Home > Eagle Community Bank > Performance and Condition Ratios
Eagle Community Bank, Performance and Condition Ratios
| 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 | 8.6656% | 21 |
| Cost of funding earning assets | 0.2704% | 3,270 |
| Net interest margin | 8.3952% | 20 |
| Noninterest income to average assets | 0.0113% | 4,923 |
| Noninterest expense to average assets | 2.9905% | 1,015 |
| Loan and lease loss provision to assets | 0.1016% | 1,328 |
| Net operating income to assets | 4.9654% | 58 |
| Return on assets (ROA) | 4.9654% | 59 |
| Pretax return on assets | 4.9767% | 76 |
| Return on Equity (ROE) | 61.8195% | 16 |
| Retained earnings to average equity (ytd only) | 61.8195% | 7 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.0629% | 4,830 |
| Assets per employee ($millions) | 7.0612% | 1,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7680% | 4,461 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3737% | 495 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 80.8786% | 291 |
| Net loans and leases to deposits | 88.9897% | 764 |
| Net loans and leases to core deposits | 98.1305% | 802 |
| Total domestic deposits to total assets | 90.8854% | 442 |
| Equity capital to assets | 8.6869% | 3,972 |
| Core capital (leverage) ratio | 8.5884% | 4,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $35,445,500 | 4,830 |
| Average earning assets | $34,019,500 | 4,796 |
| Average equity | $2,847,000 | 4,898 |
| Average total loans | $28,725,000 | 4,520 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5051% | 187 |
| Cost of funding earning assets | 0.4286% | 3,413 |
| Net interest margin | 5.0765% | 108 |
| Noninterest income to average assets | 0.3795% | 3,214 |
| Noninterest expense to average assets | 3.5525% | 647 |
| Loan and lease loss provision to assets | 0.1371% | 2,646 |
| Net operating income to assets | 1.5211% | 766 |
| Return on assets (ROA) | 1.5211% | 832 |
| Pretax return on assets | 1.5243% | 1,255 |
| Return on Equity (ROE) | 19.4885% | 257 |
| Retained earnings to average equity (ytd only) | 19.4885% | 71 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1346% | 2,223 |
| Assets per employee ($millions) | 7.1170% | 1,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7393% | 4,523 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3629% | 579 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 79.9831% | 429 |
| Net loans and leases to deposits | 98.1956% | 453 |
| Net loans and leases to core deposits | 107.4849% | 586 |
| Total domestic deposits to total assets | 81.4529% | 3,770 |
| Equity capital to assets | 7.3823% | 4,860 |
| Core capital (leverage) ratio | 8.6583% | 4,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $31,358,200 | 4,861 |
| Average earning assets | $29,863,200 | 4,841 |
| Average equity | $2,447,600 | 4,943 |
| Average total loans | $26,421,200 | 4,592 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1507% | 85 |
| Cost of funding earning assets | 0.4539% | 3,503 |
| Net interest margin | 5.6968% | 59 |
| Noninterest income to average assets | 0.5588% | 2,354 |
| Noninterest expense to average assets | 3.7709% | 471 |
| Loan and lease loss provision to assets | 0.1881% | 2,103 |
| Net operating income to assets | 2.0065% | 294 |
| Return on assets (ROA) | 2.0065% | 322 |
| Pretax return on assets | 2.0109% | 508 |
| Return on Equity (ROE) | 25.3037% | 110 |
| Retained earnings to average equity (ytd only) | 25.3037% | 48 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1540% | 2,888 |
| Assets per employee ($millions) | 5.7545% | 2,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7048% | 4,577 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4308% | 622 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 86.5091% | 131 |
| Net loans and leases to deposits | 115.1199% | 156 |
| Net loans and leases to core deposits | 127.4003% | 281 |
| Total domestic deposits to total assets | 75.1470% | 4,491 |
| Equity capital to assets | 7.5477% | 4,846 |
| Core capital (leverage) ratio | 9.1512% | 3,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $30,301,500 | 4,901 |
| Average earning assets | $28,787,250 | 4,881 |
| Average equity | $2,402,750 | 4,973 |
| Average total loans | $25,858,000 | 4,629 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3511% | 48 |
| Cost of funding earning assets | 0.4964% | 3,557 |
| Net interest margin | 6.8547% | 35 |
| Noninterest income to average assets | 0.7891% | 1,469 |
| Noninterest expense to average assets | 3.9664% | 421 |
| Loan and lease loss provision to assets | 0.2976% | 1,446 |
| Net operating income to assets | 3.0180% | 83 |
| Return on assets (ROA) | 3.0180% | 88 |
| Pretax return on assets | 3.0250% | 110 |
| Return on Equity (ROE) | 37.3448% | 37 |
| Retained earnings to average equity (ytd only) | 37.3448% | 18 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4160% | 4,129 |
| Assets per employee ($millions) | 5.6572% | 2,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7101% | 4,542 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4642% | 647 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 87.3376% | 83 |
| Net loans and leases to deposits | 116.8644% | 118 |
| Net loans and leases to core deposits | 126.9158% | 302 |
| Total domestic deposits to total assets | 74.7341% | 4,539 |
| Equity capital to assets | 7.6187% | 4,852 |
| Core capital (leverage) ratio | 8.9237% | 3,986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4929% | 2,005 |
| Memoranda: | ||
| Average total assets | $28,893,000 | 4,943 |
| Average earning assets | $27,397,333 | 4,922 |
| Average equity | $2,335,000 | 5,009 |
| Average total loans | $24,450,333 | 4,682 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1474% | 725 |
| Cost of funding earning assets | 0.4504% | 4,152 |
| Net interest margin | 4.6970% | 332 |
| Noninterest income to average assets | 1.6383% | 337 |
| Noninterest expense to average assets | 4.2324% | 403 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.8204% | 393 |
| Return on assets (ROA) | 1.8204% | 438 |
| Pretax return on assets | 1.8356% | 649 |
| Return on Equity (ROE) | 21.7244% | 119 |
| Retained earnings to average equity (ytd only) | 21.7244% | 48 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7500% | 2,394 |
| Assets per employee ($millions) | 4.5822% | 3,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7668% | 4,478 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.8114% | 497 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 79.5475% | 751 |
| Net loans and leases to deposits | 87.2636% | 1,832 |
| Net loans and leases to core deposits | 94.8560% | 1,895 |
| Total domestic deposits to total assets | 91.1577% | 94 |
| Equity capital to assets | 8.2566% | 4,911 |
| Core capital (leverage) ratio | 8.7289% | 4,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5159% | 2,474 |
| Memoranda: | ||
| Average total assets | $26,368,000 | 5,005 |
| Average earning assets | $24,867,000 | 4,988 |
| Average equity | $2,209,500 | 5,059 |
| Average total loans | $21,747,000 | 4,771 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5570% | 508 |
| Cost of funding earning assets | 0.7204% | 3,067 |
| Net interest margin | 4.8365% | 374 |
| Noninterest income to average assets | -0.2379% | 5,167 |
| Noninterest expense to average assets | 4.2184% | 418 |
| Loan and lease loss provision to assets | 0.0040% | 3,924 |
| Net operating income to assets | 0.0872% | 4,935 |
| Return on assets (ROA) | 0.0872% | 4,950 |
| Pretax return on assets | 0.0912% | 4,947 |
| Return on Equity (ROE) | 1.0220% | 4,913 |
| Retained earnings to average equity (ytd only) | 1.0220% | 4,375 |
| Net charge-offs to loans | -0.0048% | 4,343 |
| Credit loss provision to net charge-offs | -100.0000% | 4,218 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.7941% | 189 |
| Assets per employee ($millions) | 4.2072% | 3,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7877% | 4,344 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.9807% | 396 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 84.3244% | 296 |
| Net loans and leases to deposits | 92.5679% | 1,301 |
| Net loans and leases to core deposits | 101.4005% | 1,450 |
| Total domestic deposits to total assets | 91.0946% | 108 |
| Equity capital to assets | 8.5133% | 4,908 |
| Core capital (leverage) ratio | 8.3537% | 4,926 |
| Tier 1 risk-based capital ratio | 11.9701% | 4,378 |
| Total risk-based capital ratio | 12.9115% | 4,435 |
| Memoranda: | ||
| Average total assets | $25,222,800 | 5,072 |
| Average earning assets | $23,736,000 | 5,057 |
| Average equity | $2,152,600 | 5,126 |
| Average total loans | $20,750,800 | 4,847 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4982% | 588 |
| Cost of funding earning assets | 0.7814% | 2,806 |
| Net interest margin | 4.7167% | 482 |
| Noninterest income to average assets | -0.1110% | 5,235 |
| Noninterest expense to average assets | 4.2086% | 408 |
| Loan and lease loss provision to assets | 0.0053% | 3,771 |
| Net operating income to assets | 0.1058% | 5,015 |
| Return on assets (ROA) | 0.1058% | 5,029 |
| Pretax return on assets | 0.1110% | 5,034 |
| Return on Equity (ROE) | 1.2384% | 4,990 |
| Retained earnings to average equity (ytd only) | 1.2384% | 4,506 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.3105% | 178 |
| Assets per employee ($millions) | 4.2953% | 3,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8230% | 4,338 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.1108% | 397 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 78.5504% | 1,054 |
| Net loans and leases to deposits | 86.0422% | 2,183 |
| Net loans and leases to core deposits | 94.0357% | 2,173 |
| Total domestic deposits to total assets | 91.2929% | 73 |
| Equity capital to assets | 8.3385% | 5,053 |
| Core capital (leverage) ratio | 8.4351% | 4,971 |
| Tier 1 risk-based capital ratio | 12.8775% | 3,917 |
| Total risk-based capital ratio | 13.8842% | 3,936 |
| Memoranda: | ||
| Average total assets | $25,217,750 | 5,150 |
| Average earning assets | $23,716,500 | 5,131 |
| Average equity | $2,153,500 | 5,202 |
