoranda: | ||
| Average total assets | $19,718,000 | 5,481 |
| Average earning assets | $18,883,670 | 5,463 |
| Average equity | $1,484,670 | 5,517 |
| Average total loans | $93,670 | 5,513 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5213% | 5,592 |
| Cost of funding earning assets | 0.0857% | 5,487 |
| Net interest margin | 1.4356% | 5,586 |
| Noninterest income to average assets | 0.1024% | 5,320 |
| Noninterest expense to average assets | 7.0434% | 112 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -5.5692% | 5,594 |
| Return on assets (ROA) | -5.5692% | 5,592 |
| Pretax return on assets | -5.5692% | 5,592 |
| Return on Equity (ROE) | -75.5556% | 5,600 |
| Retained earnings to average equity (ytd only) | -75.5556% | 5,598 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 477.7778% | 6 |
| Assets per employee ($millions) | 1.5098% | 5,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.6582% | 4 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 0.3515% | 5,576 |
| Net loans and leases to deposits | 0.3831% | 5,577 |
| Net loans and leases to core deposits | 0.3831% | 5,566 |
| Total domestic deposits to total assets | 91.7618% | 136 |
| Equity capital to assets | 7.6320% | 5,386 |
| Core capital (leverage) ratio | 7.5845% | 5,496 |
| Tier 1 risk-based capital ratio | 282.3529% | 20 |
| Total risk-based capital ratio | 283.4915% | 20 |
| Memoranda: | ||
| Average total assets | $19,536,000 | 5,545 |
| Average earning assets | $18,668,000 | 5,526 |
| Average equity | $1,440,000 | 5,580 |
| Average total loans | $79,500 | 5,577 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3601% | 5,635 |
| Cost of funding earning assets | 0.0921% | 5,523 |
| Net interest margin | 1.2679% | 5,631 |
| Noninterest income to average assets | 0.1348% | 5,273 |
| Noninterest expense to average assets | 7.5796% | 100 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -6.2317% | 5,662 |
| Return on assets (ROA) | -6.2317% | 5,662 |
| Pretax return on assets | -6.2317% | 5,662 |
| Return on Equity (ROE) | -85.7102% | 5,664 |
| Retained earnings to average equity (ytd only) | -85.7102% | 5,664 |
| Net charge-offs to loans | -1.5337% | 5,633 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 562.3077% | 2 |
| Assets per employee ($millions) | 1.0802% | 5,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.5000% | 4 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 0.3600% | 5,639 |
| Net loans and leases to deposits | 0.3907% | 5,641 |
| Net loans and leases to core deposits | 0.3907% | 5,630 |
| Total domestic deposits to total assets | 92.1364% | 72 |
| Equity capital to assets | 7.1076% | 5,578 |
| Core capital (leverage) ratio | 7.0152% | 5,604 |
| Tier 1 risk-based capital ratio | 230.6397% | 22 |
| Total risk-based capital ratio | 231.8182% | 22 |
| Memoranda: | ||
| Average total assets | $19,288,600 | 5,610 |
| Average earning assets | $18,455,000 | 5,591 |
| Average equity | $1,402,400 | 5,647 |
| Average total loans | $65,200 | 5,643 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3176% | 5,712 |
| Cost of funding earning assets | 0.0941% | 5,575 |
| Net interest margin | 1.2235% | 5,705 |
| Noninterest income to average assets | 0.1039% | 5,466 |
| Noninterest expense to average assets | 7.0094% | 118 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -5.7350% | 5,726 |
| Return on assets (ROA) | -5.7350% | 5,726 |
| Pretax return on assets | -5.7350% | 5,727 |
| Return on Equity (ROE) | -78.4348% | 5,730 |
| Retained earnings to average equity (ytd only) | -78.4348% | 5,728 |
| Net charge-offs to loans | -2.1626% | 5,698 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 550.0000% | 3 |
| Assets per employee ($millions) | 1.6241% | 5,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.5000% | 3 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 0.3592% | 5,704 |
| Net loans and leases to deposits | 0.3899% | 5,706 |
| Net loans and leases to core deposits | 0.3899% | 5,695 |
| Total domestic deposits to total assets | 92.1238% | 55 |
| Equity capital to assets | 7.4555% | 5,620 |
| Core capital (leverage) ratio | 7.3049% | 5,640 |
| Tier 1 risk-based capital ratio | 249.8264% | 18 |
| Total risk-based capital ratio | 251.0417% | 18 |
| Memoranda: | ||
| Average total assets | $19,249,750 | 5,675 |
| Average earning assets | $18,417,000 | 5,657 |
| Average equity | $1,407,500 | 5,715 |
| Average total loans | $61,500 | 5,708 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2580% | 5,765 |
| Cost of funding earning assets | 0.0875% | 5,639 |
| Net interest margin | 1.1705% | 5,762 |
| Noninterest income to average assets | 0.0939% | 5,542 |
| Noninterest expense to average assets | 7.0318% | 123 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -5.8216% | 5,775 |
| Return on assets (ROA) | -5.8216% | 5,775 |
| Pretax return on assets | -5.8216% | 5,777 |
| Return on Equity (ROE) | -80.1534% | 5,779 |
| Retained earnings to average equity (ytd only) | -80.1534% | 5,773 |
| Net charge-offs to loans | -3.6147% | 5,747 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 581.0345% | 3 |
| Assets per employee ($millions) | 1.5125% | 5,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 16.3934% | 1 |
| Loan loss allowance to noncurrent loans | 1,000.0000% | 582 |
| Noncurrent assets plus other real estate owned to assets | 0.0051% | 5,285 |
| Noncurrent loans to loans | 1.6393% | 1,122 |
| Net loans and leases to total assets | 0.2594% | 5,754 |
| Net loans and leases to deposits | 0.2808% | 5,755 |
| Net loans and leases to core deposits | 0.2808% | 5,745 |
| Total domestic deposits to total assets | 92.3711% | 46 |
| Equity capital to assets | 7.2170% | 5,691 |
| Core capital (leverage) ratio | 7.1904% | 5,695 |
| Tier 1 risk-based capital ratio | 191.5416% | 23 |
| Total risk-based capital ratio | 192.7694% | 23 |
| Memoranda: | ||
| Average total assets | $19,170,000 | 5,723 |
| Average earning assets | $18,283,330 | 5,706 |
| Average equity | $1,392,330 | 5,767 |
| Average total loans | $55,330 | 5,757 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2253% | 5,832 |
| Cost of funding earning assets | 0.0891% | 5,691 |
| Net interest margin | 1.1362% | 5,827 |
| Noninterest income to average assets | 0.0634% | 5,693 |
| Noninterest expense to average assets | 7.0810% | 127 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -5.9395% | 5,850 |
| Return on assets (ROA) | -5.9395% | 5,850 |
| Pretax return on assets | -5.9395% | 5,849 |
| Return on Equity (ROE) | -81.5083% | 5,850 |
| Retained earnings to average equity (ytd only) | -81.5083% | 5,838 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 620.3704% | 4 |
| Assets per employee ($millions) | 1.4828% | 5,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 18.0000% | 1 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 0.2127% | 5,824 |
