Home > Mutual Savings Bank > Performance and Condition Ratios
Mutual Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5171% | 3,072 |
| Cost of funding earning assets | 1.6528% | 1,561 |
| Net interest margin | 2.8644% | 3,551 |
| Noninterest income to average assets | 0.1400% | 4,103 |
| Noninterest expense to average assets | 3.6952% | 468 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | -0.8185% | 4,527 |
| Return on assets (ROA) | -0.8185% | 4,516 |
| Pretax return on assets | -0.8185% | 4,512 |
| Return on Equity (ROE) | -3.7100% | 4,454 |
| Retained earnings to average equity (ytd only) | -3.7109% | 4,360 |
| Net charge-offs to loans | 0.0028% | 2,689 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | -414.0000% | 4,607 |
| Efficiency ratio | 128.4536% | 65 |
| Assets per employee ($millions) | 4.5859% | 3,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8205% | 3,919 |
| Loan loss allowance to noncurrent loans | 242.8571% | 2,301 |
| Noncurrent assets plus other real estate owned to assets | 0.3648% | 1,510 |
| Noncurrent loans to loans | 0.3378% | 1,969 |
| Net loans and leases to total assets | 73.3300% | 1,436 |
| Net loans and leases to deposits | 113.5224% | 139 |
| Net loans and leases to core deposits | 141.4277% | 265 |
| Total domestic deposits to total assets | 64.5900% | 4,397 |
| Equity capital to assets | 21.8832% | 243 |
| Core capital (leverage) ratio | 23.6830% | 182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.7172% | 168 |
| Memoranda: | ||
| Average total assets | $50,579,200 | 4,319 |
| Average earning assets | $48,282,800 | 4,271 |
| Average equity | $11,156,400 | 3,604 |
| Average total loans | $35,913,800 | 4,053 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4493% | 3,006 |
| Cost of funding earning assets | 1.5419% | 1,500 |
| Net interest margin | 2.9073% | 3,528 |
| Noninterest income to average assets | 0.1500% | 4,067 |
| Noninterest expense to average assets | 3.8408% | 402 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | -0.9167% | 4,564 |
| Return on assets (ROA) | -0.9167% | 4,558 |
| Pretax return on assets | -0.9167% | 4,548 |
| Return on Equity (ROE) | -4.1500% | 4,490 |
| Retained earnings to average equity (ytd only) | -4.1480% | 4,405 |
| Net charge-offs to loans | 0.0037% | 2,362 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | -348.0000% | 4,635 |
| Efficiency ratio | 131.3514% | 62 |
| Assets per employee ($millions) | 4.6648% | 3,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8246% | 3,932 |
| Loan loss allowance to noncurrent loans | 240.9449% | 2,280 |
| Noncurrent assets plus other real estate owned to assets | 0.3605% | 1,594 |
| Noncurrent loans to loans | 0.3422% | 2,006 |
| Net loans and leases to total assets | 71.7200% | 1,611 |
| Net loans and leases to deposits | 103.6500% | 365 |
| Net loans and leases to core deposits | 128.0683% | 366 |
| Total domestic deposits to total assets | 69.2000% | 4,341 |
| Equity capital to assets | 21.3435% | 253 |
| Core capital (leverage) ratio | 23.2813% | 188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.6243% | 170 |
| Memoranda: | ||
| Average total assets | $50,612,750 | 4,332 |
| Average earning assets | $48,336,250 | 4,288 |
| Average equity | $11,185,750 | 3,603 |
| Average total loans | $35,568,500 | 4,078 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2973% | 3,105 |
| Cost of funding earning assets | 1.4255% | 1,381 |
| Net interest margin | 2.8718% | 3,698 |
| Noninterest income to average assets | 0.1500% | 4,060 |
| Noninterest expense to average assets | 3.6721% | 451 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | -0.7781% | 4,586 |
| Return on assets (ROA) | -0.7781% | 4,580 |
| Pretax return on assets | -0.7781% | 4,575 |
| Return on Equity (ROE) | -3.4800% | 4,521 |
| Retained earnings to average equity (ytd only) | -3.4802% | 4,364 |
| Net charge-offs to loans | 0.0057% | 2,043 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | -196.0000% | 4,661 |
| Efficiency ratio | 126.8861% | 60 |
| Assets per employee ($millions) | 4.0097% | 4,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8337% | 3,942 |
| Loan loss allowance to noncurrent loans | 106.6202% | 3,210 |
| Noncurrent assets plus other real estate owned to assets | 0.6619% | 800 |
| Noncurrent loans to loans | 0.7819% | 969 |
| Net loans and leases to total assets | 69.8300% | 1,763 |
| Net loans and leases to deposits | 100.8646% | 478 |
| Net loans and leases to core deposits | 125.1435% | 404 |
| Total domestic deposits to total assets | 69.2300% | 4,375 |
| Equity capital to assets | 21.4883% | 242 |
| Core capital (leverage) ratio | 23.7707% | 177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.1578% | 165 |
| Memoranda: | ||
| Average total assets | $50,379,333 | 4,355 |
| Average earning assets | $48,123,333 | 4,310 |
| Average equity | $11,263,667 | 3,605 |
| Average total loans | $35,055,000 | 4,095 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1159% | 3,225 |
| Cost of funding earning assets | 1.2424% | 1,355 |
| Net interest margin | 2.8735% | 3,827 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 3.7571% | 423 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -0.8161% | 4,611 |
| Return on assets (ROA) | -0.8161% | 4,603 |
| Pretax return on assets | -0.8161% | 4,593 |
| Return on Equity (ROE) | -3.5800% | 4,533 |
| Retained earnings to average equity (ytd only) | -3.5768% | 4,270 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 127.7473% | 58 |
| Assets per employee ($millions) | 3.8968% | 4,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8648% | 3,950 |
| Loan loss allowance to noncurrent loans | 87.7143% | 3,424 |
| Noncurrent assets plus other real estate owned to assets | 0.6909% | 713 |
| Noncurrent loans to loans | 0.9859% | 744 |
| Net loans and leases to total assets | 69.4700% | 1,675 |
| Net loans and leases to deposits | 96.9745% | 602 |
| Net loans and leases to core deposits | 118.8913% | 471 |
| Total domestic deposits to total assets | 71.6400% | 4,370 |
| Equity capital to assets | 22.2586% | 188 |
| Core capital (leverage) ratio | 24.8969% | 167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.7471% | 166 |
| Memoranda: | ||
| Average total assets | $49,506,000 | 4,419 |
| Average earning assets | $47,329,000 | 4,380 |
| Average equity | $11,295,000 | 3,645 |
| Average total loans | $34,230,500 | 4,168 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3854% | 3,379 |
| Cost of funding earning assets | 0.4544% | 1,688 |
| Net interest margin | 2.9310% | 3,609 |
| Noninterest income to average assets | 0.1700% | 4,121 |
| Noninterest expense to average assets | 3.8149% | 380 |
| Loan and lease loss provision to assets | -0.5100% | 4,698 |
| Net operating income to assets | -0.3330% | 4,625 |
| Return on assets (ROA) | -0.3330% | 4,616 |
| Pretax return on assets | -0.3330% | 4,607 |
| Return on Equity (ROE) | -1.3800% | 4,578 |
| Retained earnings to average equity (ytd only) | -1.3843% | 4,460 |
| Net charge-offs to loans | 0.1125% | 667 |
| Credit loss provision to net charge-offs | -735.2941% | 4,652 |
| Earnings coverage of net charge-offs (x) | -12.1176% | 4,700 |
| Efficiency ratio | 128.5319% | 56 |
| Assets per employee ($millions) | 3.4538% | 4,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9314% | 3,665 |
| Loan loss allowance to noncurrent loans | 86.4789% | 3,418 |
| Noncurrent assets plus other real estate owned to assets | 0.7342% | 649 |
| Noncurrent loans to loans | 1.0770% | 669 |
| Net loans and leases to total assets | 67.5300% | 1,882 |
| Net loans and leases to deposits | 93.4467% | 817 |
| Net loans and leases to core deposits | 112.7594% | 526 |
| Total domestic deposits to total assets | 72.2700% | 4,422 |
| Equity capital to assets | 23.3988% | 169 |
| Core capital (leverage) ratio | 25.5683% | 156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.9385% | 152 |
| Memoranda: | ||
| Average total assets | $48,651,800 | 4,450 |
| Average earning assets | $46,434,600 | 4,412 |
| Average equity | $11,703,000 | 3,696 |
| Average total loans | $30,220,800 | 4,239 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1911% | 3,457 |
| Cost of funding earning assets | 0.3498% | 1,705 |
| Net interest margin | 2.8413% | 3,648 |
| Noninterest income to average assets | 0.1500% | 4,253 |
| Noninterest expense to average assets | 3.8363% | 366 |
| Loan and lease loss provision to assets | -0.6800% | 4,741 |
| Net operating income to assets | -0.2928% | 4,659 |
| Return on assets (ROA) | -0.2928% | 4,639 |
| Pretax return on assets | -0.2928% | 4,633 |
| Return on Equity (ROE) | -1.2100% | 4,597 |
| Retained earnings to average equity (ytd only) | -1.2090% | 4,438 |
| Net charge-offs to loans | 0.1535% | 427 |
| Credit loss provision to net charge-offs | -735.2941% | 4,712 |
| Earnings coverage of net charge-offs (x) | -10.5000% | 4,736 |
| Efficiency ratio | 134.1627% | 51 |
| Assets per employee ($millions) | 3.6660% | 4,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4943% | 4,478 |
| Loan loss allowance to noncurrent loans | 46.5875% | 3,798 |
| Noncurrent assets plus other real estate owned to assets | 0.7071% | 735 |
| Noncurrent loans to loans | 1.0609% | 713 |
| Net loans and leases to total assets | 66.3200% | 1,857 |
| Net loans and leases to deposits | 87.4962% | 1,067 |
| Net loans and leases to core deposits | 103.9156% | 655 |
| Total domestic deposits to total assets | 75.8000% | 4,375 |
| Equity capital to assets | 23.9435% | 152 |
| Core capital (leverage) ratio | 27.0661% | 135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.6146% | 145 |
| Memoranda: | ||
| Average total assets | $48,726,500 | 4,484 |
| Average earning assets | $46,502,750 | 4,444 |
| Average equity | $11,800,250 | 3,735 |
| Average total loans | $29,535,750 | 4,272 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1207% | 3,252 |
| Cost of funding earning assets | 0.3458% | 1,310 |
| Net interest margin | 2.7749% | 3,516 |
| Noninterest income to average assets | 0.1345% | 4,338 |
| Noninterest expense to average assets | 3.8099% | 323 |
| Loan and lease loss provision to assets | -1.0187% | 4,765 |
| Net operating income to assets | -0.0081% | 4,577 |
| Return on assets (ROA) | -0.0081% | 4,547 |
| Pretax return on assets | -0.0081% | 4,540 |
| Return on Equity (ROE) | -0.0335% | 4,547 |
| Retained earnings to average equity (ytd only) | -0.0335% | 4,176 |
| Net charge-offs to loans | 0.2362% | 273 |
| Credit loss provision to net charge-offs | -735.2941% | 3,470 |
| Earnings coverage of net charge-offs (x) | -7.4118% | 2,128 |
| Efficiency ratio | 136.8960% | 50 |
| Assets per employee ($millions) | 3.5725% | 4,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5216% | 4,532 |
| Loan loss allowance to noncurrent loans | 46.3127% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.7299% | 735 |
| Noncurrent loans to loans | 1.1263% | 725 |
| Net loans and leases to total assets | 64.4718% | 1,852 |
| Net loans and leases to deposits | 86.4052% | 944 |
| Net loans and leases to core deposits | 103.4695% | 533 |
| Total domestic deposits to total assets | 74.6156% | 4,515 |
| Equity capital to assets | 25.1195% | 91 |
| Core capital (leverage) ratio | 27.2433% | 84 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.2262% | 95 |
| Memoranda: | ||
| Average total assets | $49,082,667 | 4,521 |
| Average earning assets | $46,848,000 | 4,496 |
| Average equity | $11,930,000 | 3,791 |
| Average total loans | $28,792,667 | 4,346 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9047% | 3,522 |
| Cost of funding earning assets | 0.4150% | 800 |
| Net interest margin | 2.4897% | 3,919 |
| Noninterest income to average assets | 0.1508% | 4,245 |
| Noninterest expense to average assets | 3.8648% | 306 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -1.3333% | 4,748 |
| Return on assets (ROA) | -1.3333% | 4,746 |
| Pretax return on assets | -1.3333% | 4,743 |
| Return on Equity (ROE) | -5.5712% | 4,711 |
| Retained earnings to average equity (ytd only) | -5.5712% | 4,440 |
| Net charge-offs to loans | 0.4833% | 140 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | -4.9412% | 1,807 |
| Efficiency ratio | 152.6646% | 37 |
| Assets per employee ($millions) | 3.6058% | 4,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4195% | 1,833 |
| Loan loss allowance to noncurrent loans | 59.8529% | 3,758 |
| Noncurrent assets plus other real estate owned to assets | 1.4506% | 252 |
| Noncurrent loans to loans | 2.3717% | 264 |
