Home > AllNations Bank > Performance and Condition Ratios
AllNations Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6399% | 305 |
| Cost of funding earning assets | 1.2402% | 2,691 |
| Net interest margin | 5.3997% | 210 |
| Noninterest income to average assets | 0.2800% | 3,252 |
| Noninterest expense to average assets | 3.5469% | 547 |
| Loan and lease loss provision to assets | 0.4700% | 196 |
| Net operating income to assets | 0.9496% | 2,366 |
| Return on assets (ROA) | 0.9876% | 2,241 |
| Pretax return on assets | 1.3238% | 1,810 |
| Return on Equity (ROE) | 10.8800% | 2,259 |
| Retained earnings to average equity (ytd only) | 10.8848% | 816 |
| Net charge-offs to loans | 0.3881% | 268 |
| Credit loss provision to net charge-offs | 205.3571% | 1,208 |
| Earnings coverage of net charge-offs (x) | 8.1161% | 2,362 |
| Efficiency ratio | 67.0054% | 2,230 |
| Assets per employee ($millions) | 4.9391% | 3,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0297% | 357 |
| Loan loss allowance to noncurrent loans | 38.3099% | 3,687 |
| Noncurrent assets plus other real estate owned to assets | 3.2671% | 60 |
| Noncurrent loans to loans | 5.2982% | 42 |
| Net loans and leases to total assets | 60.4100% | 2,811 |
| Net loans and leases to deposits | 67.0946% | 3,098 |
| Net loans and leases to core deposits | 73.8403% | 3,082 |
| Total domestic deposits to total assets | 90.0400% | 748 |
| Equity capital to assets | 9.3429% | 2,464 |
| Core capital (leverage) ratio | 9.7842% | 2,981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5302% | 1,174 |
| Memoranda: | ||
| Average total assets | $52,045,600 | 4,301 |
| Average earning assets | $48,298,600 | 4,270 |
| Average equity | $4,722,200 | 4,284 |
| Average total loans | $28,858,200 | 4,157 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1,591.0000% | 36 |
| Cost of funding earning assets | 200.0000% | 17 |
| Net interest margin | 0.0000% | 4,578 |
| Noninterest income to average assets | 0.0000% | 4,562 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0000% | 4,375 |
| Return on assets (ROA) | 1.1034% | 2,027 |
| Pretax return on assets | 1.4842% | 1,590 |
| Return on Equity (ROE) | 12.2600% | 2,063 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 3.0000% | 2,048 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 0.0000% | 4,602 |
| Assets per employee ($millions) | 0.1021% | 4,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 30.0000% | 2 |
| Noncurrent loans to loans | 0.0051% | 3,775 |
| Net loans and leases to total assets | 0.0000% | 4,500 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0000% | 4,490 |
| Total domestic deposits to total assets | 2.0000% | 4,557 |
| Equity capital to assets | 22,464.0000% | 18 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $513,000 | 4,632 |
| Average earning assets | $9,884 | 4,588 |
| Average equity | $0 | 4,568 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 947.0000% | 40 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 33.0000% | 41 |
| Cost of funding earning assets | 0.0000% | 4,571 |
| Net interest margin | 0.0000% | 4,613 |
| Noninterest income to average assets | 0.0000% | 4,595 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0000% | 4,418 |
| Return on assets (ROA) | 1.2376% | 1,720 |
| Pretax return on assets | 1.6815% | 1,254 |
| Return on Equity (ROE) | 13.7600% | 1,732 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 2.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 2,237 |
| Efficiency ratio | 0.0000% | 4,631 |
| Assets per employee ($millions) | 0.0915% | 4,616 |
| Cash dividends to net income (ytd only)* | 1.7915% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| 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 | 0.0052% | 3,770 |
| Net loans and leases to total assets | 0.0000% | 4,533 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0080% | 4,524 |
| Total domestic deposits to total assets | 2.0000% | 4,583 |
| Equity capital to assets | 22,388.0000% | 22 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $301,000 | 4,662 |
| Average earning assets | $10,421 | 4,609 |
| Average equity | $0 | 4,598 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8076% | 133 |
| Cost of funding earning assets | 0.6479% | 3,228 |
| Net interest margin | 6.1597% | 86 |
| Noninterest income to average assets | 0.3400% | 2,789 |
| Noninterest expense to average assets | 3.4288% | 585 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.9981% | 497 |
| Return on assets (ROA) | 2.1401% | 401 |
| Pretax return on assets | 2.8039% | 248 |
| Return on Equity (ROE) | 24.2300% | 444 |
| Retained earnings to average equity (ytd only) | 24.2290% | 204 |
| Net charge-offs to loans | -5.6289% | 4,692 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 56.6452% | 3,338 |
| Assets per employee ($millions) | 5.0943% | 3,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5360% | 86 |
| Loan loss allowance to noncurrent loans | 106.0710% | 3,303 |
| Noncurrent assets plus other real estate owned to assets | 1.7137% | 169 |
| Noncurrent loans to loans | 3.3336% | 125 |
| Net loans and leases to total assets | 49.5900% | 3,527 |
| Net loans and leases to deposits | 54.6868% | 3,640 |
| Net loans and leases to core deposits | 54.6868% | 3,805 |
| Total domestic deposits to total assets | 90.6800% | 922 |
| Equity capital to assets | 9.2201% | 2,349 |
| Core capital (leverage) ratio | 10.0678% | 2,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0504% | 840 |
| Memoranda: | ||
| Average total assets | $51,213,500 | 4,404 |
| Average earning assets | $47,535,000 | 4,378 |
| Average equity | $4,523,500 | 4,399 |