| Net loans and leases to deposits | 0.2303% | 5,823 |
| Net loans and leases to core deposits | 0.2303% | 5,812 |
| Total domestic deposits to total assets | 92.3584% | 74 |
| Equity capital to assets | 7.2162% | 5,729 |
| Core capital (leverage) ratio | 7.3891% | 5,724 |
| Tier 1 risk-based capital ratio | 190.3181% | 26 |
| Total risk-based capital ratio | 191.5629% | 25 |
| Memoranda: | ||
| Average total assets | $18,924,000 | 5,793 |
| Average earning assets | $17,955,000 | 5,774 |
| Average equity | $1,379,000 | 5,831 |
| Average total loans | $52,500 | 5,824 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1198% | 5,879 |
| Cost of funding earning assets | 0.0976% | 5,716 |
| Net interest margin | 1.0222% | 5,880 |
| Noninterest income to average assets | 0.1279% | 5,546 |
| Noninterest expense to average assets | 7.4994% | 116 |
| Loan and lease loss provision to assets | 0.0056% | 4,245 |
| Net operating income to assets | -6.3875% | 5,908 |
| Return on assets (ROA) | -6.3875% | 5,908 |
| Pretax return on assets | -6.3875% | 5,908 |
| Return on Equity (ROE) | -86.6908% | 5,910 |
| Retained earnings to average equity (ytd only) | -86.6908% | 5,910 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 671.1443% | 3 |
| Assets per employee ($millions) | 1.1608% | 5,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 16.3636% | 1 |
| Loan loss allowance to noncurrent loans | 450.0000% | 1,150 |
| Noncurrent assets plus other real estate owned to assets | 0.0108% | 5,362 |
| Noncurrent loans to loans | 3.6364% | 320 |
| Net loans and leases to total assets | 0.2477% | 5,880 |
| Net loans and leases to deposits | 0.2691% | 5,881 |
| Net loans and leases to core deposits | 0.2691% | 5,870 |
| Total domestic deposits to total assets | 92.0472% | 95 |
| Equity capital to assets | 7.3605% | 5,744 |
| Core capital (leverage) ratio | 7.3291% | 5,773 |
| Tier 1 risk-based capital ratio | 227.9933% | 23 |
| Total risk-based capital ratio | 229.1737% | 23 |
| Memoranda: | ||
| Average total assets | $17,988,200 | 5,857 |
| Average earning assets | $17,413,200 | 5,835 |
| Average equity | $1,325,400 | 5,894 |
| Average total loans | $61,800 | 5,882 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0959% | 5,949 |
| Cost of funding earning assets | 0.0996% | 5,773 |
| Net interest margin | 0.9963% | 5,948 |
| Noninterest income to average assets | 0.1046% | 5,693 |
| Noninterest expense to average assets | 7.4727% | 119 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -6.3966% | 5,978 |
| Return on assets (ROA) | -6.3966% | 5,978 |
| Pretax return on assets | -6.3966% | 5,978 |
| Return on Equity (ROE) | -86.7909% | 5,979 |
| Retained earnings to average equity (ytd only) | -86.7909% | 5,977 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 694.4444% | 3 |
| Assets per employee ($millions) | 1.3071% | 5,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.1148% | 2 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 0.2896% | 5,947 |
| Net loans and leases to deposits | 0.3144% | 5,948 |
| Net loans and leases to core deposits | 0.3144% | 5,937 |
| Total domestic deposits to total assets | 92.1093% | 68 |
| Equity capital to assets | 7.4426% | 5,847 |
| Core capital (leverage) ratio | 7.2790% | 5,854 |
| Tier 1 risk-based capital ratio | 221.8543% | 23 |
| Total risk-based capital ratio | 223.1788% | 23 |
| Memoranda: | ||
| Average total assets | $17,842,250 | 5,924 |
| Average earning assets | $17,397,750 | 5,899 |
| Average equity | $1,315,000 | 5,960 |
| Average total loans | $63,500 | 5,949 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0658% | 6,030 |
| Cost of funding earning assets | 0.0927% | 5,881 |
| Net interest margin | 0.9731% | 6,029 |
| Noninterest income to average assets | 0.1018% | 5,771 |
| Noninterest expense to average assets | 7.3602% | 127 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -6.3088% | 6,056 |
| Return on assets (ROA) | -6.3088% | 6,056 |
| Pretax return on assets | -6.3088% | 6,056 |
| Return on Equity (ROE) | -85.8904% | 6,054 |
| Retained earnings to average equity (ytd only) | -85.8904% | 6,051 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 700.0000% | 4 |
| Assets per employee ($millions) | 1.2053% | 6,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.3077% | 2 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 0.3153% | 6,026 |
| Net loans and leases to deposits | 0.3422% | 6,027 |
| Net loans and leases to core deposits | 0.3422% | 6,017 |
| Total domestic deposits to total assets | 92.1290% | 73 |
| Equity capital to assets | 7.4340% | 5,925 |
| Core capital (leverage) ratio | 7.3512% | 5,907 |
| Tier 1 risk-based capital ratio | 309.8361% | 15 |
| Total risk-based capital ratio | 311.0070% | 15 |
| Memoranda: | ||
| Average total assets | $17,689,670 | 5,999 |
| Average earning assets | $17,264,000 | 5,975 |
| Average equity | $1,299,330 | 6,037 |
| Average total loans | $64,330 | 6,027 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0602% | 6,097 |
| Cost of funding earning assets | 0.0942% | 5,936 |
| Net interest margin | 0.9659% | 6,095 |
| Noninterest income to average assets | 0.0686% | 5,911 |
| Noninterest expense to average assets | 7.2249% | 134 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -6.2189% | 6,115 |
| Return on assets (ROA) | -6.2189% | 6,115 |
| Pretax return on assets | -6.2189% | 6,114 |
| Return on Equity (ROE) | -85.1997% | 6,115 |
| Retained earnings to average equity (ytd only) | -85.1997% | 6,103 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 718.1818% | 3 |
| Assets per employee ($millions) | 1.6033% | 6,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.9403% | 2 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 0.3345% | 6,087 |
| Net loans and leases to deposits | 0.3629% | 6,088 |
| Net loans and leases to core deposits | 0.3629% | 6,078 |
| Total domestic deposits to total assets | 92.1978% | 92 |
| Equity capital to assets | 7.3429% | 5,973 |
| Core capital (leverage) ratio | 7.2300% | 5,968 |
| Tier 1 risk-based capital ratio | 338.8298% | 15 |
| Total risk-based capital ratio | 340.1596% | 15 |
| Memoranda: | ||
| Average total assets | $17,495,000 | 6,064 |
| Average earning assets | $16,978,500 | 6,038 |
| Average equity | $1,277,000 | 6,101 |
| Average total loans | $64,000 | 6,089 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0397% | 6,144 |
| Cost of funding earning assets | 0.1027% | 5,951 |
| Net interest margin | 0.9370% | 6,143 |
| Noninterest income to average assets | 0.1379% | 5,722 |
| Noninterest expense to average assets | 7.5520% | 121 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -6.5390% | 6,180 |
| Return on assets (ROA) | -6.5390% | 6,180 |
| Pretax return on assets | -6.5390% | 6,180 |
| Return on Equity (ROE) | -91.9434% | 6,180 |