| Net loans and leases to total assets | 60.2974% | 2,033 |
| Net loans and leases to deposits | 80.3462% | 1,124 |
| Net loans and leases to core deposits | 95.9013% | 663 |
| Total domestic deposits to total assets | 75.0469% | 4,537 |
| Equity capital to assets | 24.7376% | 90 |
| Core capital (leverage) ratio | 25.0954% | 92 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.2024% | 91 |
| Memoranda: | ||
| Average total assets | $50,403,000 | 4,534 |
| Average earning assets | $48,198,000 | 4,500 |
| Average equity | $12,062,000 | 3,856 |
| Average total loans | $28,139,500 | 4,370 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2216% | 3,427 |
| Cost of funding earning assets | 0.6496% | 421 |
| Net interest margin | 2.5719% | 4,092 |
| Noninterest income to average assets | 0.3722% | 3,198 |
| Noninterest expense to average assets | 3.6839% | 392 |
| Loan and lease loss provision to assets | 0.4539% | 134 |
| Net operating income to assets | -1.3073% | 4,798 |
| Return on assets (ROA) | -1.2455% | 4,797 |
| Pretax return on assets | -1.2455% | 4,793 |
| Return on Equity (ROE) | -5.2424% | 4,781 |
| Retained earnings to average equity (ytd only) | -5.2424% | 4,715 |
| Net charge-offs to loans | 0.0380% | 1,493 |
| Credit loss provision to net charge-offs | 2,083.3333% | 301 |
| Earnings coverage of net charge-offs (x) | -39.1667% | 2,691 |
| Efficiency ratio | 130.1475% | 55 |
| Assets per employee ($millions) | 4.4942% | 4,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5974% | 1,262 |
| Loan loss allowance to noncurrent loans | 69.8891% | 3,693 |
| Noncurrent assets plus other real estate owned to assets | 1.1700% | 430 |
| Noncurrent loans to loans | 2.2857% | 314 |
| Net loans and leases to total assets | 50.3727% | 3,238 |
| Net loans and leases to deposits | 65.7422% | 2,538 |
| Net loans and leases to core deposits | 92.6282% | 843 |
| Total domestic deposits to total assets | 76.6215% | 4,483 |
| Equity capital to assets | 23.2301% | 112 |
| Core capital (leverage) ratio | 23.2791% | 114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.0340% | 94 |
| Memoranda: | ||
| Average total assets | $55,077,400 | 4,506 |
| Average earning assets | $52,645,200 | 4,481 |
| Average equity | $13,085,600 | 3,821 |
| Average total loans | $31,577,800 | 4,351 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3812% | 3,155 |
| Cost of funding earning assets | 0.6959% | 392 |
| Net interest margin | 2.6853% | 4,003 |
| Noninterest income to average assets | 0.4527% | 2,828 |
| Noninterest expense to average assets | 3.5979% | 411 |
| Loan and lease loss provision to assets | 0.6015% | 84 |
| Net operating income to assets | -1.1824% | 4,871 |
| Return on assets (ROA) | -1.1006% | 4,869 |
| Pretax return on assets | -1.1006% | 4,865 |
| Return on Equity (ROE) | -4.6073% | 4,839 |
| Retained earnings to average equity (ytd only) | -4.6073% | 4,777 |
| Net charge-offs to loans | 0.0491% | 1,171 |
| Credit loss provision to net charge-offs | 2,083.3333% | 317 |
| Earnings coverage of net charge-offs (x) | -20.0833% | 2,444 |
| Efficiency ratio | 119.2338% | 74 |
| Assets per employee ($millions) | 4.5523% | 4,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6856% | 1,134 |
| Loan loss allowance to noncurrent loans | 84.4828% | 3,569 |
| Noncurrent assets plus other real estate owned to assets | 0.9556% | 708 |
| Noncurrent loans to loans | 1.9952% | 442 |
| Net loans and leases to total assets | 47.0857% | 3,707 |
| Net loans and leases to deposits | 61.6494% | 3,078 |
| Net loans and leases to core deposits | 86.1045% | 1,282 |
| Total domestic deposits to total assets | 76.3766% | 4,524 |
| Equity capital to assets | 23.5044% | 115 |
| Core capital (leverage) ratio | 22.8802% | 119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.3446% | 94 |
| Memoranda: | ||
| Average total assets | $55,364,250 | 4,565 |
| Average earning assets | $52,878,750 | 4,538 |
| Average equity | $13,225,000 | 3,862 |
| Average total loans | $32,570,500 | 4,384 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6898% | 2,365 |
| Cost of funding earning assets | 0.7199% | 417 |
| Net interest margin | 2.9700% | 3,392 |
| Noninterest income to average assets | 0.6042% | 2,199 |
| Noninterest expense to average assets | 3.5569% | 436 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -0.1187% | 4,809 |
| Return on assets (ROA) | -0.1187% | 4,814 |
| Pretax return on assets | -0.1187% | 4,807 |
| Return on Equity (ROE) | -0.4935% | 4,799 |
| Retained earnings to average equity (ytd only) | -0.4935% | 4,566 |
| Net charge-offs to loans | 0.1729% | 487 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | -1.1000% | 2,206 |
| Efficiency ratio | 103.4519% | 140 |
| Assets per employee ($millions) | 3.8261% | 4,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6693% | 4,581 |
| Loan loss allowance to noncurrent loans | 201.1628% | 2,453 |
| Noncurrent assets plus other real estate owned to assets | 0.1498% | 3,250 |
| Noncurrent loans to loans | 0.3327% | 2,720 |
| Net loans and leases to total assets | 44.7335% | 3,993 |
| Net loans and leases to deposits | 58.3146% | 3,520 |
| Net loans and leases to core deposits | 85.1622% | 1,482 |
| Total domestic deposits to total assets | 76.7106% | 4,526 |
| Equity capital to assets | 23.1883% | 112 |
| Core capital (leverage) ratio | 23.4275% | 112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.4167% | 90 |
| Memoranda: | ||
| Average total assets | $55,609,667 | 4,591 |
| Average earning assets | $53,064,667 | 4,562 |
| Average equity | $13,374,667 | 3,858 |
| Average total loans | $34,706,333 | 4,380 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5037% | 2,915 |
| Cost of funding earning assets | 0.7453% | 459 |
| Net interest margin | 2.7584% | 3,853 |
| Noninterest income to average assets | 0.1828% | 4,281 |
| Noninterest expense to average assets | 2.9094% | 1,133 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.1023% | 4,810 |
| Return on assets (ROA) | -0.1023% | 4,813 |
| Pretax return on assets | -0.1023% | 4,813 |
| Return on Equity (ROE) | -0.4177% | 4,795 |
| Retained earnings to average equity (ytd only) | -0.4177% | 4,400 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.6458% | 153 |
| Assets per employee ($millions) | 3.7694% | 4,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5309% | 4,750 |
| Loan loss allowance to noncurrent loans | 37.6623% | 4,134 |
| Noncurrent assets plus other real estate owned to assets | 1.3212% | 526 |
| Noncurrent loans to loans | 1.4097% | 898 |
| Net loans and leases to total assets | 67.2645% | 1,625 |
| Net loans and leases to deposits | 88.2208% | 809 |
| Net loans and leases to core deposits | 129.0314% | 149 |
| Total domestic deposits to total assets | 76.2456% | 4,570 |
| Equity capital to assets | 23.7014% | 109 |
| Core capital (leverage) ratio | 24.3513% | 103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $54,719,000 | 4,620 |
| Average earning assets | $52,059,500 | 4,589 |
| Average equity | $13,408,000 | 3,859 |
| Average total loans | $39,136,500 | 4,322 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1059% | 2,405 |
| Cost of funding earning assets | 0.9399% | 738 |
| Net interest margin | 3.1659% | 3,448 |
| Noninterest income to average assets | 0.1411% | 4,587 |
| Noninterest expense to average assets | 3.6395% | 573 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | -0.4995% | 4,880 |
| Return on assets (ROA) | -0.3241% | 4,860 |
| Pretax return on assets | -0.3241% | 4,851 |
| Return on Equity (ROE) | -1.2583% | 4,824 |
| Retained earnings to average equity (ytd only) | -1.2583% | 4,658 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.9077% | 93 |
| Assets per employee ($millions) | 4.8088% | 3,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5070% | 4,788 |
| Loan loss allowance to noncurrent loans | 112.7778% | 3,166 |
| Noncurrent assets plus other real estate owned to assets | 0.7335% | 1,408 |
| Noncurrent loans to loans | 0.4496% | 2,623 |
| Net loans and leases to total assets | 75.3067% | 864 |
| Net loans and leases to deposits | 101.0425% | 333 |
| Net loans and leases to core deposits | 144.7703% | 103 |
| Total domestic deposits to total assets | 74.5297% | 4,609 |
| Equity capital to assets | 25.3606% | 98 |
| Core capital (leverage) ratio | 26.3613% | 80 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.5907% | 182 |
| Memoranda: | ||
| Average total assets | $52,452,800 | 4,622 |
| Average earning assets | $49,685,200 | 4,588 |
| Average equity | $13,509,800 | 3,811 |
| Average total loans | $40,573,400 | 4,298 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1546% | 2,508 |
| Cost of funding earning assets | 0.9902% | 790 |
| Net interest margin | 3.1644% | 3,576 |
| Noninterest income to average assets | 0.1401% | 4,603 |
| Noninterest expense to average assets | 3.7089% | 522 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | -0.5731% | 4,905 |
| Return on assets (ROA) | -0.3388% | 4,874 |
| Pretax return on assets | -0.3388% | 4,867 |
| Return on Equity (ROE) | -1.3103% | 4,843 |
| Retained earnings to average equity (ytd only) | -1.3103% | 4,644 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.2778% | 84 |
| Assets per employee ($millions) | 3.8568% | 4,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4810% | 4,825 |
| Loan loss allowance to noncurrent loans | 68.8136% | 3,754 |
| Noncurrent assets plus other real estate owned to assets | 1.0032% | 1,109 |
| Noncurrent loans to loans | 0.6989% | 2,045 |
| Net loans and leases to total assets | 83.7771% | 297 |
| Net loans and leases to deposits | 114.9185% | 161 |
| Net loans and leases to core deposits | 157.4105% | 91 |
| Total domestic deposits to total assets | 72.9013% | 4,644 |
| Equity capital to assets | 26.8294% | 77 |
| Core capital (leverage) ratio | 25.3147% | 94 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.9175% | 136 |
| Memoranda: | ||
| Average total assets | $52,341,750 | 4,642 |
| Average earning assets | $49,550,250 | 4,615 |
| Average equity | $13,533,500 | 3,819 |
| Average total loans | $40,707,250 | 4,324 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1397% | 2,937 |
| Cost of funding earning assets | 0.9911% | 1,011 |
| Net interest margin | 3.1486% | 3,790 |
| Noninterest income to average assets | 0.1243% | 4,680 |
| Noninterest expense to average assets | 3.7682% | 526 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -0.6632% | 4,931 |
| Return on assets (ROA) | -0.3128% | 4,880 |
| Pretax return on assets | -0.3128% | 4,869 |
| Return on Equity (ROE) | -1.2241% | 4,853 |
| Retained earnings to average equity (ytd only) | -1.2241% | 4,509 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.3592% | 85 |
| Assets per employee ($millions) | 3.4296% | 4,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5096% | 4,824 |
| Loan loss allowance to noncurrent loans | 162.4000% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 0.6069% | 1,985 |
| Noncurrent loans to loans | 0.3138% | 3,261 |
| Net loans and leases to total assets | 72.2213% | 1,666 |
| Net loans and leases to deposits | 96.1543% | 785 |
| Net loans and leases to core deposits | 143.0686% | 143 |
| Total domestic deposits to total assets | 75.1098% | 4,509 |
| Equity capital to assets | 24.6077% | 105 |
| Core capital (leverage) ratio | 25.3892% | 92 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,076,000 | 4,646 |
| Average earning assets | $50,245,333 | 4,617 |
| Average equity | $13,560,667 | 3,818 |
| Average total loans | $40,207,000 | 4,351 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4271% | 2,517 |
| Cost of funding earning assets | 1.0216% | 1,329 |
| Net interest margin | 3.4055% | 3,281 |
| Noninterest income to average assets | 0.8356% | 1,206 |
| Noninterest expense to average assets | 4.3084% | 366 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.2530% | 4,870 |
| Return on assets (ROA) | -0.2453% | 4,842 |
| Pretax return on assets | -0.2453% | 4,828 |
| Return on Equity (ROE) | -0.9419% | 4,798 |
| Retained earnings to average equity (ytd only) | -0.9419% | 4,133 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.2382% | 172 |
| Assets per employee ($millions) | 3.4897% | 4,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4923% | 4,881 |
| Loan loss allowance to noncurrent loans | 130.9677% | 2,801 |
| Noncurrent assets plus other real estate owned to assets | 0.6935% | 1,930 |
| Noncurrent loans to loans | 0.3759% | 3,134 |
| Net loans and leases to total assets | 78.3914% | 923 |