| Average total loans | $20,574,750 | 4,924 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5314% | 536 |
| Cost of funding earning assets | 0.8340% | 2,486 |
| Net interest margin | 4.6975% | 493 |
| Noninterest income to average assets | 0.1438% | 4,847 |
| Noninterest expense to average assets | 4.1545% | 440 |
| Loan and lease loss provision to assets | 0.0080% | 3,577 |
| Net operating income to assets | 0.3835% | 4,758 |
| Return on assets (ROA) | 0.3835% | 4,779 |
| Pretax return on assets | 0.3915% | 4,840 |
| Return on Equity (ROE) | 4.4548% | 4,478 |
| Retained earnings to average equity (ytd only) | 4.4548% | 3,037 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2281% | 307 |
| Assets per employee ($millions) | 4.1720% | 3,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8297% | 4,337 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.3490% | 332 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 80.2213% | 847 |
| Net loans and leases to deposits | 88.3613% | 1,960 |
| Net loans and leases to core deposits | 99.5686% | 1,761 |
| Total domestic deposits to total assets | 90.7878% | 131 |
| Equity capital to assets | 8.6929% | 4,960 |
| Core capital (leverage) ratio | 8.6856% | 4,857 |
| Tier 1 risk-based capital ratio | 12.8030% | 3,946 |
| Total risk-based capital ratio | 13.7915% | 3,996 |
| Memoranda: | ||
| Average total assets | $25,033,000 | 5,199 |
| Average earning assets | $23,502,000 | 5,180 |
| Average equity | $2,155,000 | 5,244 |
| Average total loans | $20,629,000 | 4,965 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4856% | 534 |
| Cost of funding earning assets | 0.8688% | 2,165 |
| Net interest margin | 4.6168% | 590 |
| Noninterest income to average assets | 0.0479% | 5,219 |
| Noninterest expense to average assets | 3.8189% | 644 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5433% | 4,396 |
| Return on assets (ROA) | 0.5433% | 4,423 |
| Pretax return on assets | 0.5593% | 4,586 |
| Return on Equity (ROE) | 6.3418% | 3,898 |
| Retained earnings to average equity (ytd only) | 6.3418% | 2,300 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2263% | 519 |
| Assets per employee ($millions) | 4.2288% | 3,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8138% | 4,474 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.3332% | 357 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 80.2231% | 807 |
| Net loans and leases to deposits | 88.4077% | 1,821 |
| Net loans and leases to core deposits | 105.7238% | 1,191 |
| Total domestic deposits to total assets | 90.7421% | 218 |
| Equity capital to assets | 8.5209% | 4,975 |
| Core capital (leverage) ratio | 8.6631% | 4,901 |
| Tier 1 risk-based capital ratio | 12.8689% | 3,945 |
| Total risk-based capital ratio | 13.8624% | 3,971 |
| Memoranda: | ||
| Average total assets | $25,033,500 | 5,254 |
| Average earning assets | $23,479,500 | 5,235 |
| Average equity | $2,144,500 | 5,297 |
| Average total loans | $20,819,000 | 5,019 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5342% | 373 |
| Cost of funding earning assets | 0.7706% | 1,686 |
| Net interest margin | 4.7636% | 427 |
| Noninterest income to average assets | -0.3562% | 5,393 |
| Noninterest expense to average assets | 4.8648% | 225 |
| Loan and lease loss provision to assets | 0.1700% | 1,178 |
| Net operating income to assets | -0.9875% | 5,339 |
| Return on assets (ROA) | -0.9875% | 5,333 |
| Pretax return on assets | -0.9875% | 5,331 |
| Return on Equity (ROE) | -11.4554% | 5,356 |
| Retained earnings to average equity (ytd only) | -11.4554% | 5,330 |
| Net charge-offs to loans | 0.1792% | 1,072 |
| Credit loss provision to net charge-offs | 113.5135% | 2,283 |
| Earnings coverage of net charge-offs (x) | -5.4595% | 3,745 |
| Efficiency ratio | 120.2000% | 59 |
| Assets per employee ($millions) | 4.1157% | 3,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7909% | 4,567 |
| Loan loss allowance to noncurrent loans | 119.2857% | 3,123 |
| Noncurrent assets plus other real estate owned to assets | 2.9643% | 216 |
| Noncurrent loans to loans | 0.6630% | 2,338 |
| Net loans and leases to total assets | 84.8344% | 330 |
| Net loans and leases to deposits | 93.2808% | 1,360 |
| Net loans and leases to core deposits | 112.1047% | 875 |
| Total domestic deposits to total assets | 90.9452% | 218 |
| Equity capital to assets | 8.6134% | 4,865 |
| Core capital (leverage) ratio | 8.3855% | 5,075 |
| Tier 1 risk-based capital ratio | 12.1262% | 4,342 |
| Total risk-based capital ratio | 13.0774% | 4,422 |
| Memoranda: | ||
| Average total assets | $24,708,000 | 5,301 |
| Average earning assets | $22,840,000 | 5,288 |
| Average equity | $2,130,000 | 5,344 |
| Average total loans | $20,647,200 | 5,062 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4951% | 363 |
| Cost of funding earning assets | 0.7264% | 1,709 |
| Net interest margin | 4.7687% | 395 |
| Noninterest income to average assets | -0.4910% | 5,468 |
| Noninterest expense to average assets | 4.6994% | 251 |
| Loan and lease loss provision to assets | 0.2266% | 722 |
| Net operating income to assets | -1.0252% | 5,423 |
| Return on assets (ROA) | -1.0252% | 5,417 |
| Pretax return on assets | -1.0252% | 5,417 |
| Return on Equity (ROE) | -11.8892% | 5,428 |
| Retained earnings to average equity (ytd only) | -11.8892% | 5,404 |
| Net charge-offs to loans | 0.2403% | 709 |
| Credit loss provision to net charge-offs | 113.5135% | 2,070 |
| Earnings coverage of net charge-offs (x) | -4.0002% | 3,457 |
| Efficiency ratio | 120.4703% | 54 |
| Assets per employee ($millions) | 4.1185% | 3,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7795% | 4,690 |
| Loan loss allowance to noncurrent loans | 119.2857% | 3,154 |
| Noncurrent assets plus other real estate owned to assets | 2.9744% | 248 |
| Noncurrent loans to loans | 0.6535% | 2,451 |
| Net loans and leases to total assets | 86.0184% | 261 |
| Net loans and leases to deposits | 94.9989% | 1,273 |
| Net loans and leases to core deposits | 105.7302% | 1,330 |
| Total domestic deposits to total assets | 90.5467% | 324 |
| Equity capital to assets | 8.8260% | 4,697 |
| Core capital (leverage) ratio | 8.7087% | 4,950 |
| Tier 1 risk-based capital ratio | 12.1969% | 4,381 |
| Total risk-based capital ratio | 13.1300% | 4,448 |
| Memoranda: | ||
| Average total assets | $24,711,500 | 5,371 |
| Average earning assets | $22,759,000 | 5,359 |
| Average equity | $2,130,750 | 5,414 |
| Average total loans | $20,530,000 | 5,124 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4018% | 386 |
| Cost of funding earning assets | 0.6907% | 1,676 |
| Net interest margin | 4.7111% | 424 |
| Noninterest income to average assets | -0.3642% | 5,523 |
| Noninterest expense to average assets | 3.9738% | 551 |
| Loan and lease loss provision to assets | 0.0728% | 2,432 |
| Net operating income to assets | -0.1052% | 5,380 |
| Return on assets (ROA) | -0.1052% | 5,375 |
| Pretax return on assets | -0.1052% | 5,371 |
| Return on Equity (ROE) | -1.2299% | 5,384 |
| Retained earnings to average equity (ytd only) | -1.2299% | 5,095 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.8214% | 158 |
| Assets per employee ($millions) | 4.2790% | 3,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8225% | 4,632 |
| Loan loss allowance to noncurrent loans | 96.6102% | 3,531 |
| Noncurrent assets plus other real estate owned to assets | 3.3107% | 205 |
| Noncurrent loans to loans | 0.8513% | 2,017 |
| Net loans and leases to total assets | 80.3147% | 970 |
| Net loans and leases to deposits | 88.0557% | 2,110 |
| Net loans and leases to core deposits | 109.2450% | 1,045 |
| Total domestic deposits to total assets | 91.2090% | 202 |
| Equity capital to assets | 8.4054% | 5,011 |
| Core capital (leverage) ratio | 8.4491% | 5,142 |
| Tier 1 risk-based capital ratio | 12.1485% | 4,404 |
| Total risk-based capital ratio | 13.1102% | 4,465 |
| Memoranda: | ||
| Average total assets | $24,711,670 | 5,432 |
| Average earning assets | $22,585,000 | 5,423 |
| Average equity | $2,114,000 | 5,479 |
| Average total loans | $20,232,330 | 5,191 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3839% | 343 |
| Cost of funding earning assets | 0.6184% | 1,922 |
| Net interest margin | 4.7655% | 366 |
| Noninterest income to average assets | 0.1816% | 4,940 |
| Noninterest expense to average assets | 3.7308% | 728 |
| Loan and lease loss provision to assets | 0.0825% | 2,140 |
| Net operating income to assets | 0.6768% | 4,184 |
| Return on assets (ROA) | 0.6768% | 4,186 |
| Pretax return on assets | 0.6933% | 4,456 |
| Return on Equity (ROE) | 7.8394% | 3,448 |
| Retained earnings to average equity (ytd only) | 7.8394% | 1,903 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7839% | 882 |
| Assets per employee ($millions) | 4.9498% | 2,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8127% | 4,758 |
| Loan loss allowance to noncurrent loans | 94.3503% | 3,562 |
| Noncurrent assets plus other real estate owned to assets | 3.7254% | 183 |
| Noncurrent loans to loans | 0.8614% | 2,101 |
| Net loans and leases to total assets | 82.3548% | 619 |
| Net loans and leases to deposits | 90.5786% | 1,618 |
| Net loans and leases to core deposits | 97.0479% | 1,902 |
| Total domestic deposits to total assets | 90.9208% | 346 |
| Equity capital to assets | 8.5337% | 4,945 |
| Core capital (leverage) ratio | 8.4560% | 5,169 |
| Tier 1 risk-based capital ratio | 12.0476% | 4,523 |
| Total risk-based capital ratio | 12.9994% | 4,593 |
| Memoranda: | ||
| Average total assets | $24,230,500 | 5,497 |
| Average earning assets | $21,991,500 | 5,485 |
| Average equity | $2,092,000 | 5,540 |
| Average total loans | $19,953,000 | 5,259 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8769% | 841 |
| Cost of funding earning assets | 0.4771% | 2,528 |
| Net interest margin | 4.3998% | 770 |
| Noninterest income to average assets | 0.0652% | 5,496 |
| Noninterest expense to average assets | 4.5594% | 301 |
| Loan and lease loss provision to assets | 0.1739% | 1,255 |
| Net operating income to assets | -0.7041% | 5,564 |
| Return on assets (ROA) | -0.7041% | 5,562 |
| Pretax return on assets | -0.6998% | 5,574 |
| Return on Equity (ROE) | -10.2975% | 5,592 |
