Home > Rockhold Bank > Performance and Condition Ratios
Rockhold Bank, Performance and Condition Ratios
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1010% | 1,372 |
| Cost of funding earning assets | 0.6511% | 3,625 |
| Net interest margin | 4.4499% | 655 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 4.0610% | 328 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0410% | 4,395 |
| Return on assets (ROA) | 0.0410% | 4,427 |
| Pretax return on assets | 0.0774% | 4,409 |
| Return on Equity (ROE) | 0.5700% | 4,398 |
| Retained earnings to average equity (ytd only) | 0.5708% | 3,974 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 98.1298% | 195 |
| Assets per employee ($millions) | 3.3564% | 4,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2110% | 2,387 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 66.1800% | 2,139 |
| Net loans and leases to deposits | 71.7412% | 2,667 |
| Net loans and leases to core deposits | 73.9930% | 2,885 |
| Total domestic deposits to total assets | 92.2500% | 368 |
| Equity capital to assets | 7.1551% | 3,712 |
| Core capital (leverage) ratio | 7.5535% | 4,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1691% | 2,226 |
| Memoranda: | ||
| Average total assets | $43,930,000 | 4,401 |
| Average earning assets | $37,169,000 | 4,408 |
| Average equity | $3,153,667 | 4,459 |
| Average total loans | $29,136,000 | 4,178 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1753% | 985 |
| Cost of funding earning assets | 0.4119% | 3,934 |
| Net interest margin | 4.7634% | 399 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 4.1108% | 334 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3176% | 4,225 |
| Return on assets (ROA) | 0.3176% | 4,185 |
| Pretax return on assets | 0.3539% | 4,197 |
| Return on Equity (ROE) | 4.4200% | 3,967 |
| Retained earnings to average equity (ytd only) | 4.4171% | 3,150 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 92.0732% | 305 |
| Assets per employee ($millions) | 3.4653% | 4,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2149% | 2,479 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 69.2200% | 1,703 |
| Net loans and leases to deposits | 75.4245% | 2,167 |
| Net loans and leases to core deposits | 76.8810% | 2,471 |
| Total domestic deposits to total assets | 91.7800% | 573 |
| Equity capital to assets | 7.5678% | 3,526 |
| Core capital (leverage) ratio | 6.9576% | 4,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8864% | 2,004 |
| Memoranda: | ||
| Average total assets | $44,078,500 | 4,469 |
| Average earning assets | $37,872,000 | 4,468 |
| Average equity | $3,169,500 | 4,522 |
| Average total loans | $29,088,000 | 4,238 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2343% | 1,187 |
| Cost of funding earning assets | 0.3620% | 2,389 |
| Net interest margin | 3.8723% | 1,021 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 4.0468% | 326 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | -0.4650% | 4,641 |
| Return on assets (ROA) | -0.4650% | 4,634 |
| Pretax return on assets | -0.3938% | 4,617 |
| Return on Equity (ROE) | -6.6900% | 4,642 |
| Retained earnings to average equity (ytd only) | -6.6936% | 4,602 |
| Net charge-offs to loans | -0.4163% | 4,690 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 110.7798% | 88 |
| Assets per employee ($millions) | 3.8811% | 4,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0814% | 2,981 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 61.6700% | 2,477 |
| Net loans and leases to deposits | 70.2566% | 2,564 |
| Net loans and leases to core deposits | 71.5161% | 2,759 |
| Total domestic deposits to total assets | 87.7800% | 2,150 |
| Equity capital to assets | 6.8538% | 3,743 |
| Core capital (leverage) ratio | 6.6993% | 4,680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8758% | 2,021 |
| Memoranda: | ||
| Average total assets | $47,741,400 | 4,458 |
| Average earning assets | $40,880,000 | 4,471 |
| Average equity | $3,316,600 | 4,588 |
| Average total loans | $29,063,400 | 4,256 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0557% | 1,149 |
| Cost of funding earning assets | 0.3870% | 1,383 |
| Net interest margin | 3.6686% | 1,221 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 4.1220% | 305 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | -0.7384% | 4,698 |
| Return on assets (ROA) | -0.7384% | 4,687 |
| Pretax return on assets | -0.6606% | 4,672 |
| Return on Equity (ROE) | -10.5900% | 4,701 |
| Retained earnings to average equity (ytd only) | -10.5939% | 4,680 |
| Net charge-offs to loans | -0.5550% | 4,739 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 119.0858% | 70 |
| Assets per employee ($millions) | 4.0225% | 4,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0677% | 3,157 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 60.2800% | 2,471 |
| Net loans and leases to deposits | 68.2725% | 2,515 |
| Net loans and leases to core deposits | 70.2421% | 2,623 |
| Total domestic deposits to total assets | 88.2900% | 2,334 |
| Equity capital to assets | 6.5175% | 3,732 |
| Core capital (leverage) ratio | 6.6996% | 4,711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3922% | 2,317 |
| Memoranda: | ||
| Average total assets | $48,033,500 | 4,493 |
| Average earning assets | $40,995,000 | 4,502 |
| Average equity | $3,347,750 | 4,628 |
| Average total loans | $29,070,000 | 4,285 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9883% | 952 |
| Cost of funding earning assets | 0.4198% | 806 |
| Net interest margin | 3.5685% | 1,138 |
| Noninterest income to average assets | 0.3295% | 3,194 |
| Noninterest expense to average assets | 4.0830% | 270 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.7048% | 4,699 |
| Return on assets (ROA) | -0.7048% | 4,687 |
| Pretax return on assets | -0.7048% | 4,677 |
| Return on Equity (ROE) | -9.8975% | 4,725 |
| Retained earnings to average equity (ytd only) | -9.8975% | 4,660 |
| Net charge-offs to loans | -0.8357% | 4,714 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.8642% | 76 |
| Assets per employee ($millions) | 3.6398% | 4,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1021% | 3,152 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 59.5503% | 2,371 |
| Net loans and leases to deposits | 68.5496% | 2,342 |
| Net loans and leases to core deposits | 70.5986% | 2,439 |
| Total domestic deposits to total assets | 86.8718% | 2,984 |
| Equity capital to assets | 7.0164% | 3,760 |
| Core capital (leverage) ratio | 6.9924% | 4,673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4361% | 1,888 |
| Memoranda: | ||
| Average total assets | $47,954,667 | 4,536 |
| Average earning assets | $40,970,000 | 4,560 |
| Average equity | $3,415,000 | 4,664 |
| Average total loans | $28,957,000 | 4,340 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2919% | 444 |
| Cost of funding earning assets | 0.4340% | 707 |
| Net interest margin | 3.8579% | 554 |
| Noninterest income to average assets | 0.3149% | 3,209 |
| Noninterest expense to average assets | 4.0685% | 267 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.4392% | 4,696 |
| Return on assets (ROA) | -0.4392% | 4,684 |
| Pretax return on assets | -0.4392% | 4,673 |
| Return on Equity (ROE) | -6.1227% | 4,716 |
| Retained earnings to average equity (ytd only) | -6.1227% | 4,461 |
| Net charge-offs to loans | -1.6581% | 4,751 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.1005% | 116 |
| Assets per employee ($millions) | 3.3940% | 4,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0912% | 3,359 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 59.8998% | 2,080 |
| Net loans and leases to deposits | 68.7455% | 2,076 |
| Net loans and leases to core deposits | 70.2852% | 2,269 |
| Total domestic deposits to total assets | 87.1328% | 2,880 |
| Equity capital to assets | 7.2312% | 4,086 |
| Core capital (leverage) ratio | 7.1217% | 4,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9770% | 1,803 |
| Memoranda: | ||
| Average total assets | $48,273,000 | 4,557 |
| Average earning assets | $41,473,500 | 4,577 |
| Average equity | $3,462,500 | 4,689 |
| Average total loans | $29,189,500 | 4,349 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4025% | 145 |
| Cost of funding earning assets | 0.5559% | 688 |
| Net interest margin | 4.8466% | 171 |
| Noninterest income to average assets | 0.3867% | 3,125 |
| Noninterest expense to average assets | 4.0184% | 282 |
| Loan and lease loss provision to assets | 0.0641% | 1,787 |
| Net operating income to assets | 0.5419% | 3,996 |
| Return on assets (ROA) | 0.5419% | 4,048 |
| Pretax return on assets | 0.5419% | 4,192 |
| Return on Equity (ROE) | 7.7597% | 3,298 |
| Retained earnings to average equity (ytd only) | 7.7597% | 1,633 |
| Net charge-offs to loans | 0.4500% | 184 |
| Credit loss provision to net charge-offs | 20.6667% | 2,274 |
| Earnings coverage of net charge-offs (x) | 1.9533% | 2,598 |
| Efficiency ratio | 86.8962% | 428 |
| Assets per employee ($millions) | 3.2687% | 4,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6520% | 4,492 |
| Loan loss allowance to noncurrent loans | 117.6829% | 3,232 |
| Noncurrent assets plus other real estate owned to assets | 0.3345% | 1,899 |
| Noncurrent loans to loans | 0.5540% | 1,739 |
| Net loans and leases to total assets | 59.9837% | 2,165 |
| Net loans and leases to deposits | 68.6508% | 2,249 |
| Net loans and leases to core deposits | 70.9478% | 2,359 |
| Total domestic deposits to total assets | 87.3751% | 2,353 |
| Equity capital to assets | 7.1161% | 4,696 |
| Core capital (leverage) ratio | 7.1254% | 4,722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7298% | 1,959 |
| Memoranda: | ||
| Average total assets | $48,352,000 | 4,580 |
| Average earning assets | $42,277,000 | 4,590 |
| Average equity | $3,376,400 | 4,749 |
| Average total loans | $33,334,200 | 4,309 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9724% | 92 |
| Cost of funding earning assets | 0.5805% | 700 |
| Net interest margin | 5.3919% | 96 |
| Noninterest income to average assets | 0.3321% | 3,446 |
| Noninterest expense to average assets | 4.1148% | 267 |
| Loan and lease loss provision to assets | 0.0830% | 1,428 |
| Net operating income to assets | 0.8634% | 3,342 |
| Return on assets (ROA) | 0.8634% | 3,409 |
| Pretax return on assets | 0.8634% | 3,766 |
| Return on Equity (ROE) | 12.4241% | 1,895 |
| Retained earnings to average equity (ytd only) | 12.4241% | 744 |
| Net charge-offs to loans | 0.5836% | 133 |
| Credit loss provision to net charge-offs | 20.0000% | 1,988 |
| Earnings coverage of net charge-offs (x) | 2.2800% | 2,356 |
| Efficiency ratio | 81.3013% | 683 |
| Assets per employee ($millions) | 3.3129% | 4,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6068% | 4,629 |
| Loan loss allowance to noncurrent loans | 117.0732% | 3,223 |
| Noncurrent assets plus other real estate owned to assets | 0.3783% | 1,931 |
| Noncurrent loans to loans | 0.5183% | 2,004 |
| Net loans and leases to total assets | 63.2833% | 1,862 |
| Net loans and leases to deposits | 74.7765% | 1,783 |
| Net loans and leases to core deposits | 77.3191% | 1,932 |
| Total domestic deposits to total assets | 84.6299% | 3,255 |
| Equity capital to assets | 7.1216% | 4,784 |
| Core capital (leverage) ratio | 7.4235% | 4,725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3351% | 2,246 |
| Memoranda: | ||
| Average total assets | $48,182,500 | 4,650 |
| Average earning assets | $42,260,000 | 4,655 |
| Average equity | $3,348,250 | 4,822 |
| Average total loans | $34,267,000 | 4,356 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7989% | 117 |
| Cost of funding earning assets | 0.6274% | 647 |
| Net interest margin | 5.1715% | 140 |
| Noninterest income to average assets | 0.3440% | 3,387 |
| Noninterest expense to average assets | 4.2703% | 241 |
| Loan and lease loss provision to assets | 0.1216% | 1,041 |
| Net operating income to assets | 0.5160% | 4,187 |
| Return on assets (ROA) | 0.5160% | 4,227 |
| Pretax return on assets | 0.5160% | 4,364 |
| Return on Equity (ROE) | 7.4893% | 3,531 |
| Retained earnings to average equity (ytd only) | 7.4893% | 2,255 |
| Net charge-offs to loans | 0.6089% | 126 |
| Credit loss provision to net charge-offs | 27.1028% | 1,712 |
| Earnings coverage of net charge-offs (x) | 1.4206% | 2,171 |