| Net loans and leases to deposits | 106.2011% | 289 |
| Net loans and leases to core deposits | 160.4457% | 79 |
| Total domestic deposits to total assets | 73.8141% | 4,675 |
| Equity capital to assets | 25.8917% | 101 |
| Core capital (leverage) ratio | 24.7061% | 116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.1351% | 157 |
| Memoranda: | ||
| Average total assets | $52,177,500 | 4,681 |
| Average earning assets | $49,332,000 | 4,651 |
| Average equity | $13,589,500 | 3,824 |
| Average total loans | $40,394,000 | 4,366 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3751% | 3,315 |
| Cost of funding earning assets | 0.8030% | 2,672 |
| Net interest margin | 3.5720% | 3,223 |
| Noninterest income to average assets | 0.2563% | 4,150 |
| Noninterest expense to average assets | 3.4636% | 1,011 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.1571% | 4,878 |
| Return on assets (ROA) | 0.1571% | 4,901 |
| Pretax return on assets | 0.1571% | 4,913 |
| Return on Equity (ROE) | 0.5608% | 4,957 |
| Retained earnings to average equity (ytd only) | 0.5608% | 4,532 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.6621% | 214 |
| Assets per employee ($millions) | 3.4673% | 4,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5133% | 4,875 |
| Loan loss allowance to noncurrent loans | 130.1282% | 2,830 |
| Noncurrent assets plus other real estate owned to assets | 0.6999% | 1,848 |
| Noncurrent loans to loans | 0.3944% | 3,023 |
| Net loans and leases to total assets | 75.6547% | 1,474 |
| Net loans and leases to deposits | 102.9918% | 417 |
| Net loans and leases to core deposits | 177.4671% | 60 |
| Total domestic deposits to total assets | 73.4570% | 4,797 |
| Equity capital to assets | 26.1988% | 110 |
| Core capital (leverage) ratio | 25.7214% | 113 |
| Tier 1 risk-based capital ratio | 40.6299% | 233 |
| Total risk-based capital ratio | 41.2370% | 239 |
| Memoranda: | ||
| Average total assets | $48,388,600 | 4,779 |
| Average earning assets | $45,576,400 | 4,757 |
| Average equity | $13,551,600 | 3,812 |
| Average total loans | $35,349,200 | 4,523 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3887% | 3,396 |
| Cost of funding earning assets | 0.7076% | 3,174 |
| Net interest margin | 3.6811% | 2,988 |
| Noninterest income to average assets | 0.2106% | 4,462 |
| Noninterest expense to average assets | 3.4479% | 1,017 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.2246% | 4,933 |
| Return on assets (ROA) | 0.2246% | 4,945 |
| Pretax return on assets | 0.2246% | 4,966 |
| Return on Equity (ROE) | 0.7865% | 5,031 |
| Retained earnings to average equity (ytd only) | 0.7865% | 4,609 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8838% | 234 |
| Assets per employee ($millions) | 3.6377% | 4,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5272% | 4,935 |
| Loan loss allowance to noncurrent loans | 128.4810% | 2,890 |
| Noncurrent assets plus other real estate owned to assets | 0.7187% | 1,904 |
| Noncurrent loans to loans | 0.4103% | 3,080 |
| Net loans and leases to total assets | 75.2101% | 1,617 |
| Net loans and leases to deposits | 103.2036% | 443 |
| Net loans and leases to core deposits | 188.1194% | 50 |
| Total domestic deposits to total assets | 72.8754% | 4,875 |
| Equity capital to assets | 26.8516% | 101 |
| Core capital (leverage) ratio | 28.2236% | 79 |
| Tier 1 risk-based capital ratio | 42.0173% | 213 |
| Total risk-based capital ratio | 42.6431% | 220 |
| Memoranda: | ||
| Average total assets | $47,486,000 | 4,858 |
| Average earning assets | $44,659,000 | 4,841 |
| Average equity | $13,561,250 | 3,849 |
| Average total loans | $34,298,750 | 4,612 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1830% | 3,967 |
| Cost of funding earning assets | 0.6245% | 3,532 |
| Net interest margin | 3.5585% | 3,410 |
| Noninterest income to average assets | 0.2115% | 4,473 |
| Noninterest expense to average assets | 3.2802% | 1,319 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.2762% | 4,905 |
| Return on assets (ROA) | 0.2762% | 4,916 |
| Pretax return on assets | 0.2762% | 4,956 |
| Return on Equity (ROE) | 0.9465% | 5,053 |
| Retained earnings to average equity (ytd only) | 0.9465% | 4,452 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2330% | 274 |
| Assets per employee ($millions) | 3.4391% | 4,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5862% | 4,898 |
| Loan loss allowance to noncurrent loans | 1,691.6667% | 391 |
| Noncurrent assets plus other real estate owned to assets | 0.4569% | 2,693 |
| Noncurrent loans to loans | 0.0347% | 4,539 |
| Net loans and leases to total assets | 71.4962% | 2,288 |
| Net loans and leases to deposits | 100.1513% | 668 |
| Net loans and leases to core deposits | 166.4201% | 80 |
| Total domestic deposits to total assets | 71.3882% | 4,999 |
| Equity capital to assets | 28.2234% | 84 |
| Core capital (leverage) ratio | 28.5126% | 79 |
| Tier 1 risk-based capital ratio | 44.7045% | 178 |
| Total risk-based capital ratio | 45.3736% | 181 |
| Memoranda: | ||
| Average total assets | $46,338,670 | 4,922 |
| Average earning assets | $43,557,330 | 4,902 |
| Average equity | $13,523,330 | 3,860 |
| Average total loans | $32,896,330 | 4,681 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1623% | 3,969 |
| Cost of funding earning assets | 0.5531% | 3,810 |
| Net interest margin | 3.6092% | 3,218 |
| Noninterest income to average assets | 0.2113% | 4,479 |
| Noninterest expense to average assets | 3.7329% | 712 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -0.1321% | 5,191 |
| Return on assets (ROA) | -0.1321% | 5,190 |
| Pretax return on assets | -0.1321% | 5,180 |
| Return on Equity (ROE) | -0.4448% | 5,166 |
| Retained earnings to average equity (ytd only) | -0.4448% | 4,591 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.6675% | 140 |
| Assets per employee ($millions) | 3.9757% | 3,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6209% | 4,899 |
| Loan loss allowance to noncurrent loans | 1,691.6667% | 374 |
| Noncurrent assets plus other real estate owned to assets | 0.4611% | 2,757 |
| Noncurrent loans to loans | 0.0367% | 4,607 |
| Net loans and leases to total assets | 68.1018% | 2,746 |
| Net loans and leases to deposits | 95.4241% | 1,023 |
| Net loans and leases to core deposits | 157.8334% | 96 |
| Total domestic deposits to total assets | 71.3675% | 5,066 |
| Equity capital to assets | 28.3160% | 80 |
| Core capital (leverage) ratio | 30.9101% | 67 |
| Tier 1 risk-based capital ratio | 38.3074% | 253 |
| Total risk-based capital ratio | 38.8820% | 260 |
| Memoranda: | ||
| Average total assets | $45,434,000 | 4,987 |
| Average earning assets | $42,668,500 | 4,966 |
| Average equity | $13,490,500 | 3,873 |
| Average total loans | $32,031,000 | 4,753 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0823% | 3,791 |
| Cost of funding earning assets | 0.2186% | 4,928 |
| Net interest margin | 3.8638% | 2,452 |
| Noninterest income to average assets | 0.3006% | 4,097 |
| Noninterest expense to average assets | 4.1188% | 461 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | -0.2305% | 5,275 |
| Return on assets (ROA) | -0.2305% | 5,273 |
| Pretax return on assets | -0.2305% | 5,270 |
| Return on Equity (ROE) | -0.6742% | 5,255 |
| Retained earnings to average equity (ytd only) | -0.6742% | 5,060 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.9278% | 104 |
| Assets per employee ($millions) | 3.9236% | 4,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6471% | 4,899 |
| Loan loss allowance to noncurrent loans | 1,691.6667% | 413 |
| Noncurrent assets plus other real estate owned to assets | 0.5097% | 2,549 |
| Noncurrent loans to loans | 0.0383% | 4,590 |
| Net loans and leases to total assets | 72.2104% | 2,222 |
| Net loans and leases to deposits | 105.3795% | 397 |
| Net loans and leases to core deposits | 148.9699% | 138 |
| Total domestic deposits to total assets | 68.5241% | 5,200 |
| Equity capital to assets | 31.2141% | 65 |
| Core capital (leverage) ratio | 31.9274% | 63 |
| Tier 1 risk-based capital ratio | 41.3248% | 218 |
| Total risk-based capital ratio | 41.9439% | 219 |
| Memoranda: | ||
| Average total assets | $39,914,800 | 5,100 |
| Average earning assets | $37,062,200 | 5,087 |
| Average equity | $13,645,000 | 3,791 |
| Average total loans | $25,257,200 | 4,928 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9567% | 4,057 |
| Cost of funding earning assets | 0.1031% | 5,346 |
| Net interest margin | 3.8536% | 2,463 |
| Noninterest income to average assets | 0.3171% | 4,030 |
| Noninterest expense to average assets | 3.4028% | 1,113 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.4842% | 4,791 |
| Return on assets (ROA) | 0.4842% | 4,797 |
| Pretax return on assets | 0.4842% | 4,923 |
| Return on Equity (ROE) | 1.3851% | 5,196 |
| Retained earnings to average equity (ytd only) | 1.3851% | 4,751 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5439% | 429 |
| Assets per employee ($millions) | 3.9085% | 4,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6802% | 4,911 |
| Loan loss allowance to noncurrent loans | 520.5128% | 1,056 |
| Noncurrent assets plus other real estate owned to assets | 0.5745% | 2,464 |
| Noncurrent loans to loans | 0.1307% | 4,296 |
| Net loans and leases to total assets | 68.9484% | 2,805 |
| Net loans and leases to deposits | 114.2268% | 178 |
| Net loans and leases to core deposits | 135.9085% | 242 |
| Total domestic deposits to total assets | 60.3610% | 5,391 |
| Equity capital to assets | 31.7307% | 59 |
| Core capital (leverage) ratio | 35.2928% | 55 |
| Tier 1 risk-based capital ratio | 42.9132% | 193 |
| Total risk-based capital ratio | 43.5451% | 193 |
| Memoranda: | ||
| Average total assets | $39,103,500 | 5,172 |
| Average earning assets | $36,225,000 | 5,160 |
| Average equity | $13,669,000 | 3,823 |
| Average total loans | $23,729,250 | 5,035 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8910% | 4,099 |
| Cost of funding earning assets | 0.0629% | 5,470 |
| Net interest margin | 3.8281% | 2,465 |
| Noninterest income to average assets | 0.3386% | 3,923 |
| Noninterest expense to average assets | 3.4279% | 1,101 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4497% | 4,858 |
| Return on assets (ROA) | 0.4497% | 4,862 |
| Pretax return on assets | 0.4497% | 4,988 |
| Return on Equity (ROE) | 1.2429% | 5,249 |
| Retained earnings to average equity (ytd only) | 1.2429% | 4,705 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4038% | 440 |
| Assets per employee ($millions) | 3.8091% | 4,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8605% | 4,511 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5461% | 2,591 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 61.4003% | 3,663 |
| Net loans and leases to deposits | 96.1085% | 1,123 |
| Net loans and leases to core deposits | 102.9855% | 1,483 |
| Total domestic deposits to total assets | 63.8865% | 5,414 |
| Equity capital to assets | 35.8930% | 56 |
| Core capital (leverage) ratio | 36.1655% | 56 |
| Tier 1 risk-based capital ratio | 54.1015% | 109 |
| Total risk-based capital ratio | 54.8971% | 111 |
| Memoranda: | ||
| Average total assets | $37,807,000 | 5,258 |
| Average earning assets | $34,952,330 | 5,240 |
| Average equity | $13,678,000 | 3,845 |
| Average total loans | $21,690,330 | 5,156 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7247% | 4,415 |
| Cost of funding earning assets | 0.0805% | 5,499 |
| Net interest margin | 3.6442% | 3,009 |
| Noninterest income to average assets | 0.3823% | 3,579 |
| Noninterest expense to average assets | 3.3028% | 1,341 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4460% | 4,827 |
| Return on assets (ROA) | 0.4460% | 4,826 |
| Pretax return on assets | 0.4460% | 4,966 |
| Return on Equity (ROE) | 1.2280% | 5,287 |
| Retained earnings to average equity (ytd only) | 1.2280% | 4,571 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1020% | 534 |
| Assets per employee ($millions) | 3.7703% | 4,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9458% | 4,240 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5517% | 2,687 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 56.3907% | 4,094 |
| Net loans and leases to deposits | 88.8169% | 1,830 |
| Net loans and leases to core deposits | 95.2810% | 2,034 |
| Total domestic deposits to total assets | 63.4910% | 5,492 |
| Equity capital to assets | 36.3419% | 54 |
| Core capital (leverage) ratio | 36.3222% | 54 |
| Tier 1 risk-based capital ratio | 57.6847% | 94 |