| Retained earnings to average equity (ytd only) | -10.2975% | 5,539 |
| Net charge-offs to loans | 0.6902% | 312 |
| Credit loss provision to net charge-offs | 31.7460% | 3,520 |
| Earnings coverage of net charge-offs (x) | -0.9603% | 4,042 |
| Efficiency ratio | 113.0388% | 86 |
| Assets per employee ($millions) | 3.9520% | 4,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8369% | 4,711 |
| Loan loss allowance to noncurrent loans | 91.5254% | 3,685 |
| Noncurrent assets plus other real estate owned to assets | 3.8968% | 156 |
| Noncurrent loans to loans | 0.9144% | 1,954 |
| Net loans and leases to total assets | 80.9506% | 841 |
| Net loans and leases to deposits | 89.2085% | 1,866 |
| Net loans and leases to core deposits | 90.4699% | 2,519 |
| Total domestic deposits to total assets | 90.7431% | 323 |
| Equity capital to assets | 8.7382% | 4,939 |
| Core capital (leverage) ratio | 8.8806% | 4,775 |
| Tier 1 risk-based capital ratio | 13.2047% | 3,790 |
| Total risk-based capital ratio | 14.2366% | 3,810 |
| Memoranda: | ||
| Average total assets | $23,007,200 | 5,571 |
| Average earning assets | $20,750,800 | 5,557 |
| Average equity | $1,573,200 | 5,641 |
| Average total loans | $18,255,600 | 5,349 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7625% | 999 |
| Cost of funding earning assets | 0.4672% | 2,547 |
| Net interest margin | 4.2953% | 933 |
| Noninterest income to average assets | 0.1635% | 5,201 |
| Noninterest expense to average assets | 4.3215% | 365 |
| Loan and lease loss provision to assets | 0.0818% | 2,456 |
| Net operating income to assets | -0.3796% | 5,613 |
| Return on assets (ROA) | -0.3796% | 5,613 |
| Pretax return on assets | -0.3737% | 5,606 |
| Return on Equity (ROE) | -5.9827% | 5,642 |
| Retained earnings to average equity (ytd only) | -5.9827% | 5,567 |
| Net charge-offs to loans | 0.9344% | 193 |
| Credit loss provision to net charge-offs | 11.1111% | 3,218 |
| Earnings coverage of net charge-offs (x) | -0.3968% | 3,710 |
| Efficiency ratio | 107.2464% | 111 |
| Assets per employee ($millions) | 3.8835% | 4,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7254% | 5,083 |
| Loan loss allowance to noncurrent loans | 76.8362% | 3,985 |
| Noncurrent assets plus other real estate owned to assets | 4.0685% | 162 |
| Noncurrent loans to loans | 0.9441% | 2,031 |
| Net loans and leases to total assets | 79.8764% | 1,001 |
| Net loans and leases to deposits | 88.7088% | 1,965 |
| Net loans and leases to core deposits | 89.9956% | 2,610 |
| Total domestic deposits to total assets | 90.0433% | 460 |
| Equity capital to assets | 9.3129% | 4,638 |
| Core capital (leverage) ratio | 9.4005% | 4,292 |
| Tier 1 risk-based capital ratio | 13.7464% | 3,552 |
| Total risk-based capital ratio | 14.6079% | 3,700 |
| Memoranda: | ||
| Average total assets | $22,831,000 | 5,639 |
| Average earning assets | $20,549,000 | 5,625 |
| Average equity | $1,448,500 | 5,711 |
| Average total loans | $17,980,250 | 5,418 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8108% | 844 |
| Cost of funding earning assets | 0.4507% | 2,594 |
| Net interest margin | 4.3601% | 752 |
| Noninterest income to average assets | 0.5733% | 2,589 |
| Noninterest expense to average assets | 4.3574% | 350 |
| Loan and lease loss provision to assets | 0.1235% | 1,673 |
| Net operating income to assets | 0.0088% | 5,548 |
| Return on assets (ROA) | 0.0088% | 5,550 |
| Pretax return on assets | 0.0176% | 5,543 |
| Return on Equity (ROE) | 0.1656% | 5,545 |
| Retained earnings to average equity (ytd only) | 0.1656% | 5,033 |
| Net charge-offs to loans | 1.4218% | 130 |
| Credit loss provision to net charge-offs | 11.1111% | 2,842 |
| Earnings coverage of net charge-offs (x) | 0.1270% | 3,403 |
| Efficiency ratio | 96.8627% | 236 |
| Assets per employee ($millions) | 3.7230% | 4,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7563% | 5,059 |
| Loan loss allowance to noncurrent loans | 76.8362% | 4,027 |
| Noncurrent assets plus other real estate owned to assets | 4.4230% | 143 |
| Noncurrent loans to loans | 0.9843% | 1,995 |
| Net loans and leases to total assets | 79.8908% | 973 |
| Net loans and leases to deposits | 84.7872% | 2,376 |
| Net loans and leases to core deposits | 86.0131% | 2,876 |
| Total domestic deposits to total assets | 94.2251% | 10 |
| Equity capital to assets | 5.3854% | 5,761 |
| Core capital (leverage) ratio | 5.3327% | 5,760 |
| Tier 1 risk-based capital ratio | 7.9495% | 5,765 |
| Total risk-based capital ratio | 8.8482% | 5,766 |
| Memoranda: | ||
| Average total assets | $22,674,330 | 5,688 |
| Average earning assets | $20,412,330 | 5,673 |
| Average equity | $1,208,000 | 5,773 |
| Average total loans | $17,724,330 | 5,473 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5021% | 1,369 |
| Cost of funding earning assets | 0.4233% | 2,784 |
| Net interest margin | 4.0788% | 1,272 |
| Noninterest income to average assets | 1.0507% | 909 |
| Noninterest expense to average assets | 4.2027% | 428 |
| Loan and lease loss provision to assets | 0.2452% | 625 |
| Net operating income to assets | 0.2977% | 5,197 |
| Return on assets (ROA) | 0.2977% | 5,214 |
| Pretax return on assets | 0.3152% | 5,293 |
| Return on Equity (ROE) | 5.6175% | 4,078 |
| Retained earnings to average equity (ytd only) | 5.6175% | 2,534 |
| Net charge-offs to loans | 2.8644% | 55 |
| Credit loss provision to net charge-offs | 11.1111% | 2,218 |
| Earnings coverage of net charge-offs (x) | 0.2540% | 2,835 |
| Efficiency ratio | 88.2353% | 649 |
| Assets per employee ($millions) | 3.9143% | 4,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7821% | 5,110 |
| Loan loss allowance to noncurrent loans | 76.8362% | 4,057 |
| Noncurrent assets plus other real estate owned to assets | 4.2195% | 169 |
| Noncurrent loans to loans | 1.0179% | 2,017 |
| Net loans and leases to total assets | 73.4565% | 1,828 |
| Net loans and leases to deposits | 77.9434% | 2,971 |
| Net loans and leases to core deposits | 79.0144% | 3,388 |
| Total domestic deposits to total assets | 94.2434% | 14 |
| Equity capital to assets | 5.1903% | 5,826 |
| Core capital (leverage) ratio | 5.3423% | 5,825 |
| Tier 1 risk-based capital ratio | 8.3688% | 5,824 |
| Total risk-based capital ratio | 9.3025% | 5,826 |
| Memoranda: | ||
| Average total assets | $22,842,500 | 5,756 |
| Average earning assets | $20,790,500 | 5,738 |
| Average equity | $1,210,500 | 5,839 |
| Average total loans | $17,595,500 | 5,534 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2077% | 411 |
| Cost of funding earning assets | 0.4531% | 2,512 |
| Net interest margin | 4.7546% | 383 |
| Noninterest income to average assets | -1.1354% | 5,909 |
| Noninterest expense to average assets | 3.7536% | 820 |
| Loan and lease loss provision to assets | 0.7124% | 167 |
| Net operating income to assets | -1.4471% | 5,859 |
| Return on assets (ROA) | -1.4471% | 5,860 |
| Pretax return on assets | -1.4427% | 5,856 |
| Return on Equity (ROE) | -25.7937% | 5,882 |
| Retained earnings to average equity (ytd only) | -25.7937% | 5,874 |
| Net charge-offs to loans | 0.8186% | 247 |
| Credit loss provision to net charge-offs | 115.1079% | 2,285 |
| Earnings coverage of net charge-offs (x) | -1.1799% | 4,174 |
| Efficiency ratio | 124.1532% | 75 |
| Assets per employee ($millions) | 3.6998% | 4,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3930% | 2,109 |
| Loan loss allowance to noncurrent loans | 26.4674% | 5,148 |
| Noncurrent assets plus other real estate owned to assets | 9.0184% | 42 |
| Noncurrent loans to loans | 5.2632% | 143 |
| Net loans and leases to total assets | 79.0801% | 1,033 |
| Net loans and leases to deposits | 83.8308% | 2,443 |
| Net loans and leases to core deposits | 85.0492% | 2,924 |
| Total domestic deposits to total assets | 94.3331% | 17 |
| Equity capital to assets | 5.4147% | 5,870 |
| Core capital (leverage) ratio | 5.3280% | 5,875 |
| Tier 1 risk-based capital ratio | 9.1054% | 5,850 |
| Total risk-based capital ratio | 10.3629% | 5,850 |
| Memoranda: | ||
| Average total assets | $22,458,600 | 5,812 |
| Average earning assets | $19,644,000 | 5,807 |
| Average equity | $1,260,000 | 5,897 |
| Average total loans | $16,979,800 | 5,614 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3037% | 366 |
| Cost of funding earning assets | 0.4591% | 2,467 |
| Net interest margin | 4.8446% | 334 |
| Noninterest income to average assets | -0.0119% | 5,939 |
| Noninterest expense to average assets | 3.6820% | 878 |
| Loan and lease loss provision to assets | 0.2190% | 952 |
| Net operating income to assets | 0.2664% | 5,356 |
| Return on assets (ROA) | 0.2664% | 5,430 |
| Pretax return on assets | 0.2723% | 5,488 |
| Return on Equity (ROE) | 4.7077% | 4,637 |
| Retained earnings to average equity (ytd only) | 4.7077% | 3,005 |
| Net charge-offs to loans | 1.1049% | 148 |
| Credit loss provision to net charge-offs | 26.6187% | 3,250 |
| Earnings coverage of net charge-offs (x) | 0.5971% | 3,776 |
| Efficiency ratio | 88.2270% | 664 |
| Assets per employee ($millions) | 3.8255% | 4,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7028% | 5,425 |
| Loan loss allowance to noncurrent loans | 70.6215% | 4,263 |
| Noncurrent assets plus other real estate owned to assets | 6.9621% | 77 |
| Noncurrent loans to loans | 0.9952% | 2,254 |
| Net loans and leases to total assets | 76.9398% | 1,375 |
| Net loans and leases to deposits | 81.7593% | 2,764 |
| Net loans and leases to core deposits | 82.9108% | 3,218 |
| Total domestic deposits to total assets | 94.1053% | 19 |
| Equity capital to assets | 5.5592% | 5,940 |
| Core capital (leverage) ratio | 5.4999% | 5,938 |
| Tier 1 risk-based capital ratio | 8.5886% | 5,933 |
| Total risk-based capital ratio | 9.4319% | 5,937 |
| Memoranda: | ||
| Average total assets | $22,523,500 | 5,874 |
| Average earning assets | $19,457,500 | 5,874 |
| Average equity | $1,274,500 | 5,961 |
| Average total loans | $16,774,000 | 5,680 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8078% | 868 |
| Cost of funding earning assets | 0.4498% | 2,568 |
| Net interest margin | 4.3580% | 836 |
| Noninterest income to average assets | 0.5898% | 2,674 |