| Average total loans | $26,932,500 | 4,267 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1878% | 1,273 |
| Cost of funding earning assets | 0.2675% | 3,179 |
| Net interest margin | 3.9203% | 914 |
| Noninterest income to average assets | 0.2400% | 3,705 |
| Noninterest expense to average assets | 3.3392% | 594 |
| Loan and lease loss provision to assets | -0.0800% | 4,486 |
| Net operating income to assets | 0.5028% | 4,085 |
| Return on assets (ROA) | 0.5295% | 3,994 |
| Pretax return on assets | 0.6480% | 3,948 |
| Return on Equity (ROE) | 6.3600% | 3,758 |
| Retained earnings to average equity (ytd only) | 6.3593% | 2,508 |
| Net charge-offs to loans | -0.0498% | 4,350 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 86.1015% | 417 |
| Assets per employee ($millions) | 5.1484% | 3,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0306% | 410 |
| Loan loss allowance to noncurrent loans | 23.7733% | 3,847 |
| Noncurrent assets plus other real estate owned to assets | 4.5917% | 21 |
| Noncurrent loans to loans | 8.5414% | 19 |
| Net loans and leases to total assets | 52.6700% | 3,311 |
| Net loans and leases to deposits | 57.5543% | 3,484 |
| Net loans and leases to core deposits | 57.5543% | 3,640 |
| Total domestic deposits to total assets | 91.5100% | 780 |
| Equity capital to assets | 8.4492% | 2,738 |
| Core capital (leverage) ratio | 9.2229% | 3,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1013% | 1,111 |
| Memoranda: | ||
| Average total assets | $52,317,200 | 4,419 |
| Average earning assets | $48,593,400 | 4,390 |
| Average equity | $4,355,800 | 4,496 |
| Average total loans | $26,087,600 | 4,303 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6380% | 2,232 |
| Cost of funding earning assets | 0.2077% | 3,181 |
| Net interest margin | 3.4303% | 1,865 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 3.2593% | 628 |
| Loan and lease loss provision to assets | -0.1000% | 4,581 |
| Net operating income to assets | 0.2449% | 4,434 |
| Return on assets (ROA) | 0.2589% | 4,389 |
| Pretax return on assets | 0.2818% | 4,394 |
| Return on Equity (ROE) | 3.1200% | 4,283 |
| Retained earnings to average equity (ytd only) | 3.1212% | 3,744 |
| Net charge-offs to loans | -0.1194% | 4,533 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 95.1816% | 211 |
| Assets per employee ($millions) | 5.3128% | 3,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1922% | 349 |
| Loan loss allowance to noncurrent loans | 22.9811% | 3,923 |
| Noncurrent assets plus other real estate owned to assets | 4.6849% | 20 |
| Noncurrent loans to loans | 9.5390% | 17 |
| Net loans and leases to total assets | 48.0400% | 3,624 |
| Net loans and leases to deposits | 52.0815% | 3,723 |
| Net loans and leases to core deposits | 52.0815% | 3,852 |
| Total domestic deposits to total assets | 92.2300% | 802 |
| Equity capital to assets | 7.7229% | 3,073 |
| Core capital (leverage) ratio | 8.8762% | 3,730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9486% | 1,188 |
| Memoranda: | ||
| Average total assets | $52,525,500 | 4,449 |
| Average earning assets | $48,780,250 | 4,418 |
| Average equity | $4,357,250 | 4,536 |
| Average total loans | $25,690,250 | 4,343 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4805% | 2,193 |
| Cost of funding earning assets | 0.1320% | 3,815 |
| Net interest margin | 3.3486% | 1,765 |
| Noninterest income to average assets | 0.2714% | 3,545 |
| Noninterest expense to average assets | 3.2069% | 620 |
| Loan and lease loss provision to assets | -0.1529% | 4,652 |
| Net operating income to assets | 0.3065% | 4,277 |
| Return on assets (ROA) | 0.3211% | 4,202 |
| Pretax return on assets | 0.3364% | 4,246 |
| Return on Equity (ROE) | 3.7821% | 4,076 |
| Retained earnings to average equity (ytd only) | 3.7821% | 3,170 |
| Net charge-offs to loans | -0.1800% | 4,576 |
| Credit loss provision to net charge-offs | 173.9130% | 1,035 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0170% | 263 |
| Assets per employee ($millions) | 5.3775% | 3,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0962% | 453 |
| Loan loss allowance to noncurrent loans | 42.2452% | 3,865 |
| Noncurrent assets plus other real estate owned to assets | 2.5179% | 85 |
| Noncurrent loans to loans | 4.9619% | 62 |
| Net loans and leases to total assets | 49.6811% | 3,402 |
| Net loans and leases to deposits | 53.9521% | 3,536 |
| Net loans and leases to core deposits | 53.9521% | 3,698 |
| Total domestic deposits to total assets | 92.0837% | 806 |
| Equity capital to assets | 7.8624% | 3,228 |
| Core capital (leverage) ratio | 8.6206% | 3,835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7051% | 1,253 |
| Memoranda: | ||
| Average total assets | $52,324,667 | 4,486 |
| Average earning assets | $48,498,333 | 4,475 |
| Average equity | $4,442,000 | 4,574 |
| Average total loans | $25,556,000 | 4,401 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6012% | 1,503 |
| Cost of funding earning assets | 0.1005% | 4,131 |
| Net interest margin | 3.5007% | 1,090 |
| Noninterest income to average assets | 0.2016% | 3,955 |
| Noninterest expense to average assets | 3.1861% | 614 |
| Loan and lease loss provision to assets | -0.3101% | 4,730 |
| Net operating income to assets | 0.5439% | 3,584 |
| Return on assets (ROA) | 0.5736% | 3,458 |
| Pretax return on assets | 0.5969% | 3,642 |
| Return on Equity (ROE) | 6.5069% | 3,192 |
| Retained earnings to average equity (ytd only) | 6.5069% | 2,072 |
| Net charge-offs to loans | -0.3726% | 4,689 |
| Credit loss provision to net charge-offs | 173.9130% | 819 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5676% | 441 |