| Retained earnings to average equity (ytd only) | -91.9434% | 6,178 |
| Net charge-offs to loans | 1.8382% | 73 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | -1,091.0000% | 4,460 |
| Efficiency ratio | 745.5621% | 3 |
| Assets per employee ($millions) | 1.3349% | 6,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.1148% | 1 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 0.3054% | 6,147 |
| Net loans and leases to deposits | 0.3314% | 6,148 |
| Net loans and leases to core deposits | 0.3314% | 6,136 |
| Total domestic deposits to total assets | 92.1690% | 96 |
| Equity capital to assets | 7.2548% | 6,015 |
| Core capital (leverage) ratio | 7.2832% | 6,017 |
| Tier 1 risk-based capital ratio | 327.7045% | 15 |
| Total risk-based capital ratio | 329.0237% | 15 |
| Memoranda: | ||
| Average total assets | $16,684,400 | 6,133 |
| Average earning assets | $15,581,600 | 6,117 |
| Average equity | $1,186,600 | 6,167 |
| Average total loans | $54,400 | 6,149 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0482% | 6,238 |
| Cost of funding earning assets | 0.1048% | 6,042 |
| Net interest margin | 0.9433% | 6,237 |
| Noninterest income to average assets | 0.1049% | 5,943 |
| Noninterest expense to average assets | 7.3942% | 135 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -6.4174% | 6,265 |
| Return on assets (ROA) | -6.4174% | 6,265 |
| Pretax return on assets | -6.4174% | 6,265 |
| Return on Equity (ROE) | -90.7120% | 6,264 |
| Retained earnings to average equity (ytd only) | -90.7120% | 6,264 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 757.0248% | 5 |
| Assets per employee ($millions) | 1.8984% | 6,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.0625% | 1 |
| Loan loss allowance to noncurrent loans | 900.0000% | 636 |
| Noncurrent assets plus other real estate owned to assets | 0.0059% | 5,785 |
| Noncurrent loans to loans | 1.5625% | 1,599 |
| Net loans and leases to total assets | 0.3219% | 6,232 |
| Net loans and leases to deposits | 0.3486% | 6,233 |
| Net loans and leases to core deposits | 0.3486% | 6,221 |
| Total domestic deposits to total assets | 92.3446% | 73 |
| Equity capital to assets | 7.2457% | 6,111 |
| Core capital (leverage) ratio | 7.1736% | 6,107 |
| Tier 1 risk-based capital ratio | 308.8832% | 18 |
| Total risk-based capital ratio | 310.1523% | 18 |
| Memoranda: | ||
| Average total assets | $16,517,000 | 6,219 |
| Average earning assets | $15,264,750 | 6,205 |
| Average equity | $1,168,500 | 6,254 |
| Average total loans | $52,750 | 6,235 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0655% | 6,316 |
| Cost of funding earning assets | 0.1079% | 6,100 |
| Net interest margin | 0.9576% | 6,313 |
| Noninterest income to average assets | 0.1102% | 5,990 |
| Noninterest expense to average assets | 7.0802% | 144 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -6.1002% | 6,342 |
| Return on assets (ROA) | -6.1002% | 6,343 |
| Pretax return on assets | -6.1002% | 6,343 |
| Return on Equity (ROE) | -86.9618% | 6,340 |
| Retained earnings to average equity (ytd only) | -86.9618% | 6,339 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 722.5000% | 4 |
| Assets per employee ($millions) | 1.1095% | 6,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 18.0000% | 1 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 0.2463% | 6,310 |
| Net loans and leases to deposits | 0.2668% | 6,311 |
| Net loans and leases to core deposits | 0.2668% | 6,298 |
| Total domestic deposits to total assets | 92.3391% | 97 |
| Equity capital to assets | 7.2523% | 6,155 |
| Core capital (leverage) ratio | 7.1861% | 6,157 |
| Tier 1 risk-based capital ratio | 430.4348% | 11 |
| Total risk-based capital ratio | 431.8841% | 10 |
| Memoranda: | ||
| Average total assets | $16,327,330 | 6,296 |
| Average earning assets | $14,828,330 | 6,280 |
| Average equity | $1,145,330 | 6,330 |
| Average total loans | $49,000 | 6,311 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0861% | 6,389 |
| Cost of funding earning assets | 0.1086% | 6,169 |
| Net interest margin | 0.9775% | 6,387 |
| Noninterest income to average assets | 0.0990% | 6,088 |
| Noninterest expense to average assets | 6.7782% | 154 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -5.7887% | 6,407 |
| Return on assets (ROA) | -5.7887% | 6,407 |
| Pretax return on assets | -5.7887% | 6,407 |
| Return on Equity (ROE) | -83.9838% | 6,407 |
| Retained earnings to average equity (ytd only) | -83.9838% | 6,402 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 685.0000% | 4 |
| Assets per employee ($millions) | 1.6390% | 6,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 17.6471% | 2 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 0.2563% | 6,382 |
| Net loans and leases to deposits | 0.2769% | 6,383 |
| Net loans and leases to core deposits | 0.2769% | 6,370 |
| Total domestic deposits to total assets | 92.5320% | 89 |
| Equity capital to assets | 7.0470% | 6,253 |
| Core capital (leverage) ratio | 6.9891% | 6,239 |
| Tier 1 risk-based capital ratio | 265.3396% | 20 |
| Total risk-based capital ratio | 266.5105% | 20 |
| Memoranda: | ||
| Average total assets | $16,169,500 | 6,368 |
| Average earning assets | $14,731,000 | 6,349 |
| Average equity | $1,114,500 | 6,403 |
| Average total loans | $48,500 | 6,382 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1552% | 6,466 |
| Cost of funding earning assets | 0.1113% | 6,295 |
| Net interest margin | 1.0438% | 6,462 |
| Noninterest income to average assets | 0.1788% | 5,784 |
| Noninterest expense to average assets | 7.8242% | 111 |
| Loan and lease loss provision to assets | 0.0319% | 3,960 |
| Net operating income to assets | -6.7192% | 6,501 |
| Return on assets (ROA) | -6.7192% | 6,502 |
| Pretax return on assets | -6.7192% | 6,503 |
| Return on Equity (ROE) | -99.0770% | 6,502 |
| Retained earnings to average equity (ytd only) | -99.0770% | 6,502 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 688.2022% | 2 |
| Assets per employee ($millions) | 1.4499% | 6,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 19.5652% | 1 |
| Loan loss allowance to noncurrent loans | 450.0000% | 1,160 |
| Noncurrent assets plus other real estate owned to assets | 0.0125% | 6,013 |
| Noncurrent loans to loans | 4.3478% | 391 |
| Net loans and leases to total assets | 0.2320% | 6,472 |
| Net loans and leases to deposits | 0.2503% | 6,473 |
| Net loans and leases to core deposits | 0.2503% | 6,460 |
| Total domestic deposits to total assets | 92.6892% | 85 |
| Equity capital to assets | 6.7340% | 6,359 |
| Core capital (leverage) ratio | 6.6515% | 6,351 |
| Tier 1 risk-based capital ratio | 374.3772% | 14 |
| Total risk-based capital ratio | 375.8007% | 14 |
| Memoranda: | ||
| Average total assets | $15,656,600 | 6,460 |