| Noninterest expense to average assets | 3.5478% | 1,088 |
| Loan and lease loss provision to assets | 0.2145% | 982 |
| Net operating income to assets | 0.7149% | 3,721 |
| Return on assets (ROA) | 0.7149% | 3,875 |
| Pretax return on assets | 0.7238% | 4,549 |
| Return on Equity (ROE) | 12.5589% | 1,148 |
| Retained earnings to average equity (ytd only) | 12.5589% | 268 |
| Net charge-offs to loans | -0.1460% | 5,732 |
| Credit loss provision to net charge-offs | -200.0000% | 4,723 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0837% | 1,623 |
| Assets per employee ($millions) | 3.7860% | 4,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6184% | 1,477 |
| Loan loss allowance to noncurrent loans | 74.9288% | 4,248 |
| Noncurrent assets plus other real estate owned to assets | 8.4434% | 61 |
| Noncurrent loans to loans | 2.1599% | 890 |
| Net loans and leases to total assets | 70.3821% | 2,422 |
| Net loans and leases to deposits | 74.8712% | 3,493 |
| Net loans and leases to core deposits | 75.9381% | 3,830 |
| Total domestic deposits to total assets | 94.0042% | 19 |
| Equity capital to assets | 5.7713% | 6,018 |
| Core capital (leverage) ratio | 5.7346% | 6,011 |
| Tier 1 risk-based capital ratio | 9.3442% | 5,974 |
| Total risk-based capital ratio | 10.6015% | 5,960 |
| Memoranda: | ||
| Average total assets | $22,380,330 | 5,948 |
| Average earning assets | $20,009,000 | 5,938 |
| Average equity | $1,274,000 | 6,039 |
| Average total loans | $16,437,000 | 5,758 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4913% | 1,533 |
| Cost of funding earning assets | 0.4632% | 2,434 |
| Net interest margin | 4.0281% | 1,537 |
| Noninterest income to average assets | 0.7563% | 1,795 |
| Noninterest expense to average assets | 3.4215% | 1,339 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9184% | 2,662 |
| Return on assets (ROA) | 0.9184% | 2,772 |
| Pretax return on assets | 0.9364% | 3,707 |
| Return on Equity (ROE) | 16.2485% | 510 |
| Retained earnings to average equity (ytd only) | 16.2485% | 186 |
| Net charge-offs to loans | -0.1452% | 5,762 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5124% | 1,824 |
| Assets per employee ($millions) | 4.7100% | 2,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4135% | 2,366 |
| Loan loss allowance to noncurrent loans | 23.9959% | 5,397 |
| Noncurrent assets plus other real estate owned to assets | 10.7856% | 46 |
| Noncurrent loans to loans | 5.8906% | 149 |
| Net loans and leases to total assets | 69.0064% | 2,495 |
| Net loans and leases to deposits | 73.1796% | 3,529 |
| Net loans and leases to core deposits | 74.1818% | 3,876 |
| Total domestic deposits to total assets | 94.2972% | 19 |
| Equity capital to assets | 5.4437% | 6,079 |
| Core capital (leverage) ratio | 5.6819% | 6,074 |
| Tier 1 risk-based capital ratio | 9.2487% | 6,039 |
| Total risk-based capital ratio | 10.4997% | 6,031 |
| Memoranda: | ||
| Average total assets | $22,212,500 | 6,013 |
| Average earning assets | $19,860,500 | 5,999 |
| Average equity | $1,255,500 | 6,103 |
| Average total loans | $16,530,000 | 5,807 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8346% | 870 |
| Cost of funding earning assets | 0.5097% | 2,074 |
| Net interest margin | 4.3249% | 917 |
| Noninterest income to average assets | 0.6676% | 2,361 |
| Noninterest expense to average assets | 4.4844% | 418 |
| Loan and lease loss provision to assets | 0.5433% | 207 |
| Net operating income to assets | -0.5755% | 6,058 |
| Return on assets (ROA) | -0.5755% | 6,060 |
| Pretax return on assets | -0.5709% | 6,054 |
| Return on Equity (ROE) | -9.9238% | 6,099 |
| Retained earnings to average equity (ytd only) | -9.9238% | 6,035 |
| Net charge-offs to loans | 0.3974% | 725 |
| Credit loss provision to net charge-offs | 184.3750% | 1,487 |
| Earnings coverage of net charge-offs (x) | -0.0938% | 4,276 |
| Efficiency ratio | 100.6198% | 268 |
| Assets per employee ($millions) | 4.1750% | 3,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3694% | 2,559 |
| Loan loss allowance to noncurrent loans | 30.3476% | 5,324 |
| Noncurrent assets plus other real estate owned to assets | 11.1090% | 44 |
| Noncurrent loans to loans | 4.5125% | 238 |
| Net loans and leases to total assets | 78.3186% | 1,078 |
| Net loans and leases to deposits | 83.4345% | 2,431 |
| Net loans and leases to core deposits | 86.1562% | 2,782 |
| Total domestic deposits to total assets | 93.8683% | 26 |
| Equity capital to assets | 5.8874% | 6,123 |
| Core capital (leverage) ratio | 5.7769% | 6,128 |
| Tier 1 risk-based capital ratio | 8.8415% | 6,116 |
| Total risk-based capital ratio | 10.0943% | 6,109 |
| Memoranda: | ||
| Average total assets | $21,719,800 | 6,072 |
| Average earning assets | $19,029,400 | 6,067 |
| Average equity | $1,259,600 | 6,163 |
| Average total loans | $16,103,200 | 5,864 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6972% | 1,105 |
| Cost of funding earning assets | 0.5227% | 2,019 |
| Net interest margin | 4.1746% | 1,225 |
| Noninterest income to average assets | 1.0031% | 1,176 |
| Noninterest expense to average assets | 4.3286% | 473 |
| Loan and lease loss provision to assets | 0.7174% | 113 |
| Net operating income to assets | -0.4073% | 6,119 |
| Return on assets (ROA) | -0.4073% | 6,127 |
| Pretax return on assets | -0.4013% | 6,119 |
| Return on Equity (ROE) | -7.0491% | 6,155 |
| Retained earnings to average equity (ytd only) | -7.0491% | 6,076 |
| Net charge-offs to loans | 0.5338% | 436 |
| Credit loss provision to net charge-offs | 184.3750% | 1,441 |
| Earnings coverage of net charge-offs (x) | 0.8125% | 3,911 |
| Efficiency ratio | 93.1937% | 514 |
| Assets per employee ($millions) | 4.2686% | 3,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4086% | 2,551 |
| Loan loss allowance to noncurrent loans | 51.9451% | 4,895 |
| Noncurrent assets plus other real estate owned to assets | 9.6284% | 61 |
| Noncurrent loans to loans | 2.7118% | 706 |
| Net loans and leases to total assets | 74.4413% | 1,653 |
| Net loans and leases to deposits | 79.9276% | 2,894 |
| Net loans and leases to core deposits | 82.4922% | 3,201 |
| Total domestic deposits to total assets | 93.1359% | 43 |
| Equity capital to assets | 6.0348% | 6,200 |
| Core capital (leverage) ratio | 6.0876% | 6,195 |
| Tier 1 risk-based capital ratio | 9.5287% | 6,142 |
| Total risk-based capital ratio | 10.7810% | 6,113 |
| Memoranda: | ||
| Average total assets | $21,931,000 | 6,157 |
| Average earning assets | $19,131,250 | 6,153 |
| Average equity | $1,267,250 | 6,247 |
| Average total loans | $15,985,000 | 5,938 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6931% | 1,077 |
| Cost of funding earning assets | 0.5319% | 1,966 |
| Net interest margin | 4.1612% | 1,201 |
| Noninterest income to average assets | 1.0304% | 1,121 |
| Noninterest expense to average assets | 4.5194% | 416 |
| Loan and lease loss provision to assets | 1.0666% | 64 |
| Net operating income to assets | -0.9581% | 6,258 |
| Return on assets (ROA) | -0.9581% | 6,261 |
| Pretax return on assets | -0.9491% | 6,252 |
| Return on Equity (ROE) | -16.8210% | 6,285 |
| Retained earnings to average equity (ytd only) | -16.8210% | 6,245 |
| Net charge-offs to loans | 0.8531% | 241 |
| Credit loss provision to net charge-offs | 173.5294% | 1,385 |
| Earnings coverage of net charge-offs (x) | 0.1912% | 3,692 |
| Efficiency ratio | 97.4659% | 393 |
| Assets per employee ($millions) | 4.1948% | 3,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4642% | 2,434 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 7.9670% | 91 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 71.5505% | 2,064 |
| Net loans and leases to deposits | 76.4610% | 3,216 |
| Net loans and leases to core deposits | 78.9427% | 3,488 |
| Total domestic deposits to total assets | 93.5778% | 40 |
| Equity capital to assets | 5.9598% | 6,273 |
| Core capital (leverage) ratio | 5.6720% | 6,278 |
| Tier 1 risk-based capital ratio | 9.7628% | 6,155 |
| Total risk-based capital ratio | 11.0154% | 6,114 |
| Memoranda: | ||
| Average total assets | $22,127,000 | 6,228 |
| Average earning assets | $19,177,000 | 6,225 |
| Average equity | $1,260,330 | 6,325 |
| Average total loans | $15,941,670 | 6,005 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4977% | 1,466 |
| Cost of funding earning assets | 0.5268% | 2,035 |
| Net interest margin | 3.9709% | 1,650 |
| Noninterest income to average assets | -0.7989% | 6,409 |
| Noninterest expense to average assets | 4.2432% | 530 |
| Loan and lease loss provision to assets | 0.4083% | 275 |
| Net operating income to assets | -1.9885% | 6,365 |
| Return on assets (ROA) | -1.9885% | 6,368 |
| Pretax return on assets | -1.9707% | 6,363 |
| Return on Equity (ROE) | -37.9500% | 6,391 |
| Retained earnings to average equity (ytd only) | -37.9500% | 6,368 |
| Net charge-offs to loans | 1.6690% | 107 |
| Credit loss provision to net charge-offs | 33.8235% | 2,239 |
| Earnings coverage of net charge-offs (x) | -1.2941% | 3,186 |
| Efficiency ratio | 158.2781% | 39 |
| Assets per employee ($millions) | 3.8977% | 4,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8149% | 5,661 |
| Loan loss allowance to noncurrent loans | 106.6667% | 3,534 |
| Noncurrent assets plus other real estate owned to assets | 7.4019% | 116 |
| Noncurrent loans to loans | 0.7640% | 3,344 |
| Net loans and leases to total assets | 66.6168% | 2,671 |
| Net loans and leases to deposits | 70.4964% | 3,694 |
| Net loans and leases to core deposits | 72.5178% | 3,914 |
| Total domestic deposits to total assets | 94.4967% | 22 |
| Equity capital to assets | 5.0201% | 6,371 |
| Core capital (leverage) ratio | 5.2305% | 6,359 |
| Tier 1 risk-based capital ratio | 8.4512% | 6,340 |
| Total risk-based capital ratio | 9.3750% | 6,350 |
| Memoranda: | ||
| Average total assets | $22,530,000 | 6,291 |
| Average earning assets | $19,743,500 | 6,288 |
| Average equity | $1,180,500 | 6,396 |
| Average total loans | $16,297,500 | 6,044 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0711% | 674 |
| Cost of funding earning assets | 0.6267% | 1,562 |
| Net interest margin | 4.4444% | 823 |