| Assets per employee ($millions) | 5.3671% | 3,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2730% | 390 |
| Loan loss allowance to noncurrent loans | 26.5799% | 3,994 |
| Noncurrent assets plus other real estate owned to assets | 4.3841% | 28 |
| Noncurrent loans to loans | 8.5516% | 22 |
| Net loans and leases to total assets | 45.8218% | 3,599 |
| Net loans and leases to deposits | 49.9817% | 3,731 |
| Net loans and leases to core deposits | 49.9817% | 3,873 |
| Total domestic deposits to total assets | 91.6771% | 710 |
| Equity capital to assets | 8.2540% | 3,361 |
| Core capital (leverage) ratio | 9.0245% | 3,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6323% | 948 |
| Memoranda: | ||
| Average total assets | $51,599,500 | 4,521 |
| Average earning assets | $47,761,500 | 4,505 |
| Average equity | $4,549,000 | 4,608 |
| Average total loans | $24,690,000 | 4,430 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2895% | 3,243 |
| Cost of funding earning assets | 0.0715% | 4,585 |
| Net interest margin | 3.2180% | 2,563 |
| Noninterest income to average assets | 0.2229% | 4,038 |
| Noninterest expense to average assets | 3.8747% | 326 |
| Loan and lease loss provision to assets | 0.0510% | 2,042 |
| Net operating income to assets | -0.5393% | 4,768 |
| Return on assets (ROA) | -0.4437% | 4,761 |
| Pretax return on assets | -0.6199% | 4,772 |
| Return on Equity (ROE) | -4.3043% | 4,770 |
| Retained earnings to average equity (ytd only) | -4.3043% | 4,693 |
| Net charge-offs to loans | 0.7233% | 105 |
| Credit loss provision to net charge-offs | 14.0351% | 2,292 |
| Earnings coverage of net charge-offs (x) | -1.9006% | 2,664 |
| Efficiency ratio | 121.6667% | 63 |
| Assets per employee ($millions) | 4.9528% | 3,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4324% | 306 |
| Loan loss allowance to noncurrent loans | 32.6859% | 4,016 |
| Noncurrent assets plus other real estate owned to assets | 3.6383% | 51 |
| Noncurrent loans to loans | 7.4417% | 30 |
| Net loans and leases to total assets | 47.7023% | 3,519 |
| Net loans and leases to deposits | 52.7048% | 3,688 |
| Net loans and leases to core deposits | 52.7048% | 3,845 |
| Total domestic deposits to total assets | 90.5084% | 712 |
| Equity capital to assets | 9.4250% | 3,206 |
| Core capital (leverage) ratio | 9.3071% | 3,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $47,100,600 | 4,591 |
| Average earning assets | $43,349,400 | 4,576 |
| Average equity | $4,855,600 | 4,644 |
| Average total loans | $23,641,400 | 4,502 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4216% | 3,041 |
| Cost of funding earning assets | 0.0749% | 4,664 |
| Net interest margin | 3.3468% | 2,300 |
| Noninterest income to average assets | 0.2036% | 4,180 |
| Noninterest expense to average assets | 3.9316% | 298 |
| Loan and lease loss provision to assets | 0.0688% | 1,630 |
| Net operating income to assets | -0.5430% | 4,833 |
| Return on assets (ROA) | -0.4388% | 4,829 |
| Pretax return on assets | -0.5879% | 4,839 |
| Return on Equity (ROE) | -4.1610% | 4,834 |
| Retained earnings to average equity (ytd only) | -4.1610% | 4,770 |
| Net charge-offs to loans | 0.8795% | 78 |
| Credit loss provision to net charge-offs | 15.4839% | 2,008 |
| Earnings coverage of net charge-offs (x) | -1.4645% | 2,422 |
| Efficiency ratio | 119.8427% | 73 |
| Assets per employee ($millions) | 4.4759% | 4,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4751% | 299 |
| Loan loss allowance to noncurrent loans | 32.4933% | 4,108 |
| Noncurrent assets plus other real estate owned to assets | 3.7880% | 52 |
| Noncurrent loans to loans | 7.6172% | 34 |
| Net loans and leases to total assets | 48.4980% | 3,574 |
| Net loans and leases to deposits | 53.7805% | 3,756 |
| Net loans and leases to core deposits | 53.7805% | 3,932 |
| Total domestic deposits to total assets | 90.1777% | 693 |
| Equity capital to assets | 9.7674% | 3,135 |
| Core capital (leverage) ratio | 9.4124% | 3,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $46,493,750 | 4,663 |
| Average earning assets | $42,746,750 | 4,646 |
| Average equity | $4,902,500 | 4,709 |
| Average total loans | $23,498,000 | 4,562 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5194% | 2,833 |
| Cost of funding earning assets | 0.0766% | 4,712 |
| Net interest margin | 3.4428% | 2,028 |
| Noninterest income to average assets | 0.2369% | 3,987 |
| Noninterest expense to average assets | 4.1685% | 256 |
| Loan and lease loss provision to assets | 0.1053% | 1,190 |
| Net operating income to assets | -0.6465% | 4,880 |
| Return on assets (ROA) | -0.4871% | 4,869 |
| Pretax return on assets | -0.6801% | 4,880 |
| Return on Equity (ROE) | -4.4997% | 4,874 |
| Retained earnings to average equity (ytd only) | -4.4997% | 4,775 |
| Net charge-offs to loans | 1.1912% | 60 |
| Credit loss provision to net charge-offs | 17.3913% | 1,745 |
| Earnings coverage of net charge-offs (x) | -1.2826% | 2,209 |
| Efficiency ratio | 122.8978% | 71 |
| Assets per employee ($millions) | 4.0205% | 4,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6794% | 219 |
| Loan loss allowance to noncurrent loans | 26.0268% | 4,188 |
| Noncurrent assets plus other real estate owned to assets | 4.9455% | 35 |
| Noncurrent loans to loans | 10.2947% | 19 |
| Net loans and leases to total assets | 46.7521% | 3,848 |
| Net loans and leases to deposits | 52.0023% | 3,997 |
| Net loans and leases to core deposits | 52.0023% | 4,133 |
| Total domestic deposits to total assets | 89.9038% | 824 |
| Equity capital to assets | 10.0319% | 2,823 |
| Core capital (leverage) ratio | 9.8447% | 2,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $45,580,000 | 4,699 |