| Average earning assets | $14,370,200 | 6,443 |
| Average equity | $1,061,800 | 6,496 |
| Average total loans | $41,200 | 6,473 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1619% | 6,554 |
| Cost of funding earning assets | 0.1115% | 6,372 |
| Net interest margin | 1.0503% | 6,549 |
| Noninterest income to average assets | 0.1540% | 5,993 |
| Noninterest expense to average assets | 7.5548% | 118 |
| Loan and lease loss provision to assets | 0.0257% | 3,896 |
| Net operating income to assets | -6.4597% | 6,584 |
| Return on assets (ROA) | -6.4597% | 6,584 |
| Pretax return on assets | -6.4597% | 6,584 |
| Return on Equity (ROE) | -95.0782% | 6,579 |
| Retained earnings to average equity (ytd only) | -95.0782% | 6,579 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 674.0458% | 2 |
| Assets per employee ($millions) | 1.4303% | 6,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.8936% | 2 |
| Loan loss allowance to noncurrent loans | 700.0000% | 755 |
| Noncurrent assets plus other real estate owned to assets | 0.0064% | 6,176 |
| Noncurrent loans to loans | 2.1277% | 1,462 |
| Net loans and leases to total assets | 0.2542% | 6,552 |
| Net loans and leases to deposits | 0.2729% | 6,553 |
| Net loans and leases to core deposits | 0.2729% | 6,540 |
| Total domestic deposits to total assets | 93.1482% | 70 |
| Equity capital to assets | 6.4959% | 6,446 |
| Core capital (leverage) ratio | 6.2696% | 6,458 |
| Tier 1 risk-based capital ratio | 364.5985% | 14 |
| Total risk-based capital ratio | 365.6934% | 14 |
| Memoranda: | ||
| Average total assets | $15,583,500 | 6,540 |
| Average earning assets | $14,344,000 | 6,524 |
| Average equity | $1,058,750 | 6,573 |
| Average total loans | $40,000 | 6,553 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1481% | 6,618 |
| Cost of funding earning assets | 0.1120% | 6,440 |
| Net interest margin | 1.0361% | 6,612 |
| Noninterest income to average assets | 0.1545% | 6,020 |
| Noninterest expense to average assets | 7.0299% | 135 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -5.9226% | 6,649 |
| Return on assets (ROA) | -5.9226% | 6,649 |
| Pretax return on assets | -5.9226% | 6,649 |
| Return on Equity (ROE) | -85.9010% | 6,645 |
| Retained earnings to average equity (ytd only) | -85.9010% | 6,642 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 634.8837% | 2 |
| Assets per employee ($millions) | 1.2100% | 6,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.1633% | 17 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 0.2861% | 6,619 |
| Net loans and leases to deposits | 0.3085% | 6,620 |
| Net loans and leases to core deposits | 0.3085% | 6,607 |
| Total domestic deposits to total assets | 92.7463% | 101 |
| Equity capital to assets | 6.8277% | 6,467 |
| Core capital (leverage) ratio | 6.6935% | 6,476 |
| Tier 1 risk-based capital ratio | 299.7143% | 17 |
| Total risk-based capital ratio | 300.8571% | 17 |
| Memoranda: | ||
| Average total assets | $15,533,670 | 6,606 |
| Average earning assets | $14,284,000 | 6,592 |
| Average equity | $1,071,000 | 6,639 |
| Average total loans | $37,670 | 6,621 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1294% | 6,697 |
| Cost of funding earning assets | 0.1129% | 6,519 |
| Net interest margin | 1.0164% | 6,691 |
| Noninterest income to average assets | 0.1296% | 6,203 |
| Noninterest expense to average assets | 6.7377% | 151 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -5.6752% | 6,716 |
| Return on assets (ROA) | -5.6752% | 6,715 |
| Pretax return on assets | -5.6752% | 6,713 |
| Return on Equity (ROE) | -81.9074% | 6,714 |
| Retained earnings to average equity (ytd only) | -81.9074% | 6,707 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 634.1463% | 2 |
| Assets per employee ($millions) | 1.9531% | 6,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.8108% | 5 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 0.2112% | 6,689 |
| Net loans and leases to deposits | 0.2279% | 6,690 |
| Net loans and leases to core deposits | 0.2279% | 6,677 |
| Total domestic deposits to total assets | 92.6720% | 152 |
| Equity capital to assets | 6.9440% | 6,464 |
| Core capital (leverage) ratio | 6.9741% | 6,474 |
| Tier 1 risk-based capital ratio | 325.1534% | 18 |
| Total risk-based capital ratio | 326.3804% | 18 |
| Memoranda: | ||
| Average total assets | $15,435,500 | 6,680 |
| Average earning assets | $14,167,000 | 6,667 |
| Average equity | $1,069,500 | 6,705 |
| Average total loans | $32,000 | 6,691 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3087% | 6,759 |
| Cost of funding earning assets | 0.1216% | 6,632 |
| Net interest margin | 1.1872% | 6,751 |
| Noninterest income to average assets | 0.1990% | 5,894 |
| Noninterest expense to average assets | 8.2499% | 113 |
| Loan and lease loss provision to assets | 0.0066% | 4,990 |
| Net operating income to assets | -6.9567% | 6,804 |
| Return on assets (ROA) | -6.9567% | 6,804 |
| Pretax return on assets | -6.9567% | 6,805 |
| Return on Equity (ROE) | -95.4852% | 6,802 |
| Retained earnings to average equity (ytd only) | -95.4852% | 6,802 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 634.6939% | 5 |
| Assets per employee ($millions) | 2.1780% | 6,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.8148% | 3 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 0.1509% | 6,770 |
| Net loans and leases to deposits | 0.1634% | 6,771 |
| Net loans and leases to core deposits | 0.1634% | 6,759 |
| Total domestic deposits to total assets | 92.2996% | 235 |
| Equity capital to assets | 6.9133% | 6,479 |
| Core capital (leverage) ratio | 6.7934% | 6,562 |
| Tier 1 risk-based capital ratio | 313.7195% | 20 |
| Total risk-based capital ratio | 314.9390% | 20 |
| Memoranda: | ||
| Average total assets | $15,079,000 | 6,762 |
| Average earning assets | $13,983,000 | 6,750 |
| Average equity | $1,098,600 | 6,791 |
| Average total loans | $25,200 | 6,778 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3236% | 6,843 |
| Cost of funding earning assets | 0.1238% | 6,717 |
| Net interest margin | 1.1999% | 6,835 |
| Noninterest income to average assets | 0.1774% | 6,130 |
| Noninterest expense to average assets | 8.1130% | 115 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -6.8185% | 6,886 |
| Return on assets (ROA) | -6.8185% | 6,885 |
| Pretax return on assets | -6.8185% | 6,885 |
| Return on Equity (ROE) | -92.3911% | 6,883 |
| Retained earnings to average equity (ytd only) | -92.3911% | 6,883 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 626.7123% | 4 |
| Assets per employee ($millions) | 2.1383% | 6,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.0000% | 10 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 0.1804% | 6,851 |
| Net loans and leases to deposits | 0.1948% | 6,851 |
| Net loans and leases to core deposits | 0.1948% | 6,839 |