| Noninterest income to average assets | 0.0818% | 6,215 |
| Noninterest expense to average assets | 4.3051% | 542 |
| Loan and lease loss provision to assets | -0.1955% | 6,288 |
| Net operating income to assets | -0.1591% | 6,189 |
| Return on assets (ROA) | -0.1591% | 6,187 |
| Pretax return on assets | -0.1591% | 6,170 |
| Return on Equity (ROE) | -3.0345% | 6,247 |
| Retained earnings to average equity (ytd only) | -3.0345% | 6,090 |
| Net charge-offs to loans | -0.2621% | 6,310 |
| Credit loss provision to net charge-offs | 100.0000% | 2,387 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.9758% | 233 |
| Assets per employee ($millions) | 3.6123% | 4,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0244% | 4,927 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 7.9819% | 119 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 77.1201% | 1,115 |
| Net loans and leases to deposits | 81.8400% | 2,496 |
| Net loans and leases to core deposits | 84.3808% | 2,855 |
| Total domestic deposits to total assets | 94.2327% | 26 |
| Equity capital to assets | 5.4766% | 6,441 |
| Core capital (leverage) ratio | 5.2529% | 6,446 |
| Tier 1 risk-based capital ratio | 8.6591% | 6,423 |
| Total risk-based capital ratio | 9.9107% | 6,424 |
| Memoranda: | ||
| Average total assets | $21,997,400 | 6,385 |
| Average earning assets | $19,147,800 | 6,381 |
| Average equity | $1,153,400 | 6,490 |
| Average total loans | $16,403,800 | 6,109 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0450% | 712 |
| Cost of funding earning assets | 0.6428% | 1,506 |
| Net interest margin | 4.4021% | 881 |
| Noninterest income to average assets | 0.2536% | 5,402 |
| Noninterest expense to average assets | 4.1850% | 618 |
| Loan and lease loss provision to assets | -0.2053% | 6,395 |
| Net operating income to assets | 0.0785% | 6,054 |
| Return on assets (ROA) | 0.0785% | 6,077 |
| Pretax return on assets | 0.0785% | 6,082 |
| Return on Equity (ROE) | 1.5135% | 5,947 |
| Retained earnings to average equity (ytd only) | 1.5135% | 5,290 |
| Net charge-offs to loans | -0.2702% | 6,371 |
| Credit loss provision to net charge-offs | 103.0303% | 2,142 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.1250% | 307 |
| Assets per employee ($millions) | 3.7742% | 4,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0211% | 5,116 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 7.8693% | 134 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 73.6233% | 1,580 |
| Net loans and leases to deposits | 78.2356% | 2,925 |
| Net loans and leases to core deposits | 81.6255% | 3,134 |
| Total domestic deposits to total assets | 94.1047% | 39 |
| Equity capital to assets | 5.2329% | 6,517 |
| Core capital (leverage) ratio | 5.2426% | 6,518 |
| Tier 1 risk-based capital ratio | 8.3052% | 6,504 |
| Total risk-based capital ratio | 9.5148% | 6,507 |
| Memoranda: | ||
| Average total assets | $22,078,250 | 6,458 |
| Average earning assets | $19,081,250 | 6,456 |
| Average equity | $1,145,000 | 6,569 |
| Average total loans | $16,282,750 | 6,177 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9307% | 860 |
| Cost of funding earning assets | 0.6409% | 1,582 |
| Net interest margin | 4.2898% | 1,043 |
| Noninterest income to average assets | 0.4203% | 4,095 |
| Noninterest expense to average assets | 4.2852% | 556 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.0731% | 6,243 |
| Return on assets (ROA) | -0.0731% | 6,255 |
| Pretax return on assets | -0.0731% | 6,241 |
| Return on Equity (ROE) | -1.4138% | 6,299 |
| Retained earnings to average equity (ytd only) | -1.4138% | 5,916 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.7354% | 360 |
| Assets per employee ($millions) | 3.7657% | 4,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0665% | 5,037 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 8.1128% | 134 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 71.0321% | 1,918 |
| Net loans and leases to deposits | 75.3156% | 3,152 |
| Net loans and leases to core deposits | 78.5714% | 3,374 |
| Total domestic deposits to total assets | 94.3126% | 37 |
| Equity capital to assets | 5.1607% | 6,579 |
| Core capital (leverage) ratio | 5.1874% | 6,578 |
| Tier 1 risk-based capital ratio | 8.5357% | 6,558 |
| Total risk-based capital ratio | 9.7866% | 6,560 |
| Memoranda: | ||
| Average total assets | $21,889,330 | 6,525 |
| Average earning assets | $19,348,330 | 6,519 |
| Average equity | $1,131,670 | 6,633 |
| Average total loans | $16,095,670 | 6,233 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0478% | 659 |
| Cost of funding earning assets | 0.6547% | 1,559 |
| Net interest margin | 4.3931% | 815 |
| Noninterest income to average assets | 0.5943% | 2,769 |
| Noninterest expense to average assets | 4.3460% | 529 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1114% | 6,004 |
| Return on assets (ROA) | 0.1114% | 6,037 |
| Pretax return on assets | 0.1114% | 6,058 |
| Return on Equity (ROE) | 2.1534% | 5,747 |
| Retained earnings to average equity (ytd only) | 2.1534% | 4,743 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5000% | 565 |
| Assets per employee ($millions) | 4.4872% | 2,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0661% | 5,263 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 8.3883% | 153 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 71.5591% | 1,641 |
| Net loans and leases to deposits | 75.8277% | 2,829 |
| Net loans and leases to core deposits | 79.1199% | 3,074 |
| Total domestic deposits to total assets | 94.3707% | 53 |
| Equity capital to assets | 5.0365% | 6,631 |
| Core capital (leverage) ratio | 5.1977% | 6,637 |
| Tier 1 risk-based capital ratio | 8.0020% | 6,625 |
| Total risk-based capital ratio | 9.2325% | 6,630 |
| Memoranda: | ||
| Average total assets | $21,537,000 | 6,603 |
| Average earning assets | $18,939,000 | 6,592 |
| Average equity | $1,114,500 | 6,701 |
| Average total loans | $16,032,500 | 6,303 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3620% | 473 |
| Cost of funding earning assets | 1.0003% | 440 |
| Net interest margin | 4.3617% | 969 |
| Noninterest income to average assets | -0.5272% | 6,794 |
| Noninterest expense to average assets | 5.0910% | 326 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -1.9622% | 6,713 |
| Return on assets (ROA) | -1.9427% | 6,709 |
| Pretax return on assets | -1.9378% | 6,704 |
| Return on Equity (ROE) | -36.4736% | 6,746 |
| Retained earnings to average equity (ytd only) | -36.4736% | 6,743 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 162.4611% | 51 |
| Assets per employee ($millions) | 3.4397% | 5,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0924% | 5,195 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 10.7859% | 110 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 75.8988% | 1,090 |
| Net loans and leases to deposits | 80.5057% | 2,384 |
| Net loans and leases to core deposits | 84.3102% | 2,639 |
| Total domestic deposits to total assets | 94.2775% | 73 |
| Equity capital to assets | 5.3251% | 6,667 |
| Core capital (leverage) ratio | 5.1813% | 6,706 |
| Tier 1 risk-based capital ratio | 7.6514% | 6,703 |
| Total risk-based capital ratio | 8.8624% | 6,705 |
| Memoranda: | ||
| Average total assets | $20,487,000 | 6,692 |
| Average earning assets | $17,195,000 | 6,700 |
| Average equity | $1,091,200 | 6,792 |
| Average total loans | $14,877,000 | 6,426 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3355% | 501 |
| Cost of funding earning assets | 1.0577% | 379 |
| Net interest margin | 4.2778% | 1,145 |
| Noninterest income to average assets | 0.7172% | 2,524 |
| Noninterest expense to average assets | 5.8941% | 214 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -1.6235% | 6,772 |
| Return on assets (ROA) | -1.6235% | 6,773 |
| Pretax return on assets | -1.6170% | 6,765 |
| Return on Equity (ROE) | -30.4788% | 6,815 |
| Retained earnings to average equity (ytd only) | -30.4788% | 6,808 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 137.8049% | 103 |
| Assets per employee ($millions) | 3.4995% | 4,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1179% | 5,261 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 11.2778% | 107 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 72.8771% | 1,470 |
| Net loans and leases to deposits | 77.4706% | 2,747 |
| Net loans and leases to core deposits | 80.8603% | 3,026 |
| Total domestic deposits to total assets | 94.0706% | 68 |
| Equity capital to assets | 5.2912% | 6,752 |
| Core capital (leverage) ratio | 5.2134% | 6,776 |
| Tier 1 risk-based capital ratio | 7.3976% | 6,785 |
| Total risk-based capital ratio | 8.5707% | 6,791 |
| Memoranda: | ||
| Average total assets | $20,449,250 | 6,768 |
| Average earning assets | $17,017,750 | 6,778 |
| Average equity | $1,089,250 | 6,871 |
| Average total loans | $14,637,000 | 6,497 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2492% | 584 |
| Cost of funding earning assets | 1.0951% | 348 |
| Net interest margin | 4.1541% | 1,399 |
| Noninterest income to average assets | 0.7697% | 2,327 |
| Noninterest expense to average assets | 6.4441% | 174 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -2.2401% | 6,862 |
| Return on assets (ROA) | -2.2401% | 6,870 |
| Pretax return on assets | -2.2303% | 6,863 |
| Return on Equity (ROE) | -41.9593% | 6,895 |
| Retained earnings to average equity (ytd only) | -41.9593% | 6,889 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 152.9274% | 70 |
| Assets per employee ($millions) | 3.4747% | 4,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1707% | 5,144 |
| Loan loss allowance to noncurrent loans | 100.5814% | 3,445 |
| Noncurrent assets plus other real estate owned to assets | 13.0180% | 85 |
| Noncurrent loans to loans | 1.1639% | 3,614 |
| Net loans and leases to total assets | 70.0547% | 1,867 |
| Net loans and leases to deposits | 74.2539% | 3,115 |
| Net loans and leases to core deposits | 77.5089% | 3,358 |
| Total domestic deposits to total assets | 94.3448% | 51 |
| Equity capital to assets | 5.1612% | 6,815 |
| Core capital (leverage) ratio | 5.2277% | 6,812 |
| Tier 1 risk-based capital ratio | 7.2111% | 6,834 |