| Total risk-based capital ratio | 58.5430% | 95 |
| Memoranda: | ||
| Average total assets | $37,665,000 | 5,314 |
| Average earning assets | $34,795,000 | 5,297 |
| Average equity | $13,681,000 | 3,877 |
| Average total loans | $20,740,000 | 5,237 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1405% | 5,248 |
| Cost of funding earning assets | 0.0629% | 5,591 |
| Net interest margin | 3.0776% | 4,733 |
| Noninterest income to average assets | 0.2874% | 4,407 |
| Noninterest expense to average assets | 3.1433% | 1,733 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -0.0158% | 5,374 |
| Return on assets (ROA) | -0.0158% | 5,378 |
| Pretax return on assets | -0.0158% | 5,444 |
| Return on Equity (ROE) | -0.0440% | 5,368 |
| Retained earnings to average equity (ytd only) | -0.0440% | 5,030 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.5059% | 167 |
| Assets per employee ($millions) | 3.7627% | 4,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0142% | 3,853 |
| Loan loss allowance to noncurrent loans | 20,300.0000% | 51 |
| Noncurrent assets plus other real estate owned to assets | 0.5555% | 2,695 |
| Noncurrent loans to loans | 0.0050% | 5,041 |
| Net loans and leases to total assets | 52.6563% | 4,471 |
| Net loans and leases to deposits | 83.0316% | 2,607 |
| Net loans and leases to core deposits | 88.0930% | 2,709 |
| Total domestic deposits to total assets | 63.4172% | 5,556 |
| Equity capital to assets | 36.3037% | 51 |
| Core capital (leverage) ratio | 36.0980% | 51 |
| Tier 1 risk-based capital ratio | 59.4813% | 87 |
| Total risk-based capital ratio | 60.3691% | 86 |
| Memoranda: | ||
| Average total assets | $37,922,000 | 5,363 |
| Average earning assets | $34,994,400 | 5,349 |
| Average equity | $13,626,000 | 3,895 |
| Average total loans | $17,708,200 | 5,368 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9940% | 5,412 |
| Cost of funding earning assets | 0.0571% | 5,667 |
| Net interest margin | 2.9369% | 5,044 |
| Noninterest income to average assets | 0.2983% | 4,397 |
| Noninterest expense to average assets | 3.0318% | 2,027 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -0.0246% | 5,521 |
| Return on assets (ROA) | -0.0246% | 5,525 |
| Pretax return on assets | -0.0246% | 5,520 |
| Return on Equity (ROE) | -0.0685% | 5,521 |
| Retained earnings to average equity (ytd only) | -0.0685% | 5,218 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.8168% | 166 |
| Assets per employee ($millions) | 3.7688% | 4,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0772% | 3,619 |
| Loan loss allowance to noncurrent loans | 483.3333% | 1,073 |
| Noncurrent assets plus other real estate owned to assets | 0.6633% | 2,511 |
| Noncurrent loans to loans | 0.2229% | 4,174 |
| Net loans and leases to total assets | 49.4667% | 4,737 |
| Net loans and leases to deposits | 77.6339% | 3,207 |
| Net loans and leases to core deposits | 80.9755% | 3,372 |
| Total domestic deposits to total assets | 63.7179% | 5,621 |
| Equity capital to assets | 36.1043% | 51 |
| Core capital (leverage) ratio | 35.4767% | 53 |
| Tier 1 risk-based capital ratio | 61.1731% | 82 |
| Total risk-based capital ratio | 62.0862% | 82 |
| Memoranda: | ||
| Average total assets | $37,995,750 | 5,419 |
| Average earning assets | $35,047,000 | 5,409 |
| Average equity | $13,617,500 | 3,933 |
| Average total loans | $17,131,250 | 5,442 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8606% | 5,530 |
| Cost of funding earning assets | 0.0626% | 5,695 |
| Net interest margin | 2.7981% | 5,247 |
| Noninterest income to average assets | 0.3045% | 4,359 |
| Noninterest expense to average assets | 2.9555% | 2,251 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -0.0682% | 5,576 |
| Return on assets (ROA) | -0.0682% | 5,583 |
| Pretax return on assets | -0.0682% | 5,574 |
| Return on Equity (ROE) | -0.1910% | 5,561 |
| Retained earnings to average equity (ytd only) | -0.1910% | 5,105 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.3636% | 168 |
| Assets per employee ($millions) | 3.8312% | 4,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2254% | 2,860 |
| Loan loss allowance to noncurrent loans | 10,150.0000% | 80 |
| Noncurrent assets plus other real estate owned to assets | 0.5481% | 2,936 |
| Noncurrent loans to loans | 0.0121% | 5,129 |
| Net loans and leases to total assets | 42.7099% | 5,110 |
| Net loans and leases to deposits | 66.3598% | 4,195 |
| Net loans and leases to core deposits | 69.1385% | 4,286 |
| Total domestic deposits to total assets | 64.3610% | 5,664 |
| Equity capital to assets | 35.4354% | 51 |
| Core capital (leverage) ratio | 35.0949% | 52 |
| Tier 1 risk-based capital ratio | 68.1314% | 66 |
| Total risk-based capital ratio | 69.1508% | 66 |
| Memoranda: | ||
| Average total assets | $38,098,330 | 5,460 |
| Average earning assets | $35,167,000 | 5,452 |
| Average equity | $13,612,330 | 3,945 |
| Average total loans | $16,559,670 | 5,510 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8486% | 5,573 |
| Cost of funding earning assets | 0.0684% | 5,749 |
| Net interest margin | 2.7802% | 5,284 |
| Noninterest income to average assets | 0.1790% | 5,195 |
| Noninterest expense to average assets | 2.9480% | 2,306 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.2000% | 5,680 |
| Return on assets (ROA) | -0.2000% | 5,679 |
| Pretax return on assets | -0.2000% | 5,665 |
| Return on Equity (ROE) | -0.5576% | 5,641 |
| Retained earnings to average equity (ytd only) | -0.5576% | 5,008 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.2797% | 152 |
| Assets per employee ($millions) | 4.2623% | 3,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2349% | 2,913 |
| Loan loss allowance to noncurrent loans | 6,766.6667% | 136 |
| Noncurrent assets plus other real estate owned to assets | 0.5500% | 3,033 |
| Noncurrent loans to loans | 0.0183% | 5,157 |
| Net loans and leases to total assets | 42.3216% | 5,139 |
| Net loans and leases to deposits | 65.9129% | 4,179 |
| Net loans and leases to core deposits | 68.6731% | 4,243 |
| Total domestic deposits to total assets | 64.2084% | 5,740 |
| Equity capital to assets | 35.4422% | 56 |
| Core capital (leverage) ratio | 35.9502% | 54 |
| Tier 1 risk-based capital ratio | 68.8263% | 67 |
| Total risk-based capital ratio | 69.8546% | 66 |
| Memoranda: | ||
| Average total assets | $37,991,500 | 5,523 |
| Average earning assets | $35,105,000 | 5,509 |
| Average equity | $13,630,500 | 3,974 |
| Average total loans | $16,556,500 | 5,573 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9758% | 5,518 |
| Cost of funding earning assets | 0.0654% | 5,812 |
| Net interest margin | 2.9104% | 5,121 |
| Noninterest income to average assets | 0.3093% | 4,523 |
| Noninterest expense to average assets | 3.3392% | 1,487 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -0.3460% | 5,752 |
| Return on assets (ROA) | -0.3460% | 5,761 |
| Pretax return on assets | -0.3460% | 5,750 |
| Return on Equity (ROE) | -0.9617% | 5,700 |
| Retained earnings to average equity (ytd only) | -0.9617% | 5,436 |
| Net charge-offs to loans | 0.2507% | 1,106 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | -3.0000% | 4,204 |
| Efficiency ratio | 111.5587% | 118 |
| Assets per employee ($millions) | 4.1802% | 3,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2174% | 3,013 |
| Loan loss allowance to noncurrent loans | 6,766.6667% | 124 |
| Noncurrent assets plus other real estate owned to assets | 0.5608% | 3,051 |
| Noncurrent loans to loans | 0.0180% | 5,206 |
| Net loans and leases to total assets | 43.7829% | 5,128 |
| Net loans and leases to deposits | 68.9898% | 4,009 |
| Net loans and leases to core deposits | 71.9741% | 4,085 |
| Total domestic deposits to total assets | 63.4629% | 5,796 |
| Equity capital to assets | 36.3218% | 53 |
| Core capital (leverage) ratio | 35.1413% | 54 |
| Tier 1 risk-based capital ratio | 68.8946% | 62 |
| Total risk-based capital ratio | 69.9225% | 61 |
| Memoranda: | ||
| Average total assets | $38,152,800 | 5,574 |
| Average earning assets | $35,184,000 | 5,560 |
| Average equity | $13,726,000 | 3,984 |
| Average total loans | $17,553,800 | 5,594 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0068% | 5,563 |
| Cost of funding earning assets | 0.0680% | 5,876 |
| Net interest margin | 2.9388% | 5,112 |
| Noninterest income to average assets | 0.3378% | 4,365 |
| Noninterest expense to average assets | 3.2596% | 1,653 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.2124% | 5,795 |
| Return on assets (ROA) | -0.2124% | 5,806 |
| Pretax return on assets | -0.2124% | 5,797 |
| Return on Equity (ROE) | -0.5919% | 5,763 |
| Retained earnings to average equity (ytd only) | -0.5919% | 5,447 |
| Net charge-offs to loans | 0.3301% | 698 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | -1.3862% | 3,860 |
| Efficiency ratio | 106.9714% | 143 |
| Assets per employee ($millions) | 3.8599% | 4,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1843% | 3,342 |
| Loan loss allowance to noncurrent loans | 5,075.0000% | 146 |
| Noncurrent assets plus other real estate owned to assets | 0.5492% | 3,260 |
| Noncurrent loans to loans | 0.0233% | 5,289 |
| Net loans and leases to total assets | 43.8820% | 5,199 |
| Net loans and leases to deposits | 68.3839% | 4,113 |
| Net loans and leases to core deposits | 72.0184% | 4,160 |
| Total domestic deposits to total assets | 64.1701% | 5,846 |
| Equity capital to assets | 35.6719% | 53 |
| Core capital (leverage) ratio | 34.8796% | 57 |
| Tier 1 risk-based capital ratio | 65.8154% | 70 |
| Total risk-based capital ratio | 66.8048% | 71 |
| Memoranda: | ||
| Average total assets | $38,285,500 | 5,627 |
| Average earning assets | $35,296,750 | 5,615 |
| Average equity | $13,741,250 | 4,011 |
| Average total loans | $17,773,500 | 5,639 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0611% | 5,585 |
| Cost of funding earning assets | 0.0626% | 5,964 |
| Net interest margin | 2.9985% | 5,086 |
| Noninterest income to average assets | 0.2933% | 4,685 |
| Noninterest expense to average assets | 3.3472% | 1,487 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.2933% | 5,877 |
| Return on assets (ROA) | -0.2933% | 5,891 |
| Pretax return on assets | -0.2933% | 5,879 |
| Return on Equity (ROE) | -0.8156% | 5,831 |
| Retained earnings to average equity (ytd only) | -0.8156% | 5,417 |
| Net charge-offs to loans | 0.4893% | 447 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | -1.2727% | 3,594 |
| Efficiency ratio | 109.6055% | 147 |
| Assets per employee ($millions) | 3.8037% | 4,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1079% | 3,904 |
| Loan loss allowance to noncurrent loans | 5,075.0000% | 157 |
| Noncurrent assets plus other real estate owned to assets | 0.5942% | 3,238 |
| Noncurrent loans to loans | 0.0218% | 5,386 |
| Net loans and leases to total assets | 47.6378% | 5,018 |
| Net loans and leases to deposits | 74.7278% | 3,508 |
| Net loans and leases to core deposits | 78.7895% | 3,575 |
| Total domestic deposits to total assets | 63.7485% | 5,936 |
| Equity capital to assets | 36.0439% | 52 |
| Core capital (leverage) ratio | 35.2622% | 54 |
| Tier 1 risk-based capital ratio | 64.1074% | 83 |
| Total risk-based capital ratio | 65.0707% | 82 |
| Memoranda: | ||
| Average total assets | $38,181,000 | 5,697 |
| Average earning assets | $35,151,000 | 5,688 |
| Average equity | $13,732,000 | 4,030 |
| Average total loans | $17,984,330 | 5,699 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1251% | 5,577 |
| Cost of funding earning assets | 0.0795% | 5,986 |
| Net interest margin | 3.0455% | 5,015 |
| Noninterest income to average assets | 0.4183% | 3,698 |
| Noninterest expense to average assets | 3.4925% | 1,194 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.2719% | 5,904 |
| Return on assets (ROA) | -0.2719% | 5,911 |
| Pretax return on assets | -0.2719% | 5,907 |
| Return on Equity (ROE) | -0.7567% | 5,859 |
| Retained earnings to average equity (ytd only) | -0.7567% | 5,245 |
| Net charge-offs to loans | 0.9879% | 190 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -0.5909% | 3,001 |
| Efficiency ratio | 108.4416% | 170 |
| Assets per employee ($millions) | 4.2693% | 3,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1606% | 3,714 |
| Loan loss allowance to noncurrent loans | 5,075.0000% | 149 |
| Noncurrent assets plus other real estate owned to assets | 0.5882% | 3,295 |
| Noncurrent loans to loans | 0.0229% | 5,408 |
| Net loans and leases to total assets | 44.9927% | 5,189 |