| Efficiency ratio | 87.0085% | 436 |
| Assets per employee ($millions) | 2.9536% | 4,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6781% | 4,568 |
| Loan loss allowance to noncurrent loans | 68.0233% | 3,730 |
| Noncurrent assets plus other real estate owned to assets | 0.7787% | 1,048 |
| Noncurrent loans to loans | 0.9969% | 1,238 |
| Net loans and leases to total assets | 72.5226% | 905 |
| Net loans and leases to deposits | 85.8302% | 921 |
| Net loans and leases to core deposits | 89.4994% | 1,174 |
| Total domestic deposits to total assets | 84.4954% | 3,284 |
| Equity capital to assets | 7.0889% | 4,828 |
| Core capital (leverage) ratio | 7.1112% | 4,832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8802% | 2,410 |
| Memoranda: | ||
| Average total assets | $47,678,667 | 4,679 |
| Average earning assets | $42,077,000 | 4,683 |
| Average equity | $3,284,667 | 4,858 |
| Average total loans | $35,142,667 | 4,373 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5698% | 184 |
| Cost of funding earning assets | 0.6355% | 745 |
| Net interest margin | 4.9343% | 199 |
| Noninterest income to average assets | 0.3172% | 3,504 |
| Noninterest expense to average assets | 4.2321% | 242 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4591% | 4,250 |
| Return on assets (ROA) | 0.4591% | 4,290 |
| Pretax return on assets | 0.4925% | 4,365 |
| Return on Equity (ROE) | 6.7043% | 3,677 |
| Retained earnings to average equity (ytd only) | 6.7043% | 2,663 |
| Net charge-offs to loans | 1.1506% | 62 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 0.5784% | 1,883 |
| Efficiency ratio | 89.5760% | 383 |
| Assets per employee ($millions) | 3.0849% | 4,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5824% | 4,701 |
| Loan loss allowance to noncurrent loans | 53.8462% | 3,941 |
| Noncurrent assets plus other real estate owned to assets | 0.7901% | 1,138 |
| Noncurrent loans to loans | 1.0817% | 1,234 |
| Net loans and leases to total assets | 72.6225% | 938 |
| Net loans and leases to deposits | 85.0496% | 1,041 |
| Net loans and leases to core deposits | 89.5700% | 1,257 |
| Total domestic deposits to total assets | 85.3884% | 2,966 |
| Equity capital to assets | 6.7041% | 4,890 |
| Core capital (leverage) ratio | 6.9819% | 4,898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8464% | 3,064 |
| Memoranda: | ||
| Average total assets | $47,919,000 | 4,696 |
| Average earning assets | $42,802,500 | 4,692 |
| Average equity | $3,281,500 | 4,883 |
| Average total loans | $35,461,000 | 4,388 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7916% | 749 |
| Cost of funding earning assets | 0.8105% | 1,165 |
| Net interest margin | 3.9811% | 1,012 |
| Noninterest income to average assets | 0.3340% | 3,462 |
| Noninterest expense to average assets | 4.2957% | 289 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | -0.4186% | 4,863 |
| Return on assets (ROA) | -0.4186% | 4,877 |
| Pretax return on assets | -0.3774% | 4,857 |
| Return on Equity (ROE) | -5.4886% | 4,900 |
| Retained earnings to average equity (ytd only) | -5.4886% | 4,843 |
| Net charge-offs to loans | 0.0391% | 2,271 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | -11.7857% | 3,408 |
| Efficiency ratio | 109.6322% | 121 |
| Assets per employee ($millions) | 3.8733% | 4,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8948% | 4,195 |
| Loan loss allowance to noncurrent loans | 72.8972% | 3,696 |
| Noncurrent assets plus other real estate owned to assets | 0.9208% | 1,065 |
| Noncurrent loans to loans | 1.2275% | 1,137 |
| Net loans and leases to total assets | 74.3438% | 977 |
| Net loans and leases to deposits | 88.7004% | 1,022 |
| Net loans and leases to core deposits | 95.0985% | 1,176 |
| Total domestic deposits to total assets | 83.8145% | 3,162 |
| Equity capital to assets | 7.0202% | 4,911 |
| Core capital (leverage) ratio | 7.2913% | 4,885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7932% | 2,969 |
| Memoranda: | ||
| Average total assets | $43,717,800 | 4,724 |
| Average earning assets | $39,360,600 | 4,725 |
| Average equity | $3,334,200 | 4,893 |
| Average total loans | $35,825,400 | 4,392 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8625% | 789 |
| Cost of funding earning assets | 0.8470% | 1,271 |
| Net interest margin | 4.0155% | 1,081 |
| Noninterest income to average assets | 0.3378% | 3,454 |
| Noninterest expense to average assets | 4.4715% | 256 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | -0.5392% | 4,900 |
| Return on assets (ROA) | -0.5392% | 4,905 |
| Pretax return on assets | -0.5051% | 4,900 |
| Return on Equity (ROE) | -6.9211% | 4,938 |
| Retained earnings to average equity (ytd only) | -6.9211% | 4,886 |
| Net charge-offs to loans | 0.0074% | 2,858 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | -81.5000% | 3,231 |
| Efficiency ratio | 112.7344% | 102 |
| Assets per employee ($millions) | 3.5303% | 4,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8637% | 4,182 |
| Loan loss allowance to noncurrent loans | 72.6457% | 3,694 |
| Noncurrent assets plus other real estate owned to assets | 0.9718% | 1,149 |
| Noncurrent loans to loans | 1.1889% | 1,281 |
| Net loans and leases to total assets | 81.0346% | 515 |
| Net loans and leases to deposits | 96.9525% | 691 |
| Net loans and leases to core deposits | 104.0454% | 921 |
| Total domestic deposits to total assets | 83.5817% | 2,959 |
| Equity capital to assets | 7.1295% | 4,933 |
| Core capital (leverage) ratio | 7.4044% | 4,893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3725% | 3,053 |
| Memoranda: | ||
| Average total assets | $43,027,250 | 4,753 |
| Average earning assets | $38,881,500 | 4,755 |
| Average equity | $3,352,000 | 4,918 |
| Average total loans | $36,065,000 | 4,414 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0570% | 750 |
| Cost of funding earning assets | 0.9008% | 1,373 |
| Net interest margin | 4.1562% | 1,008 |
| Noninterest income to average assets | 0.3280% | 3,506 |
| Noninterest expense to average assets | 4.5874% | 243 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -0.5467% | 4,920 |
| Return on assets (ROA) | -0.5467% | 4,918 |
| Pretax return on assets | -0.5087% | 4,900 |
| Return on Equity (ROE) | -6.8074% | 4,950 |
| Retained earnings to average equity (ytd only) | -6.8074% | 4,845 |
| Net charge-offs to loans | 0.0562% | 1,693 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | -10.7000% | 2,984 |
| Efficiency ratio | 112.4709% | 108 |
| Assets per employee ($millions) | 3.0407% | 4,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8244% | 4,276 |
| Loan loss allowance to noncurrent loans | 46.6765% | 4,106 |
| Noncurrent assets plus other real estate owned to assets | 1.4843% | 630 |
| Noncurrent loans to loans | 1.7661% | 799 |
| Net loans and leases to total assets | 83.3501% | 307 |
| Net loans and leases to deposits | 100.7901% | 502 |
| Net loans and leases to core deposits | 105.5267% | 908 |
| Total domestic deposits to total assets | 82.6968% | 3,181 |
| Equity capital to assets | 7.3054% | 4,923 |
| Core capital (leverage) ratio | 7.5089% | 4,912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3624% | 3,110 |
| Memoranda: | ||
| Average total assets | $42,071,667 | 4,790 |
| Average earning assets | $37,967,333 | 4,786 |
| Average equity | $3,378,667 | 4,948 |
| Average total loans | $35,582,000 | 4,439 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9249% | 1,129 |
| Cost of funding earning assets | 0.9674% | 1,575 |
| Net interest margin | 3.9575% | 1,506 |
| Noninterest income to average assets | 0.3176% | 3,615 |
| Noninterest expense to average assets | 4.7342% | 258 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.8833% | 4,974 |
| Return on assets (ROA) | -0.8833% | 4,953 |
| Pretax return on assets | -0.8436% | 4,937 |
| Return on Equity (ROE) | -10.4644% | 5,002 |
| Retained earnings to average equity (ytd only) | -10.4644% | 4,779 |
| Net charge-offs to loans | -0.0234% | 4,387 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.6837% | 104 |
| Assets per employee ($millions) | 2.7013% | 4,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9620% | 3,882 |
| Loan loss allowance to noncurrent loans | 46.9242% | 4,138 |
| Noncurrent assets plus other real estate owned to assets | 1.7251% | 557 |
| Noncurrent loans to loans | 2.0502% | 681 |
| Net loans and leases to total assets | 83.3362% | 316 |
| Net loans and leases to deposits | 98.7426% | 641 |
| Net loans and leases to core deposits | 107.1832% | 988 |
| Total domestic deposits to total assets | 84.3974% | 2,633 |
| Equity capital to assets | 8.2875% | 4,902 |
| Core capital (leverage) ratio | 8.4315% | 4,828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3817% | 2,537 |
| Memoranda: | ||
| Average total assets | $40,302,500 | 4,850 |
| Average earning assets | $36,386,500 | 4,846 |
| Average equity | $3,402,000 | 4,992 |
| Average total loans | $34,207,000 | 4,493 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9318% | 1,656 |
| Cost of funding earning assets | 0.8751% | 2,307 |
| Net interest margin | 4.0567% | 1,660 |
| Noninterest income to average assets | 0.4254% | 3,136 |
| Noninterest expense to average assets | 4.6082% | 277 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | -0.5570% | 5,056 |
| Return on assets (ROA) | -0.5570% | 5,061 |
| Pretax return on assets | -0.5089% | 5,054 |
| Return on Equity (ROE) | -5.9679% | 5,085 |
| Retained earnings to average equity (ytd only) | -5.9679% | 5,004 |
| Net charge-offs to loans | 0.0597% | 2,251 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | -10.0500% | 3,693 |
| Efficiency ratio | 112.4151% | 95 |
| Assets per employee ($millions) | 2.6724% | 4,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9499% | 3,743 |
| Loan loss allowance to noncurrent loans | 44.7802% | 4,185 |
| Noncurrent assets plus other real estate owned to assets | 1.8161% | 478 |
| Noncurrent loans to loans | 2.1213% | 594 |
| Net loans and leases to total assets | 84.8002% | 254 |
| Net loans and leases to deposits | 94.5405% | 1,103 |
| Net loans and leases to core deposits | 109.0988% | 905 |
| Total domestic deposits to total assets | 89.6972% | 424 |
| Equity capital to assets | 8.5965% | 4,872 |
| Core capital (leverage) ratio | 8.4390% | 4,875 |
| Tier 1 risk-based capital ratio | 12.3899% | 4,134 |
| Total risk-based capital ratio | 13.5620% | 4,046 |
| Memoranda: | ||
| Average total assets | $39,495,000 | 4,899 |
| Average earning assets | $35,768,200 | 4,899 |
| Average equity | $3,686,400 | 5,022 |
| Average total loans | $33,525,000 | 4,565 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8684% | 1,921 |
| Cost of funding earning assets | 0.8351% | 2,538 |
| Net interest margin | 4.0333% | 1,825 |
| Noninterest income to average assets | 0.4710% | 2,899 |
| Noninterest expense to average assets | 4.5000% | 298 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | -0.4303% | 5,131 |
| Return on assets (ROA) | -0.4303% | 5,138 |
| Pretax return on assets | -0.3795% | 5,128 |
| Return on Equity (ROE) | -4.5197% | 5,149 |
| Retained earnings to average equity (ytd only) | -4.5197% | 5,042 |
| Net charge-offs to loans | 0.1480% | 1,103 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | -3.0272% | 3,409 |
| Efficiency ratio | 109.2105% | 106 |
| Assets per employee ($millions) | 2.5521% | 5,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9040% | 4,025 |
| Loan loss allowance to noncurrent loans | 35.5991% | 4,418 |
| Noncurrent assets plus other real estate owned to assets | 2.1257% | 389 |
| Noncurrent loans to loans | 2.5393% | 452 |
| Net loans and leases to total assets | 82.9554% | 453 |
| Net loans and leases to deposits | 92.5721% | 1,364 |
| Net loans and leases to core deposits | 105.8430% | 1,194 |
| Total domestic deposits to total assets | 89.6116% | 413 |
| Equity capital to assets | 8.9582% | 4,805 |
| Core capital (leverage) ratio | 8.9152% | 4,697 |
| Tier 1 risk-based capital ratio | 12.8540% | 3,930 |
| Total risk-based capital ratio | 13.9398% | 3,904 |
| Memoranda: | ||
| Average total assets | $39,347,250 | 4,974 |
| Average earning assets | $35,602,750 | 4,974 |
| Average equity | $3,746,500 | 5,089 |
| Average total loans | $33,326,500 | 4,628 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8232% | 1,989 |
| Cost of funding earning assets | 0.7820% | 2,732 |