| Total risk-based capital ratio | 8.3836% | 6,839 |
| Memoranda: | ||
| Average total assets | $20,266,670 | 6,819 |
| Average earning assets | $16,802,670 | 6,830 |
| Average equity | $1,082,000 | 6,919 |
| Average total loans | $14,357,670 | 6,550 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2437% | 562 |
| Cost of funding earning assets | 1.1219% | 333 |
| Net interest margin | 4.1218% | 1,398 |
| Noninterest income to average assets | 0.8210% | 2,041 |
| Noninterest expense to average assets | 8.3100% | 115 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -4.1249% | 6,983 |
| Return on assets (ROA) | -4.1249% | 6,984 |
| Pretax return on assets | -4.1049% | 6,984 |
| Return on Equity (ROE) | -75.9447% | 6,992 |
| Retained earnings to average equity (ytd only) | -75.9447% | 6,990 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 197.6190% | 40 |
| Assets per employee ($millions) | 3.3900% | 5,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1982% | 5,186 |
| Loan loss allowance to noncurrent loans | 100.5814% | 3,343 |
| Noncurrent assets plus other real estate owned to assets | 13.7070% | 97 |
| Noncurrent loans to loans | 1.1913% | 3,782 |
| Net loans and leases to total assets | 70.1327% | 1,636 |
| Net loans and leases to deposits | 74.3860% | 2,870 |
| Net loans and leases to core deposits | 77.7215% | 3,114 |
| Total domestic deposits to total assets | 94.2822% | 62 |
| Equity capital to assets | 5.3097% | 6,873 |
| Core capital (leverage) ratio | 5.2650% | 6,861 |
| Tier 1 risk-based capital ratio | 7.2721% | 6,885 |
| Total risk-based capital ratio | 8.4714% | 6,889 |
| Memoranda: | ||
| Average total assets | $19,976,000 | 6,900 |
| Average earning assets | $16,400,500 | 6,909 |
| Average equity | $1,085,000 | 6,989 |
| Average total loans | $14,147,500 | 6,615 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1753% | 1,162 |
| Cost of funding earning assets | 1.2641% | 430 |
| Net interest margin | 3.9111% | 2,782 |
| Noninterest income to average assets | 0.9160% | 1,811 |
| Noninterest expense to average assets | 7.2845% | 134 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -3.1672% | 7,017 |
| Return on assets (ROA) | -3.1672% | 7,021 |
| Pretax return on assets | -3.1574% | 7,022 |
| Return on Equity (ROE) | -59.6440% | 7,035 |
| Retained earnings to average equity (ytd only) | -59.6440% | 7,033 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 176.5053% | 59 |
| Assets per employee ($millions) | 3.2687% | 5,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2485% | 4,884 |
| Loan loss allowance to noncurrent loans | 78.9954% | 3,945 |
| Noncurrent assets plus other real estate owned to assets | 14.7920% | 83 |
| Noncurrent loans to loans | 1.5804% | 3,249 |
| Net loans and leases to total assets | 69.7736% | 1,888 |
| Net loans and leases to deposits | 73.9956% | 3,087 |
| Net loans and leases to core deposits | 77.4332% | 3,346 |
| Total domestic deposits to total assets | 94.2943% | 57 |
| Equity capital to assets | 5.5578% | 6,919 |
| Core capital (leverage) ratio | 5.2776% | 6,916 |
| Tier 1 risk-based capital ratio | 7.2448% | 6,943 |
| Total risk-based capital ratio | 8.4317% | 6,948 |
| Memoranda: | ||
| Average total assets | $20,523,000 | 6,948 |
| Average earning assets | $16,849,400 | 6,960 |
| Average equity | $1,089,800 | 7,058 |
| Average total loans | $13,485,200 | 6,714 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0916% | 1,449 |
| Cost of funding earning assets | 1.2807% | 482 |
| Net interest margin | 3.8109% | 3,292 |
| Noninterest income to average assets | 0.6875% | 2,773 |
| Noninterest expense to average assets | 7.5498% | 123 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -3.7395% | 7,133 |
| Return on assets (ROA) | -3.7395% | 7,135 |
| Pretax return on assets | -3.7267% | 7,133 |
| Return on Equity (ROE) | -71.2072% | 7,149 |
| Retained earnings to average equity (ytd only) | -71.2072% | 7,145 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 197.4790% | 37 |
| Assets per employee ($millions) | 3.4162% | 5,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2812% | 4,896 |
| Loan loss allowance to noncurrent loans | 78.9954% | 3,874 |
| Noncurrent assets plus other real estate owned to assets | 14.2753% | 100 |
| Noncurrent loans to loans | 1.6219% | 3,361 |
| Net loans and leases to total assets | 65.0339% | 2,830 |
| Net loans and leases to deposits | 68.9959% | 4,030 |
| Net loans and leases to core deposits | 73.0611% | 4,112 |
| Total domestic deposits to total assets | 94.2577% | 64 |
| Equity capital to assets | 5.2056% | 7,038 |
| Core capital (leverage) ratio | 5.0576% | 7,023 |
| Tier 1 risk-based capital ratio | 6.9047% | 7,054 |
| Total risk-based capital ratio | 8.0724% | 7,058 |
| Memoranda: | ||
| Average total assets | $20,750,750 | 7,041 |
| Average earning assets | $17,073,500 | 7,049 |
| Average equity | $1,089,750 | 7,155 |
| Average total loans | $13,392,250 | 6,809 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0923% | 1,523 |
| Cost of funding earning assets | 1.3168% | 484 |
| Net interest margin | 3.7756% | 3,476 |
| Noninterest income to average assets | 0.6815% | 2,763 |
| Noninterest expense to average assets | 7.9864% | 112 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -4.2140% | 7,197 |
| Return on assets (ROA) | -4.2140% | 7,198 |
| Pretax return on assets | -4.1948% | 7,195 |
| Return on Equity (ROE) | -80.0124% | 7,199 |
| Retained earnings to average equity (ytd only) | -80.0124% | 7,195 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 210.6329% | 35 |
| Assets per employee ($millions) | 4.0680% | 3,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2983% | 4,900 |
| Loan loss allowance to noncurrent loans | 78.9954% | 3,835 |
| Noncurrent assets plus other real estate owned to assets | 14.6165% | 107 |
| Noncurrent loans to loans | 1.6435% | 3,443 |
| Net loans and leases to total assets | 64.6608% | 2,894 |
| Net loans and leases to deposits | 68.6753% | 4,093 |
| Net loans and leases to core deposits | 72.7434% | 4,205 |
| Total domestic deposits to total assets | 94.1544% | 73 |
| Equity capital to assets | 5.5162% | 7,064 |
| Core capital (leverage) ratio | 5.3393% | 7,045 |
| Tier 1 risk-based capital ratio | 7.2824% | 7,075 |
| Total risk-based capital ratio | 8.4361% | 7,085 |
| Memoranda: | ||
| Average total assets | $20,835,330 | 7,098 |
| Average earning assets | $17,163,000 | 7,109 |
| Average equity | $1,097,330 | 7,211 |
| Average total loans | $13,355,330 | 6,864 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0476% | 1,728 |
| Cost of funding earning assets | 1.3537% | 505 |
| Net interest margin | 3.6939% | 3,862 |
| Noninterest income to average assets | -2.0111% | 7,298 |
| Noninterest expense to average assets | 7.4183% | 129 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -6.4127% | 7,284 |
| Return on assets (ROA) | -6.4127% | 7,286 |
| Pretax return on assets | -6.3748% | 7,285 |
| Return on Equity (ROE) | -124.6083% | 7,278 |
| Retained earnings to average equity (ytd only) | -124.6083% | 7,274 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 710.9091% | 4 |
| Assets per employee ($millions) | 4.1836% | 3,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3304% | 4,886 |
| Loan loss allowance to noncurrent loans | 28.5479% | 6,243 |
| Noncurrent assets plus other real estate owned to assets | 14.9297% | 107 |
| Noncurrent loans to loans | 4.6601% | 1,230 |
| Net loans and leases to total assets | 61.3395% | 3,384 |
| Net loans and leases to deposits | 65.0857% | 4,477 |
| Net loans and leases to core deposits | 68.8137% | 4,588 |
| Total domestic deposits to total assets | 94.2442% | 85 |
| Equity capital to assets | 4.8666% | 7,147 |
| Core capital (leverage) ratio | 4.7860% | 7,134 |
| Tier 1 risk-based capital ratio | 6.6417% | 7,151 |
| Total risk-based capital ratio | 7.7999% | 7,156 |
| Memoranda: | ||
| Average total assets | $21,083,000 | 7,154 |
| Average earning assets | $17,434,000 | 7,161 |
| Average equity | $1,085,000 | 7,271 |
| Average total loans | $13,370,500 | 6,920 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3210% | 1,640 |
| Cost of funding earning assets | 1.6036% | 475 |
| Net interest margin | 3.7174% | 4,218 |
| Noninterest income to average assets | -0.9983% | 7,323 |
| Noninterest expense to average assets | 5.7884% | 233 |
| Loan and lease loss provision to assets | -0.1049% | 7,279 |
| Net operating income to assets | -3.4731% | 7,223 |
| Return on assets (ROA) | -3.4731% | 7,226 |
| Pretax return on assets | -3.4731% | 7,231 |
| Return on Equity (ROE) | -59.2784% | 7,241 |
| Retained earnings to average equity (ytd only) | -59.2784% | 7,241 |
| Net charge-offs to loans | 1.8618% | 776 |
| Credit loss provision to net charge-offs | -8.2508% | 6,611 |
| Earnings coverage of net charge-offs (x) | -2.8152% | 6,317 |
| Efficiency ratio | 261.8596% | 31 |
| Assets per employee ($millions) | 4.2496% | 3,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2594% | 5,115 |
| Loan loss allowance to noncurrent loans | 28.5479% | 6,277 |
| Noncurrent assets plus other real estate owned to assets | 15.3567% | 106 |
| Noncurrent loans to loans | 4.4114% | 1,363 |
| Net loans and leases to total assets | 63.8366% | 3,226 |
| Net loans and leases to deposits | 67.6745% | 4,487 |
| Net loans and leases to core deposits | 71.4722% | 4,595 |
| Total domestic deposits to total assets | 94.3289% | 81 |
| Equity capital to assets | 5.4217% | 7,139 |
| Core capital (leverage) ratio | 5.1372% | 7,131 |
| Tier 1 risk-based capital ratio | 7.3912% | 7,137 |
| Total risk-based capital ratio | 8.5218% | 7,144 |
| Memoranda: | ||
| Average total assets | $23,840,600 | 7,129 |
| Average earning assets | $20,578,800 | 7,131 |
| Average equity | $1,396,800 | 7,300 |
| Average total loans | $16,275,000 | 6,835 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3734% | 1,594 |
| Cost of funding earning assets | 1.6495% | 475 |
| Net interest margin | 3.7239% | 4,235 |
| Noninterest income to average assets | -0.3103% | 7,299 |
| Noninterest expense to average assets | 5.9454% | 206 |
| Loan and lease loss provision to assets | -0.1361% | 7,369 |