| Net loans and leases to deposits | 70.3107% | 3,830 |
| Net loans and leases to core deposits | 76.1653% | 3,667 |
| Total domestic deposits to total assets | 63.9913% | 6,001 |
| Equity capital to assets | 35.7589% | 52 |
| Core capital (leverage) ratio | 35.6149% | 51 |
| Tier 1 risk-based capital ratio | 65.6500% | 75 |
| Total risk-based capital ratio | 66.6343% | 75 |
| Memoranda: | ||
| Average total assets | $38,253,000 | 5,751 |
| Average earning assets | $35,199,000 | 5,741 |
| Average equity | $13,743,000 | 4,039 |
| Average total loans | $17,815,000 | 5,759 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2730% | 5,391 |
| Cost of funding earning assets | 0.0663% | 6,076 |
| Net interest margin | 3.2068% | 4,607 |
| Noninterest income to average assets | 0.2959% | 4,766 |
| Noninterest expense to average assets | 3.6383% | 1,057 |
| Loan and lease loss provision to assets | 0.1532% | 1,532 |
| Net operating income to assets | -0.5549% | 6,056 |
| Return on assets (ROA) | -0.3699% | 6,018 |
| Pretax return on assets | -0.3699% | 6,004 |
| Return on Equity (ROE) | -1.0124% | 5,939 |
| Retained earnings to average equity (ytd only) | -1.0124% | 5,659 |
| Net charge-offs to loans | 0.3147% | 957 |
| Credit loss provision to net charge-offs | 100.0000% | 2,501 |
| Earnings coverage of net charge-offs (x) | -2.6207% | 4,368 |
| Efficiency ratio | 112.4082% | 121 |
| Assets per employee ($millions) | 4.2313% | 3,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3617% | 2,603 |
| Loan loss allowance to noncurrent loans | 418.6441% | 1,223 |
| Noncurrent assets plus other real estate owned to assets | 0.7011% | 2,950 |
| Noncurrent loans to loans | 0.3253% | 4,292 |
| Net loans and leases to total assets | 46.9828% | 5,093 |
| Net loans and leases to deposits | 73.7693% | 3,519 |
| Net loans and leases to core deposits | 80.0036% | 3,345 |
| Total domestic deposits to total assets | 63.6889% | 6,052 |
| Equity capital to assets | 36.0958% | 51 |
| Core capital (leverage) ratio | 36.0279% | 51 |
| Tier 1 risk-based capital ratio | 65.9138% | 77 |
| Total risk-based capital ratio | 67.1084% | 77 |
| Memoranda: | ||
| Average total assets | $37,847,200 | 5,808 |
| Average earning assets | $34,708,000 | 5,795 |
| Average equity | $13,828,200 | 4,007 |
| Average total loans | $18,430,400 | 5,783 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2703% | 5,460 |
| Cost of funding earning assets | 0.0654% | 6,170 |
| Net interest margin | 3.2049% | 4,655 |
| Noninterest income to average assets | 0.3140% | 4,698 |
| Noninterest expense to average assets | 3.5954% | 1,123 |
| Loan and lease loss provision to assets | 0.2046% | 971 |
| Net operating income to assets | -0.5469% | 6,147 |
| Return on assets (ROA) | -0.2999% | 6,096 |
| Pretax return on assets | -0.2999% | 6,084 |
| Return on Equity (ROE) | -0.8183% | 6,016 |
| Retained earnings to average equity (ytd only) | -0.8183% | 5,739 |
| Net charge-offs to loans | 0.4179% | 611 |
| Credit loss provision to net charge-offs | 100.0000% | 2,257 |
| Earnings coverage of net charge-offs (x) | -1.6724% | 4,073 |
| Efficiency ratio | 110.5206% | 148 |
| Assets per employee ($millions) | 3.8864% | 4,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3976% | 2,615 |
| Loan loss allowance to noncurrent loans | 41.2354% | 5,185 |
| Noncurrent assets plus other real estate owned to assets | 2.0765% | 960 |
| Noncurrent loans to loans | 3.3894% | 477 |
| Net loans and leases to total assets | 44.8384% | 5,298 |
| Net loans and leases to deposits | 74.3398% | 3,507 |
| Net loans and leases to core deposits | 80.8556% | 3,357 |
| Total domestic deposits to total assets | 60.3155% | 6,173 |
| Equity capital to assets | 35.5367% | 55 |
| Core capital (leverage) ratio | 36.0224% | 51 |
| Tier 1 risk-based capital ratio | 66.5581% | 80 |
| Total risk-based capital ratio | 67.7586% | 79 |
| Memoranda: | ||
| Average total assets | $37,788,500 | 5,884 |
| Average earning assets | $34,654,500 | 5,875 |
| Average equity | $13,848,750 | 4,050 |
| Average total loans | $18,503,250 | 5,852 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3728% | 5,289 |
| Cost of funding earning assets | 0.0640% | 6,241 |
| Net interest margin | 3.3088% | 4,269 |
| Noninterest income to average assets | 0.3313% | 4,584 |
| Noninterest expense to average assets | 3.6976% | 988 |
| Loan and lease loss provision to assets | 0.3099% | 479 |
| Net operating income to assets | -0.6359% | 6,211 |
| Return on assets (ROA) | -0.2618% | 6,144 |
| Pretax return on assets | -0.2618% | 6,133 |
| Return on Equity (ROE) | -0.7070% | 6,069 |
| Retained earnings to average equity (ytd only) | -0.7070% | 5,648 |
| Net charge-offs to loans | 0.6177% | 377 |
| Credit loss provision to net charge-offs | 100.0000% | 2,033 |
| Earnings coverage of net charge-offs (x) | -1.0517% | 3,771 |
| Efficiency ratio | 109.6672% | 179 |
| Assets per employee ($millions) | 3.7157% | 4,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3192% | 3,137 |
| Loan loss allowance to noncurrent loans | 32.3722% | 5,453 |
| Noncurrent assets plus other real estate owned to assets | 2.0534% | 1,058 |
| Noncurrent loans to loans | 4.0752% | 370 |
| Net loans and leases to total assets | 49.7241% | 4,958 |
| Net loans and leases to deposits | 79.6311% | 2,839 |
| Net loans and leases to core deposits | 85.6798% | 2,798 |
| Total domestic deposits to total assets | 62.4431% | 6,221 |
| Equity capital to assets | 37.2850% | 51 |
| Core capital (leverage) ratio | 36.8855% | 50 |
| Tier 1 risk-based capital ratio | 63.9365% | 90 |
| Total risk-based capital ratio | 65.0866% | 90 |
| Memoranda: | ||
| Average total assets | $37,430,000 | 5,962 |
| Average earning assets | $34,393,000 | 5,949 |
| Average equity | $13,861,330 | 4,071 |
| Average total loans | $18,780,000 | 5,894 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1643% | 5,702 |
| Cost of funding earning assets | 0.0695% | 6,294 |
| Net interest margin | 3.0947% | 4,972 |
| Noninterest income to average assets | 0.1810% | 5,634 |
| Noninterest expense to average assets | 3.7054% | 1,005 |
| Loan and lease loss provision to assets | 0.6176% | 153 |
| Net operating income to assets | -1.2990% | 6,340 |
| Return on assets (ROA) | -0.5537% | 6,268 |
| Pretax return on assets | -0.5537% | 6,254 |
| Return on Equity (ROE) | -1.5002% | 6,154 |
| Retained earnings to average equity (ytd only) | -1.5002% | 5,617 |
| Net charge-offs to loans | 1.2335% | 174 |
| Credit loss provision to net charge-offs | 100.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | -1.1034% | 3,179 |
| Efficiency ratio | 122.5352% | 114 |
| Assets per employee ($millions) | 3.7575% | 4,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2821% | 3,504 |
| Loan loss allowance to noncurrent loans | 28.7879% | 5,573 |
| Noncurrent assets plus other real estate owned to assets | 2.2834% | 989 |
| Noncurrent loans to loans | 4.4534% | 357 |
| Net loans and leases to total assets | 50.6161% | 4,784 |
| Net loans and leases to deposits | 80.5173% | 2,504 |
| Net loans and leases to core deposits | 86.8685% | 2,450 |
| Total domestic deposits to total assets | 62.8636% | 6,294 |
| Equity capital to assets | 36.8623% | 54 |
| Core capital (leverage) ratio | 36.6608% | 53 |
| Tier 1 risk-based capital ratio | 63.1841% | 99 |
| Total risk-based capital ratio | 64.3209% | 101 |
| Memoranda: | ||
| Average total assets | $37,566,500 | 6,013 |
| Average earning assets | $34,510,500 | 6,002 |
| Average equity | $13,865,000 | 4,089 |
| Average total loans | $18,808,500 | 5,946 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9368% | 6,105 |
| Cost of funding earning assets | 0.0712% | 6,395 |
| Net interest margin | 2.8656% | 5,704 |
| Noninterest income to average assets | 0.5200% | 3,361 |
| Noninterest expense to average assets | 3.5853% | 1,336 |
| Loan and lease loss provision to assets | 0.4834% | 323 |
| Net operating income to assets | -0.9198% | 6,366 |
| Return on assets (ROA) | -0.9198% | 6,362 |
| Pretax return on assets | -0.9198% | 6,356 |
| Return on Equity (ROE) | -2.4875% | 6,228 |
| Retained earnings to average equity (ytd only) | -2.4875% | 6,053 |
| Net charge-offs to loans | 2.0069% | 96 |
| Credit loss provision to net charge-offs | 49.7312% | 3,486 |
| Earnings coverage of net charge-offs (x) | -0.4489% | 4,759 |
| Efficiency ratio | 113.8589% | 172 |
| Assets per employee ($millions) | 3.7558% | 4,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3460% | 3,192 |
| Loan loss allowance to noncurrent loans | 23.9806% | 5,772 |
| Noncurrent assets plus other real estate owned to assets | 2.7424% | 795 |
| Noncurrent loans to loans | 5.6128% | 223 |
| Net loans and leases to total assets | 48.2028% | 5,134 |
| Net loans and leases to deposits | 76.7216% | 3,114 |
| Net loans and leases to core deposits | 82.7801% | 3,019 |
| Total domestic deposits to total assets | 62.8282% | 6,374 |
| Equity capital to assets | 36.9535% | 53 |
| Core capital (leverage) ratio | 36.5055% | 53 |
| Tier 1 risk-based capital ratio | 65.3044% | 78 |
| Total risk-based capital ratio | 66.4892% | 78 |
| Memoranda: | ||
| Average total assets | $38,267,400 | 6,075 |
| Average earning assets | $35,106,600 | 6,060 |
| Average equity | $14,150,600 | 3,999 |
| Average total loans | $18,536,200 | 6,016 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0443% | 6,088 |
| Cost of funding earning assets | 0.0756% | 6,468 |
| Net interest margin | 2.9687% | 5,563 |
| Noninterest income to average assets | 0.6242% | 2,720 |
| Noninterest expense to average assets | 3.5617% | 1,361 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.2150% | 6,271 |
| Return on assets (ROA) | -0.2150% | 6,275 |
| Pretax return on assets | -0.2150% | 6,259 |
| Return on Equity (ROE) | -0.5814% | 6,198 |
| Retained earnings to average equity (ytd only) | -0.5814% | 5,887 |
| Net charge-offs to loans | -0.0215% | 5,633 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.4249% | 267 |
| Assets per employee ($millions) | 3.4616% | 4,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3057% | 820 |
| Loan loss allowance to noncurrent loans | 67.5969% | 4,554 |
| Noncurrent assets plus other real estate owned to assets | 1.6939% | 1,782 |
| Noncurrent loans to loans | 3.4109% | 714 |
| Net loans and leases to total assets | 48.5162% | 5,148 |
| Net loans and leases to deposits | 77.5306% | 3,000 |
| Net loans and leases to core deposits | 83.5852% | 2,933 |
| Total domestic deposits to total assets | 62.5768% | 6,456 |
| Equity capital to assets | 37.2131% | 51 |
| Core capital (leverage) ratio | 36.7764% | 52 |
| Tier 1 risk-based capital ratio | 65.7106% | 77 |
| Total risk-based capital ratio | 66.9722% | 75 |
| Memoranda: | ||
| Average total assets | $38,444,750 | 6,146 |
| Average earning assets | $35,256,250 | 6,130 |
| Average equity | $14,218,500 | 4,013 |
| Average total loans | $18,582,500 | 6,080 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9859% | 6,194 |
| Cost of funding earning assets | 0.0735% | 6,537 |
| Net interest margin | 2.9123% | 5,716 |
| Noninterest income to average assets | 0.8194% | 1,764 |
| Noninterest expense to average assets | 3.6145% | 1,271 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.1245% | 6,272 |
| Return on assets (ROA) | -0.1245% | 6,285 |
| Pretax return on assets | -0.1245% | 6,273 |
| Return on Equity (ROE) | -0.3372% | 6,229 |
| Retained earnings to average equity (ytd only) | -0.3372% | 5,737 |
| Net charge-offs to loans | -0.0217% | 5,575 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.5661% | 325 |
| Assets per employee ($millions) | 3.5415% | 4,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3936% | 816 |
| Loan loss allowance to noncurrent loans | 2,725.0000% | 217 |
| Noncurrent assets plus other real estate owned to assets | 0.0411% | 6,080 |
| Noncurrent loans to loans | 0.0878% | 5,752 |
| Net loans and leases to total assets | 45.6387% | 5,401 |
| Net loans and leases to deposits | 72.0790% | 3,556 |
| Net loans and leases to core deposits | 77.4988% | 3,496 |
| Total domestic deposits to total assets | 63.3176% | 6,521 |
| Equity capital to assets | 36.4719% | 52 |
| Core capital (leverage) ratio | 36.0352% | 50 |
| Tier 1 risk-based capital ratio | 65.3113% | 81 |
| Total risk-based capital ratio | 66.5714% | 80 |
| Memoranda: | ||
| Average total assets | $38,567,000 | 6,208 |
| Average earning assets | $35,366,670 | 6,187 |
| Average equity | $14,234,670 | 4,001 |