| Net interest margin | 4.0412% | 1,793 |
| Noninterest income to average assets | 0.5406% | 2,433 |
| Noninterest expense to average assets | 4.3972% | 336 |
| Loan and lease loss provision to assets | 0.1442% | 1,285 |
| Net operating income to assets | -0.4068% | 5,179 |
| Return on assets (ROA) | -0.4068% | 5,185 |
| Pretax return on assets | -0.3553% | 5,175 |
| Return on Equity (ROE) | -4.1943% | 5,197 |
| Retained earnings to average equity (ytd only) | -4.1943% | 5,027 |
| Net charge-offs to loans | 0.2300% | 734 |
| Credit loss provision to net charge-offs | 73.6842% | 2,289 |
| Earnings coverage of net charge-offs (x) | -1.0789% | 3,119 |
| Efficiency ratio | 105.0431% | 121 |
| Assets per employee ($millions) | 2.8774% | 4,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9740% | 3,763 |
| Loan loss allowance to noncurrent loans | 48.2759% | 4,234 |
| Noncurrent assets plus other real estate owned to assets | 1.7327% | 600 |
| Noncurrent loans to loans | 2.0176% | 703 |
| Net loans and leases to total assets | 84.8025% | 304 |
| Net loans and leases to deposits | 96.0550% | 1,027 |
| Net loans and leases to core deposits | 112.0547% | 864 |
| Total domestic deposits to total assets | 88.2854% | 972 |
| Equity capital to assets | 9.1999% | 4,652 |
| Core capital (leverage) ratio | 9.5535% | 4,101 |
| Tier 1 risk-based capital ratio | 12.9685% | 3,855 |
| Total risk-based capital ratio | 14.1442% | 3,797 |
| Memoranda: | ||
| Average total assets | $38,842,670 | 5,027 |
| Average earning assets | $35,038,670 | 5,026 |
| Average equity | $3,767,000 | 5,126 |
| Average total loans | $33,041,000 | 4,677 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7052% | 2,208 |
| Cost of funding earning assets | 0.7589% | 2,749 |
| Net interest margin | 3.9463% | 2,035 |
| Noninterest income to average assets | 0.6715% | 1,719 |
| Noninterest expense to average assets | 3.9137% | 593 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.2623% | 4,945 |
| Return on assets (ROA) | 0.2623% | 4,952 |
| Pretax return on assets | 0.3043% | 4,956 |
| Return on Equity (ROE) | 2.6333% | 4,863 |
| Retained earnings to average equity (ytd only) | 2.6333% | 3,880 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7861% | 309 |
| Assets per employee ($millions) | 3.1568% | 4,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0755% | 3,260 |
| Loan loss allowance to noncurrent loans | 50.8824% | 4,245 |
| Noncurrent assets plus other real estate owned to assets | 2.1831% | 404 |
| Noncurrent loans to loans | 2.1136% | 687 |
| Net loans and leases to total assets | 84.0135% | 372 |
| Net loans and leases to deposits | 95.7893% | 995 |
| Net loans and leases to core deposits | 107.3390% | 1,082 |
| Total domestic deposits to total assets | 87.7066% | 1,473 |
| Equity capital to assets | 10.0575% | 3,770 |
| Core capital (leverage) ratio | 10.0735% | 3,521 |
| Tier 1 risk-based capital ratio | 14.2361% | 3,226 |
| Total risk-based capital ratio | 15.4841% | 3,155 |
| Memoranda: | ||
| Average total assets | $38,122,500 | 5,088 |
| Average earning assets | $34,260,000 | 5,095 |
| Average equity | $3,797,500 | 5,168 |
| Average total loans | $32,313,000 | 4,743 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7662% | 1,622 |
| Cost of funding earning assets | 0.6141% | 2,627 |
| Net interest margin | 4.1522% | 1,525 |
| Noninterest income to average assets | 0.2791% | 4,235 |
| Noninterest expense to average assets | 3.9652% | 561 |
| Loan and lease loss provision to assets | 0.2374% | 750 |
| Net operating income to assets | -0.2426% | 5,277 |
| Return on assets (ROA) | -0.2426% | 5,275 |
| Pretax return on assets | -0.2191% | 5,265 |
| Return on Equity (ROE) | -2.7049% | 5,287 |
| Retained earnings to average equity (ytd only) | -2.7049% | 5,168 |
| Net charge-offs to loans | 0.0375% | 2,651 |
| Credit loss provision to net charge-offs | 758.3333% | 473 |
| Earnings coverage of net charge-offs (x) | 0.5833% | 3,686 |
| Efficiency ratio | 99.5416% | 148 |
| Assets per employee ($millions) | 3.1969% | 4,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0661% | 3,288 |
| Loan loss allowance to noncurrent loans | 54.4025% | 4,236 |
| Noncurrent assets plus other real estate owned to assets | 2.3617% | 342 |
| Noncurrent loans to loans | 1.9597% | 693 |
| Net loans and leases to total assets | 83.6952% | 443 |
| Net loans and leases to deposits | 95.2901% | 1,142 |
| Net loans and leases to core deposits | 105.7088% | 1,290 |
| Total domestic deposits to total assets | 87.8320% | 1,380 |
| Equity capital to assets | 9.8663% | 3,797 |
| Core capital (leverage) ratio | 9.8650% | 3,728 |
| Tier 1 risk-based capital ratio | 14.1744% | 3,210 |
| Total risk-based capital ratio | 15.4215% | 3,142 |
| Memoranda: | ||
| Average total assets | $38,333,200 | 5,124 |
| Average earning assets | $34,199,000 | 5,126 |
| Average equity | $3,438,200 | 5,242 |
| Average total loans | $32,041,000 | 4,769 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7372% | 1,580 |
| Cost of funding earning assets | 0.5814% | 2,622 |
| Net interest margin | 4.1558% | 1,481 |
| Noninterest income to average assets | 0.2400% | 4,536 |
| Noninterest expense to average assets | 4.0285% | 510 |
| Loan and lease loss provision to assets | 0.2122% | 792 |
| Net operating income to assets | -0.3096% | 5,368 |
| Return on assets (ROA) | -0.3096% | 5,366 |
| Pretax return on assets | -0.2957% | 5,355 |
| Return on Equity (ROE) | -3.5405% | 5,378 |
| Retained earnings to average equity (ytd only) | -3.5405% | 5,273 |
| Net charge-offs to loans | -0.0292% | 4,740 |
| Credit loss provision to net charge-offs | -871.4286% | 4,605 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.1164% | 126 |
| Assets per employee ($millions) | 3.1629% | 4,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0338% | 3,565 |
| Loan loss allowance to noncurrent loans | 45.6403% | 4,480 |
| Noncurrent assets plus other real estate owned to assets | 2.2975% | 410 |
| Noncurrent loans to loans | 2.2651% | 611 |
| Net loans and leases to total assets | 84.4948% | 401 |
| Net loans and leases to deposits | 96.6138% | 1,082 |
| Net loans and leases to core deposits | 110.3237% | 1,013 |
| Total domestic deposits to total assets | 87.4562% | 1,510 |
| Equity capital to assets | 9.9802% | 3,669 |
| Core capital (leverage) ratio | 9.8165% | 3,833 |
| Tier 1 risk-based capital ratio | 14.3241% | 3,201 |
| Total risk-based capital ratio | 15.5719% | 3,124 |
| Memoranda: | ||
| Average total assets | $38,325,750 | 5,191 |
| Average earning assets | $34,168,500 | 5,193 |
| Average equity | $3,351,500 | 5,321 |
| Average total loans | $31,937,750 | 4,827 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6789% | 1,554 |
| Cost of funding earning assets | 0.5088% | 2,947 |
| Net interest margin | 4.1701% | 1,353 |
| Noninterest income to average assets | 0.4734% | 3,017 |
| Noninterest expense to average assets | 4.0729% | 486 |
| Loan and lease loss provision to assets | 0.1873% | 946 |
| Net operating income to assets | -0.0884% | 5,374 |
| Return on assets (ROA) | -0.0884% | 5,367 |
| Pretax return on assets | -0.0780% | 5,364 |
| Return on Equity (ROE) | -1.0605% | 5,380 |
| Retained earnings to average equity (ytd only) | -1.0605% | 5,076 |
| Net charge-offs to loans | -0.0441% | 4,875 |
| Credit loss provision to net charge-offs | -514.2857% | 4,372 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.3881% | 199 |
| Assets per employee ($millions) | 3.2167% | 4,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9662% | 4,030 |
| Loan loss allowance to noncurrent loans | 29.2729% | 4,769 |
| Noncurrent assets plus other real estate owned to assets | 2.8161% | 278 |
| Noncurrent loans to loans | 3.3005% | 317 |
| Net loans and leases to total assets | 82.3212% | 675 |
| Net loans and leases to deposits | 91.0435% | 1,704 |
| Net loans and leases to core deposits | 95.3518% | 2,120 |
| Total domestic deposits to total assets | 90.4197% | 426 |
| Equity capital to assets | 8.2850% | 5,087 |
| Core capital (leverage) ratio | 8.3680% | 5,184 |
| Tier 1 risk-based capital ratio | 12.1063% | 4,438 |
| Total risk-based capital ratio | 13.2798% | 4,351 |
| Memoranda: | ||
| Average total assets | $38,449,330 | 5,247 |
| Average earning assets | $34,196,000 | 5,255 |
| Average equity | $3,206,000 | 5,397 |
| Average total loans | $31,782,000 | 4,881 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7548% | 1,178 |
| Cost of funding earning assets | 0.4472% | 3,216 |
| Net interest margin | 4.3076% | 939 |
| Noninterest income to average assets | 0.5629% | 2,460 |
| Noninterest expense to average assets | 4.1278% | 450 |
| Loan and lease loss provision to assets | 0.3440% | 356 |
| Net operating income to assets | -0.1042% | 5,422 |
| Return on assets (ROA) | -0.1042% | 5,414 |
| Pretax return on assets | -0.0938% | 5,416 |
| Return on Equity (ROE) | -1.2461% | 5,428 |
| Retained earnings to average equity (ytd only) | -1.2461% | 4,935 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2857% | 293 |
| Assets per employee ($millions) | 2.9375% | 5,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9424% | 4,256 |
| Loan loss allowance to noncurrent loans | 27.5735% | 4,838 |
| Noncurrent assets plus other real estate owned to assets | 2.9225% | 280 |
| Noncurrent loans to loans | 3.4179% | 311 |
| Net loans and leases to total assets | 82.5726% | 593 |
| Net loans and leases to deposits | 92.3500% | 1,414 |
| Net loans and leases to core deposits | 101.6145% | 1,567 |
| Total domestic deposits to total assets | 89.4126% | 921 |
| Equity capital to assets | 8.3929% | 5,052 |
| Core capital (leverage) ratio | 8.4050% | 5,201 |
| Tier 1 risk-based capital ratio | 12.2665% | 4,397 |
| Total risk-based capital ratio | 13.4147% | 4,350 |
| Memoranda: | ||
| Average total assets | $38,374,000 | 5,301 |
| Average earning assets | $33,986,500 | 5,314 |
| Average equity | $3,210,000 | 5,453 |
| Average total loans | $31,630,000 | 4,933 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7036% | 1,186 |
| Cost of funding earning assets | 0.4170% | 3,078 |
| Net interest margin | 4.2866% | 990 |
| Noninterest income to average assets | 0.7141% | 1,901 |
| Noninterest expense to average assets | 4.3084% | 374 |
| Loan and lease loss provision to assets | 1.1830% | 80 |
| Net operating income to assets | -0.9645% | 5,584 |
| Return on assets (ROA) | -0.9645% | 5,585 |
| Pretax return on assets | -0.9432% | 5,591 |
| Return on Equity (ROE) | -10.3458% | 5,593 |
| Retained earnings to average equity (ytd only) | -10.8602% | 5,544 |
| Net charge-offs to loans | 1.7054% | 89 |
| Credit loss provision to net charge-offs | 87.4016% | 2,828 |
| Earnings coverage of net charge-offs (x) | 0.1772% | 4,008 |
| Efficiency ratio | 94.7276% | 273 |
| Assets per employee ($millions) | 3.2133% | 5,018 |
| Cash dividends to net income (ytd only)* | -4.9724% | 5,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8496% | 4,668 |
| Loan loss allowance to noncurrent loans | 26.4881% | 4,901 |
| Noncurrent assets plus other real estate owned to assets | 2.6141% | 342 |
| Noncurrent loans to loans | 3.2075% | 332 |
| Net loans and leases to total assets | 80.8065% | 858 |
| Net loans and leases to deposits | 89.6378% | 1,815 |
| Net loans and leases to core deposits | 98.4424% | 1,832 |
| Total domestic deposits to total assets | 90.1478% | 520 |
| Equity capital to assets | 8.3584% | 5,223 |
| Core capital (leverage) ratio | 8.3721% | 5,240 |
| Tier 1 risk-based capital ratio | 12.4349% | 4,242 |
| Total risk-based capital ratio | 13.4650% | 4,280 |
| Memoranda: | ||
| Average total assets | $37,531,600 | 5,369 |
| Average earning assets | $33,570,000 | 5,372 |
| Average equity | $3,499,000 | 5,481 |
| Average total loans | $29,788,600 | 5,035 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7005% | 1,133 |
| Cost of funding earning assets | 0.4139% | 3,049 |
| Net interest margin | 4.2865% | 952 |
| Noninterest income to average assets | 0.7511% | 1,779 |
| Noninterest expense to average assets | 4.1597% | 422 |
| Loan and lease loss provision to assets | 1.1910% | 83 |
| Net operating income to assets | -0.7583% | 5,653 |
| Return on assets (ROA) | -0.7583% | 5,654 |
| Pretax return on assets | -0.7475% | 5,647 |
| Return on Equity (ROE) | -7.9143% | 5,656 |