| Average earning assets | $41,768,667 | 4,692 |
| Average equity | $4,933,667 | 4,735 |
| Average total loans | $23,169,333 | 4,606 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6935% | 2,374 |
| Cost of funding earning assets | 0.0786% | 4,753 |
| Net interest margin | 3.6149% | 1,545 |
| Noninterest income to average assets | 0.3074% | 3,569 |
| Noninterest expense to average assets | 4.0681% | 270 |
| Loan and lease loss provision to assets | 0.1085% | 1,274 |
| Net operating income to assets | -0.4188% | 4,875 |
| Return on assets (ROA) | -0.2260% | 4,851 |
| Pretax return on assets | -0.2983% | 4,854 |
| Return on Equity (ROE) | -2.0078% | 4,857 |
| Retained earnings to average equity (ytd only) | -2.0078% | 4,538 |
| Net charge-offs to loans | 0.7770% | 100 |
| Credit loss provision to net charge-offs | 26.6667% | 1,394 |
| Earnings coverage of net charge-offs (x) | -1.0667% | 1,901 |
| Efficiency ratio | 111.9403% | 101 |
| Assets per employee ($millions) | 3.8939% | 4,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0229% | 144 |
| Loan loss allowance to noncurrent loans | 29.1097% | 4,224 |
| Noncurrent assets plus other real estate owned to assets | 5.3181% | 32 |
| Noncurrent loans to loans | 10.3844% | 22 |
| Net loans and leases to total assets | 48.2655% | 3,785 |
| Net loans and leases to deposits | 54.0580% | 3,933 |
| Net loans and leases to core deposits | 54.0580% | 4,091 |
| Total domestic deposits to total assets | 89.2846% | 1,177 |
| Equity capital to assets | 10.5892% | 2,181 |
| Core capital (leverage) ratio | 10.5352% | 2,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,247,000 | 4,736 |
| Average earning assets | $40,720,500 | 4,725 |
| Average equity | $4,980,500 | 4,746 |
| Average total loans | $23,165,500 | 4,632 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1791% | 2,203 |
| Cost of funding earning assets | 0.1519% | 4,723 |
| Net interest margin | 4.0272% | 924 |
| Noninterest income to average assets | 0.2801% | 3,803 |
| Noninterest expense to average assets | 4.4384% | 264 |
| Loan and lease loss provision to assets | 0.2277% | 1,712 |
| Net operating income to assets | -0.5897% | 4,893 |
| Return on assets (ROA) | -0.2892% | 4,852 |
| Pretax return on assets | -0.3826% | 4,861 |
| Return on Equity (ROE) | -2.5624% | 4,858 |
| Retained earnings to average equity (ytd only) | -2.5624% | 4,741 |
| Net charge-offs to loans | 1.5023% | 69 |
| Credit loss provision to net charge-offs | 29.4985% | 3,218 |
| Earnings coverage of net charge-offs (x) | -0.6932% | 3,347 |
| Efficiency ratio | 113.7106% | 103 |
| Assets per employee ($millions) | 3.4806% | 4,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1896% | 122 |
| Loan loss allowance to noncurrent loans | 30.1639% | 4,276 |
| Noncurrent assets plus other real estate owned to assets | 6.0095% | 35 |
| Noncurrent loans to loans | 10.5742% | 22 |
| Net loans and leases to total assets | 53.4848% | 3,535 |
| Net loans and leases to deposits | 60.8875% | 3,688 |
| Net loans and leases to core deposits | 60.8875% | 3,895 |
| Total domestic deposits to total assets | 87.8421% | 1,555 |
| Equity capital to assets | 12.0023% | 1,566 |
| Core capital (leverage) ratio | 11.1821% | 1,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $43,911,800 | 4,721 |
| Average earning assets | $39,506,000 | 4,723 |
| Average equity | $4,956,200 | 4,761 |
| Average total loans | $22,564,800 | 4,667 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9859% | 3,013 |
| Cost of funding earning assets | 0.1742% | 4,743 |
| Net interest margin | 3.8117% | 1,587 |
| Noninterest income to average assets | 0.2010% | 4,270 |
| Noninterest expense to average assets | 4.2116% | 321 |
| Loan and lease loss provision to assets | 0.2992% | 1,347 |
| Net operating income to assets | -0.6910% | 4,915 |
| Return on assets (ROA) | -0.3000% | 4,868 |
| Pretax return on assets | -0.4020% | 4,880 |
| Return on Equity (ROE) | -2.6979% | 4,876 |
| Retained earnings to average equity (ytd only) | -2.6979% | 4,754 |
| Net charge-offs to loans | 1.8956% | 53 |
| Credit loss provision to net charge-offs | 31.3480% | 2,949 |
| Earnings coverage of net charge-offs (x) | -0.6238% | 3,152 |
| Efficiency ratio | 116.5145% | 87 |
| Assets per employee ($millions) | 3.6246% | 4,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6251% | 81 |
| Loan loss allowance to noncurrent loans | 23.8726% | 4,380 |
| Noncurrent assets plus other real estate owned to assets | 9.8172% | 11 |
| Noncurrent loans to loans | 15.1853% | 16 |
| Net loans and leases to total assets | 46.2697% | 4,301 |
| Net loans and leases to deposits | 52.4143% | 4,395 |
| Net loans and leases to core deposits | 52.4143% | 4,509 |
| Total domestic deposits to total assets | 88.2768% | 1,072 |
| Equity capital to assets | 11.6036% | 1,936 |
| Core capital (leverage) ratio | 10.8024% | 2,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,448,000 | 4,736 |
| Average earning assets | $39,806,250 | 4,742 |
| Average equity | $4,942,000 | 4,787 |
| Average total loans | $22,437,250 | 4,698 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7415% | 4,000 |
| Cost of funding earning assets | 0.2192% | 4,710 |
| Net interest margin | 3.5223% | 2,719 |
| Noninterest income to average assets | 0.2145% | 4,202 |
| Noninterest expense to average assets | 4.1594% | 341 |
| Loan and lease loss provision to assets | 0.4468% | 860 |
| Net operating income to assets | -0.9288% | 4,959 |
| Return on assets (ROA) | -0.8935% | 4,952 |
| Pretax return on assets | -1.1884% | 4,964 |
| Return on Equity (ROE) | -8.1516% | 4,970 |
| Retained earnings to average equity (ytd only) | -8.1516% | 4,886 |