| Total domestic deposits to total assets | 92.6176% | 161 |
| Equity capital to assets | 7.0751% | 6,527 |
| Core capital (leverage) ratio | 6.7327% | 6,636 |
| Tier 1 risk-based capital ratio | 312.8049% | 18 |
| Total risk-based capital ratio | 313.7195% | 18 |
| Memoranda: | ||
| Average total assets | $15,037,250 | 6,841 |
| Average earning assets | $14,001,750 | 6,826 |
| Average equity | $1,109,750 | 6,870 |
| Average total loans | $24,750 | 6,856 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3141% | 6,897 |
| Cost of funding earning assets | 0.1286% | 6,757 |
| Net interest margin | 1.1856% | 6,886 |
| Noninterest income to average assets | 0.1859% | 6,096 |
| Noninterest expense to average assets | 8.0476% | 119 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -6.7595% | 6,930 |
| Return on assets (ROA) | -6.7595% | 6,930 |
| Pretax return on assets | -6.7595% | 6,932 |
| Return on Equity (ROE) | -90.3548% | 6,929 |
| Retained earnings to average equity (ytd only) | -90.3548% | 6,926 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 624.7423% | 3 |
| Assets per employee ($millions) | 1.5183% | 6,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.7143% | 8 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 0.1647% | 6,900 |
| Net loans and leases to deposits | 0.1779% | 6,901 |
| Net loans and leases to core deposits | 0.1779% | 6,889 |
| Total domestic deposits to total assets | 92.5706% | 173 |
| Equity capital to assets | 7.1264% | 6,569 |
| Core capital (leverage) ratio | 6.8303% | 6,651 |
| Tier 1 risk-based capital ratio | 334.7267% | 15 |
| Total risk-based capital ratio | 335.6913% | 15 |
| Memoranda: | ||
| Average total assets | $15,060,330 | 6,890 |
| Average earning assets | $14,001,670 | 6,875 |
| Average equity | $1,126,670 | 6,916 |
| Average total loans | $23,000 | 6,904 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2916% | 6,979 |
| Cost of funding earning assets | 0.1148% | 6,877 |
| Net interest margin | 1.1768% | 6,967 |
| Noninterest income to average assets | 0.1600% | 6,307 |
| Noninterest expense to average assets | 8.2405% | 118 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -6.9871% | 7,005 |
| Return on assets (ROA) | -6.9871% | 7,006 |
| Pretax return on assets | -6.9871% | 7,005 |
| Return on Equity (ROE) | -91.2097% | 7,002 |
| Retained earnings to average equity (ytd only) | -91.2097% | 7,000 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 657.4468% | 7 |
| Assets per employee ($millions) | 1.8805% | 6,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.0435% | 4 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 0.1329% | 6,978 |
| Net loans and leases to deposits | 0.1440% | 6,979 |
| Net loans and leases to core deposits | 0.1440% | 6,966 |
| Total domestic deposits to total assets | 92.3225% | 198 |
| Equity capital to assets | 7.3318% | 6,640 |
| Core capital (leverage) ratio | 6.9271% | 6,662 |
| Tier 1 risk-based capital ratio | 288.7052% | 18 |
| Total risk-based capital ratio | 289.5317% | 18 |
| Memoranda: | ||
| Average total assets | $14,999,000 | 6,966 |
| Average earning assets | $13,936,000 | 6,949 |
| Average equity | $1,149,000 | 6,983 |
| Average total loans | $20,500 | 6,982 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3747% | 7,031 |
| Cost of funding earning assets | 0.1389% | 6,944 |
| Net interest margin | 1.2359% | 7,016 |
| Noninterest income to average assets | 0.1998% | 5,990 |
| Noninterest expense to average assets | 7.8863% | 115 |
| Loan and lease loss provision to assets | -0.0133% | 6,828 |
| Net operating income to assets | -6.4875% | 7,071 |
| Return on assets (ROA) | -6.4875% | 7,071 |
| Pretax return on assets | -6.4875% | 7,072 |
| Return on Equity (ROE) | -86.7783% | 7,060 |
| Retained earnings to average equity (ytd only) | -86.7783% | 7,060 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 569.2308% | 7 |
| Assets per employee ($millions) | 1.6616% | 6,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 16.6667% | 2 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 0.1003% | 7,043 |
| Net loans and leases to deposits | 0.1101% | 7,044 |
| Net loans and leases to core deposits | 0.1101% | 7,032 |
| Total domestic deposits to total assets | 91.1261% | 450 |
| Equity capital to assets | 7.9912% | 6,413 |
| Core capital (leverage) ratio | 7.5370% | 6,483 |
| Tier 1 risk-based capital ratio | 221.2476% | 30 |
| Total risk-based capital ratio | 221.8324% | 30 |
| Memoranda: | ||
| Average total assets | $15,013,400 | 7,028 |
| Average earning assets | $14,402,800 | 7,005 |
| Average equity | $1,122,400 | 7,054 |
| Average total loans | $25,600 | 7,050 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3777% | 7,141 |
| Cost of funding earning assets | 0.1378% | 7,062 |
| Net interest margin | 1.2400% | 7,127 |
| Noninterest income to average assets | 0.1775% | 6,245 |
| Noninterest expense to average assets | 7.3992% | 126 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -6.0241% | 7,169 |
| Return on assets (ROA) | -6.0241% | 7,170 |
| Pretax return on assets | -6.0241% | 7,171 |
| Return on Equity (ROE) | -81.9842% | 7,154 |
| Retained earnings to average equity (ytd only) | -81.9842% | 7,152 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 538.0645% | 6 |
| Assets per employee ($millions) | 1.6754% | 7,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 22.7273% | 3 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 0.1127% | 7,143 |
| Net loans and leases to deposits | 0.1216% | 7,145 |
| Net loans and leases to core deposits | 0.1216% | 7,133 |
| Total domestic deposits to total assets | 92.6918% | 137 |
| Equity capital to assets | 7.0296% | 6,875 |
| Core capital (leverage) ratio | 6.5452% | 6,876 |
| Tier 1 risk-based capital ratio | 246.8983% | 25 |
| Total risk-based capital ratio | 248.1390% | 24 |
| Memoranda: | ||
| Average total assets | $15,028,250 | 7,121 |
| Average earning assets | $14,516,500 | 7,093 |
| Average equity | $1,104,250 | 7,154 |
| Average total loans | $27,500 | 7,147 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4088% | 7,209 |
| Cost of funding earning assets | 0.1519% | 7,115 |
| Net interest margin | 1.2569% | 7,191 |
| Noninterest income to average assets | 0.1732% | 6,311 |
| Noninterest expense to average assets | 7.0347% | 144 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -5.6491% | 7,217 |
| Return on assets (ROA) | -5.6491% | 7,218 |
| Pretax return on assets | -5.6491% | 7,217 |
| Return on Equity (ROE) | -75.7819% | 7,194 |
| Retained earnings to average equity (ytd only) | -75.7819% | 7,189 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 507.6923% | 7 |
| Assets per employee ($millions) | 1.5051% | 7,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 20.0000% | 2 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 0.1329% | 7,206 |