| Retained earnings to average equity (ytd only) | -7.9143% | 5,592 |
| Net charge-offs to loans | 1.4931% | 104 |
| Credit loss provision to net charge-offs | 101.2158% | 2,252 |
| Earnings coverage of net charge-offs (x) | 0.3769% | 3,671 |
| Efficiency ratio | 90.3652% | 399 |
| Assets per employee ($millions) | 3.2238% | 5,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1063% | 3,450 |
| Loan loss allowance to noncurrent loans | 21.8040% | 5,046 |
| Noncurrent assets plus other real estate owned to assets | 3.9834% | 169 |
| Noncurrent loans to loans | 5.0739% | 158 |
| Net loans and leases to total assets | 77.6379% | 1,326 |
| Net loans and leases to deposits | 86.4491% | 2,247 |
| Net loans and leases to core deposits | 95.8482% | 2,093 |
| Total domestic deposits to total assets | 89.8077% | 543 |
| Equity capital to assets | 8.7654% | 5,106 |
| Core capital (leverage) ratio | 8.7266% | 5,031 |
| Tier 1 risk-based capital ratio | 13.1592% | 3,901 |
| Total risk-based capital ratio | 14.4088% | 3,810 |
| Memoranda: | ||
| Average total assets | $37,277,500 | 5,434 |
| Average earning assets | $33,499,500 | 5,434 |
| Average equity | $3,571,500 | 5,535 |
| Average total loans | $29,379,250 | 5,095 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6533% | 1,152 |
| Cost of funding earning assets | 0.4099% | 2,980 |
| Net interest margin | 4.2434% | 985 |
| Noninterest income to average assets | 0.7607% | 1,724 |
| Noninterest expense to average assets | 4.2762% | 388 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.2934% | 5,240 |
| Return on assets (ROA) | 0.2934% | 5,255 |
| Pretax return on assets | 0.3097% | 5,322 |
| Return on Equity (ROE) | 2.9738% | 5,128 |
| Retained earnings to average equity (ytd only) | 2.9738% | 3,947 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2464% | 324 |
| Assets per employee ($millions) | 3.2575% | 5,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1097% | 3,530 |
| Loan loss allowance to noncurrent loans | 27.7219% | 5,006 |
| Noncurrent assets plus other real estate owned to assets | 3.0750% | 291 |
| Noncurrent loans to loans | 4.0031% | 242 |
| Net loans and leases to total assets | 75.4566% | 1,620 |
| Net loans and leases to deposits | 84.5230% | 2,402 |
| Net loans and leases to core deposits | 93.6589% | 2,190 |
| Total domestic deposits to total assets | 89.2735% | 817 |
| Equity capital to assets | 9.3553% | 4,559 |
| Core capital (leverage) ratio | 9.7302% | 3,863 |
| Tier 1 risk-based capital ratio | 14.6650% | 3,079 |
| Total risk-based capital ratio | 15.9121% | 3,001 |
| Memoranda: | ||
| Average total assets | $36,808,000 | 5,486 |
| Average earning assets | $33,180,670 | 5,489 |
| Average equity | $3,631,670 | 5,571 |
| Average total loans | $29,048,670 | 5,143 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7191% | 905 |
| Cost of funding earning assets | 0.3880% | 3,116 |
| Net interest margin | 4.3311% | 724 |
| Noninterest income to average assets | 0.7738% | 1,647 |
| Noninterest expense to average assets | 4.2953% | 386 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3589% | 5,050 |
| Return on assets (ROA) | 0.3589% | 5,072 |
| Pretax return on assets | 0.3589% | 5,224 |
| Return on Equity (ROE) | 3.5369% | 4,946 |
| Retained earnings to average equity (ytd only) | 3.5369% | 3,674 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2892% | 437 |
| Assets per employee ($millions) | 3.0386% | 5,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1330% | 3,498 |
| Loan loss allowance to noncurrent loans | 43.8992% | 4,776 |
| Noncurrent assets plus other real estate owned to assets | 2.0953% | 618 |
| Noncurrent loans to loans | 2.5810% | 592 |
| Net loans and leases to total assets | 79.2118% | 948 |
| Net loans and leases to deposits | 89.3547% | 1,624 |
| Net loans and leases to core deposits | 99.8617% | 1,512 |
| Total domestic deposits to total assets | 88.6488% | 1,347 |
| Equity capital to assets | 9.9690% | 3,790 |
| Core capital (leverage) ratio | 10.2498% | 3,193 |
| Tier 1 risk-based capital ratio | 14.7788% | 3,078 |
| Total risk-based capital ratio | 16.0270% | 3,000 |
| Memoranda: | ||
| Average total assets | $35,667,000 | 5,573 |
| Average earning assets | $31,955,000 | 5,577 |
| Average equity | $3,619,000 | 5,632 |
| Average total loans | $28,659,500 | 5,202 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1384% | 465 |
| Cost of funding earning assets | 0.3807% | 3,196 |
| Net interest margin | 4.7576% | 380 |
| Noninterest income to average assets | 1.2547% | 723 |
| Noninterest expense to average assets | 4.4410% | 402 |
| Loan and lease loss provision to assets | 0.3544% | 477 |
| Net operating income to assets | 0.7058% | 3,755 |
| Return on assets (ROA) | 0.7058% | 3,868 |
| Pretax return on assets | 0.7058% | 4,466 |
| Return on Equity (ROE) | 7.2257% | 3,355 |
| Retained earnings to average equity (ytd only) | 6.0065% | 1,699 |
| Net charge-offs to loans | 0.2691% | 1,028 |
| Credit loss provision to net charge-offs | 162.6667% | 1,698 |
| Earnings coverage of net charge-offs (x) | 4.8667% | 3,433 |
| Efficiency ratio | 79.7254% | 1,449 |
| Assets per employee ($millions) | 2.9058% | 5,420 |
| Cash dividends to net income (ytd only)* | 16.8724% | 3,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1777% | 3,257 |
| Loan loss allowance to noncurrent loans | 65.8052% | 4,322 |
| Noncurrent assets plus other real estate owned to assets | 1.4655% | 1,153 |
| Noncurrent loans to loans | 1.7897% | 1,062 |
| Net loans and leases to total assets | 79.6524% | 944 |
| Net loans and leases to deposits | 90.3513% | 1,642 |
| Net loans and leases to core deposits | 97.8509% | 1,777 |
| Total domestic deposits to total assets | 88.1585% | 1,558 |
| Equity capital to assets | 10.3272% | 3,353 |
| Core capital (leverage) ratio | 10.2956% | 3,113 |
| Tier 1 risk-based capital ratio | 15.2714% | 2,851 |
| Total risk-based capital ratio | 16.5225% | 2,783 |
| Memoranda: | ||
| Average total assets | $34,429,200 | 5,643 |
| Average earning assets | $30,729,600 | 5,649 |
| Average equity | $3,363,000 | 5,716 |
| Average total loans | $27,867,000 | 5,274 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9723% | 126 |
| Cost of funding earning assets | 0.3880% | 3,145 |
| Net interest margin | 5.5844% | 98 |
| Noninterest income to average assets | 0.7032% | 2,151 |
| Noninterest expense to average assets | 4.4134% | 412 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2665% | 1,394 |
| Return on assets (ROA) | 1.2665% | 1,491 |
| Pretax return on assets | 1.2665% | 2,545 |
| Return on Equity (ROE) | 13.1576% | 1,007 |
| Retained earnings to average equity (ytd only) | 11.5026% | 357 |
| Net charge-offs to loans | -0.0575% | 5,410 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7018% | 1,731 |
| Assets per employee ($millions) | 2.8225% | 5,540 |
| Cash dividends to net income (ytd only)* | 12.5776% | 3,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0861% | 3,910 |
| Loan loss allowance to noncurrent loans | 82.9132% | 3,994 |
| Noncurrent assets plus other real estate owned to assets | 1.0540% | 1,958 |
| Noncurrent loans to loans | 1.3099% | 1,696 |
| Net loans and leases to total assets | 79.5896% | 947 |
| Net loans and leases to deposits | 90.2840% | 1,715 |
| Net loans and leases to core deposits | 98.0183% | 1,811 |
| Total domestic deposits to total assets | 88.1547% | 1,320 |
| Equity capital to assets | 10.1535% | 3,978 |
| Core capital (leverage) ratio | 10.0735% | 3,468 |
| Tier 1 risk-based capital ratio | 14.7382% | 3,170 |
| Total risk-based capital ratio | 15.9853% | 3,111 |
| Memoranda: | ||
| Average total assets | $34,319,250 | 5,706 |
| Average earning assets | $30,584,750 | 5,710 |
| Average equity | $3,303,500 | 5,787 |
| Average total loans | $27,807,500 | 5,325 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3707% | 81 |
| Cost of funding earning assets | 0.3949% | 3,096 |
| Net interest margin | 5.9758% | 71 |
| Noninterest income to average assets | 0.6847% | 2,212 |
| Noninterest expense to average assets | 4.4620% | 400 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.5782% | 761 |
| Return on assets (ROA) | 1.5782% | 803 |
| Pretax return on assets | 1.5782% | 1,429 |
| Return on Equity (ROE) | 16.6957% | 461 |
| Retained earnings to average equity (ytd only) | 16.4501% | 106 |
| Net charge-offs to loans | -0.0786% | 5,539 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8713% | 2,379 |
| Assets per employee ($millions) | 2.6202% | 5,728 |
| Cash dividends to net income (ytd only)* | 1.4706% | 3,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1041% | 3,926 |
| Loan loss allowance to noncurrent loans | 83.3333% | 4,049 |
| Noncurrent assets plus other real estate owned to assets | 1.0393% | 2,046 |
| Noncurrent loans to loans | 1.3249% | 1,701 |
| Net loans and leases to total assets | 77.5739% | 1,252 |
| Net loans and leases to deposits | 87.8457% | 2,017 |
| Net loans and leases to core deposits | 95.3109% | 2,039 |
| Total domestic deposits to total assets | 88.3070% | 1,271 |
| Equity capital to assets | 10.0461% | 4,166 |
| Core capital (leverage) ratio | 9.9410% | 3,631 |
| Tier 1 risk-based capital ratio | 15.1349% | 3,016 |
| Total risk-based capital ratio | 16.3821% | 2,947 |
| Memoranda: | ||
| Average total assets | $34,469,000 | 5,770 |
| Average earning assets | $30,891,330 | 5,776 |
| Average equity | $3,258,330 | 5,859 |
| Average total loans | $27,992,330 | 5,372 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3119% | 347 |
| Cost of funding earning assets | 0.3712% | 3,382 |
| Net interest margin | 4.9407% | 291 |
| Noninterest income to average assets | 0.6807% | 2,134 |
| Noninterest expense to average assets | 4.5685% | 372 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5653% | 4,345 |
| Return on assets (ROA) | 0.5653% | 4,447 |
| Pretax return on assets | 0.5653% | 4,913 |
| Return on Equity (ROE) | 6.1703% | 3,894 |
| Retained earnings to average equity (ytd only) | 5.6666% | 2,548 |
| Net charge-offs to loans | -0.0419% | 5,242 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9888% | 749 |
| Assets per employee ($millions) | 2.9199% | 5,588 |
| Cash dividends to net income (ytd only)* | 8.1633% | 2,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9914% | 4,659 |
| Loan loss allowance to noncurrent loans | 77.5676% | 4,147 |
| Noncurrent assets plus other real estate owned to assets | 1.0560% | 2,096 |
| Noncurrent loans to loans | 1.2781% | 1,887 |
| Net loans and leases to total assets | 81.8003% | 585 |
| Net loans and leases to deposits | 91.6627% | 1,392 |
| Net loans and leases to core deposits | 97.1165% | 1,697 |
| Total domestic deposits to total assets | 89.2406% | 976 |
| Equity capital to assets | 9.1298% | 5,057 |
| Core capital (leverage) ratio | 9.2639% | 4,533 |
| Tier 1 risk-based capital ratio | 13.6278% | 3,914 |
| Total risk-based capital ratio | 14.8505% | 3,857 |
| Memoranda: | ||
| Average total assets | $34,672,000 | 5,827 |
| Average earning assets | $31,250,500 | 5,825 |
| Average equity | $3,176,500 | 5,926 |
| Average total loans | $28,629,000 | 5,394 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4438% | 292 |
| Cost of funding earning assets | 0.4247% | 2,900 |
| Net interest margin | 5.0192% | 241 |
| Noninterest income to average assets | 0.8284% | 1,679 |
| Noninterest expense to average assets | 4.9229% | 293 |
| Loan and lease loss provision to assets | 0.0505% | 3,312 |
| Net operating income to assets | 0.2999% | 5,362 |
| Return on assets (ROA) | 0.2999% | 5,440 |
| Pretax return on assets | 0.3118% | 5,500 |
| Return on Equity (ROE) | 3.2357% | 5,219 |
| Retained earnings to average equity (ytd only) | 3.2357% | 3,752 |
| Net charge-offs to loans | 0.4362% | 633 |
| Credit loss provision to net charge-offs | 14.2857% | 3,791 |
| Earnings coverage of net charge-offs (x) | 1.0252% | 4,150 |
| Efficiency ratio | 93.1461% | 521 |
| Assets per employee ($millions) | 2.2870% | 5,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0032% | 4,588 |
| Loan loss allowance to noncurrent loans | 105.1852% | 3,571 |
| Noncurrent assets plus other real estate owned to assets | 0.7871% | 2,707 |
| Noncurrent loans to loans | 0.9538% | 2,424 |
| Net loans and leases to total assets | 81.6936% | 624 |
| Net loans and leases to deposits | 91.5042% | 1,454 |