| Net charge-offs to loans | -0.0784% | 4,801 |
| Credit loss provision to net charge-offs | -1,111.1111% | 3,772 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.3113% | 80 |
| Assets per employee ($millions) | 3.8828% | 4,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9362% | 40 |
| Loan loss allowance to noncurrent loans | 25.2740% | 4,417 |
| Noncurrent assets plus other real estate owned to assets | 9.2052% | 18 |
| Noncurrent loans to loans | 19.5310% | 8 |
| Net loans and leases to total assets | 44.8050% | 4,413 |
| Net loans and leases to deposits | 50.1682% | 4,527 |
| Net loans and leases to core deposits | 50.1682% | 4,617 |
| Total domestic deposits to total assets | 89.3096% | 644 |
| Equity capital to assets | 10.5896% | 2,675 |
| Core capital (leverage) ratio | 10.3073% | 2,523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,765,667 | 4,757 |
| Average earning assets | $40,144,667 | 4,760 |
| Average equity | $4,907,000 | 4,816 |
| Average total loans | $22,955,667 | 4,711 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8815% | 4,071 |
| Cost of funding earning assets | 0.2343% | 4,807 |
| Net interest margin | 3.6472% | 2,522 |
| Noninterest income to average assets | 0.2280% | 4,185 |
| Noninterest expense to average assets | 3.9405% | 538 |
| Loan and lease loss provision to assets | 0.9122% | 253 |
| Net operating income to assets | -1.0087% | 4,991 |
| Return on assets (ROA) | -0.9943% | 4,971 |
| Pretax return on assets | -1.3409% | 4,985 |
| Return on Equity (ROE) | -8.9098% | 4,985 |
| Retained earnings to average equity (ytd only) | -8.9098% | 4,724 |
| Net charge-offs to loans | 0.0341% | 1,722 |
| Credit loss provision to net charge-offs | 5,000.0000% | 154 |
| Earnings coverage of net charge-offs (x) | -24.5000% | 2,546 |
| Efficiency ratio | 112.7937% | 138 |
| Assets per employee ($millions) | 3.6965% | 4,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4087% | 57 |
| Loan loss allowance to noncurrent loans | 18.7456% | 4,520 |
| Noncurrent assets plus other real estate owned to assets | 12.9041% | 9 |
| Noncurrent loans to loans | 23.5188% | 5 |
| Net loans and leases to total assets | 52.4483% | 4,092 |
| Net loans and leases to deposits | 58.9719% | 4,250 |
| Net loans and leases to core deposits | 58.9719% | 4,399 |
| Total domestic deposits to total assets | 88.9377% | 689 |
| Equity capital to assets | 10.9180% | 2,925 |
| Core capital (leverage) ratio | 10.4276% | 3,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $43,852,000 | 4,801 |
| Average earning assets | $39,263,000 | 4,798 |
| Average equity | $4,893,500 | 4,851 |
| Average total loans | $23,453,500 | 4,733 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9605% | 4,333 |
| Cost of funding earning assets | 0.2424% | 4,868 |
| Net interest margin | 3.7180% | 2,757 |
| Noninterest income to average assets | 0.2184% | 4,358 |
| Noninterest expense to average assets | 6.0260% | 140 |
| Loan and lease loss provision to assets | 1.7881% | 51 |
| Net operating income to assets | -3.5826% | 5,155 |
| Return on assets (ROA) | -3.5826% | 5,155 |
| Pretax return on assets | -4.2786% | 5,159 |
| Return on Equity (ROE) | -28.8966% | 5,163 |
| Retained earnings to average equity (ytd only) | -28.8966% | 5,156 |
| Net charge-offs to loans | 2.8303% | 39 |
| Credit loss provision to net charge-offs | 118.6080% | 2,136 |
| Earnings coverage of net charge-offs (x) | -1.6520% | 3,661 |
| Efficiency ratio | 115.8086% | 87 |
| Assets per employee ($millions) | 3.9405% | 3,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3201% | 50 |
| Loan loss allowance to noncurrent loans | 17.1806% | 4,551 |
| Noncurrent assets plus other real estate owned to assets | 13.0923% | 8 |
| Noncurrent loans to loans | 25.1451% | 1 |
| Net loans and leases to total assets | 49.8177% | 4,333 |
| Net loans and leases to deposits | 56.3312% | 4,443 |
| Net loans and leases to core deposits | 56.3312% | 4,568 |
| Total domestic deposits to total assets | 88.4372% | 921 |
| Equity capital to assets | 11.4059% | 2,614 |
| Core capital (leverage) ratio | 11.0273% | 2,481 |
| Tier 1 risk-based capital ratio | 19.7452% | 1,360 |
| Total risk-based capital ratio | 21.0272% | 1,328 |
| Memoranda: | ||
| Average total assets | $46,698,000 | 4,803 |
| Average earning assets | $41,661,800 | 4,819 |
| Average equity | $5,789,600 | 4,787 |
| Average total loans | $24,873,400 | 4,752 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8618% | 4,589 |
| Cost of funding earning assets | 0.2396% | 4,951 |
| Net interest margin | 3.6222% | 3,189 |
| Noninterest income to average assets | 0.2300% | 4,357 |
| Noninterest expense to average assets | 3.8678% | 611 |
| Loan and lease loss provision to assets | 2.3420% | 37 |
| Net operating income to assets | -2.1906% | 5,211 |
| Return on assets (ROA) | -2.1906% | 5,211 |
| Pretax return on assets | -2.7572% | 5,220 |
| Return on Equity (ROE) | -17.3523% | 5,224 |
| Retained earnings to average equity (ytd only) | -17.3523% | 5,199 |
| Net charge-offs to loans | 1.2364% | 116 |
| Credit loss provision to net charge-offs | 353.8136% | 852 |
| Earnings coverage of net charge-offs (x) | -0.6271% | 3,390 |
| Efficiency ratio | 112.0227% | 99 |
| Assets per employee ($millions) | 4.0901% | 3,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9965% | 23 |
| Loan loss allowance to noncurrent loans | 20.9860% | 4,612 |
| Noncurrent assets plus other real estate owned to assets | 15.2831% | 7 |
| Noncurrent loans to loans | 28.5738% | 1 |
| Net loans and leases to total assets | 50.2789% | 4,415 |
| Net loans and leases to deposits | 57.8128% | 4,480 |