| Net operating income to assets | -2.8747% | 7,254 |
| Return on assets (ROA) | -2.8747% | 7,264 |
| Pretax return on assets | -2.8747% | 7,258 |
| Return on Equity (ROE) | -48.2840% | 7,285 |
| Retained earnings to average equity (ytd only) | -48.2840% | 7,279 |
| Net charge-offs to loans | 2.3891% | 473 |
| Credit loss provision to net charge-offs | -8.2508% | 6,407 |
| Earnings coverage of net charge-offs (x) | -1.8251% | 6,005 |
| Efficiency ratio | 202.5974% | 48 |
| Assets per employee ($millions) | 3.8273% | 4,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1635% | 5,626 |
| Loan loss allowance to noncurrent loans | 28.5479% | 6,334 |
| Noncurrent assets plus other real estate owned to assets | 15.0279% | 130 |
| Noncurrent loans to loans | 4.0756% | 1,629 |
| Net loans and leases to total assets | 63.9958% | 3,306 |
| Net loans and leases to deposits | 67.8423% | 4,637 |
| Net loans and leases to core deposits | 71.3398% | 4,801 |
| Total domestic deposits to total assets | 94.3303% | 72 |
| Equity capital to assets | 5.4651% | 7,230 |
| Core capital (leverage) ratio | 5.1781% | 7,216 |
| Tier 1 risk-based capital ratio | 7.4498% | 7,220 |
| Total risk-based capital ratio | 8.4967% | 7,230 |
| Memoranda: | ||
| Average total assets | $24,488,750 | 7,188 |
| Average earning assets | $21,339,250 | 7,193 |
| Average equity | $1,458,000 | 7,369 |
| Average total loans | $16,909,500 | 6,875 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8686% | 3,758 |
| Cost of funding earning assets | 1.6742% | 519 |
| Net interest margin | 3.1945% | 6,176 |
| Noninterest income to average assets | -0.9361% | 7,474 |
| Noninterest expense to average assets | 5.4327% | 275 |
| Loan and lease loss provision to assets | -0.2000% | 7,448 |
| Net operating income to assets | -3.3444% | 7,346 |
| Return on assets (ROA) | -3.3444% | 7,355 |
| Pretax return on assets | -3.3444% | 7,346 |
| Return on Equity (ROE) | -54.7956% | 7,356 |
| Retained earnings to average equity (ytd only) | -54.7956% | 7,353 |
| Net charge-offs to loans | 3.3770% | 273 |
| Credit loss provision to net charge-offs | -8.4175% | 6,175 |
| Earnings coverage of net charge-offs (x) | -1.4916% | 5,683 |
| Efficiency ratio | 287.7119% | 29 |
| Assets per employee ($millions) | 4.0160% | 3,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0854% | 6,014 |
| Loan loss allowance to noncurrent loans | 15.4710% | 6,854 |
| Noncurrent assets plus other real estate owned to assets | 17.5797% | 94 |
| Noncurrent loans to loans | 7.0159% | 735 |
| Net loans and leases to total assets | 67.6959% | 2,673 |
| Net loans and leases to deposits | 71.8622% | 4,134 |
| Net loans and leases to core deposits | 75.3754% | 4,393 |
| Total domestic deposits to total assets | 94.2024% | 71 |
| Equity capital to assets | 5.6233% | 7,283 |
| Core capital (leverage) ratio | 5.5013% | 7,255 |
| Tier 1 risk-based capital ratio | 7.2889% | 7,296 |
| Total risk-based capital ratio | 8.2626% | 7,313 |
| Memoranda: | ||
| Average total assets | $24,997,000 | 7,237 |
| Average earning assets | $22,100,670 | 7,242 |
| Average equity | $1,525,670 | 7,433 |
| Average total loans | $17,589,670 | 6,912 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4925% | 5,362 |
| Cost of funding earning assets | 1.6761% | 619 |
| Net interest margin | 2.8165% | 6,879 |
| Noninterest income to average assets | -1.8234% | 7,557 |
| Noninterest expense to average assets | 4.6527% | 509 |
| Loan and lease loss provision to assets | 0.5344% | 1,627 |
| Net operating income to assets | -4.4484% | 7,468 |
| Return on assets (ROA) | -4.4484% | 7,469 |
| Pretax return on assets | -4.4484% | 7,458 |
| Return on Equity (ROE) | -70.2669% | 7,468 |
| Retained earnings to average equity (ytd only) | -70.2669% | 7,460 |
| Net charge-offs to loans | 1.4334% | 954 |
| Credit loss provision to net charge-offs | 52.3077% | 3,708 |
| Earnings coverage of net charge-offs (x) | -3.8308% | 5,006 |
| Efficiency ratio | 629.7872% | 4 |
| Assets per employee ($millions) | 4.2617% | 3,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6032% | 1,307 |
| Loan loss allowance to noncurrent loans | 14.7197% | 6,925 |
| Noncurrent assets plus other real estate owned to assets | 17.4932% | 97 |
| Noncurrent loans to loans | 17.6849% | 94 |
| Net loans and leases to total assets | 68.7720% | 2,387 |
| Net loans and leases to deposits | 74.6677% | 3,656 |
| Net loans and leases to core deposits | 78.1695% | 3,993 |
| Total domestic deposits to total assets | 92.1040% | 256 |
| Equity capital to assets | 5.7646% | 7,309 |
| Core capital (leverage) ratio | 5.7213% | 7,292 |
| Tier 1 risk-based capital ratio | 8.2315% | 7,278 |
| Total risk-based capital ratio | 9.4983% | 7,280 |
| Memoranda: | ||
| Average total assets | $25,447,500 | 7,279 |
| Average earning assets | $23,149,500 | 7,261 |
| Average equity | $1,611,000 | 7,466 |
| Average total loans | $18,139,000 | 6,934 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1813% | 3,698 |
| Cost of funding earning assets | 1.9386% | 747 |
| Net interest margin | 3.2427% | 6,159 |
| Noninterest income to average assets | -0.7523% | 7,596 |
| Noninterest expense to average assets | 4.7064% | 541 |
| Loan and lease loss provision to assets | 0.7560% | 2,170 |
| Net operating income to assets | -3.4687% | 7,370 |
| Return on assets (ROA) | -3.4687% | 7,384 |
| Pretax return on assets | -3.4687% | 7,361 |
| Return on Equity (ROE) | -43.0305% | 7,377 |
| Retained earnings to average equity (ytd only) | -43.0305% | 7,370 |
| Net charge-offs to loans | 0.1001% | 5,861 |
| Credit loss provision to net charge-offs | 1,020.0000% | 215 |
| Earnings coverage of net charge-offs (x) | -36.6000% | 6,833 |
| Efficiency ratio | 236.0595% | 58 |
| Assets per employee ($millions) | 4.2208% | 3,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7493% | 1,112 |
| Loan loss allowance to noncurrent loans | 13.8858% | 7,017 |
| Noncurrent assets plus other real estate owned to assets | 18.4837% | 84 |
| Noncurrent loans to loans | 19.7992% | 72 |
| Net loans and leases to total assets | 69.9783% | 2,538 |
| Net loans and leases to deposits | 78.7609% | 3,374 |
| Net loans and leases to core deposits | 82.6239% | 3,800 |
| Total domestic deposits to total assets | 88.8490% | 1,746 |
| Equity capital to assets | 6.9023% | 7,140 |
| Core capital (leverage) ratio | 6.6593% | 7,154 |
| Tier 1 risk-based capital ratio | 9.2540% | 7,194 |
| Total risk-based capital ratio | 10.5219% | 7,196 |
| Memoranda: | ||
| Average total assets | $26,984,400 | 7,292 |
| Average earning assets | $22,851,600 | 7,325 |
| Average equity | $2,175,200 | 7,474 |
| Average total loans | $19,987,600 | 6,924 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4838% | 2,497 |
| Cost of funding earning assets | 1.9723% | 822 |
| Net interest margin | 3.5115% | 5,244 |
| Noninterest income to average assets | -0.2920% | 7,627 |
| Noninterest expense to average assets | 4.8467% | 427 |
| Loan and lease loss provision to assets | 0.1216% | 5,811 |
| Net operating income to assets | -2.3406% | 7,311 |
| Return on assets (ROA) | -2.3406% | 7,328 |
| Pretax return on assets | -2.3406% | 7,281 |
| Return on Equity (ROE) | -28.1034% | 7,355 |
| Retained earnings to average equity (ytd only) | -28.1034% | 7,346 |
| Net charge-offs to loans | 0.7310% | 2,592 |
| Credit loss provision to net charge-offs | 22.3214% | 6,224 |
| Earnings coverage of net charge-offs (x) | -4.0714% | 6,578 |
| Efficiency ratio | 184.4444% | 111 |
| Assets per employee ($millions) | 5.5494% | 1,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1634% | 5,653 |
| Loan loss allowance to noncurrent loans | 12.7978% | 7,125 |
| Noncurrent assets plus other real estate owned to assets | 13.1113% | 224 |
| Noncurrent loans to loans | 9.0905% | 522 |
| Net loans and leases to total assets | 70.7284% | 2,556 |
| Net loans and leases to deposits | 80.2757% | 3,398 |
| Net loans and leases to core deposits | 83.8819% | 3,957 |
| Total domestic deposits to total assets | 88.1068% | 1,899 |
| Equity capital to assets | 7.9792% | 6,815 |
| Core capital (leverage) ratio | 8.1451% | 6,129 |
| Tier 1 risk-based capital ratio | 10.5741% | 6,728 |
| Total risk-based capital ratio | 11.6773% | 6,814 |
| Memoranda: | ||
| Average total assets | $27,399,250 | 7,374 |
| Average earning assets | $22,781,750 | 7,425 |
| Average equity | $2,282,000 | 7,551 |
| Average total loans | $20,428,750 | 6,991 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4832% | 2,604 |
| Cost of funding earning assets | 1.9907% | 931 |
| Net interest margin | 3.4925% | 5,278 |
| Noninterest income to average assets | 0.2199% | 6,340 |
| Noninterest expense to average assets | 4.7062% | 471 |
| Loan and lease loss provision to assets | 1.2828% | 1,078 |
| Net operating income to assets | -2.8369% | 7,482 |
| Return on assets (ROA) | -2.8369% | 7,493 |
| Pretax return on assets | -2.8369% | 7,440 |
| Return on Equity (ROE) | -33.5840% | 7,472 |
| Retained earnings to average equity (ytd only) | -33.5840% | 7,463 |
| Net charge-offs to loans | 0.3104% | 3,767 |
| Credit loss provision to net charge-offs | 546.8750% | 674 |
| Earnings coverage of net charge-offs (x) | -6.6250% | 6,299 |
| Efficiency ratio | 149.3023% | 212 |
| Assets per employee ($millions) | 4.4797% | 2,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2585% | 1,655 |
| Loan loss allowance to noncurrent loans | 24.2632% | 6,724 |
| Noncurrent assets plus other real estate owned to assets | 14.3984% | 166 |
| Noncurrent loans to loans | 9.3083% | 499 |
| Net loans and leases to total assets | 74.2280% | 1,860 |
| Net loans and leases to deposits | 86.7737% | 2,381 |
| Net loans and leases to core deposits | 87.9209% | 3,555 |
| Total domestic deposits to total assets | 85.5421% | 3,351 |
| Equity capital to assets | 8.6018% | 6,009 |
| Core capital (leverage) ratio | 8.5481% | 5,328 |
| Tier 1 risk-based capital ratio | 10.9467% | 6,298 |
| Total risk-based capital ratio | 12.2083% | 6,275 |
| Memoranda: | ||
| Average total assets | $27,283,330 | 7,437 |
| Average earning assets | $22,906,330 | 7,481 |
| Average equity | $2,304,670 | 7,601 |