| Net loans and leases to core deposits | 97.9108% | 1,681 |
| Total domestic deposits to total assets | 89.2785% | 978 |
| Equity capital to assets | 9.1940% | 4,920 |
| Core capital (leverage) ratio | 9.0373% | 4,838 |
| Tier 1 risk-based capital ratio | 13.3404% | 4,084 |
| Total risk-based capital ratio | 14.5412% | 4,058 |
| Memoranda: | ||
| Average total assets | $33,679,600 | 5,900 |
| Average earning assets | $29,905,400 | 5,902 |
| Average equity | $3,121,400 | 5,984 |
| Average total loans | $27,281,800 | 5,467 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4611% | 281 |
| Cost of funding earning assets | 0.4363% | 2,835 |
| Net interest margin | 5.0247% | 239 |
| Noninterest income to average assets | 0.8829% | 1,503 |
| Noninterest expense to average assets | 4.7807% | 342 |
| Loan and lease loss provision to assets | 0.0676% | 2,826 |
| Net operating income to assets | 0.4693% | 4,900 |
| Return on assets (ROA) | 0.4693% | 4,997 |
| Pretax return on assets | 0.4773% | 5,275 |
| Return on Equity (ROE) | 5.0536% | 4,601 |
| Retained earnings to average equity (ytd only) | 5.0536% | 2,873 |
| Net charge-offs to loans | 0.5920% | 376 |
| Credit loss provision to net charge-offs | 14.1667% | 3,416 |
| Earnings coverage of net charge-offs (x) | 1.1416% | 3,881 |
| Efficiency ratio | 89.7685% | 719 |
| Assets per employee ($millions) | 2.0283% | 6,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0363% | 4,549 |
| Loan loss allowance to noncurrent loans | 110.1167% | 3,476 |
| Noncurrent assets plus other real estate owned to assets | 0.8613% | 2,726 |
| Noncurrent loans to loans | 0.9410% | 2,616 |
| Net loans and leases to total assets | 78.3823% | 1,044 |
| Net loans and leases to deposits | 87.9327% | 1,911 |
| Net loans and leases to core deposits | 94.0626% | 2,069 |
| Total domestic deposits to total assets | 89.1389% | 956 |
| Equity capital to assets | 9.1993% | 5,112 |
| Core capital (leverage) ratio | 9.3418% | 4,523 |
| Tier 1 risk-based capital ratio | 13.6736% | 4,040 |
| Total risk-based capital ratio | 14.8935% | 3,985 |
| Memoranda: | ||
| Average total assets | $33,523,250 | 5,979 |
| Average earning assets | $29,639,500 | 5,984 |
| Average equity | $3,113,250 | 6,071 |
| Average total loans | $27,025,000 | 5,543 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4609% | 282 |
| Cost of funding earning assets | 0.4426% | 2,810 |
| Net interest margin | 5.0183% | 238 |
| Noninterest income to average assets | 0.9276% | 1,365 |
| Noninterest expense to average assets | 4.7585% | 352 |
| Loan and lease loss provision to assets | 0.1024% | 2,126 |
| Net operating income to assets | 0.5120% | 4,716 |
| Return on assets (ROA) | 0.5120% | 4,828 |
| Pretax return on assets | 0.5060% | 5,209 |
| Return on Equity (ROE) | 5.4951% | 4,373 |
| Retained earnings to average equity (ytd only) | 5.4951% | 2,537 |
| Net charge-offs to loans | 0.8392% | 246 |
| Credit loss provision to net charge-offs | 15.0442% | 3,065 |
| Earnings coverage of net charge-offs (x) | 0.8938% | 3,608 |
| Efficiency ratio | 88.6644% | 860 |
| Assets per employee ($millions) | 1.9775% | 6,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0546% | 4,579 |
| Loan loss allowance to noncurrent loans | 83.5735% | 4,113 |
| Noncurrent assets plus other real estate owned to assets | 1.0322% | 2,441 |
| Noncurrent loans to loans | 1.2619% | 2,138 |
| Net loans and leases to total assets | 80.9382% | 678 |
| Net loans and leases to deposits | 91.0213% | 1,483 |
| Net loans and leases to core deposits | 97.5583% | 1,682 |
| Total domestic deposits to total assets | 88.9223% | 1,175 |
| Equity capital to assets | 9.3346% | 4,852 |
| Core capital (leverage) ratio | 9.2526% | 4,615 |
| Tier 1 risk-based capital ratio | 13.8138% | 4,028 |
| Total risk-based capital ratio | 15.0603% | 3,964 |
| Memoranda: | ||
| Average total assets | $33,204,000 | 6,057 |
| Average earning assets | $29,372,670 | 6,053 |
| Average equity | $3,093,670 | 6,134 |
| Average total loans | $26,930,000 | 5,594 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3948% | 307 |
| Cost of funding earning assets | 0.4359% | 2,919 |
| Net interest margin | 4.9589% | 265 |
| Noninterest income to average assets | 0.9213% | 1,323 |
| Noninterest expense to average assets | 4.8852% | 321 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4728% | 4,788 |
| Return on assets (ROA) | 0.4728% | 4,907 |
| Pretax return on assets | 0.4485% | 5,323 |
| Return on Equity (ROE) | 5.0790% | 4,494 |
| Retained earnings to average equity (ytd only) | 5.0790% | 3,018 |
| Net charge-offs to loans | 1.0658% | 224 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 0.5211% | 3,036 |
| Efficiency ratio | 91.5909% | 739 |
| Assets per employee ($millions) | 1.9927% | 6,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1748% | 4,121 |
| Loan loss allowance to noncurrent loans | 70.3125% | 4,425 |
| Noncurrent assets plus other real estate owned to assets | 1.5055% | 1,737 |
| Noncurrent loans to loans | 1.6708% | 1,658 |
| Net loans and leases to total assets | 78.2206% | 891 |
| Net loans and leases to deposits | 87.7272% | 1,643 |
| Net loans and leases to core deposits | 96.0003% | 1,614 |
| Total domestic deposits to total assets | 89.1634% | 1,164 |
| Equity capital to assets | 9.1274% | 5,160 |
| Core capital (leverage) ratio | 9.1931% | 4,728 |
| Tier 1 risk-based capital ratio | 14.0264% | 3,989 |
| Total risk-based capital ratio | 15.2743% | 3,918 |
| Memoranda: | ||
| Average total assets | $32,997,500 | 6,125 |
| Average earning assets | $29,361,500 | 6,117 |
| Average equity | $3,071,500 | 6,202 |
| Average total loans | $26,645,500 | 5,653 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7875% | 197 |
| Cost of funding earning assets | 0.4957% | 2,710 |
| Net interest margin | 5.2918% | 183 |
| Noninterest income to average assets | 0.8326% | 1,738 |
| Noninterest expense to average assets | 4.9019% | 328 |
| Loan and lease loss provision to assets | 0.0939% | 2,589 |
| Net operating income to assets | 0.5117% | 4,771 |
| Return on assets (ROA) | 0.5117% | 4,851 |
| Pretax return on assets | 0.5238% | 5,185 |
| Return on Equity (ROE) | 6.0336% | 4,128 |
| Retained earnings to average equity (ytd only) | 6.0336% | 1,906 |
| Net charge-offs to loans | 0.7308% | 496 |
| Credit loss provision to net charge-offs | 15.5779% | 4,028 |
| Earnings coverage of net charge-offs (x) | 1.0251% | 4,512 |
| Efficiency ratio | 88.8097% | 926 |
| Assets per employee ($millions) | 1.8894% | 6,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4578% | 2,655 |
| Loan loss allowance to noncurrent loans | 78.1377% | 4,270 |
| Noncurrent assets plus other real estate owned to assets | 1.8930% | 1,364 |
| Noncurrent loans to loans | 1.8657% | 1,524 |
| Net loans and leases to total assets | 81.2354% | 604 |
| Net loans and leases to deposits | 91.6763% | 1,323 |
| Net loans and leases to core deposits | 98.6167% | 1,501 |
| Total domestic deposits to total assets | 88.6111% | 1,467 |
| Equity capital to assets | 9.4991% | 4,726 |
| Core capital (leverage) ratio | 9.2471% | 4,609 |
| Tier 1 risk-based capital ratio | 14.3401% | 3,871 |
| Total risk-based capital ratio | 14.8898% | 4,266 |
| Memoranda: | ||
| Average total assets | $33,027,800 | 6,195 |
| Average earning assets | $29,252,800 | 6,195 |
| Average equity | $2,801,000 | 6,304 |
| Average total loans | $27,229,400 | 5,683 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8389% | 182 |
| Cost of funding earning assets | 0.5024% | 2,731 |
| Net interest margin | 5.3365% | 167 |
| Noninterest income to average assets | 0.8379% | 1,749 |
| Noninterest expense to average assets | 4.8794% | 338 |
| Loan and lease loss provision to assets | 0.0601% | 3,157 |
| Net operating income to assets | 0.6375% | 4,272 |
| Return on assets (ROA) | 0.6375% | 4,376 |
| Pretax return on assets | 0.6254% | 4,946 |
| Return on Equity (ROE) | 7.7411% | 3,341 |
| Retained earnings to average equity (ytd only) | 7.7411% | 1,468 |
| Net charge-offs to loans | 0.6662% | 530 |
| Credit loss provision to net charge-offs | 10.9489% | 3,692 |
| Earnings coverage of net charge-offs (x) | 1.2482% | 4,194 |
| Efficiency ratio | 87.6801% | 1,029 |
| Assets per employee ($millions) | 2.0580% | 6,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5671% | 2,430 |
| Loan loss allowance to noncurrent loans | 74.8700% | 4,341 |
| Noncurrent assets plus other real estate owned to assets | 1.8768% | 1,565 |
| Noncurrent loans to loans | 2.0931% | 1,497 |
| Net loans and leases to total assets | 82.4071% | 473 |
| Net loans and leases to deposits | 92.7534% | 1,158 |
| Net loans and leases to core deposits | 99.5707% | 1,409 |
| Total domestic deposits to total assets | 88.8454% | 1,334 |
| Equity capital to assets | 9.2262% | 5,118 |
| Core capital (leverage) ratio | 9.1613% | 4,833 |
| Tier 1 risk-based capital ratio | 13.9183% | 4,279 |
| Total risk-based capital ratio | 14.6277% | 4,556 |
| Memoranda: | ||
| Average total assets | $33,255,000 | 6,269 |
| Average earning assets | $29,456,750 | 6,267 |
| Average equity | $2,738,500 | 6,386 |
| Average total loans | $27,417,250 | 5,736 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8426% | 180 |
| Cost of funding earning assets | 0.5089% | 2,741 |
| Net interest margin | 5.3337% | 162 |
| Noninterest income to average assets | 0.8332% | 1,724 |
| Noninterest expense to average assets | 4.9574% | 321 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6474% | 4,114 |
| Return on assets (ROA) | 0.6474% | 4,214 |
| Pretax return on assets | 0.5875% | 4,990 |
| Return on Equity (ROE) | 8.1859% | 2,995 |
| Retained earnings to average equity (ytd only) | 8.1859% | 1,252 |
| Net charge-offs to loans | 0.1242% | 2,430 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 5.7647% | 2,873 |
| Efficiency ratio | 89.4054% | 959 |
| Assets per employee ($millions) | 2.0802% | 6,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9386% | 1,484 |
| Loan loss allowance to noncurrent loans | 100.1866% | 3,644 |
| Noncurrent assets plus other real estate owned to assets | 1.8658% | 1,743 |
| Noncurrent loans to loans | 1.9350% | 1,760 |
| Net loans and leases to total assets | 81.6122% | 505 |
| Net loans and leases to deposits | 91.5165% | 1,212 |
| Net loans and leases to core deposits | 100.3139% | 1,255 |
| Total domestic deposits to total assets | 89.1777% | 1,265 |
| Equity capital to assets | 8.0912% | 6,102 |
| Core capital (leverage) ratio | 8.0081% | 6,094 |
| Tier 1 risk-based capital ratio | 12.1724% | 5,438 |
| Total risk-based capital ratio | 13.3336% | 5,421 |
| Memoranda: | ||
| Average total assets | $33,364,000 | 6,320 |
| Average earning assets | $29,473,000 | 6,325 |
| Average equity | $2,638,670 | 6,456 |
| Average total loans | $27,367,330 | 5,773 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8056% | 185 |
| Cost of funding earning assets | 0.5131% | 2,775 |
| Net interest margin | 5.2926% | 160 |
| Noninterest income to average assets | 0.8861% | 1,439 |
| Noninterest expense to average assets | 5.0891% | 301 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6706% | 3,840 |
| Return on assets (ROA) | 0.6706% | 3,924 |
| Pretax return on assets | 0.4910% | 5,197 |
| Return on Equity (ROE) | 8.5774% | 2,656 |
| Retained earnings to average equity (ytd only) | 8.5774% | 1,390 |
| Net charge-offs to loans | 0.2647% | 1,278 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 2.2778% | 2,918 |
| Efficiency ratio | 91.2017% | 931 |
| Assets per employee ($millions) | 2.1012% | 6,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9362% | 1,652 |
| Loan loss allowance to noncurrent loans | 107.4148% | 3,435 |
| Noncurrent assets plus other real estate owned to assets | 2.5938% | 1,204 |
| Noncurrent loans to loans | 1.8026% | 2,134 |
| Net loans and leases to total assets | 80.7490% | 479 |
| Net loans and leases to deposits | 89.5409% | 1,203 |
| Net loans and leases to core deposits | 97.9506% | 1,241 |
| Total domestic deposits to total assets | 90.1811% | 979 |
| Equity capital to assets | 7.8497% | 6,147 |
| Core capital (leverage) ratio | 7.9452% | 6,150 |
| Tier 1 risk-based capital ratio | 11.6585% | 5,832 |
| Total risk-based capital ratio | 12.7577% | 5,859 |
| Memoranda: | ||
| Average total assets | $33,404,500 | 6,385 |