| Net loans and leases to core deposits | 57.8128% | 4,618 |
| Total domestic deposits to total assets | 86.9685% | 1,538 |
| Equity capital to assets | 12.9470% | 1,657 |
| Core capital (leverage) ratio | 10.8781% | 2,761 |
| Tier 1 risk-based capital ratio | 18.5031% | 1,685 |
| Total risk-based capital ratio | 19.8049% | 1,642 |
| Memoranda: | ||
| Average total assets | $47,536,000 | 4,857 |
| Average earning assets | $42,293,500 | 4,879 |
| Average equity | $6,001,000 | 4,819 |
| Average total loans | $25,449,500 | 4,810 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8856% | 4,579 |
| Cost of funding earning assets | 0.2426% | 4,974 |
| Net interest margin | 3.6430% | 3,121 |
| Noninterest income to average assets | 0.2315% | 4,365 |
| Noninterest expense to average assets | 3.8112% | 654 |
| Loan and lease loss provision to assets | 2.6248% | 30 |
| Net operating income to assets | -2.5463% | 5,266 |
| Return on assets (ROA) | -2.5463% | 5,266 |
| Pretax return on assets | -2.9762% | 5,273 |
| Return on Equity (ROE) | -20.3311% | 5,280 |
| Retained earnings to average equity (ytd only) | -20.3311% | 5,252 |
| Net charge-offs to loans | 1.8370% | 61 |
| Credit loss provision to net charge-offs | 266.8067% | 970 |
| Earnings coverage of net charge-offs (x) | -0.3571% | 3,112 |
| Efficiency ratio | 110.1553% | 99 |
| Assets per employee ($millions) | 4.3236% | 3,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9674% | 34 |
| Loan loss allowance to noncurrent loans | 19.5433% | 4,670 |
| Noncurrent assets plus other real estate owned to assets | 13.3516% | 9 |
| Noncurrent loans to loans | 25.4173% | 1 |
| Net loans and leases to total assets | 49.9201% | 4,472 |
| Net loans and leases to deposits | 57.1504% | 4,551 |
| Net loans and leases to core deposits | 57.1504% | 4,672 |
| Total domestic deposits to total assets | 87.3486% | 1,409 |
| Equity capital to assets | 12.5673% | 1,822 |
| Core capital (leverage) ratio | 10.6687% | 2,916 |
| Tier 1 risk-based capital ratio | 18.4538% | 1,685 |
| Total risk-based capital ratio | 19.7435% | 1,635 |
| Memoranda: | ||
| Average total assets | $48,384,330 | 4,881 |
| Average earning assets | $42,876,330 | 4,912 |
| Average equity | $6,059,670 | 4,846 |
| Average total loans | $25,911,330 | 4,834 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4365% | 3,094 |
| Cost of funding earning assets | 0.2413% | 5,010 |
| Net interest margin | 4.1952% | 1,313 |
| Noninterest income to average assets | 0.1552% | 4,814 |
| Noninterest expense to average assets | 3.9939% | 547 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4901% | 4,550 |
| Return on assets (ROA) | 0.4901% | 4,570 |
| Pretax return on assets | -0.1470% | 5,183 |
| Return on Equity (ROE) | 3.8223% | 4,613 |
| Retained earnings to average equity (ytd only) | 3.8223% | 3,392 |
| Net charge-offs to loans | -0.1820% | 5,161 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.8217% | 138 |
| Assets per employee ($millions) | 4.2190% | 3,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2633% | 103 |
| Loan loss allowance to noncurrent loans | 23.4328% | 4,700 |
| Noncurrent assets plus other real estate owned to assets | 7.2154% | 33 |
| Noncurrent loans to loans | 13.9263% | 11 |
| Net loans and leases to total assets | 50.1205% | 4,462 |
| Net loans and leases to deposits | 57.3693% | 4,531 |
| Net loans and leases to core deposits | 57.3693% | 4,660 |
| Total domestic deposits to total assets | 87.3647% | 1,630 |
| Equity capital to assets | 12.5504% | 1,708 |
| Core capital (leverage) ratio | 11.6608% | 2,016 |
| Tier 1 risk-based capital ratio | 17.6028% | 1,914 |
| Total risk-based capital ratio | 18.8704% | 1,863 |
| Memoranda: | ||
| Average total assets | $48,974,500 | 4,922 |
| Average earning assets | $43,097,000 | 4,958 |
| Average equity | $6,279,000 | 4,849 |
| Average total loans | $26,375,500 | 4,875 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2934% | 3,140 |
| Cost of funding earning assets | 0.2408% | 4,844 |
| Net interest margin | 4.0526% | 1,814 |
| Noninterest income to average assets | 0.1912% | 4,759 |
| Noninterest expense to average assets | 3.7270% | 746 |
| Loan and lease loss provision to assets | 0.3625% | 409 |
| Net operating income to assets | -0.3107% | 5,295 |
| Return on assets (ROA) | -0.3107% | 5,291 |
| Pretax return on assets | -0.3107% | 5,287 |
| Return on Equity (ROE) | -2.4869% | 5,280 |
| Retained earnings to average equity (ytd only) | -2.4869% | 5,153 |
| Net charge-offs to loans | 0.5353% | 334 |
| Credit loss provision to net charge-offs | 133.8235% | 1,983 |
| Earnings coverage of net charge-offs (x) | 0.1912% | 3,706 |
| Efficiency ratio | 98.6294% | 164 |
| Assets per employee ($millions) | 3.9434% | 3,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1825% | 107 |
| Loan loss allowance to noncurrent loans | 45.7701% | 4,384 |
| Noncurrent assets plus other real estate owned to assets | 3.8968% | 126 |
| Noncurrent loans to loans | 6.9532% | 54 |
| Net loans and leases to total assets | 54.2592% | 4,261 |
| Net loans and leases to deposits | 62.5070% | 4,346 |
| Net loans and leases to core deposits | 62.5070% | 4,517 |
| Total domestic deposits to total assets | 86.8050% | 1,872 |
| Equity capital to assets | 13.1105% | 1,294 |
| Core capital (leverage) ratio | 11.3604% | 2,216 |
| Tier 1 risk-based capital ratio | 18.2311% | 1,686 |
| Total risk-based capital ratio | 19.4993% | 1,632 |
| Memoranda: | ||
| Average total assets | $50,201,200 | 4,931 |
| Average earning assets | $44,440,600 | 4,968 |
| Average equity | $6,272,800 | 4,854 |
| Average total loans | $25,406,600 | 4,925 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1631% | 3,426 |