| Net loans and leases to deposits | 0.1439% | 7,208 |
| Net loans and leases to core deposits | 0.1439% | 7,196 |
| Total domestic deposits to total assets | 92.3726% | 177 |
| Equity capital to assets | 7.3018% | 6,844 |
| Core capital (leverage) ratio | 6.7942% | 6,867 |
| Tier 1 risk-based capital ratio | 161.9497% | 32 |
| Total risk-based capital ratio | 162.7358% | 32 |
| Memoranda: | ||
| Average total assets | $15,011,330 | 7,183 |
| Average earning assets | $14,480,330 | 7,153 |
| Average equity | $1,119,000 | 7,208 |
| Average total loans | $29,330 | 7,208 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3581% | 7,274 |
| Cost of funding earning assets | 0.1386% | 7,208 |
| Net interest margin | 1.2195% | 7,261 |
| Noninterest income to average assets | 0.1601% | 6,425 |
| Noninterest expense to average assets | 6.6171% | 162 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -5.2830% | 7,274 |
| Return on assets (ROA) | -5.2830% | 7,276 |
| Pretax return on assets | -5.2830% | 7,276 |
| Return on Equity (ROE) | -70.1506% | 7,253 |
| Retained earnings to average equity (ytd only) | -70.1506% | 7,246 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 496.0000% | 7 |
| Assets per employee ($millions) | 1.8959% | 7,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 15.6250% | 3 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 0.1780% | 7,268 |
| Net loans and leases to deposits | 0.1930% | 7,270 |
| Net loans and leases to core deposits | 0.1930% | 7,257 |
| Total domestic deposits to total assets | 92.2463% | 220 |
| Equity capital to assets | 7.4108% | 6,816 |
| Core capital (leverage) ratio | 6.9239% | 6,871 |
| Tier 1 risk-based capital ratio | 111.2766% | 42 |
| Total risk-based capital ratio | 111.8085% | 43 |
| Memoranda: | ||
| Average total assets | $14,991,500 | 7,245 |
| Average earning assets | $14,432,000 | 7,216 |
| Average equity | $1,129,000 | 7,265 |
| Average total loans | $31,500 | 7,271 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7600% | 7,303 |
| Cost of funding earning assets | 0.2264% | 7,207 |
| Net interest margin | 1.5336% | 7,284 |
| Noninterest income to average assets | 0.2462% | 5,770 |
| Noninterest expense to average assets | 7.6390% | 116 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -5.9156% | 7,321 |
| Return on assets (ROA) | -5.9156% | 7,321 |
| Pretax return on assets | -5.9156% | 7,325 |
| Return on Equity (ROE) | -74.0578% | 7,280 |
| Retained earnings to average equity (ytd only) | -74.0578% | 7,280 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 443.2653% | 11 |
| Assets per employee ($millions) | 1.6462% | 7,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 16.1290% | 3 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 0.1755% | 7,317 |
| Net loans and leases to deposits | 0.1911% | 7,319 |
| Net loans and leases to core deposits | 0.1911% | 7,304 |
| Total domestic deposits to total assets | 91.8264% | 262 |
| Equity capital to assets | 7.6539% | 6,745 |
| Core capital (leverage) ratio | 7.1263% | 6,822 |
| Tier 1 risk-based capital ratio | 88.7001% | 53 |
| Total risk-based capital ratio | 89.1249% | 53 |
| Memoranda: | ||
| Average total assets | $14,216,600 | 7,296 |
| Average earning assets | $13,693,400 | 7,269 |
| Average equity | $1,135,600 | 7,322 |
| Average total loans | $28,000 | 7,323 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8600% | 7,376 |
| Cost of funding earning assets | 0.2362% | 7,288 |
| Net interest margin | 1.6238% | 7,357 |
| Noninterest income to average assets | 0.2275% | 5,987 |
| Noninterest expense to average assets | 7.5827% | 116 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -5.7913% | 7,394 |
| Return on assets (ROA) | -5.7913% | 7,396 |
| Pretax return on assets | -5.7913% | 7,396 |
| Return on Equity (ROE) | -71.7121% | 7,348 |
| Retained earnings to average equity (ytd only) | -71.7121% | 7,346 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 423.2804% | 11 |
| Assets per employee ($millions) | 1.5584% | 7,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.7059% | 5 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 0.2068% | 7,396 |
| Net loans and leases to deposits | 0.2250% | 7,397 |
| Net loans and leases to core deposits | 0.2250% | 7,382 |
| Total domestic deposits to total assets | 91.8865% | 224 |
| Equity capital to assets | 7.8354% | 6,785 |
| Core capital (leverage) ratio | 6.9556% | 6,974 |
| Tier 1 risk-based capital ratio | 103.1088% | 54 |
| Total risk-based capital ratio | 103.6269% | 54 |
| Memoranda: | ||
| Average total assets | $14,066,750 | 7,376 |
| Average earning assets | $13,547,500 | 7,348 |
| Average equity | $1,136,000 | 7,396 |
| Average total loans | $27,250 | 7,402 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9478% | 7,449 |
| Cost of funding earning assets | 0.2508% | 7,359 |
| Net interest margin | 1.6969% | 7,425 |
| Noninterest income to average assets | 0.2131% | 6,146 |
| Noninterest expense to average assets | 7.3010% | 130 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -5.4544% | 7,452 |
| Return on assets (ROA) | -5.4544% | 7,451 |
| Pretax return on assets | -5.4544% | 7,449 |
| Return on Equity (ROE) | -66.8797% | 7,393 |
| Retained earnings to average equity (ytd only) | -66.8797% | 7,390 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 395.3846% | 12 |
| Assets per employee ($millions) | 1.1835% | 7,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 17.2414% | 5 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 0.1690% | 7,470 |
| Net loans and leases to deposits | 0.1842% | 7,472 |
| Net loans and leases to core deposits | 0.1842% | 7,458 |
| Total domestic deposits to total assets | 91.7195% | 296 |
| Equity capital to assets | 8.0130% | 6,673 |
| Core capital (leverage) ratio | 7.2688% | 6,883 |
| Tier 1 risk-based capital ratio | 140.8470% | 43 |
| Total risk-based capital ratio | 141.5301% | 43 |
| Memoranda: | ||
| Average total assets | $14,080,330 | 7,450 |
| Average earning assets | $13,554,000 | 7,420 |
| Average equity | $1,148,330 | 7,471 |
| Average total loans | $25,000 | 7,475 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9249% | 7,510 |
| Cost of funding earning assets | 0.2665% | 7,419 |
| Net interest margin | 1.6583% | 7,481 |
| Noninterest income to average assets | 0.2283% | 6,091 |
| Noninterest expense to average assets | 7.1900% | 139 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -5.3640% | 7,497 |
| Return on assets (ROA) | -5.3640% | 7,497 |
| Pretax return on assets | -5.3640% | 7,492 |
| Return on Equity (ROE) | -65.1929% | 7,458 |
| Retained earnings to average equity (ytd only) | -65.1929% | 7,449 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 393.7500% | 17 |