| Average earning assets | $29,626,500 | 6,388 |
| Average equity | $2,611,500 | 6,520 |
| Average total loans | $27,201,000 | 5,841 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9822% | 177 |
| Cost of funding earning assets | 0.6327% | 2,360 |
| Net interest margin | 5.3495% | 171 |
| Noninterest income to average assets | 0.8728% | 1,775 |
| Noninterest expense to average assets | 5.2004% | 300 |
| Loan and lease loss provision to assets | 0.2106% | 1,753 |
| Net operating income to assets | -0.7167% | 6,550 |
| Return on assets (ROA) | -0.7050% | 6,549 |
| Pretax return on assets | 0.1251% | 6,055 |
| Return on Equity (ROE) | -8.4777% | 6,563 |
| Retained earnings to average equity (ytd only) | -8.4777% | 6,505 |
| Net charge-offs to loans | 1.1290% | 490 |
| Credit loss provision to net charge-offs | 24.0418% | 4,369 |
| Earnings coverage of net charge-offs (x) | 0.3624% | 4,962 |
| Efficiency ratio | 94.2478% | 734 |
| Assets per employee ($millions) | 1.9524% | 6,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0734% | 1,387 |
| Loan loss allowance to noncurrent loans | 111.6935% | 3,326 |
| Noncurrent assets plus other real estate owned to assets | 2.6213% | 1,290 |
| Noncurrent loans to loans | 1.8564% | 2,162 |
| Net loans and leases to total assets | 78.8340% | 730 |
| Net loans and leases to deposits | 87.4499% | 1,526 |
| Net loans and leases to core deposits | 95.7828% | 1,468 |
| Total domestic deposits to total assets | 90.1476% | 1,008 |
| Equity capital to assets | 7.7855% | 6,141 |
| Core capital (leverage) ratio | 7.7356% | 6,285 |
| Tier 1 risk-based capital ratio | 11.8374% | 5,714 |
| Total risk-based capital ratio | 13.1054% | 5,639 |
| Memoranda: | ||
| Average total assets | $32,767,000 | 6,467 |
| Average earning assets | $28,451,200 | 6,479 |
| Average equity | $2,724,800 | 6,586 |
| Average total loans | $25,420,600 | 5,960 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0699% | 156 |
| Cost of funding earning assets | 0.6602% | 2,264 |
| Net interest margin | 5.4097% | 155 |
| Noninterest income to average assets | 0.8409% | 1,972 |
| Noninterest expense to average assets | 5.1926% | 302 |
| Loan and lease loss provision to assets | 0.1429% | 2,500 |
| Net operating income to assets | -0.9479% | 6,701 |
| Return on assets (ROA) | -0.9348% | 6,702 |
| Pretax return on assets | 0.1755% | 6,083 |
| Return on Equity (ROE) | -11.0627% | 6,703 |
| Retained earnings to average equity (ytd only) | -11.0627% | 6,660 |
| Net charge-offs to loans | 1.1954% | 452 |
| Credit loss provision to net charge-offs | 15.5556% | 4,139 |
| Earnings coverage of net charge-offs (x) | 0.3244% | 4,756 |
| Efficiency ratio | 94.5725% | 704 |
| Assets per employee ($millions) | 1.9339% | 6,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3352% | 1,129 |
| Loan loss allowance to noncurrent loans | 72.8411% | 4,310 |
| Noncurrent assets plus other real estate owned to assets | 3.7260% | 884 |
| Noncurrent loans to loans | 3.2059% | 1,226 |
| Net loans and leases to total assets | 74.0366% | 1,286 |
| Net loans and leases to deposits | 82.5286% | 2,068 |
| Net loans and leases to core deposits | 90.5173% | 1,923 |
| Total domestic deposits to total assets | 89.7101% | 1,166 |
| Equity capital to assets | 7.8626% | 6,227 |
| Core capital (leverage) ratio | 7.9553% | 6,255 |
| Tier 1 risk-based capital ratio | 12.3173% | 5,560 |
| Total risk-based capital ratio | 13.5838% | 5,489 |
| Memoranda: | ||
| Average total assets | $32,661,250 | 6,542 |
| Average earning assets | $28,072,250 | 6,560 |
| Average equity | $2,760,000 | 6,654 |
| Average total loans | $25,096,000 | 6,033 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3434% | 114 |
| Cost of funding earning assets | 0.6961% | 2,089 |
| Net interest margin | 5.6474% | 114 |
| Noninterest income to average assets | 0.8899% | 1,849 |
| Noninterest expense to average assets | 5.3330% | 288 |
| Loan and lease loss provision to assets | 0.2087% | 1,815 |
| Net operating income to assets | 0.0859% | 6,161 |
| Return on assets (ROA) | 0.0859% | 6,245 |
| Pretax return on assets | 0.1780% | 6,109 |
| Return on Equity (ROE) | 0.9935% | 6,215 |
| Retained earnings to average equity (ytd only) | 0.9935% | 5,506 |
| Net charge-offs to loans | 1.5982% | 320 |
| Credit loss provision to net charge-offs | 16.9154% | 3,794 |
| Earnings coverage of net charge-offs (x) | 0.3134% | 4,436 |
| Efficiency ratio | 93.2403% | 800 |
| Assets per employee ($millions) | 1.9835% | 6,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4857% | 998 |
| Loan loss allowance to noncurrent loans | 78.3679% | 4,095 |
| Noncurrent assets plus other real estate owned to assets | 4.2633% | 785 |
| Noncurrent loans to loans | 3.1719% | 1,384 |
| Net loans and leases to total assets | 74.7857% | 1,133 |
| Net loans and leases to deposits | 84.3756% | 1,749 |
| Net loans and leases to core deposits | 92.9797% | 1,611 |
| Total domestic deposits to total assets | 88.6344% | 1,820 |
| Equity capital to assets | 8.8795% | 5,350 |
| Core capital (leverage) ratio | 7.9130% | 6,244 |
| Tier 1 risk-based capital ratio | 12.3255% | 5,609 |
| Total risk-based capital ratio | 13.5965% | 5,546 |
| Memoranda: | ||
| Average total assets | $32,589,330 | 6,589 |
| Average earning assets | $27,871,330 | 6,615 |
| Average equity | $2,818,330 | 6,687 |
| Average total loans | $25,153,670 | 6,061 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3669% | 106 |
| Cost of funding earning assets | 0.7245% | 2,028 |
| Net interest margin | 5.6424% | 106 |
| Noninterest income to average assets | 0.6906% | 2,645 |
| Noninterest expense to average assets | 4.9552% | 382 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1575% | 6,015 |
| Return on assets (ROA) | 0.1575% | 6,113 |
| Pretax return on assets | 0.6421% | 4,799 |
| Return on Equity (ROE) | 1.8450% | 5,990 |
| Retained earnings to average equity (ytd only) | 1.8450% | 5,072 |
| Net charge-offs to loans | 1.7214% | 289 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.4818% | 3,659 |
| Efficiency ratio | 88.5281% | 1,272 |
| Assets per employee ($millions) | 1.8392% | 6,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6075% | 1,002 |
| Loan loss allowance to noncurrent loans | 51.0015% | 5,121 |
| Noncurrent assets plus other real estate owned to assets | 5.5277% | 623 |
| Noncurrent loans to loans | 5.1127% | 733 |
| Net loans and leases to total assets | 74.6874% | 989 |
| Net loans and leases to deposits | 83.9621% | 1,603 |
| Net loans and leases to core deposits | 88.3198% | 1,872 |
| Total domestic deposits to total assets | 88.9537% | 1,708 |
| Equity capital to assets | 8.5483% | 5,971 |
| Core capital (leverage) ratio | 7.9116% | 6,207 |
| Tier 1 risk-based capital ratio | 11.9319% | 5,957 |
| Total risk-based capital ratio | 13.1638% | 5,936 |
| Memoranda: | ||
| Average total assets | $33,016,000 | 6,644 |
| Average earning assets | $28,711,000 | 6,656 |
| Average equity | $2,818,500 | 6,756 |
| Average total loans | $25,561,000 | 6,092 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1176% | 226 |
| Cost of funding earning assets | 1.3595% | 294 |
| Net interest margin | 4.7581% | 582 |
| Noninterest income to average assets | 0.9355% | 1,760 |
| Noninterest expense to average assets | 5.3604% | 293 |
| Loan and lease loss provision to assets | 1.2409% | 287 |
| Net operating income to assets | -1.1159% | 6,774 |
| Return on assets (ROA) | -1.1159% | 6,788 |
| Pretax return on assets | -1.5851% | 6,872 |
| Return on Equity (ROE) | -13.5783% | 6,803 |
| Retained earnings to average equity (ytd only) | -13.5783% | 6,743 |
| Net charge-offs to loans | 0.9488% | 1,165 |
| Credit loss provision to net charge-offs | 185.4772% | 1,415 |
| Earnings coverage of net charge-offs (x) | -0.5145% | 5,678 |
| Efficiency ratio | 106.8622% | 391 |
| Assets per employee ($millions) | 1.9368% | 6,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9999% | 663 |
| Loan loss allowance to noncurrent loans | 72.6246% | 4,166 |
| Noncurrent assets plus other real estate owned to assets | 4.6863% | 867 |
| Noncurrent loans to loans | 4.1307% | 1,114 |
| Net loans and leases to total assets | 75.8124% | 942 |
| Net loans and leases to deposits | 85.2062% | 1,615 |
| Net loans and leases to core deposits | 87.6136% | 2,131 |
| Total domestic deposits to total assets | 88.9753% | 1,578 |
| Equity capital to assets | 8.5252% | 6,030 |
| Core capital (leverage) ratio | 7.2535% | 6,611 |
| Tier 1 risk-based capital ratio | 11.5614% | 6,052 |
| Total risk-based capital ratio | 12.8394% | 6,000 |
| Memoranda: | ||
| Average total assets | $36,023,400 | 6,608 |
| Average earning assets | $30,894,400 | 6,645 |
| Average equity | $2,960,600 | 6,792 |
| Average total loans | $25,401,200 | 6,167 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0569% | 266 |
| Cost of funding earning assets | 1.1563% | 841 |
| Net interest margin | 4.9006% | 468 |
| Noninterest income to average assets | 0.9421% | 1,701 |
| Noninterest expense to average assets | 5.2973% | 304 |
| Loan and lease loss provision to assets | 0.8768% | 514 |
| Net operating income to assets | -0.6486% | 6,757 |
| Return on assets (ROA) | -0.6486% | 6,784 |
| Pretax return on assets | -1.0399% | 6,875 |
| Return on Equity (ROE) | -7.9580% | 6,811 |
| Retained earnings to average equity (ytd only) | -7.9580% | 6,747 |
| Net charge-offs to loans | 1.0690% | 973 |
| Credit loss provision to net charge-offs | 119.2118% | 2,436 |
| Earnings coverage of net charge-offs (x) | -0.2217% | 5,415 |
| Efficiency ratio | 103.1757% | 444 |
| Assets per employee ($millions) | 1.9632% | 7,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3310% | 1,463 |
| Loan loss allowance to noncurrent loans | 56.7542% | 4,813 |
| Noncurrent assets plus other real estate owned to assets | 4.5984% | 1,000 |
| Noncurrent loans to loans | 4.1073% | 1,229 |
| Net loans and leases to total assets | 71.7330% | 1,598 |
| Net loans and leases to deposits | 85.6298% | 1,647 |
| Net loans and leases to core deposits | 88.0235% | 2,212 |
| Total domestic deposits to total assets | 83.7710% | 4,328 |
| Equity capital to assets | 8.1527% | 6,515 |
| Core capital (leverage) ratio | 7.4972% | 6,625 |
| Tier 1 risk-based capital ratio | 11.8031% | 6,053 |
| Total risk-based capital ratio | 13.0680% | 6,026 |
| Memoranda: | ||
| Average total assets | $36,797,750 | 6,670 |
| Average earning assets | $31,478,250 | 6,707 |
| Average equity | $2,999,000 | 6,870 |
| Average total loans | $25,318,000 | 6,258 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9556% | 312 |
| Cost of funding earning assets | 1.1559% | 997 |
| Net interest margin | 4.7997% | 561 |
| Noninterest income to average assets | 0.9870% | 1,500 |
| Noninterest expense to average assets | 4.9941% | 379 |
| Loan and lease loss provision to assets | 0.6866% | 811 |
| Net operating income to assets | -0.3111% | 6,625 |
| Return on assets (ROA) | -0.3111% | 6,683 |
| Pretax return on assets | -0.5954% | 6,770 |
| Return on Equity (ROE) | -3.8179% | 6,718 |
| Retained earnings to average equity (ytd only) | -3.8179% | 6,539 |
| Net charge-offs to loans | 1.1471% | 943 |
| Credit loss provision to net charge-offs | 88.8889% | 3,079 |
| Earnings coverage of net charge-offs (x) | 0.1181% | 5,019 |
| Efficiency ratio | 98.2068% | 616 |
| Assets per employee ($millions) | 1.9991% | 7,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1914% | 1,789 |
| Loan loss allowance to noncurrent loans | 45.1189% | 5,384 |
| Noncurrent assets plus other real estate owned to assets | 5.2108% | 895 |
| Noncurrent loans to loans | 4.8570% | 1,042 |
| Net loans and leases to total assets | 68.2211% | 2,257 |
| Net loans and leases to deposits | 81.5494% | 2,170 |
| Net loans and leases to core deposits | 83.8760% | 2,705 |
| Total domestic deposits to total assets | 83.6562% | 4,463 |
| Equity capital to assets | 8.3400% | 6,343 |
| Core capital (leverage) ratio | 7.7925% | 6,454 |
| Tier 1 risk-based capital ratio | 12.5060% | 5,561 |
| Total risk-based capital ratio | 13.7685% | 5,536 |
| Memoranda: | ||
| Average total assets | $37,284,330 | 6,702 |
| Average earning assets | $31,835,330 | 6,741 |
| Average equity | $3,038,330 | 6,905 |
| Average total loans | $25,106,000 | 6,314 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7612% | 460 |