| Cost of funding earning assets | 0.2409% | 4,840 |
| Net interest margin | 3.9222% | 2,223 |
| Noninterest income to average assets | 0.2825% | 4,262 |
| Noninterest expense to average assets | 3.5909% | 865 |
| Loan and lease loss provision to assets | 0.4760% | 246 |
| Net operating income to assets | -0.3348% | 5,372 |
| Return on assets (ROA) | -0.3348% | 5,369 |
| Pretax return on assets | -0.3348% | 5,364 |
| Return on Equity (ROE) | -2.6897% | 5,365 |
| Retained earnings to average equity (ytd only) | -2.6897% | 5,237 |
| Net charge-offs to loans | 0.7216% | 199 |
| Credit loss provision to net charge-offs | 133.8235% | 1,857 |
| Earnings coverage of net charge-offs (x) | 0.3971% | 3,404 |
| Efficiency ratio | 96.2158% | 198 |
| Assets per employee ($millions) | 3.4311% | 4,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3064% | 103 |
| Loan loss allowance to noncurrent loans | 30.0249% | 4,745 |
| Noncurrent assets plus other real estate owned to assets | 5.4618% | 73 |
| Noncurrent loans to loans | 11.0123% | 23 |
| Net loans and leases to total assets | 47.9569% | 4,720 |
| Net loans and leases to deposits | 54.5808% | 4,804 |
| Net loans and leases to core deposits | 54.5808% | 4,892 |
| Total domestic deposits to total assets | 87.8641% | 1,300 |
| Equity capital to assets | 12.0524% | 1,880 |
| Core capital (leverage) ratio | 10.8498% | 2,733 |
| Tier 1 risk-based capital ratio | 17.2105% | 2,016 |
| Total risk-based capital ratio | 18.4768% | 1,963 |
| Memoranda: | ||
| Average total assets | $50,980,000 | 4,975 |
| Average earning assets | $44,837,750 | 5,011 |
| Average equity | $6,345,000 | 4,899 |
| Average total loans | $25,128,250 | 4,992 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3514% | 2,582 |
| Cost of funding earning assets | 0.2342% | 4,827 |
| Net interest margin | 4.1171% | 1,500 |
| Noninterest income to average assets | 0.3107% | 4,099 |
| Noninterest expense to average assets | 3.7167% | 740 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.1888% | 5,242 |
| Return on assets (ROA) | 0.1888% | 5,232 |
| Pretax return on assets | 0.1888% | 5,246 |
| Return on Equity (ROE) | 1.4938% | 5,225 |
| Retained earnings to average equity (ytd only) | 1.4938% | 4,643 |
| Net charge-offs to loans | 0.0320% | 2,214 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 2,231 |
| Efficiency ratio | 95.1662% | 234 |
| Assets per employee ($millions) | 3.3885% | 4,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1881% | 116 |
| Loan loss allowance to noncurrent loans | 38.1364% | 4,626 |
| Noncurrent assets plus other real estate owned to assets | 4.0962% | 131 |
| Noncurrent loans to loans | 8.3598% | 40 |
| Net loans and leases to total assets | 47.4374% | 4,749 |
| Net loans and leases to deposits | 54.3261% | 4,831 |
| Net loans and leases to core deposits | 54.3261% | 4,923 |
| Total domestic deposits to total assets | 87.3197% | 1,714 |
| Equity capital to assets | 12.5957% | 1,486 |
| Core capital (leverage) ratio | 11.4529% | 2,108 |
| Tier 1 risk-based capital ratio | 18.7388% | 1,614 |
| Total risk-based capital ratio | 20.0046% | 1,570 |
| Memoranda: | ||
| Average total assets | $50,852,000 | 5,031 |
| Average earning assets | $44,400,000 | 5,082 |
| Average equity | $6,426,670 | 4,939 |
| Average total loans | $24,995,670 | 5,058 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3112% | 2,470 |
| Cost of funding earning assets | 0.2345% | 4,802 |
| Net interest margin | 4.0767% | 1,498 |
| Noninterest income to average assets | 0.3067% | 4,112 |
| Noninterest expense to average assets | 3.5309% | 947 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.3303% | 5,049 |
| Return on assets (ROA) | 0.3303% | 5,054 |
| Pretax return on assets | 0.3303% | 5,125 |
| Return on Equity (ROE) | 2.6091% | 5,095 |
| Retained earnings to average equity (ytd only) | 2.6091% | 4,135 |
| Net charge-offs to loans | 0.0799% | 1,332 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 8.4000% | 2,035 |
| Efficiency ratio | 91.4460% | 383 |
| Assets per employee ($millions) | 3.6123% | 4,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1958% | 121 |
| Loan loss allowance to noncurrent loans | 337.4468% | 1,520 |
| Noncurrent assets plus other real estate owned to assets | 0.4647% | 2,986 |
| Noncurrent loans to loans | 0.9470% | 1,926 |
| Net loans and leases to total assets | 47.4986% | 4,720 |
| Net loans and leases to deposits | 54.4546% | 4,771 |
| Net loans and leases to core deposits | 54.4546% | 4,899 |
| Total domestic deposits to total assets | 87.2261% | 2,029 |
| Equity capital to assets | 12.6829% | 1,390 |
| Core capital (leverage) ratio | 11.6147% | 1,920 |
| Tier 1 risk-based capital ratio | 18.8224% | 1,598 |
| Total risk-based capital ratio | 20.0890% | 1,552 |
| Memoranda: | ||
| Average total assets | $50,864,500 | 5,094 |
| Average earning assets | $44,349,500 | 5,145 |
| Average equity | $6,439,000 | 4,989 |
| Average total loans | $25,041,000 | 5,103 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4756% | 1,796 |
| Cost of funding earning assets | 0.2442% | 4,612 |
| Net interest margin | 4.2314% | 1,122 |
| Noninterest income to average assets | 0.2807% | 4,452 |
| Noninterest expense to average assets | 3.7206% | 772 |
| Loan and lease loss provision to assets | 0.6675% | 184 |
| Net operating income to assets | -0.3909% | 5,499 |
| Return on assets (ROA) | -0.4751% | 5,528 |
| Pretax return on assets | -0.4751% | 5,546 |
| Return on Equity (ROE) | -4.6894% | 5,531 |
| Retained earnings to average equity (ytd only) | -4.6894% | 5,424 |
| Net charge-offs to loans | 0.4815% | 495 |