| Average total loans | $18,473,330 | 6,140 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9823% | 6,258 |
| Cost of funding earning assets | 0.0797% | 6,605 |
| Net interest margin | 2.9026% | 5,746 |
| Noninterest income to average assets | 1.3968% | 593 |
| Noninterest expense to average assets | 3.7214% | 1,098 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3336% | 5,380 |
| Return on assets (ROA) | 0.3336% | 5,431 |
| Pretax return on assets | 0.3336% | 5,638 |
| Return on Equity (ROE) | 0.8984% | 6,060 |
| Retained earnings to average equity (ytd only) | 0.8984% | 5,238 |
| Net charge-offs to loans | -0.0215% | 5,391 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7738% | 894 |
| Assets per employee ($millions) | 3.4681% | 4,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3342% | 983 |
| Loan loss allowance to noncurrent loans | 225.3886% | 1,891 |
| Noncurrent assets plus other real estate owned to assets | 0.5059% | 4,635 |
| Noncurrent loans to loans | 1.0356% | 3,355 |
| Net loans and leases to total assets | 47.7103% | 5,167 |
| Net loans and leases to deposits | 76.5713% | 2,748 |
| Net loans and leases to core deposits | 82.5629% | 2,684 |
| Total domestic deposits to total assets | 62.3083% | 6,617 |
| Equity capital to assets | 37.3902% | 54 |
| Core capital (leverage) ratio | 36.9489% | 54 |
| Tier 1 risk-based capital ratio | 62.6881% | 85 |
| Total risk-based capital ratio | 63.9466% | 82 |
| Memoranda: | ||
| Average total assets | $38,372,500 | 6,277 |
| Average earning assets | $35,140,500 | 6,250 |
| Average equity | $14,248,000 | 4,001 |
| Average total loans | $18,602,500 | 6,195 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1150% | 6,226 |
| Cost of funding earning assets | 0.0810% | 6,705 |
| Net interest margin | 3.0339% | 5,498 |
| Noninterest income to average assets | 0.6684% | 2,713 |
| Noninterest expense to average assets | 3.4707% | 1,724 |
| Loan and lease loss provision to assets | 0.1312% | 2,670 |
| Net operating income to assets | -0.1535% | 6,340 |
| Return on assets (ROA) | -0.1535% | 6,355 |
| Pretax return on assets | -0.1535% | 6,326 |
| Return on Equity (ROE) | -0.4353% | 6,293 |
| Retained earnings to average equity (ytd only) | -0.4353% | 5,959 |
| Net charge-offs to loans | 0.3771% | 1,785 |
| Credit loss provision to net charge-offs | 70.6667% | 3,292 |
| Earnings coverage of net charge-offs (x) | -0.1200% | 5,123 |
| Efficiency ratio | 100.6461% | 461 |
| Assets per employee ($millions) | 3.2163% | 5,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3372% | 997 |
| Loan loss allowance to noncurrent loans | 563.6364% | 863 |
| Noncurrent assets plus other real estate owned to assets | 0.1995% | 5,701 |
| Noncurrent loans to loans | 0.4147% | 4,968 |
| Net loans and leases to total assets | 46.9867% | 5,399 |
| Net loans and leases to deposits | 74.6727% | 3,162 |
| Net loans and leases to core deposits | 80.3785% | 3,082 |
| Total domestic deposits to total assets | 62.9236% | 6,689 |
| Equity capital to assets | 36.8743% | 52 |
| Core capital (leverage) ratio | 36.4263% | 50 |
| Tier 1 risk-based capital ratio | 61.9398% | 82 |
| Total risk-based capital ratio | 63.1999% | 81 |
| Memoranda: | ||
| Average total assets | $40,395,800 | 6,276 |
| Average earning assets | $37,014,800 | 6,255 |
| Average equity | $14,242,600 | 4,018 |
| Average total loans | $19,886,600 | 6,206 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1035% | 6,314 |
| Cost of funding earning assets | 0.0855% | 6,790 |
| Net interest margin | 3.0180% | 5,550 |
| Noninterest income to average assets | 0.5908% | 3,214 |
| Noninterest expense to average assets | 3.4177% | 1,787 |
| Loan and lease loss provision to assets | 0.1730% | 2,101 |
| Net operating income to assets | -0.2350% | 6,487 |
| Return on assets (ROA) | -0.2350% | 6,501 |
| Pretax return on assets | -0.2350% | 6,481 |
| Return on Equity (ROE) | -0.6739% | 6,401 |
| Retained earnings to average equity (ytd only) | -0.6739% | 6,080 |
| Net charge-offs to loans | 0.5012% | 1,283 |
| Credit loss provision to net charge-offs | 69.7368% | 3,080 |
| Earnings coverage of net charge-offs (x) | -0.2500% | 4,922 |
| Efficiency ratio | 101.8482% | 410 |
| Assets per employee ($millions) | 3.6766% | 4,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2463% | 1,259 |
| Loan loss allowance to noncurrent loans | 48.9819% | 5,263 |
| Noncurrent assets plus other real estate owned to assets | 2.3317% | 1,687 |
| Noncurrent loans to loans | 4.5860% | 699 |
| Net loans and leases to total assets | 46.5915% | 5,484 |
| Net loans and leases to deposits | 72.1180% | 3,502 |
| Net loans and leases to core deposits | 77.2096% | 3,467 |
| Total domestic deposits to total assets | 64.6045% | 6,734 |
| Equity capital to assets | 35.1655% | 54 |
| Core capital (leverage) ratio | 34.7282% | 51 |
| Tier 1 risk-based capital ratio | 59.7883% | 90 |
| Total risk-based capital ratio | 60.9454% | 90 |
| Memoranda: | ||
| Average total assets | $40,845,750 | 6,338 |
| Average earning assets | $37,418,750 | 6,313 |
| Average equity | $14,245,250 | 4,069 |
| Average total loans | $20,216,000 | 6,255 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1205% | 6,319 |
| Cost of funding earning assets | 0.0799% | 6,852 |
| Net interest margin | 3.0407% | 5,461 |
| Noninterest income to average assets | 0.7174% | 2,560 |
| Noninterest expense to average assets | 3.4261% | 1,770 |
| Loan and lease loss provision to assets | 0.2587% | 1,431 |
| Net operating income to assets | -0.1806% | 6,483 |
| Return on assets (ROA) | -0.1806% | 6,516 |
| Pretax return on assets | -0.1806% | 6,485 |
| Return on Equity (ROE) | -0.5192% | 6,413 |
| Retained earnings to average equity (ytd only) | -0.5192% | 5,962 |
| Net charge-offs to loans | 0.7404% | 875 |
| Credit loss provision to net charge-offs | 69.7368% | 2,835 |
| Earnings coverage of net charge-offs (x) | 0.2105% | 4,480 |
| Efficiency ratio | 97.7716% | 579 |
| Assets per employee ($millions) | 3.6956% | 4,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2320% | 1,362 |
| Loan loss allowance to noncurrent loans | 47.3742% | 5,323 |
| Noncurrent assets plus other real estate owned to assets | 2.3935% | 1,779 |
| Noncurrent loans to loans | 4.7113% | 719 |
| Net loans and leases to total assets | 46.6570% | 5,460 |
| Net loans and leases to deposits | 72.1124% | 3,434 |
| Net loans and leases to core deposits | 77.1675% | 3,403 |
| Total domestic deposits to total assets | 64.7004% | 6,785 |
| Equity capital to assets | 35.0684% | 51 |
| Core capital (leverage) ratio | 34.6310% | 50 |
| Tier 1 risk-based capital ratio | 59.4229% | 91 |
| Total risk-based capital ratio | 60.5745% | 90 |
| Memoranda: | ||
| Average total assets | $40,980,000 | 6,380 |
| Average earning assets | $37,557,670 | 6,356 |
| Average equity | $14,253,000 | 4,098 |
| Average total loans | $20,529,330 | 6,277 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1631% | 6,339 |
| Cost of funding earning assets | 0.0849% | 6,925 |
| Net interest margin | 3.0782% | 5,335 |
| Noninterest income to average assets | 0.3694% | 4,712 |
| Noninterest expense to average assets | 3.4707% | 1,679 |
| Loan and lease loss provision to assets | 0.5153% | 515 |
| Net operating income to assets | -0.7972% | 6,763 |
| Return on assets (ROA) | -0.7972% | 6,777 |
| Pretax return on assets | -0.7972% | 6,756 |
| Return on Equity (ROE) | -2.3015% | 6,575 |
| Retained earnings to average equity (ytd only) | -2.3015% | 6,113 |
| Net charge-offs to loans | 1.0240% | 598 |
| Credit loss provision to net charge-offs | 98.1481% | 1,901 |
| Earnings coverage of net charge-offs (x) | -0.5370% | 3,928 |
| Efficiency ratio | 108.8415% | 345 |
| Assets per employee ($millions) | 3.7354% | 4,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2693% | 1,457 |
| Loan loss allowance to noncurrent loans | 875.0000% | 533 |
| Noncurrent assets plus other real estate owned to assets | 0.2701% | 5,753 |
| Noncurrent loans to loans | 0.2594% | 5,761 |
| Net loans and leases to total assets | 47.6892% | 5,259 |
| Net loans and leases to deposits | 73.2304% | 3,015 |
| Net loans and leases to core deposits | 78.2048% | 3,035 |
| Total domestic deposits to total assets | 65.1221% | 6,864 |
| Equity capital to assets | 34.5883% | 55 |
| Core capital (leverage) ratio | 34.1476% | 51 |
| Tier 1 risk-based capital ratio | 59.2686% | 93 |
| Total risk-based capital ratio | 60.4848% | 93 |
| Memoranda: | ||
| Average total assets | $41,144,000 | 6,433 |
| Average earning assets | $37,684,500 | 6,416 |
| Average equity | $14,251,500 | 4,149 |
| Average total loans | $21,094,000 | 6,307 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5437% | 6,304 |
| Cost of funding earning assets | 0.1186% | 6,974 |
| Net interest margin | 3.4251% | 4,798 |
| Noninterest income to average assets | 0.3414% | 5,018 |
| Noninterest expense to average assets | 3.4044% | 2,034 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.1083% | 5,999 |
| Return on assets (ROA) | 0.1083% | 6,138 |
| Pretax return on assets | 0.0659% | 6,202 |
| Return on Equity (ROE) | 0.3223% | 6,259 |
| Retained earnings to average equity (ytd only) | 0.3223% | 5,696 |
| Net charge-offs to loans | 0.7598% | 1,541 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 0.1591% | 5,412 |
| Efficiency ratio | 98.1004% | 629 |
| Assets per employee ($millions) | 3.7454% | 4,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0598% | 1,861 |
| Loan loss allowance to noncurrent loans | 359.0551% | 1,099 |
| Noncurrent assets plus other real estate owned to assets | 0.4515% | 5,353 |
| Noncurrent loans to loans | 0.5737% | 5,095 |
| Net loans and leases to total assets | 52.6275% | 4,821 |
| Net loans and leases to deposits | 80.8457% | 2,171 |
| Net loans and leases to core deposits | 86.3240% | 2,270 |
| Total domestic deposits to total assets | 65.0962% | 6,916 |
| Equity capital to assets | 34.6877% | 54 |
| Core capital (leverage) ratio | 34.2440% | 50 |
| Tier 1 risk-based capital ratio | 54.2698% | 120 |
| Total risk-based capital ratio | 54.2698% | 124 |
| Memoranda: | ||
| Average total assets | $42,474,000 | 6,413 |
| Average earning assets | $38,801,600 | 6,406 |
| Average equity | $14,274,400 | 4,109 |
| Average total loans | $23,163,400 | 6,284 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5774% | 6,418 |
| Cost of funding earning assets | 0.1262% | 7,079 |
| Net interest margin | 3.4513% | 4,839 |
| Noninterest income to average assets | 0.3427% | 5,069 |
| Noninterest expense to average assets | 3.3899% | 2,028 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.1620% | 6,006 |
| Return on assets (ROA) | 0.1620% | 6,156 |
| Pretax return on assets | 0.1059% | 6,265 |
| Return on Equity (ROE) | 0.4858% | 6,341 |
| Retained earnings to average equity (ytd only) | 0.4858% | 5,944 |
| Net charge-offs to loans | 1.0020% | 1,060 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 0.1932% | 5,228 |
| Efficiency ratio | 96.9697% | 639 |
| Assets per employee ($millions) | 3.8781% | 4,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9913% | 2,192 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1383% | 6,370 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 52.6126% | 4,964 |
| Net loans and leases to deposits | 79.3635% | 2,489 |
| Net loans and leases to core deposits | 85.5368% | 2,526 |
| Total domestic deposits to total assets | 66.2932% | 6,972 |
| Equity capital to assets | 33.5170% | 57 |
| Core capital (leverage) ratio | 33.0872% | 54 |
| Tier 1 risk-based capital ratio | 55.7459% | 109 |
| Total risk-based capital ratio | 55.7459% | 117 |
| Memoranda: | ||
| Average total assets | $42,792,750 | 6,478 |
| Average earning assets | $39,095,750 | 6,460 |
| Average equity | $14,270,250 | 4,148 |
| Average total loans | $23,419,750 | 6,359 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6414% | 6,435 |
| Cost of funding earning assets | 0.1381% | 7,140 |
| Net interest margin | 3.5033% | 4,651 |
| Noninterest income to average assets | 0.3455% | 5,072 |
| Noninterest expense to average assets | 3.4409% | 1,933 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.1821% | 5,971 |
| Return on assets (ROA) | 0.1821% | 6,144 |
| Pretax return on assets | 0.1027% | 6,324 |
| Return on Equity (ROE) | 0.5469% | 6,380 |
| Retained earnings to average equity (ytd only) | 0.5469% | 5,845 |
| Net charge-offs to loans | 1.3648% | 757 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 0.1366% | 5,005 |
| Efficiency ratio | 97.1014% | 653 |