| Assets per employee ($millions) | 1.7394% | 7,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 22.7273% | 3 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 0.1222% | 7,532 |
| Net loans and leases to deposits | 0.1341% | 7,535 |
| Net loans and leases to core deposits | 0.1341% | 7,519 |
| Total domestic deposits to total assets | 91.1175% | 568 |
| Equity capital to assets | 8.3148% | 6,145 |
| Core capital (leverage) ratio | 7.2951% | 6,860 |
| Tier 1 risk-based capital ratio | 141.2807% | 43 |
| Total risk-based capital ratio | 141.9619% | 43 |
| Memoranda: | ||
| Average total assets | $14,019,500 | 7,507 |
| Average earning assets | $13,507,500 | 7,479 |
| Average equity | $1,153,500 | 7,526 |
| Average total loans | $23,000 | 7,535 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6195% | 7,535 |
| Cost of funding earning assets | 0.3349% | 7,480 |
| Net interest margin | 2.2846% | 7,379 |
| Noninterest income to average assets | 0.2932% | 5,683 |
| Noninterest expense to average assets | 7.3164% | 140 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | -4.8276% | 7,523 |
| Return on assets (ROA) | -4.8204% | 7,530 |
| Pretax return on assets | -4.8204% | 7,528 |
| Return on Equity (ROE) | -56.2980% | 7,460 |
| Retained earnings to average equity (ytd only) | -56.2980% | 7,458 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 293.9655% | 29 |
| Assets per employee ($millions) | 1.7655% | 7,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 20.8333% | 3 |
| Loan loss allowance to noncurrent loans | 500.0000% | 645 |
| Noncurrent assets plus other real estate owned to assets | 0.0071% | 7,243 |
| Noncurrent loans to loans | 4.1667% | 1,740 |
| Net loans and leases to total assets | 0.1345% | 7,611 |
| Net loans and leases to deposits | 0.1473% | 7,614 |
| Net loans and leases to core deposits | 0.1473% | 7,597 |
| Total domestic deposits to total assets | 91.3481% | 440 |
| Equity capital to assets | 8.1422% | 6,329 |
| Core capital (leverage) ratio | 7.1429% | 6,945 |
| Tier 1 risk-based capital ratio | 87.0884% | 59 |
| Total risk-based capital ratio | 87.5217% | 60 |
| Memoranda: | ||
| Average total assets | $13,982,200 | 7,586 |
| Average earning assets | $13,437,800 | 7,560 |
| Average equity | $1,197,200 | 7,617 |
| Average total loans | $25,000 | 7,614 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8567% | 7,641 |
| Cost of funding earning assets | 0.3583% | 7,601 |
| Net interest margin | 2.4983% | 7,378 |
| Noninterest income to average assets | 0.2677% | 5,979 |
| Noninterest expense to average assets | 7.1222% | 144 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | -4.4549% | 7,606 |
| Return on assets (ROA) | -4.4549% | 7,618 |
| Pretax return on assets | -4.4549% | 7,601 |
| Return on Equity (ROE) | -51.3912% | 7,567 |
| Retained earnings to average equity (ytd only) | -51.3912% | 7,565 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 267.0251% | 38 |
| Assets per employee ($millions) | 1.7359% | 7,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 23.8095% | 4 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 0.1152% | 7,714 |
| Net loans and leases to deposits | 0.1262% | 7,716 |
| Net loans and leases to core deposits | 0.1262% | 7,697 |
| Total domestic deposits to total assets | 91.3084% | 354 |
| Equity capital to assets | 8.5332% | 6,241 |
| Core capital (leverage) ratio | 7.0832% | 7,119 |
| Tier 1 risk-based capital ratio | 75.1135% | 71 |
| Total risk-based capital ratio | 75.4917% | 72 |
| Memoranda: | ||
| Average total assets | $13,946,750 | 7,686 |
| Average earning assets | $13,395,250 | 7,656 |
| Average equity | $1,209,000 | 7,714 |
| Average total loans | $25,250 | 7,717 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1320% | 7,691 |
| Cost of funding earning assets | 0.3729% | 7,677 |
| Net interest margin | 2.7591% | 7,196 |
| Noninterest income to average assets | 0.2864% | 5,852 |
| Noninterest expense to average assets | 6.9594% | 155 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -4.0239% | 7,626 |
| Return on assets (ROA) | -4.0239% | 7,632 |
| Pretax return on assets | -4.0239% | 7,605 |
| Return on Equity (ROE) | -46.1791% | 7,585 |
| Retained earnings to average equity (ytd only) | -46.1791% | 7,580 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 237.0732% | 64 |
| Assets per employee ($millions) | 1.4220% | 7,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 20.0000% | 4 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 0.1406% | 7,783 |
| Net loans and leases to deposits | 0.1545% | 7,786 |
| Net loans and leases to core deposits | 0.1545% | 7,768 |
| Total domestic deposits to total assets | 91.0197% | 476 |
| Equity capital to assets | 8.8326% | 5,703 |
| Core capital (leverage) ratio | 7.4412% | 6,881 |
| Tier 1 risk-based capital ratio | 38.0419% | 281 |
| Total risk-based capital ratio | 38.2225% | 293 |
| Memoranda: | ||
| Average total assets | $13,966,670 | 7,751 |
| Average earning assets | $13,410,000 | 7,717 |
| Average equity | $1,217,000 | 7,778 |
| Average total loans | $26,670 | 7,785 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1977% | 7,776 |
| Cost of funding earning assets | 0.3922% | 7,780 |
| Net interest margin | 2.8055% | 7,172 |
| Noninterest income to average assets | 0.2601% | 6,067 |
| Noninterest expense to average assets | 7.1098% | 148 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -4.1618% | 7,725 |
| Return on assets (ROA) | -4.1618% | 7,731 |
| Pretax return on assets | -4.1618% | 7,700 |
| Return on Equity (ROE) | -48.1002% | 7,704 |
| Retained earnings to average equity (ytd only) | -48.1002% | 7,693 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 241.1765% | 71 |
| Assets per employee ($millions) | 1.7486% | 7,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 19.2308% | 4 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 0.1501% | 7,883 |
| Net loans and leases to deposits | 0.1646% | 7,885 |
| Net loans and leases to core deposits | 0.1646% | 7,867 |
| Total domestic deposits to total assets | 91.1931% | 466 |
| Equity capital to assets | 8.5996% | 5,871 |
| Core capital (leverage) ratio | 7.7230% | 6,598 |
| Tier 1 risk-based capital ratio | 38.9905% | 269 |
| Total risk-based capital ratio | 39.1734% | 280 |
| Memoranda: | ||
| Average total assets | $13,840,000 | 7,857 |
| Average earning assets | $13,259,500 | 7,826 |
| Average equity | $1,197,500 | 7,870 |
| Average total loans | $27,500 | 7,887 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8702% | 7,740 |
| Cost of funding earning assets | 0.5550% | 7,799 |
| Net interest margin | 3.3152% | 5,679 |
| Noninterest income to average assets | 0.3145% | 5,830 |
| Noninterest expense to average assets | 7.7544% | 160 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | -4.2381% | 7,642 |
| Return on assets (ROA) | -4.2381% | 7,642 |