| Cost of funding earning assets | 1.1498% | 1,174 |
| Net interest margin | 4.6114% | 809 |
| Noninterest income to average assets | 0.9912% | 1,450 |
| Noninterest expense to average assets | 4.8926% | 399 |
| Loan and lease loss provision to assets | 0.6537% | 829 |
| Net operating income to assets | -0.0105% | 6,434 |
| Return on assets (ROA) | -0.0105% | 6,544 |
| Pretax return on assets | -0.6221% | 6,873 |
| Return on Equity (ROE) | -0.1308% | 6,547 |
| Retained earnings to average equity (ytd only) | -0.1308% | 6,012 |
| Net charge-offs to loans | 1.1629% | 883 |
| Credit loss provision to net charge-offs | 84.9315% | 2,641 |
| Earnings coverage of net charge-offs (x) | 0.0411% | 4,348 |
| Efficiency ratio | 99.3576% | 578 |
| Assets per employee ($millions) | 2.1082% | 7,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2788% | 1,714 |
| Loan loss allowance to noncurrent loans | 36.2982% | 5,833 |
| Noncurrent assets plus other real estate owned to assets | 6.3086% | 722 |
| Noncurrent loans to loans | 6.2780% | 771 |
| Net loans and leases to total assets | 62.7174% | 3,119 |
| Net loans and leases to deposits | 74.2937% | 3,082 |
| Net loans and leases to core deposits | 76.5249% | 3,554 |
| Total domestic deposits to total assets | 84.4182% | 4,316 |
| Equity capital to assets | 8.0531% | 6,486 |
| Core capital (leverage) ratio | 7.8857% | 6,345 |
| Tier 1 risk-based capital ratio | 12.7065% | 5,435 |
| Total risk-based capital ratio | 13.9523% | 5,401 |
| Memoranda: | ||
| Average total assets | $37,935,000 | 6,737 |
| Average earning assets | $32,354,500 | 6,783 |
| Average equity | $3,057,000 | 6,947 |
| Average total loans | $25,110,000 | 6,363 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1903% | 313 |
| Cost of funding earning assets | 1.4143% | 976 |
| Net interest margin | 4.7761% | 658 |
| Noninterest income to average assets | 0.7963% | 2,083 |
| Noninterest expense to average assets | 4.3614% | 679 |
| Loan and lease loss provision to assets | 1.8606% | 345 |
| Net operating income to assets | -1.0071% | 6,743 |
| Return on assets (ROA) | -1.0071% | 6,769 |
| Pretax return on assets | -1.2074% | 6,817 |
| Return on Equity (ROE) | -11.6307% | 6,782 |
| Retained earnings to average equity (ytd only) | -11.6307% | 6,751 |
| Net charge-offs to loans | 2.1365% | 618 |
| Credit loss provision to net charge-offs | 122.8522% | 2,574 |
| Earnings coverage of net charge-offs (x) | 0.4313% | 5,496 |
| Efficiency ratio | 86.9746% | 1,446 |
| Assets per employee ($millions) | 1.9959% | 7,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1883% | 1,819 |
| Loan loss allowance to noncurrent loans | 24.6623% | 6,446 |
| Noncurrent assets plus other real estate owned to assets | 7.5286% | 580 |
| Noncurrent loans to loans | 8.8730% | 405 |
| Net loans and leases to total assets | 66.7133% | 2,637 |
| Net loans and leases to deposits | 79.1088% | 2,668 |
| Net loans and leases to core deposits | 81.4888% | 3,249 |
| Total domestic deposits to total assets | 84.3310% | 4,171 |
| Equity capital to assets | 8.0639% | 6,528 |
| Core capital (leverage) ratio | 7.7549% | 6,489 |
| Tier 1 risk-based capital ratio | 12.5620% | 5,400 |
| Total risk-based capital ratio | 13.8245% | 5,378 |
| Memoranda: | ||
| Average total assets | $38,428,200 | 6,728 |
| Average earning assets | $33,940,000 | 6,755 |
| Average equity | $3,327,400 | 6,924 |
| Average total loans | $27,240,200 | 6,278 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2980% | 270 |
| Cost of funding earning assets | 1.4904% | 900 |
| Net interest margin | 4.8077% | 617 |
| Noninterest income to average assets | 0.7193% | 2,481 |
| Noninterest expense to average assets | 4.3815% | 646 |
| Loan and lease loss provision to assets | 1.5493% | 432 |
| Net operating income to assets | -0.8680% | 6,831 |
| Return on assets (ROA) | -0.8680% | 6,867 |
| Pretax return on assets | -0.9614% | 6,861 |
| Return on Equity (ROE) | -9.8582% | 6,885 |
| Retained earnings to average equity (ytd only) | -9.8582% | 6,849 |
| Net charge-offs to loans | 1.1504% | 1,369 |
| Credit loss provision to net charge-offs | 188.2353% | 1,549 |
| Earnings coverage of net charge-offs (x) | 0.7143% | 5,086 |
| Efficiency ratio | 88.1698% | 1,330 |
| Assets per employee ($millions) | 2.0125% | 7,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4742% | 1,431 |
| Loan loss allowance to noncurrent loans | 34.6257% | 5,981 |
| Noncurrent assets plus other real estate owned to assets | 6.4491% | 805 |
| Noncurrent loans to loans | 7.1456% | 686 |
| Net loans and leases to total assets | 66.2822% | 2,832 |
| Net loans and leases to deposits | 79.0204% | 2,809 |
| Net loans and leases to core deposits | 81.3879% | 3,428 |
| Total domestic deposits to total assets | 83.8799% | 4,288 |
| Equity capital to assets | 8.3582% | 6,432 |
| Core capital (leverage) ratio | 8.3828% | 5,878 |
| Tier 1 risk-based capital ratio | 13.4369% | 4,783 |
| Total risk-based capital ratio | 14.7044% | 4,739 |
| Memoranda: | ||
| Average total assets | $38,554,750 | 6,774 |
| Average earning assets | $34,083,750 | 6,811 |
| Average equity | $3,394,750 | 6,968 |
| Average total loans | $27,584,000 | 6,326 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3391% | 262 |
| Cost of funding earning assets | 1.5950% | 707 |
| Net interest margin | 4.7441% | 665 |
| Noninterest income to average assets | 0.8277% | 1,904 |
| Noninterest expense to average assets | 4.2162% | 814 |
| Loan and lease loss provision to assets | 1.3244% | 558 |
| Net operating income to assets | -0.3932% | 6,607 |
| Return on assets (ROA) | -0.3932% | 6,635 |
| Pretax return on assets | -0.5122% | 6,667 |
| Return on Equity (ROE) | -4.3918% | 6,672 |
| Retained earnings to average equity (ytd only) | -4.3918% | 6,514 |
| Net charge-offs to loans | 0.7469% | 2,009 |
| Credit loss provision to net charge-offs | 243.8095% | 1,246 |
| Earnings coverage of net charge-offs (x) | 1.4952% | 4,167 |
| Efficiency ratio | 83.8477% | 1,836 |
| Assets per employee ($millions) | 1.9773% | 7,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1796% | 1,962 |
| Loan loss allowance to noncurrent loans | 32.7906% | 6,103 |
| Noncurrent assets plus other real estate owned to assets | 6.3698% | 847 |
| Noncurrent loans to loans | 6.6470% | 819 |
| Net loans and leases to total assets | 69.7668% | 2,268 |
| Net loans and leases to deposits | 83.9741% | 2,114 |
| Net loans and leases to core deposits | 86.5616% | 2,815 |
| Total domestic deposits to total assets | 83.0813% | 4,720 |
| Equity capital to assets | 9.0716% | 5,481 |
| Core capital (leverage) ratio | 8.8181% | 5,016 |
| Tier 1 risk-based capital ratio | 14.0436% | 4,143 |
| Total risk-based capital ratio | 15.3086% | 4,102 |
| Memoranda: | ||
| Average total assets | $38,660,330 | 6,832 |
| Average earning assets | $34,232,000 | 6,862 |
| Average equity | $3,461,000 | 6,994 |
| Average total loans | $28,116,000 | 6,362 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3840% | 250 |
| Cost of funding earning assets | 1.6275% | 736 |
| Net interest margin | 4.7564% | 622 |
| Noninterest income to average assets | 0.7142% | 2,491 |
| Noninterest expense to average assets | 4.0503% | 976 |
| Loan and lease loss provision to assets | 0.7142% | 1,187 |
| Net operating income to assets | 0.1938% | 5,802 |
| Return on assets (ROA) | 0.1938% | 5,862 |
| Pretax return on assets | 0.1836% | 5,976 |
| Return on Equity (ROE) | 2.1792% | 5,724 |
| Retained earnings to average equity (ytd only) | 2.1792% | 4,838 |
| Net charge-offs to loans | 0.7645% | 1,686 |
| Credit loss provision to net charge-offs | 127.2727% | 2,169 |
| Earnings coverage of net charge-offs (x) | 1.6000% | 3,514 |
| Efficiency ratio | 81.8557% | 2,249 |
| Assets per employee ($millions) | 2.1483% | 7,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5970% | 3,744 |
| Loan loss allowance to noncurrent loans | 27.2672% | 6,455 |
| Noncurrent assets plus other real estate owned to assets | 5.5806% | 1,071 |
| Noncurrent loans to loans | 5.8568% | 1,099 |
| Net loans and leases to total assets | 71.3861% | 1,840 |
| Net loans and leases to deposits | 85.6926% | 1,780 |
| Net loans and leases to core deposits | 88.6367% | 2,525 |
| Total domestic deposits to total assets | 83.3049% | 4,791 |
| Equity capital to assets | 9.0303% | 5,157 |
| Core capital (leverage) ratio | 8.9125% | 4,752 |
| Tier 1 risk-based capital ratio | 13.6545% | 4,325 |
| Total risk-based capital ratio | 14.9097% | 4,290 |
| Memoranda: | ||
| Average total assets | $39,206,500 | 6,861 |
| Average earning assets | $34,900,000 | 6,887 |
| Average equity | $3,487,500 | 7,021 |
| Average total loans | $28,777,000 | 6,384 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4286% | 358 |
| Cost of funding earning assets | 2.1909% | 313 |
| Net interest margin | 4.2377% | 2,035 |
| Noninterest income to average assets | 0.8046% | 2,258 |
| Noninterest expense to average assets | 4.1541% | 958 |
| Loan and lease loss provision to assets | 0.5094% | 3,117 |
| Net operating income to assets | -0.1000% | 5,991 |
| Return on assets (ROA) | -0.1000% | 6,052 |
| Pretax return on assets | -0.0786% | 5,983 |
| Return on Equity (ROE) | -1.2024% | 6,081 |
| Retained earnings to average equity (ytd only) | -1.2024% | 5,837 |
| Net charge-offs to loans | 0.5531% | 3,405 |
| Credit loss provision to net charge-offs | 132.9193% | 2,952 |
| Earnings coverage of net charge-offs (x) | 1.1242% | 4,984 |
| Efficiency ratio | 90.6023% | 1,275 |
| Assets per employee ($millions) | 2.0917% | 7,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4677% | 4,201 |
| Loan loss allowance to noncurrent loans | 26.5481% | 6,507 |
| Noncurrent assets plus other real estate owned to assets | 5.3997% | 1,148 |
| Noncurrent loans to loans | 5.5286% | 1,187 |
| Net loans and leases to total assets | 73.1399% | 1,841 |
| Net loans and leases to deposits | 87.3254% | 1,890 |
| Net loans and leases to core deposits | 87.3989% | 3,135 |
| Total domestic deposits to total assets | 83.7556% | 4,478 |
| Equity capital to assets | 8.7638% | 5,493 |
| Core capital (leverage) ratio | 8.3311% | 5,641 |
| Tier 1 risk-based capital ratio | 13.1419% | 4,493 |
| Total risk-based capital ratio | 14.3982% | 4,446 |
| Memoranda: | ||
| Average total assets | $42,006,800 | 6,798 |
| Average earning assets | $37,473,400 | 6,821 |
| Average equity | $3,493,000 | 7,137 |
| Average total loans | $29,106,400 | 6,441 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3894% | 423 |
| Cost of funding earning assets | 2.3058% | 265 |
| Net interest margin | 4.0836% | 2,693 |
| Noninterest income to average assets | 0.7579% | 2,465 |
| Noninterest expense to average assets | 4.1121% | 925 |
| Loan and lease loss provision to assets | 0.4071% | 3,460 |
| Net operating income to assets | -0.1221% | 6,208 |
| Return on assets (ROA) | -0.1221% | 6,297 |
| Pretax return on assets | -0.1284% | 6,257 |
| Return on Equity (ROE) | -1.4876% | 6,338 |
| Retained earnings to average equity (ytd only) | -1.4876% | 6,097 |
| Net charge-offs to loans | 0.3861% | 3,742 |
| Credit loss provision to net charge-offs | 154.7619% | 2,482 |
| Earnings coverage of net charge-offs (x) | 1.0595% | 4,996 |
| Efficiency ratio | 93.6519% | 1,021 |
| Assets per employee ($millions) | 2.2219% | 7,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4591% | 4,160 |
| Loan loss allowance to noncurrent loans | 26.1029% | 6,571 |
| Noncurrent assets plus other real estate owned to assets | 4.9317% | 1,316 |
| Noncurrent loans to loans | 5.5896% | 1,177 |
| Net loans and leases to total assets | 68.1503% | 3,174 |
| Net loans and leases to deposits | 80.7856% | 3,309 |
| Net loans and leases to core deposits | 82.8157% | 4,111 |
| Total domestic deposits to total assets | 84.3594% | 3,932 |
| Equity capital to assets | 8.3189% | 6,485 |
| Core capital (leverage) ratio | 8.0209% | 6,321 |
| Tier 1 risk-based capital ratio | 12.8960% | 4,659 |
| Total risk-based capital ratio | 14.1500% | 4,638 |
| Memoranda: | ||
| Average total assets | $42,572,750 | 6,863 |
| Average earning assets | $37,874,000 | 6,882 |
| Average equity | $3,495,500 | 7,228 |
| Average total loans | $29,007,750 | 6,531 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3600% | 444 |
| Cost of funding earning assets | 2.3804% | 251 |
| Net interest margin | 3.9796% | 3,119 |