| Assets per employee ($millions) | 3.5828% | 4,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9978% | 2,239 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2954% | 6,029 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 53.7413% | 4,850 |
| Net loans and leases to deposits | 80.6992% | 2,277 |
| Net loans and leases to core deposits | 86.8903% | 2,322 |
| Total domestic deposits to total assets | 66.5946% | 7,034 |
| Equity capital to assets | 33.2240% | 57 |
| Core capital (leverage) ratio | 32.7658% | 54 |
| Tier 1 risk-based capital ratio | 53.7124% | 118 |
| Total risk-based capital ratio | 53.7124% | 123 |
| Memoranda: | ||
| Average total assets | $42,837,330 | 6,513 |
| Average earning assets | $39,106,000 | 6,507 |
| Average equity | $14,261,000 | 4,145 |
| Average total loans | $23,593,000 | 6,384 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6797% | 6,475 |
| Cost of funding earning assets | 0.1640% | 7,160 |
| Net interest margin | 3.5157% | 4,615 |
| Noninterest income to average assets | 0.2619% | 5,772 |
| Noninterest expense to average assets | 3.5735% | 1,620 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.0655% | 6,305 |
| Return on assets (ROA) | 0.0655% | 6,423 |
| Pretax return on assets | -0.1029% | 6,603 |
| Return on Equity (ROE) | 0.1965% | 6,488 |
| Retained earnings to average equity (ytd only) | 0.1965% | 5,915 |
| Net charge-offs to loans | 2.7286% | 283 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -0.0683% | 4,397 |
| Efficiency ratio | 102.9650% | 474 |
| Assets per employee ($millions) | 3.5754% | 4,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0041% | 2,339 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2960% | 6,154 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 53.6791% | 4,771 |
| Net loans and leases to deposits | 80.6775% | 2,105 |
| Net loans and leases to core deposits | 87.0968% | 2,167 |
| Total domestic deposits to total assets | 66.5354% | 7,093 |
| Equity capital to assets | 33.2199% | 51 |
| Core capital (leverage) ratio | 32.7781% | 47 |
| Tier 1 risk-based capital ratio | 52.7148% | 118 |
| Total risk-based capital ratio | 52.7148% | 122 |
| Memoranda: | ||
| Average total assets | $42,759,500 | 6,576 |
| Average earning assets | $39,024,500 | 6,562 |
| Average equity | $14,249,500 | 4,147 |
| Average total loans | $23,601,500 | 6,440 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5282% | 6,979 |
| Cost of funding earning assets | 0.3441% | 7,025 |
| Net interest margin | 3.1841% | 6,142 |
| Noninterest income to average assets | 0.2088% | 6,023 |
| Noninterest expense to average assets | 3.1827% | 2,926 |
| Loan and lease loss provision to assets | 0.1476% | 4,767 |
| Net operating income to assets | 0.0045% | 6,029 |
| Return on assets (ROA) | 0.0045% | 6,155 |
| Pretax return on assets | -0.2225% | 6,299 |
| Return on Equity (ROE) | 0.0140% | 6,159 |
| Retained earnings to average equity (ytd only) | 0.0140% | 5,827 |
| Net charge-offs to loans | 0.3923% | 3,454 |
| Credit loss provision to net charge-offs | 70.6522% | 4,820 |
| Earnings coverage of net charge-offs (x) | -0.3587% | 6,029 |
| Efficiency ratio | 102.4105% | 604 |
| Assets per employee ($millions) | 3.5512% | 4,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9535% | 2,411 |
| Loan loss allowance to noncurrent loans | 219.4313% | 1,509 |
| Noncurrent assets plus other real estate owned to assets | 0.6336% | 5,390 |
| Noncurrent loans to loans | 0.8903% | 4,907 |
| Net loans and leases to total assets | 54.5314% | 4,943 |
| Net loans and leases to deposits | 82.2148% | 2,170 |
| Net loans and leases to core deposits | 90.5012% | 2,054 |
| Total domestic deposits to total assets | 66.3280% | 7,123 |
| Equity capital to assets | 33.4303% | 56 |
| Core capital (leverage) ratio | 32.9893% | 57 |
| Tier 1 risk-based capital ratio | 58.3898% | 100 |
| Total risk-based capital ratio | 59.6480% | 98 |
| Memoranda: | ||
| Average total assets | $44,051,000 | 6,536 |
| Average earning assets | $40,105,000 | 6,526 |
| Average equity | $14,259,400 | 4,056 |
| Average total loans | $23,448,800 | 6,489 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5256% | 7,071 |
| Cost of funding earning assets | 0.3859% | 7,046 |
| Net interest margin | 3.1397% | 6,315 |
| Noninterest income to average assets | 0.1591% | 6,455 |
| Noninterest expense to average assets | 3.1463% | 3,007 |
| Loan and lease loss provision to assets | 0.1921% | 4,097 |
| Net operating income to assets | -0.0210% | 6,182 |
| Return on assets (ROA) | -0.0210% | 6,285 |
| Pretax return on assets | -0.3212% | 6,513 |
| Return on Equity (ROE) | -0.0654% | 6,270 |
| Retained earnings to average equity (ytd only) | -0.0654% | 5,973 |
| Net charge-offs to loans | 0.1026% | 4,969 |
| Credit loss provision to net charge-offs | 355.5556% | 798 |
| Earnings coverage of net charge-offs (x) | -2.3888% | 6,042 |
| Efficiency ratio | 104.2786% | 544 |
| Assets per employee ($millions) | 3.6128% | 4,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3498% | 1,621 |
| Loan loss allowance to noncurrent loans | 108.0645% | 2,770 |
| Noncurrent assets plus other real estate owned to assets | 1.2802% | 4,247 |
| Noncurrent loans to loans | 2.1745% | 3,147 |
| Net loans and leases to total assets | 51.3770% | 5,531 |
| Net loans and leases to deposits | 76.8042% | 3,193 |
| Net loans and leases to core deposits | 82.7968% | 3,214 |
| Total domestic deposits to total assets | 66.8935% | 7,173 |
| Equity capital to assets | 32.8436% | 65 |
| Core capital (leverage) ratio | 32.4064% | 65 |
| Tier 1 risk-based capital ratio | 59.4085% | 113 |
| Total risk-based capital ratio | 60.5660% | 113 |
| Memoranda: | ||
| Average total assets | $44,410,250 | 6,581 |
| Average earning assets | $40,427,500 | 6,566 |
| Average equity | $14,262,750 | 4,079 |
| Average total loans | $23,385,750 | 6,562 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5618% | 7,124 |
| Cost of funding earning assets | 0.3881% | 7,153 |
| Net interest margin | 3.1737% | 6,234 |
| Noninterest income to average assets | 0.0313% | 7,115 |
| Noninterest expense to average assets | 3.1500% | 3,080 |
| Loan and lease loss provision to assets | 0.2726% | 3,210 |
| Net operating income to assets | -0.0581% | 6,307 |
| Return on assets (ROA) | -0.0581% | 6,363 |
| Pretax return on assets | -0.5049% | 6,660 |
| Return on Equity (ROE) | -0.1822% | 6,321 |
| Retained earnings to average equity (ytd only) | -0.1822% | 5,872 |
| Net charge-offs to loans | 0.1527% | 4,268 |
| Credit loss provision to net charge-offs | 338.8889% | 902 |
| Earnings coverage of net charge-offs (x) | -2.8889% | 5,748 |
| Efficiency ratio | 107.9632% | 515 |
| Assets per employee ($millions) | 3.7157% | 4,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3342% | 1,688 |
| Loan loss allowance to noncurrent loans | 99.2593% | 2,907 |
| Noncurrent assets plus other real estate owned to assets | 1.3434% | 4,211 |
| Noncurrent loans to loans | 2.3516% | 3,043 |
| Net loans and leases to total assets | 50.2983% | 5,783 |
| Net loans and leases to deposits | 74.1634% | 3,784 |
| Net loans and leases to core deposits | 82.6985% | 3,402 |
| Total domestic deposits to total assets | 67.8209% | 7,198 |
| Equity capital to assets | 31.9144% | 70 |
| Core capital (leverage) ratio | 31.4830% | 72 |
| Tier 1 risk-based capital ratio | 57.6553% | 116 |
| Total risk-based capital ratio | 58.9157% | 114 |
| Memoranda: | ||
| Average total assets | $44,762,330 | 6,629 |
| Average earning assets | $40,710,000 | 6,608 |
| Average equity | $14,270,670 | 4,070 |
| Average total loans | $23,577,670 | 6,613 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7716% | 6,985 |
| Cost of funding earning assets | 0.4027% | 7,218 |
| Net interest margin | 3.3689% | 5,545 |
| Noninterest income to average assets | 0.5440% | 3,553 |
| Noninterest expense to average assets | 3.1216% | 3,175 |
| Loan and lease loss provision to assets | 0.5351% | 1,624 |
| Net operating income to assets | 0.8384% | 2,838 |
| Return on assets (ROA) | 0.8384% | 2,899 |
| Pretax return on assets | -0.0535% | 6,408 |
| Return on Equity (ROE) | 2.6310% | 5,552 |
| Retained earnings to average equity (ytd only) | 2.6310% | 4,591 |
| Net charge-offs to loans | 0.7871% | 1,643 |
| Credit loss provision to net charge-offs | 127.6596% | 2,162 |
| Earnings coverage of net charge-offs (x) | 1.1489% | 3,798 |
| Efficiency ratio | 86.6337% | 1,645 |
| Assets per employee ($millions) | 3.7021% | 4,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1480% | 2,081 |
| Loan loss allowance to noncurrent loans | 192.3954% | 1,539 |
| Noncurrent assets plus other real estate owned to assets | 0.8329% | 5,243 |
| Noncurrent loans to loans | 1.1164% | 4,841 |
| Net loans and leases to total assets | 51.8875% | 5,598 |
| Net loans and leases to deposits | 76.9521% | 3,262 |
| Net loans and leases to core deposits | 84.6250% | 3,081 |
| Total domestic deposits to total assets | 67.4282% | 7,286 |
| Equity capital to assets | 32.2746% | 69 |
| Core capital (leverage) ratio | 31.8778% | 69 |
| Tier 1 risk-based capital ratio | 58.6628% | 111 |
| Total risk-based capital ratio | 59.9250% | 109 |
| Memoranda: | ||
| Average total assets | $44,849,500 | 6,674 |
| Average earning assets | $40,725,000 | 6,656 |
| Average equity | $14,291,000 | 4,053 |
| Average total loans | $23,885,000 | 6,652 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1956% | 6,929 |
| Cost of funding earning assets | 0.5057% | 7,291 |
| Net interest margin | 3.6899% | 4,391 |
| Noninterest income to average assets | 0.3676% | 5,164 |
| Noninterest expense to average assets | 2.9101% | 4,186 |
| Loan and lease loss provision to assets | 1.2613% | 1,234 |
| Net operating income to assets | -0.4931% | 6,385 |
| Return on assets (ROA) | -0.4931% | 6,413 |
| Pretax return on assets | -0.4469% | 6,284 |
| Return on Equity (ROE) | -1.5557% | 6,126 |
| Retained earnings to average equity (ytd only) | -1.5557% | 5,899 |
| Net charge-offs to loans | 1.9708% | 1,034 |
| Credit loss provision to net charge-offs | 114.6000% | 3,787 |
| Earnings coverage of net charge-offs (x) | 0.7400% | 5,377 |
| Efficiency ratio | 78.1324% | 2,686 |
| Assets per employee ($millions) | 3.7728% | 4,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0320% | 2,218 |
| Loan loss allowance to noncurrent loans | 130.8511% | 2,249 |
| Noncurrent assets plus other real estate owned to assets | 1.0668% | 4,873 |
| Noncurrent loans to loans | 1.5529% | 4,172 |
| Net loans and leases to total assets | 52.3943% | 5,864 |
| Net loans and leases to deposits | 77.0112% | 3,682 |
| Net loans and leases to core deposits | 88.5541% | 2,972 |
| Total domestic deposits to total assets | 68.0346% | 7,323 |
| Equity capital to assets | 31.4618% | 73 |
| Core capital (leverage) ratio | 31.0738% | 80 |
| Tier 1 risk-based capital ratio | 57.6053% | 116 |
| Total risk-based capital ratio | 58.1778% | 115 |
| Memoranda: | ||
| Average total assets | $45,428,400 | 6,682 |
| Average earning assets | $41,328,600 | 6,664 |
| Average equity | $14,398,400 | 4,047 |
| Average total loans | $25,370,600 | 6,649 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2787% | 6,991 |
| Cost of funding earning assets | 0.5316% | 7,397 |
| Net interest margin | 3.7471% | 4,197 |
| Noninterest income to average assets | 0.2991% | 5,749 |
| Noninterest expense to average assets | 2.9207% | 4,009 |
| Loan and lease loss provision to assets | 0.7273% | 2,097 |
| Net operating income to assets | 0.0792% | 5,822 |
| Return on assets (ROA) | 0.0792% | 5,961 |
| Pretax return on assets | 0.0616% | 5,985 |
| Return on Equity (ROE) | 0.2494% | 6,061 |
| Retained earnings to average equity (ytd only) | 0.2494% | 5,681 |
| Net charge-offs to loans | 1.3925% | 1,458 |
| Credit loss provision to net charge-offs | 92.5373% | 4,672 |
| Earnings coverage of net charge-offs (x) | 1.0038% | 5,059 |
| Efficiency ratio | 78.7352% | 2,526 |
| Assets per employee ($millions) | 3.8035% | 4,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5712% | 3,654 |
| Loan loss allowance to noncurrent loans | 83.6478% | 3,256 |
| Noncurrent assets plus other real estate owned to assets | 1.2795% | 4,585 |
| Noncurrent loans to loans | 1.8784% | 3,829 |
| Net loans and leases to total assets | 54.7632% | 5,732 |
| Net loans and leases to deposits | 80.8716% | 3,295 |
| Net loans and leases to core deposits | 94.0298% | 2,524 |
| Total domestic deposits to total assets | 67.7161% | 7,396 |
| Equity capital to assets | 31.7580% | 77 |