| Average total loans | $20,619,670 | 7,033 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2998% | 3,552 |
| Cost of funding earning assets | 1.9597% | 1,213 |
| Net interest margin | 3.3401% | 5,815 |
| Noninterest income to average assets | 0.3347% | 5,464 |
| Noninterest expense to average assets | 4.5550% | 542 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -1.3680% | 7,283 |
| Return on assets (ROA) | -1.3680% | 7,296 |
| Pretax return on assets | -1.3680% | 7,209 |
| Return on Equity (ROE) | -16.3407% | 7,350 |
| Retained earnings to average equity (ytd only) | -16.3407% | 7,258 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 142.9224% | 238 |
| Assets per employee ($millions) | 4.5992% | 2,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5177% | 3,822 |
| Loan loss allowance to noncurrent loans | 21.1615% | 6,952 |
| Noncurrent assets plus other real estate owned to assets | 12.5965% | 229 |
| Noncurrent loans to loans | 7.1719% | 818 |
| Net loans and leases to total assets | 74.5425% | 1,846 |
| Net loans and leases to deposits | 86.5231% | 2,500 |
| Net loans and leases to core deposits | 97.9477% | 2,347 |
| Total domestic deposits to total assets | 86.1533% | 3,066 |
| Equity capital to assets | 8.1681% | 6,476 |
| Core capital (leverage) ratio | 8.2690% | 5,803 |
| Tier 1 risk-based capital ratio | 10.0334% | 7,008 |
| Total risk-based capital ratio | 11.2815% | 7,000 |
| Memoranda: | ||
| Average total assets | $27,486,000 | 7,524 |
| Average earning assets | $23,472,500 | 7,549 |
| Average equity | $2,301,000 | 7,687 |
| Average total loans | $20,723,500 | 7,111 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6970% | 3,115 |
| Cost of funding earning assets | 2.5220% | 974 |
| Net interest margin | 3.1750% | 6,173 |
| Noninterest income to average assets | -0.6662% | 7,963 |
| Noninterest expense to average assets | 5.3973% | 415 |
| Loan and lease loss provision to assets | 0.3267% | 4,853 |
| Net operating income to assets | -3.5555% | 7,522 |
| Return on assets (ROA) | -3.5555% | 7,527 |
| Pretax return on assets | -3.5555% | 7,432 |
| Return on Equity (ROE) | -42.7812% | 7,611 |
| Retained earnings to average equity (ytd only) | -42.7812% | 7,596 |
| Net charge-offs to loans | 0.8715% | 2,656 |
| Credit loss provision to net charge-offs | 47.4419% | 6,773 |
| Earnings coverage of net charge-offs (x) | -4.6884% | 7,101 |
| Efficiency ratio | 248.8922% | 88 |
| Assets per employee ($millions) | 3.9110% | 4,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5467% | 3,493 |
| Loan loss allowance to noncurrent loans | 52.6490% | 4,844 |
| Noncurrent assets plus other real estate owned to assets | 9.6906% | 393 |
| Noncurrent loans to loans | 2.9377% | 2,620 |
| Net loans and leases to total assets | 73.9380% | 2,288 |
| Net loans and leases to deposits | 86.2683% | 2,865 |
| Net loans and leases to core deposits | 110.2926% | 2,863 |
| Total domestic deposits to total assets | 85.7070% | 3,159 |
| Equity capital to assets | 8.5765% | 5,758 |
| Core capital (leverage) ratio | 8.0584% | 6,066 |
| Tier 1 risk-based capital ratio | 10.1091% | 6,782 |
| Total risk-based capital ratio | 11.3765% | 6,732 |
| Memoranda: | ||
| Average total assets | $31,219,600 | 7,432 |
| Average earning assets | $27,874,200 | 7,433 |
| Average equity | $2,594,600 | 7,708 |
| Average total loans | $24,670,400 | 6,935 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5995% | 3,867 |
| Cost of funding earning assets | 2.5763% | 1,086 |
| Net interest margin | 3.0232% | 6,541 |
| Noninterest income to average assets | -0.8535% | 8,068 |
| Noninterest expense to average assets | 3.7538% | 1,700 |
| Loan and lease loss provision to assets | 0.4226% | 3,790 |
| Net operating income to assets | -2.2829% | 7,402 |
| Return on assets (ROA) | -2.2829% | 7,393 |
| Pretax return on assets | -2.2829% | 7,278 |
| Return on Equity (ROE) | -27.6574% | 7,559 |
| Retained earnings to average equity (ytd only) | -27.6574% | 7,544 |
| Net charge-offs to loans | 0.4254% | 3,554 |
| Credit loss provision to net charge-offs | 124.3902% | 4,051 |
| Earnings coverage of net charge-offs (x) | -5.4756% | 6,860 |
| Efficiency ratio | 198.2495% | 159 |
| Assets per employee ($millions) | 5.1080% | 2,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9805% | 1,845 |
| Loan loss allowance to noncurrent loans | 22.0805% | 6,975 |
| Noncurrent assets plus other real estate owned to assets | 13.0971% | 177 |
| Noncurrent loans to loans | 8.9693% | 501 |
| Net loans and leases to total assets | 72.6703% | 2,867 |
| Net loans and leases to deposits | 90.7099% | 2,445 |
| Net loans and leases to core deposits | 116.3880% | 2,584 |
| Total domestic deposits to total assets | 80.1129% | 5,392 |
| Equity capital to assets | 8.1767% | 6,666 |
| Core capital (leverage) ratio | 8.1693% | 6,070 |
| Tier 1 risk-based capital ratio | 9.9825% | 7,002 |
| Total risk-based capital ratio | 11.2387% | 6,951 |
| Memoranda: | ||
| Average total assets | $32,180,250 | 7,459 |
| Average earning assets | $29,240,000 | 7,451 |
| Average equity | $2,656,250 | 7,762 |
| Average total loans | $25,698,000 | 6,932 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5482% | 4,343 |
| Cost of funding earning assets | 2.6347% | 1,199 |
| Net interest margin | 2.9135% | 6,769 |
| Noninterest income to average assets | -1.2970% | 8,167 |
| Noninterest expense to average assets | 3.6646% | 1,907 |
| Loan and lease loss provision to assets | 0.4588% | 3,232 |
| Net operating income to assets | -2.7347% | 7,615 |
| Return on assets (ROA) | -2.7347% | 7,606 |
| Pretax return on assets | -2.7347% | 7,482 |
| Return on Equity (ROE) | -33.0337% | 7,755 |
| Retained earnings to average equity (ytd only) | -33.0337% | 7,731 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 263.8767% | 104 |
| Assets per employee ($millions) | 5.0130% | 2,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9687% | 1,638 |
| Loan loss allowance to noncurrent loans | 26.2884% | 6,758 |
| Noncurrent assets plus other real estate owned to assets | 10.8751% | 237 |
| Noncurrent loans to loans | 7.4887% | 624 |
| Net loans and leases to total assets | 83.6060% | 692 |
| Net loans and leases to deposits | 105.3322% | 806 |
| Net loans and leases to core deposits | 135.3955% | 1,249 |
| Total domestic deposits to total assets | 79.3736% | 5,700 |
| Equity capital to assets | 8.6774% | 5,788 |
| Core capital (leverage) ratio | 8.3121% | 5,777 |
| Tier 1 risk-based capital ratio | 10.1336% | 6,794 |
| Total risk-based capital ratio | 11.3954% | 6,702 |
| Memoranda: | ||
| Average total assets | $32,691,000 | 7,499 |
| Average earning assets | $30,136,000 | 7,477 |
| Average equity | $2,706,330 | 7,817 |
| Average total loans | $26,690,000 | 6,932 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9791% | 6,985 |
| Cost of funding earning assets | 2.6723% | 1,337 |
| Net interest margin | 2.3068% | 7,709 |
| Noninterest income to average assets | 0.0471% | 7,852 |
| Noninterest expense to average assets | 3.4355% | 2,266 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -1.2354% | 7,384 |
| Return on assets (ROA) | -1.2354% | 7,401 |
| Pretax return on assets | -1.2354% | 7,270 |
| Return on Equity (ROE) | -15.2478% | 7,610 |
| Retained earnings to average equity (ytd only) | -15.2478% | 7,449 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 156.1497% | 326 |
| Assets per employee ($millions) | 5.6288% | 1,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6446% | 2,327 |
| Loan loss allowance to noncurrent loans | 14.9461% | 7,400 |
| Noncurrent assets plus other real estate owned to assets | 10.9910% | 181 |
| Noncurrent loans to loans | 11.0036% | 224 |
| Net loans and leases to total assets | 76.1437% | 2,239 |
| Net loans and leases to deposits | 93.7172% | 2,317 |
| Net loans and leases to core deposits | 119.5259% | 2,461 |
| Total domestic deposits to total assets | 81.2483% | 4,868 |
| Equity capital to assets | 8.0005% | 6,810 |
| Core capital (leverage) ratio | 7.6540% | 6,946 |
| Tier 1 risk-based capital ratio | 9.9294% | 7,003 |
| Total risk-based capital ratio | 11.1826% | 6,897 |
| Memoranda: | ||
| Average total assets | $33,997,500 | 7,491 |
| Average earning assets | $31,732,500 | 7,450 |
| Average equity | $2,754,500 | 7,852 |
| Average total loans | $27,209,000 | 6,928 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5613% | 2,663 |
| Cost of funding earning assets | 3.2348% | 1,084 |
| Net interest margin | 3.3265% | 5,941 |
| Noninterest income to average assets | 0.0736% | 7,771 |
| Noninterest expense to average assets | 3.1181% | 3,630 |
| Loan and lease loss provision to assets | 1.2080% | 1,190 |
| Net operating income to assets | -1.1375% | 7,316 |
| Return on assets (ROA) | -1.1375% | 7,255 |
| Pretax return on assets | -1.1375% | 7,083 |
| Return on Equity (ROE) | -12.1480% | 7,433 |
| Retained earnings to average equity (ytd only) | -12.7701% | 7,312 |
| Net charge-offs to loans | 1.0357% | 1,193 |
| Credit loss provision to net charge-offs | 137.2822% | 3,878 |
| Earnings coverage of net charge-offs (x) | 0.0801% | 6,200 |
| Efficiency ratio | 97.7885% | 1,067 |
| Assets per employee ($millions) | 4.8889% | 2,064 |
| Cash dividends to net income (ytd only)* | -5.1213% | 7,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5209% | 2,584 |
| Loan loss allowance to noncurrent loans | 25.0437% | 7,008 |
| Noncurrent assets plus other real estate owned to assets | 7.4572% | 326 |
| Noncurrent loans to loans | 6.0731% | 580 |
| Net loans and leases to total assets | 81.3570% | 1,346 |
| Net loans and leases to deposits | 100.1547% | 1,819 |
| Net loans and leases to core deposits | 128.4047% | 1,972 |
| Total domestic deposits to total assets | 81.2314% | 4,543 |
| Equity capital to assets | 8.2023% | 6,548 |
| Core capital (leverage) ratio | 8.7906% | 5,056 |
| Tier 1 risk-based capital ratio | 9.7465% | 7,024 |
| Total risk-based capital ratio | 11.0000% | 6,919 |
| Memoranda: | ||
| Average total assets | $32,616,000 | 7,528 |
| Average earning assets | $30,542,600 | 7,490 |
| Average equity | $3,054,000 | 7,820 |
| Average total loans | $27,711,000 | 6,862 |