| Noninterest income to average assets | 0.7870% | 2,187 |
| Noninterest expense to average assets | 4.0711% | 959 |
| Loan and lease loss provision to assets | 0.5388% | 2,629 |
| Net operating income to assets | -0.1968% | 6,356 |
| Return on assets (ROA) | -0.1968% | 6,404 |
| Pretax return on assets | -0.2905% | 6,421 |
| Return on Equity (ROE) | -2.4069% | 6,458 |
| Retained earnings to average equity (ytd only) | -2.4069% | 6,211 |
| Net charge-offs to loans | 0.4146% | 3,332 |
| Credit loss provision to net charge-offs | 191.6667% | 2,056 |
| Earnings coverage of net charge-offs (x) | 0.8833% | 4,886 |
| Efficiency ratio | 94.2516% | 1,055 |
| Assets per employee ($millions) | 2.3833% | 7,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4933% | 3,973 |
| Loan loss allowance to noncurrent loans | 26.8519% | 6,562 |
| Noncurrent assets plus other real estate owned to assets | 4.5921% | 1,430 |
| Noncurrent loans to loans | 5.5613% | 1,183 |
| Net loans and leases to total assets | 66.8881% | 3,640 |
| Net loans and leases to deposits | 83.6345% | 2,943 |
| Net loans and leases to core deposits | 85.8155% | 3,863 |
| Total domestic deposits to total assets | 79.9767% | 5,736 |
| Equity capital to assets | 8.1189% | 6,632 |
| Core capital (leverage) ratio | 7.9111% | 6,372 |
| Tier 1 risk-based capital ratio | 12.3711% | 4,974 |
| Total risk-based capital ratio | 13.6251% | 4,953 |
| Memoranda: | ||
| Average total assets | $42,691,330 | 6,915 |
| Average earning assets | $37,893,000 | 6,930 |
| Average equity | $3,490,000 | 7,265 |
| Average total loans | $28,944,670 | 6,585 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3824% | 452 |
| Cost of funding earning assets | 2.4638% | 250 |
| Net interest margin | 3.9187% | 3,243 |
| Noninterest income to average assets | 0.6950% | 2,632 |
| Noninterest expense to average assets | 4.2079% | 801 |
| Loan and lease loss provision to assets | 0.6387% | 1,985 |
| Net operating income to assets | -0.3783% | 6,743 |
| Return on assets (ROA) | -0.3663% | 6,776 |
| Pretax return on assets | -0.6669% | 6,884 |
| Return on Equity (ROE) | -4.4654% | 6,853 |
| Retained earnings to average equity (ytd only) | -4.4654% | 6,546 |
| Net charge-offs to loans | 0.7071% | 2,087 |
| Credit loss provision to net charge-offs | 133.3333% | 2,648 |
| Earnings coverage of net charge-offs (x) | -0.0980% | 5,099 |
| Efficiency ratio | 101.1287% | 804 |
| Assets per employee ($millions) | 2.3980% | 7,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3925% | 4,457 |
| Loan loss allowance to noncurrent loans | 22.2534% | 6,894 |
| Noncurrent assets plus other real estate owned to assets | 5.3957% | 1,155 |
| Noncurrent loans to loans | 6.2577% | 1,024 |
| Net loans and leases to total assets | 65.1283% | 4,078 |
| Net loans and leases to deposits | 81.4368% | 3,375 |
| Net loans and leases to core deposits | 85.0539% | 4,043 |
| Total domestic deposits to total assets | 79.9741% | 5,794 |
| Equity capital to assets | 8.0391% | 6,613 |
| Core capital (leverage) ratio | 8.0512% | 6,161 |
| Tier 1 risk-based capital ratio | 12.7074% | 4,551 |
| Total risk-based capital ratio | 13.9612% | 4,515 |
| Memoranda: | ||
| Average total assets | $42,587,000 | 6,994 |
| Average earning assets | $37,666,000 | 7,030 |
| Average equity | $3,493,500 | 7,346 |
| Average total loans | $28,852,000 | 6,666 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1541% | 224 |
| Cost of funding earning assets | 2.7659% | 493 |
| Net interest margin | 4.3882% | 1,472 |
| Noninterest income to average assets | 0.5906% | 3,697 |
| Noninterest expense to average assets | 4.0309% | 1,321 |
| Loan and lease loss provision to assets | 0.3644% | 4,611 |
| Net operating income to assets | 0.1206% | 5,145 |
| Return on assets (ROA) | 0.1206% | 5,202 |
| Pretax return on assets | 0.1583% | 5,090 |
| Return on Equity (ROE) | 1.3554% | 5,132 |
| Retained earnings to average equity (ytd only) | 0.4236% | 4,672 |
| Net charge-offs to loans | 0.3205% | 4,637 |
| Credit loss provision to net charge-offs | 152.6316% | 3,003 |
| Earnings coverage of net charge-offs (x) | 2.1895% | 4,084 |
| Efficiency ratio | 88.5210% | 1,836 |
| Assets per employee ($millions) | 2.3339% | 7,438 |
| Cash dividends to net income (ytd only)* | 68.7500% | 1,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3016% | 4,753 |
| Loan loss allowance to noncurrent loans | 31.4050% | 6,368 |
| Noncurrent assets plus other real estate owned to assets | 3.9276% | 1,683 |
| Noncurrent loans to loans | 4.1445% | 1,769 |
| Net loans and leases to total assets | 68.5908% | 3,573 |
| Net loans and leases to deposits | 86.3888% | 2,845 |
| Net loans and leases to core deposits | 96.3068% | 4,425 |
| Total domestic deposits to total assets | 79.3978% | 5,874 |
| Equity capital to assets | 8.3718% | 6,096 |
| Core capital (leverage) ratio | 8.1582% | 5,892 |
| Tier 1 risk-based capital ratio | 12.5104% | 4,515 |
| Total risk-based capital ratio | 13.7622% | 4,462 |
| Memoranda: | ||
| Average total assets | $39,792,200 | 7,100 |
| Average earning assets | $35,937,400 | 7,103 |
| Average equity | $3,541,400 | 7,432 |
| Average total loans | $29,641,800 | 6,646 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1806% | 231 |
| Cost of funding earning assets | 2.8213% | 566 |
| Net interest margin | 4.3592% | 1,564 |
| Noninterest income to average assets | 0.5675% | 3,945 |
| Noninterest expense to average assets | 4.0368% | 1,231 |
| Loan and lease loss provision to assets | 0.3568% | 4,186 |
| Net operating income to assets | 0.1597% | 5,284 |
| Return on assets (ROA) | 0.1733% | 5,310 |
| Pretax return on assets | 0.1461% | 5,428 |
| Return on Equity (ROE) | 1.9168% | 5,196 |
| Retained earnings to average equity (ytd only) | 1.3531% | 4,564 |
| Net charge-offs to loans | 0.2733% | 4,336 |
| Credit loss provision to net charge-offs | 172.1311% | 2,696 |
| Earnings coverage of net charge-offs (x) | 2.3608% | 4,052 |
| Efficiency ratio | 89.1892% | 1,766 |
| Assets per employee ($millions) | 2.3307% | 7,468 |
| Cash dividends to net income (ytd only)* | 29.4118% | 2,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2537% | 4,798 |
| Loan loss allowance to noncurrent loans | 27.3792% | 6,635 |
| Noncurrent assets plus other real estate owned to assets | 3.9520% | 1,633 |
| Noncurrent loans to loans | 4.5790% | 1,513 |
| Net loans and leases to total assets | 70.2167% | 3,460 |
| Net loans and leases to deposits | 89.0858% | 2,769 |
| Net loans and leases to core deposits | 100.2518% | 4,342 |
| Total domestic deposits to total assets | 78.8192% | 5,862 |
| Equity capital to assets | 8.4666% | 6,289 |
| Core capital (leverage) ratio | 8.4000% | 5,661 |
| Tier 1 risk-based capital ratio | 12.5938% | 4,475 |
| Total risk-based capital ratio | 13.8449% | 4,426 |
| Memoranda: | ||
| Average total assets | $39,237,750 | 7,190 |
| Average earning assets | $35,632,250 | 7,181 |
| Average equity | $3,547,500 | 7,495 |
| Average total loans | $29,753,500 | 6,694 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1113% | 263 |
| Cost of funding earning assets | 2.8720% | 654 |
| Net interest margin | 4.2393% | 1,849 |
| Noninterest income to average assets | 0.5113% | 4,346 |
| Noninterest expense to average assets | 3.8296% | 1,609 |
| Loan and lease loss provision to assets | 0.4852% | 3,105 |
| Net operating income to assets | 0.1513% | 5,416 |
| Return on assets (ROA) | 0.1774% | 5,432 |
| Pretax return on assets | 0.0887% | 5,702 |
| Return on Equity (ROE) | 1.9177% | 5,335 |
| Retained earnings to average equity (ytd only) | 1.9177% | 4,275 |
| Net charge-offs to loans | 0.1278% | 4,890 |
| Credit loss provision to net charge-offs | 489.4737% | 947 |
| Earnings coverage of net charge-offs (x) | 5.5263% | 2,815 |
| Efficiency ratio | 87.4851% | 2,076 |
| Assets per employee ($millions) | 2.2316% | 7,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3545% | 3,957 |
| Loan loss allowance to noncurrent loans | 35.7522% | 6,052 |
| Noncurrent assets plus other real estate owned to assets | 3.5177% | 1,767 |
| Noncurrent loans to loans | 3.7886% | 1,809 |
| Net loans and leases to total assets | 73.2474% | 2,897 |
| Net loans and leases to deposits | 94.0240% | 2,087 |
| Net loans and leases to core deposits | 106.8764% | 3,732 |
| Total domestic deposits to total assets | 77.9028% | 6,100 |
| Equity capital to assets | 8.8254% | 5,561 |
| Core capital (leverage) ratio | 8.7836% | 4,966 |
| Tier 1 risk-based capital ratio | 12.9428% | 4,189 |
| Total risk-based capital ratio | 14.1957% | 4,100 |
| Memoranda: | ||
| Average total assets | $38,332,670 | 7,282 |
| Average earning assets | $34,958,330 | 7,267 |
| Average equity | $3,546,000 | 7,558 |
| Average total loans | $29,727,330 | 6,752 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9854% | 352 |
| Cost of funding earning assets | 2.9067% | 757 |
| Net interest margin | 4.0787% | 2,365 |
| Noninterest income to average assets | 0.5666% | 3,781 |
| Noninterest expense to average assets | 4.0198% | 1,162 |
| Loan and lease loss provision to assets | 0.2780% | 3,731 |
| Net operating income to assets | 0.1604% | 5,785 |
| Return on assets (ROA) | 0.2138% | 5,777 |
| Pretax return on assets | 0.0428% | 6,291 |
| Return on Equity (ROE) | 2.2557% | 5,684 |
| Retained earnings to average equity (ytd only) | 2.2557% | 4,622 |
| Net charge-offs to loans | 0.0270% | 5,153 |
| Credit loss provision to net charge-offs | 1,300.0000% | 483 |
| Earnings coverage of net charge-offs (x) | 12.5000% | 1,797 |
| Efficiency ratio | 93.7656% | 1,446 |
| Assets per employee ($millions) | 2.5442% | 7,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1965% | 4,830 |
| Loan loss allowance to noncurrent loans | 24.8596% | 6,913 |
| Noncurrent assets plus other real estate owned to assets | 4.9341% | 921 |
| Noncurrent loans to loans | 4.8129% | 1,150 |
| Net loans and leases to total assets | 76.6004% | 2,142 |
| Net loans and leases to deposits | 99.6659% | 1,456 |
| Net loans and leases to core deposits | 111.3002% | 3,284 |
| Total domestic deposits to total assets | 76.8572% | 6,315 |
| Equity capital to assets | 9.2891% | 4,951 |
| Core capital (leverage) ratio | 9.2241% | 4,372 |
| Tier 1 risk-based capital ratio | 12.8892% | 4,262 |
| Total risk-based capital ratio | 14.1382% | 4,186 |
| Memoranda: | ||
| Average total assets | $37,415,000 | 7,353 |
| Average earning assets | $34,128,500 | 7,347 |
| Average equity | $3,546,500 | 7,609 |
| Average total loans | $29,678,000 | 6,789 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6332% | 321 |
| Cost of funding earning assets | 2.9881% | 1,906 |
| Net interest margin | 4.6451% | 1,061 |
| Noninterest income to average assets | 0.4644% | 4,931 |
| Noninterest expense to average assets | 4.1076% | 1,264 |
| Loan and lease loss provision to assets | 0.5704% | 2,543 |
| Net operating income to assets | 0.0148% | 6,328 |
| Return on assets (ROA) | 0.0258% | 6,148 |
| Pretax return on assets | 0.0946% | 5,955 |
| Return on Equity (ROE) | 0.2516% | 6,152 |
| Retained earnings to average equity (ytd only) | -1.5098% | 5,741 |
| Net charge-offs to loans | 0.8540% | 1,471 |
| Credit loss provision to net charge-offs | 80.8943% | 5,881 |
| Earnings coverage of net charge-offs (x) | 0.9187% | 5,675 |
| Efficiency ratio | 86.3773% | 1,819 |
| Assets per employee ($millions) | 2.0371% | 7,887 |
| Cash dividends to net income (ytd only)* | 700.0000% | 57 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1085% | 5,209 |
| Loan loss allowance to noncurrent loans | 33.1658% | 6,508 |
| Noncurrent assets plus other real estate owned to assets | 3.5045% | 1,270 |
| Noncurrent loans to loans | 3.3424% | 1,546 |
| Net loans and leases to total assets | 80.2875% | 1,595 |
| Net loans and leases to deposits | 105.7929% | 1,142 |
| Net loans and leases to core deposits | 118.8782% | 2,801 |
| Total domestic deposits to total assets | 75.8911% | 6,272 |
| Equity capital to assets | 9.6763% | 4,456 |
| Core capital (leverage) ratio | 9.4433% | 4,101 |
| Tier 1 risk-based capital ratio | 12.9963% | 4,113 |
| Total risk-based capital ratio | 14.2441% | 4,028 |
| Memoranda: | ||
| Average total assets | $34,886,800 | 7,427 |
| Average earning assets | $32,227,800 | 7,397 |
| Average equity | $3,576,600 | 7,652 |
| Average total loans | $28,806,800 | 6,781 |