| Core capital (leverage) ratio | 31.3694% | 77 |
| Tier 1 risk-based capital ratio | 63.0179% | 97 |
| Total risk-based capital ratio | 64.2130% | 98 |
| Memoranda: | ||
| Average total assets | $45,467,000 | 6,763 |
| Average earning assets | $41,382,500 | 6,746 |
| Average equity | $14,437,000 | 4,103 |
| Average total loans | $25,660,000 | 6,720 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3905% | 6,916 |
| Cost of funding earning assets | 0.5603% | 7,470 |
| Net interest margin | 3.8302% | 3,763 |
| Noninterest income to average assets | 0.1674% | 6,706 |
| Noninterest expense to average assets | 2.9774% | 3,796 |
| Loan and lease loss provision to assets | 1.0747% | 1,342 |
| Net operating income to assets | -0.1806% | 6,331 |
| Return on assets (ROA) | -0.1806% | 6,389 |
| Pretax return on assets | -0.3920% | 6,504 |
| Return on Equity (ROE) | -0.5687% | 6,266 |
| Retained earnings to average equity (ytd only) | -0.5687% | 5,863 |
| Net charge-offs to loans | 0.8389% | 2,151 |
| Credit loss provision to net charge-offs | 225.9259% | 1,713 |
| Earnings coverage of net charge-offs (x) | 1.4352% | 4,413 |
| Efficiency ratio | 81.3478% | 2,250 |
| Assets per employee ($millions) | 3.8233% | 4,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1795% | 1,804 |
| Loan loss allowance to noncurrent loans | 125.5079% | 2,224 |
| Noncurrent assets plus other real estate owned to assets | 1.1988% | 4,743 |
| Noncurrent loans to loans | 1.7365% | 4,080 |
| Net loans and leases to total assets | 54.3931% | 5,933 |
| Net loans and leases to deposits | 79.9583% | 3,603 |
| Net loans and leases to core deposits | 89.1441% | 3,389 |
| Total domestic deposits to total assets | 68.0268% | 7,429 |
| Equity capital to assets | 31.4436% | 73 |
| Core capital (leverage) ratio | 31.0552% | 77 |
| Tier 1 risk-based capital ratio | 53.8012% | 137 |
| Total risk-based capital ratio | 55.0619% | 135 |
| Memoranda: | ||
| Average total assets | $45,408,670 | 6,813 |
| Average earning assets | $41,407,670 | 6,797 |
| Average equity | $14,417,670 | 4,110 |
| Average total loans | $25,748,670 | 6,757 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5322% | 6,724 |
| Cost of funding earning assets | 0.5714% | 7,578 |
| Net interest margin | 3.9609% | 3,049 |
| Noninterest income to average assets | -0.0266% | 7,710 |
| Noninterest expense to average assets | 3.0460% | 3,495 |
| Loan and lease loss provision to assets | 2.1606% | 500 |
| Net operating income to assets | -0.9386% | 7,074 |
| Return on assets (ROA) | -0.9386% | 7,097 |
| Pretax return on assets | -1.6116% | 7,292 |
| Return on Equity (ROE) | -2.9417% | 6,733 |
| Retained earnings to average equity (ytd only) | -2.9417% | 6,354 |
| Net charge-offs to loans | 1.3917% | 1,240 |
| Credit loss provision to net charge-offs | 271.1111% | 1,462 |
| Earnings coverage of net charge-offs (x) | 0.6889% | 4,415 |
| Efficiency ratio | 84.7291% | 1,945 |
| Assets per employee ($millions) | 3.7718% | 4,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2594% | 1,644 |
| Loan loss allowance to noncurrent loans | 74.8698% | 3,633 |
| Noncurrent assets plus other real estate owned to assets | 2.0415% | 3,451 |
| Noncurrent loans to loans | 3.0178% | 2,655 |
| Net loans and leases to total assets | 54.9568% | 5,899 |
| Net loans and leases to deposits | 81.0835% | 3,446 |
| Net loans and leases to core deposits | 90.5332% | 3,297 |
| Total domestic deposits to total assets | 67.7780% | 7,539 |
| Equity capital to assets | 31.7293% | 75 |
| Core capital (leverage) ratio | 31.3379% | 79 |
| Tier 1 risk-based capital ratio | 54.2340% | 132 |
| Total risk-based capital ratio | 55.4915% | 131 |
| Memoranda: | ||
| Average total assets | $45,173,500 | 6,903 |
| Average earning assets | $41,304,000 | 6,885 |
| Average equity | $14,413,500 | 4,145 |
| Average total loans | $25,867,500 | 6,831 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2961% | 7,561 |
| Cost of funding earning assets | 0.9257% | 7,348 |
| Net interest margin | 3.3704% | 5,494 |
| Noninterest income to average assets | 0.6449% | 3,326 |
| Noninterest expense to average assets | 3.3899% | 2,714 |
| Loan and lease loss provision to assets | 1.3843% | 1,655 |
| Net operating income to assets | -0.5503% | 6,232 |
| Return on assets (ROA) | -0.5503% | 6,226 |
| Pretax return on assets | -0.9673% | 6,389 |
| Return on Equity (ROE) | -1.7723% | 5,820 |
| Retained earnings to average equity (ytd only) | -1.7723% | 5,457 |
| Net charge-offs to loans | 3.0800% | 676 |
| Credit loss provision to net charge-offs | 76.8496% | 6,364 |
| Earnings coverage of net charge-offs (x) | 0.2315% | 5,897 |
| Efficiency ratio | 89.0457% | 1,791 |
| Assets per employee ($millions) | 3.4682% | 5,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5940% | 3,302 |
| Loan loss allowance to noncurrent loans | 27.2078% | 6,661 |
| Noncurrent assets plus other real estate owned to assets | 3.6308% | 1,835 |
| Noncurrent loans to loans | 5.8586% | 1,070 |
| Net loans and leases to total assets | 57.3726% | 5,762 |
| Net loans and leases to deposits | 85.0077% | 3,084 |
| Net loans and leases to core deposits | 130.7074% | 1,244 |
| Total domestic deposits to total assets | 67.4910% | 7,582 |
| Equity capital to assets | 32.0853% | 90 |
| Core capital (leverage) ratio | 31.7454% | 90 |
| Tier 1 risk-based capital ratio | 54.4527% | 134 |
| Total risk-based capital ratio | 55.7063% | 130 |
| Memoranda: | ||
| Average total assets | $46,521,000 | 6,845 |
| Average earning assets | $43,644,400 | 6,775 |
| Average equity | $14,444,200 | 4,161 |
| Average total loans | $27,208,000 | 6,790 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2414% | 7,699 |
| Cost of funding earning assets | 1.0075% | 7,374 |
| Net interest margin | 3.2338% | 5,900 |
| Noninterest income to average assets | 0.5063% | 4,435 |
| Noninterest expense to average assets | 3.4840% | 2,318 |
| Loan and lease loss provision to assets | 1.6837% | 1,105 |
| Net operating income to assets | -0.9414% | 6,790 |
| Return on assets (ROA) | -0.9414% | 6,797 |
| Pretax return on assets | -1.6126% | 7,018 |
| Return on Equity (ROE) | -3.0565% | 6,250 |
| Retained earnings to average equity (ytd only) | -3.0565% | 5,943 |
| Net charge-offs to loans | 3.0516% | 534 |
| Credit loss provision to net charge-offs | 94.2675% | 5,363 |
| Earnings coverage of net charge-offs (x) | 0.0398% | 6,010 |
| Efficiency ratio | 98.0000% | 1,163 |
| Assets per employee ($millions) | 3.2953% | 5,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1468% | 1,508 |
| Loan loss allowance to noncurrent loans | 30.0779% | 6,455 |
| Noncurrent assets plus other real estate owned to assets | 4.3829% | 1,405 |
| Noncurrent loans to loans | 7.1376% | 750 |
| Net loans and leases to total assets | 57.2051% | 6,005 |
| Net loans and leases to deposits | 83.6402% | 3,706 |
| Net loans and leases to core deposits | 128.3297% | 1,554 |
| Total domestic deposits to total assets | 68.3942% | 7,540 |
| Equity capital to assets | 31.1917% | 103 |
| Core capital (leverage) ratio | 30.8555% | 119 |
| Tier 1 risk-based capital ratio | 53.7881% | 144 |
| Total risk-based capital ratio | 55.0482% | 143 |
| Memoranda: | ||
| Average total assets | $46,879,750 | 6,880 |
| Average earning assets | $44,198,500 | 6,808 |
| Average equity | $14,438,750 | 4,201 |
| Average total loans | $27,438,500 | 6,830 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2504% | 7,797 |
| Cost of funding earning assets | 1.0850% | 7,400 |
| Net interest margin | 3.1654% | 6,043 |
| Noninterest income to average assets | 0.5347% | 4,149 |
| Noninterest expense to average assets | 3.7260% | 1,785 |
| Loan and lease loss provision to assets | 2.5123% | 621 |
| Net operating income to assets | -1.5999% | 7,293 |
| Return on assets (ROA) | -1.5999% | 7,294 |
| Pretax return on assets | -2.7075% | 7,475 |
| Return on Equity (ROE) | -5.2162% | 6,637 |
| Retained earnings to average equity (ytd only) | -5.2162% | 6,337 |
| Net charge-offs to loans | 4.2472% | 319 |
| Credit loss provision to net charge-offs | 101.0239% | 4,522 |
| Earnings coverage of net charge-offs (x) | -0.0785% | 5,780 |
| Efficiency ratio | 105.5288% | 981 |
| Assets per employee ($millions) | 3.6406% | 4,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2103% | 1,227 |
| Loan loss allowance to noncurrent loans | 37.4396% | 5,909 |
| Noncurrent assets plus other real estate owned to assets | 3.6004% | 1,719 |
| Noncurrent loans to loans | 5.9035% | 934 |
| Net loans and leases to total assets | 57.9593% | 5,969 |
| Net loans and leases to deposits | 83.7307% | 3,937 |
| Net loans and leases to core deposits | 127.1779% | 1,770 |
| Total domestic deposits to total assets | 69.2212% | 7,533 |
| Equity capital to assets | 30.3098% | 133 |
| Core capital (leverage) ratio | 29.9781% | 144 |
| Tier 1 risk-based capital ratio | 51.7853% | 173 |
| Total risk-based capital ratio | 53.0464% | 170 |
| Memoranda: | ||
| Average total assets | $47,128,330 | 6,938 |
| Average earning assets | $44,608,000 | 6,855 |
| Average equity | $14,455,000 | 4,207 |
| Average total loans | $27,594,670 | 6,874 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2871% | 7,855 |
| Cost of funding earning assets | 1.1993% | 7,297 |
| Net interest margin | 3.0878% | 6,231 |
| Noninterest income to average assets | 0.6124% | 3,456 |
| Noninterest expense to average assets | 4.6270% | 639 |
| Loan and lease loss provision to assets | 5.0352% | 159 |
| Net operating income to assets | -3.6489% | 7,941 |
| Return on assets (ROA) | -3.6489% | 7,934 |
| Pretax return on assets | -6.1154% | 8,057 |
| Return on Equity (ROE) | -11.8263% | 7,463 |
| Retained earnings to average equity (ytd only) | -11.8263% | 7,255 |
| Net charge-offs to loans | 8.6237% | 82 |
| Credit loss provision to net charge-offs | 100.3390% | 3,707 |
| Earnings coverage of net charge-offs (x) | -0.2153% | 5,142 |
| Efficiency ratio | 130.4556% | 500 |
| Assets per employee ($millions) | 3.9248% | 3,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2621% | 996 |
| Loan loss allowance to noncurrent loans | 60.1365% | 4,592 |
| Noncurrent assets plus other real estate owned to assets | 2.2804% | 2,516 |
| Noncurrent loans to loans | 3.7615% | 1,646 |
| Net loans and leases to total assets | 56.6045% | 6,154 |
| Net loans and leases to deposits | 81.7987% | 4,319 |
| Net loans and leases to core deposits | 124.0127% | 2,078 |
| Total domestic deposits to total assets | 69.1997% | 7,493 |
| Equity capital to assets | 30.3480% | 140 |
| Core capital (leverage) ratio | 30.0533% | 153 |
| Tier 1 risk-based capital ratio | 54.7453% | 161 |
| Total risk-based capital ratio | 56.0118% | 161 |
| Memoranda: | ||
| Average total assets | $47,028,500 | 6,989 |
| Average earning assets | $44,692,000 | 6,888 |
| Average equity | $14,510,000 | 4,227 |
| Average total loans | $27,366,500 | 6,919 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1143% | 7,758 |
| Cost of funding earning assets | 1.6883% | 7,286 |
| Net interest margin | 3.4260% | 5,554 |
| Noninterest income to average assets | 0.5580% | 4,175 |
| Noninterest expense to average assets | 2.9311% | 4,332 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.6389% | 4,148 |
| Return on assets (ROA) | 0.6389% | 3,999 |
| Pretax return on assets | 0.9314% | 3,613 |
| Return on Equity (ROE) | 2.1070% | 5,574 |
| Retained earnings to average equity (ytd only) | 2.1070% | 3,921 |
| Net charge-offs to loans | 0.0035% | 6,956 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 449.0000% | 114 |
| Efficiency ratio | 75.8861% | 3,248 |
| Assets per employee ($millions) | 3.6123% | 4,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2399% | 912 |
| Loan loss allowance to noncurrent loans | 64.8734% | 4,770 |
| Noncurrent assets plus other real estate owned to assets | 2.1210% | 2,316 |
| Noncurrent loans to loans | 3.4527% | 1,477 |
| Net loans and leases to total assets | 57.1593% | 6,313 |
| Net loans and leases to deposits | 83.7478% | 4,460 |
| Net loans and leases to core deposits | 122.7624% | 2,420 |
| Total domestic deposits to total assets | 68.2517% | 7,442 |
| Equity capital to assets | 31.3607% | 161 |
| Core capital (leverage) ratio | 31.0298% | 173 |
| Tier 1 risk-based capital ratio | 56.2415% | 171 |
| Total risk-based capital ratio | 57.4925% | 169 |
| Memoranda: | ||
| Average total assets | $48,206,400 | 6,852 |
| Average earning assets | $46,496,800 | 6,744 |
| Average equity | $14,618,000 | 4,216 |
| Average total loans | $28,293,200 | 6,822 |