| Pretax return on assets | -4.2381% | 7,581 |
| Return on Equity (ROE) | -46.1694% | 7,641 |
| Retained earnings to average equity (ytd only) | -46.1694% | 7,630 |
| Net charge-offs to loans | 1.9608% | 1,258 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | -593.0000% | 7,240 |
| Efficiency ratio | 220.5285% | 113 |
| Assets per employee ($millions) | 1.5212% | 7,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 17.2414% | 7 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 0.1753% | 7,961 |
| Net loans and leases to deposits | 0.1928% | 7,962 |
| Net loans and leases to core deposits | 0.1943% | 7,956 |
| Total domestic deposits to total assets | 90.9283% | 559 |
| Equity capital to assets | 8.7064% | 5,573 |
| Core capital (leverage) ratio | 7.9333% | 6,281 |
| Tier 1 risk-based capital ratio | 38.8113% | 270 |
| Total risk-based capital ratio | 38.9903% | 282 |
| Memoranda: | ||
| Average total assets | $13,992,000 | 7,920 |
| Average earning assets | $13,513,400 | 7,883 |
| Average equity | $1,284,400 | 7,949 |
| Average total loans | $51,000 | 7,966 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0044% | 7,801 |
| Cost of funding earning assets | 0.5776% | 7,898 |
| Net interest margin | 3.4268% | 5,163 |
| Noninterest income to average assets | 0.3128% | 5,980 |
| Noninterest expense to average assets | 7.2507% | 190 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | -3.6206% | 7,704 |
| Return on assets (ROA) | -3.5637% | 7,700 |
| Pretax return on assets | -3.5637% | 7,621 |
| Return on Equity (ROE) | -38.3419% | 7,738 |
| Retained earnings to average equity (ytd only) | -38.3419% | 7,729 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 199.7389% | 154 |
| Assets per employee ($millions) | 1.9491% | 7,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.0435% | 7 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 0.2932% | 8,044 |
| Net loans and leases to deposits | 0.3238% | 8,046 |
| Net loans and leases to core deposits | 0.3265% | 8,037 |
| Total domestic deposits to total assets | 90.5380% | 573 |
| Equity capital to assets | 9.3521% | 4,954 |
| Core capital (leverage) ratio | 7.7088% | 6,721 |
| Tier 1 risk-based capital ratio | 39.6697% | 288 |
| Total risk-based capital ratio | 39.8899% | 301 |
| Memoranda: | ||
| Average total assets | $14,067,250 | 7,997 |
| Average earning assets | $13,618,000 | 7,962 |
| Average equity | $1,307,500 | 8,033 |
| Average total loans | $56,500 | 8,050 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0899% | 7,876 |
| Cost of funding earning assets | 0.5967% | 7,989 |
| Net interest margin | 3.4931% | 4,828 |
| Noninterest income to average assets | 0.3097% | 6,030 |
| Noninterest expense to average assets | 6.8551% | 232 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -3.1672% | 7,707 |
| Return on assets (ROA) | -3.1249% | 7,699 |
| Pretax return on assets | -3.1249% | 7,601 |
| Return on Equity (ROE) | -33.6874% | 7,763 |
| Retained earnings to average equity (ytd only) | -33.6874% | 7,740 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 185.8779% | 229 |
| Assets per employee ($millions) | 1.8106% | 7,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.9091% | 11 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 0.3383% | 8,139 |
| Net loans and leases to deposits | 0.3799% | 8,140 |
| Net loans and leases to core deposits | 0.3829% | 8,131 |
| Total domestic deposits to total assets | 89.0369% | 1,248 |
| Equity capital to assets | 8.3466% | 6,270 |
| Core capital (leverage) ratio | 7.6702% | 6,802 |
| Tier 1 risk-based capital ratio | 37.4231% | 362 |
| Total risk-based capital ratio | 37.6282% | 379 |
| Memoranda: | ||
| Average total assets | $14,208,330 | 8,085 |
| Average earning assets | $13,741,330 | 8,045 |
| Average equity | $1,318,000 | 8,118 |
| Average total loans | $60,000 | 8,143 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2600% | 7,872 |
| Cost of funding earning assets | 0.6170% | 8,046 |
| Net interest margin | 3.6430% | 4,128 |
| Noninterest income to average assets | 0.3127% | 5,942 |
| Noninterest expense to average assets | 6.1976% | 272 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -2.3596% | 7,737 |
| Return on assets (ROA) | -2.3596% | 7,738 |
| Pretax return on assets | -2.3596% | 7,631 |
| Return on Equity (ROE) | -24.1894% | 7,830 |
| Retained earnings to average equity (ytd only) | -24.1894% | 7,752 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 161.4815% | 300 |
| Assets per employee ($millions) | 2.0443% | 7,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.0000% | 16 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 0.3774% | 8,189 |
| Net loans and leases to deposits | 0.4177% | 8,191 |
| Net loans and leases to core deposits | 0.4210% | 8,181 |
| Total domestic deposits to total assets | 90.3354% | 662 |
| Equity capital to assets | 9.5038% | 4,660 |
| Core capital (leverage) ratio | 7.7598% | 6,806 |
| Tier 1 risk-based capital ratio | 38.7992% | 341 |
| Total risk-based capital ratio | 39.0098% | 356 |
| Memoranda: | ||
| Average total assets | $14,070,000 | 8,139 |
| Average earning assets | $13,615,000 | 8,100 |
| Average equity | $1,372,500 | 8,169 |
| Average total loans | $62,500 | 8,193 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6087% | 8,007 |
| Cost of funding earning assets | 0.7506% | 8,130 |
| Net interest margin | 3.8581% | 3,759 |
| Noninterest income to average assets | 0.3255% | 6,120 |
| Noninterest expense to average assets | 7.6961% | 238 |
| Loan and lease loss provision to assets | -0.1085% | 8,258 |
| Net operating income to assets | -3.5443% | 7,921 |
| Return on assets (ROA) | -3.5443% | 7,906 |
| Pretax return on assets | -3.5443% | 7,816 |
| Return on Equity (ROE) | -41.3642% | 8,089 |
| Retained earnings to average equity (ytd only) | -41.3642% | 8,060 |
| Net charge-offs to loans | 2.8011% | 334 |
| Credit loss provision to net charge-offs | -750.0000% | 7,414 |
| Earnings coverage of net charge-offs (x) | -252.5000% | 7,022 |
| Efficiency ratio | 190.3399% | 215 |
| Assets per employee ($millions) | 2.3050% | 7,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.2308% | 15 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 0.4266% | 8,244 |
| Net loans and leases to deposits | 0.4760% | 8,247 |
| Net loans and leases to core deposits | 0.4799% | 8,237 |
| Total domestic deposits to total assets | 89.6168% | 799 |
| Equity capital to assets | 10.0145% | 4,019 |
| Core capital (leverage) ratio | 7.9417% | 6,585 |
| Tier 1 risk-based capital ratio | 38.8222% | 360 |
| Total risk-based capital ratio | 39.0403% | 369 |
| Memoranda: | ||
| Average total assets | $13,825,200 | 8,189 |
| Average earning assets | $13,322,600 | 8,162 |
| Average equity | $1,184,600 | 8,256 |
| Average total loans | $71,400 | 8,248 |