| Credit loss provision to net charge-offs | 272.9508% | 1,021 |
| Earnings coverage of net charge-offs (x) | 1.1311% | 3,925 |
| Efficiency ratio | 93.0792% | 319 |
| Assets per employee ($millions) | 3.4105% | 4,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1581% | 120 |
| Loan loss allowance to noncurrent loans | 254.1401% | 1,900 |
| Noncurrent assets plus other real estate owned to assets | 0.6138% | 2,490 |
| Noncurrent loans to loans | 1.2427% | 1,422 |
| Net loans and leases to total assets | 47.8331% | 4,776 |
| Net loans and leases to deposits | 54.8077% | 4,861 |
| Net loans and leases to core deposits | 54.8077% | 4,972 |
| Total domestic deposits to total assets | 87.2745% | 1,869 |
| Equity capital to assets | 12.6356% | 1,435 |
| Core capital (leverage) ratio | 11.2354% | 2,139 |
| Tier 1 risk-based capital ratio | 18.6258% | 1,613 |
| Total risk-based capital ratio | 19.8923% | 1,556 |
| Memoranda: | ||
| Average total assets | $49,884,000 | 5,160 |
| Average earning assets | $43,815,800 | 5,192 |
| Average equity | $5,054,000 | 5,264 |
| Average total loans | $25,335,000 | 5,147 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5946% | 1,384 |
| Cost of funding earning assets | 0.2423% | 4,639 |
| Net interest margin | 4.3523% | 818 |
| Noninterest income to average assets | 0.2986% | 4,394 |
| Noninterest expense to average assets | 3.5050% | 987 |
| Loan and lease loss provision to assets | 0.8958% | 119 |
| Net operating income to assets | -0.2851% | 5,600 |
| Return on assets (ROA) | -0.3981% | 5,617 |
| Pretax return on assets | -0.3981% | 5,610 |
| Return on Equity (ROE) | -4.1972% | 5,626 |
| Retained earnings to average equity (ytd only) | -4.1972% | 5,526 |
| Net charge-offs to loans | 0.5733% | 349 |
| Credit loss provision to net charge-offs | 305.5046% | 969 |
| Earnings coverage of net charge-offs (x) | 2.0826% | 3,506 |
| Efficiency ratio | 85.1634% | 678 |
| Assets per employee ($millions) | 3.3686% | 4,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9221% | 167 |
| Loan loss allowance to noncurrent loans | 333.7449% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 0.4809% | 3,127 |
| Noncurrent loans to loans | 0.8755% | 2,186 |
| Net loans and leases to total assets | 53.3219% | 4,471 |
| Net loans and leases to deposits | 58.7531% | 4,698 |
| Net loans and leases to core deposits | 58.7531% | 4,882 |
| Total domestic deposits to total assets | 90.7558% | 240 |
| Equity capital to assets | 9.1156% | 4,812 |
| Core capital (leverage) ratio | 7.5225% | 5,618 |
| Tier 1 risk-based capital ratio | 11.5513% | 4,926 |
| Total risk-based capital ratio | 12.8152% | 4,801 |
| Memoranda: | ||
| Average total assets | $49,565,750 | 5,224 |
| Average earning assets | $43,470,500 | 5,254 |
| Average equity | $4,701,500 | 5,376 |
| Average total loans | $25,351,750 | 5,203 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6836% | 1,088 |
| Cost of funding earning assets | 0.2468% | 4,567 |
| Net interest margin | 4.4369% | 651 |
| Noninterest income to average assets | 0.3249% | 4,226 |
| Noninterest expense to average assets | 3.4197% | 1,129 |
| Loan and lease loss provision to assets | 0.2437% | 692 |
| Net operating income to assets | 0.5320% | 4,604 |
| Return on assets (ROA) | 0.3615% | 5,088 |
| Pretax return on assets | 0.3615% | 5,253 |
| Return on Equity (ROE) | 3.7606% | 4,891 |
| Retained earnings to average equity (ytd only) | 3.7606% | 3,451 |
| Net charge-offs to loans | 0.4480% | 448 |
| Credit loss provision to net charge-offs | 109.0909% | 1,901 |
| Earnings coverage of net charge-offs (x) | 3.4727% | 3,043 |
| Efficiency ratio | 81.5102% | 1,052 |
| Assets per employee ($millions) | 3.9703% | 4,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1901% | 445 |
| Loan loss allowance to noncurrent loans | 435.2941% | 1,172 |
| Noncurrent assets plus other real estate owned to assets | 0.2635% | 4,069 |
| Noncurrent loans to loans | 0.5031% | 3,244 |
| Net loans and leases to total assets | 51.2245% | 4,629 |
| Net loans and leases to deposits | 56.6364% | 4,829 |
| Net loans and leases to core deposits | 56.6364% | 4,969 |
| Total domestic deposits to total assets | 90.4445% | 376 |
| Equity capital to assets | 9.3928% | 4,521 |
| Core capital (leverage) ratio | 8.2492% | 5,394 |
| Tier 1 risk-based capital ratio | 12.3191% | 4,407 |
| Total risk-based capital ratio | 13.5764% | 4,302 |
| Memoranda: | ||
| Average total assets | $49,244,670 | 5,269 |
| Average earning assets | $42,958,330 | 5,307 |
| Average equity | $4,733,330 | 5,414 |
| Average total loans | $24,551,000 | 5,265 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8643% | 671 |
| Cost of funding earning assets | 0.2399% | 4,637 |
| Net interest margin | 4.6244% | 427 |
| Noninterest income to average assets | 0.2830% | 4,524 |
| Noninterest expense to average assets | 3.5289% | 1,004 |
| Loan and lease loss provision to assets | 0.2497% | 602 |
| Net operating income to assets | 0.5160% | 4,533 |
| Return on assets (ROA) | 0.5160% | 4,564 |
| Pretax return on assets | 0.5160% | 4,935 |
| Return on Equity (ROE) | 5.3037% | 4,254 |
| Retained earnings to average equity (ytd only) | 5.3037% | 2,735 |
| Net charge-offs to loans | 1.5272% | 103 |
| Credit loss provision to net charge-offs | 33.7079% | 2,094 |
| Earnings coverage of net charge-offs (x) | 1.0337% | 2,767 |
| Efficiency ratio | 82.1705% | 1,142 |
| Assets per employee ($millions) | 4.5127% | 3,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9844% | 686 |
| Loan loss allowance to noncurrent loans | 340.6452% | 1,452 |
| Noncurrent assets plus other real estate owned to assets | 0.3122% | 3,942 |
| Noncurrent loans to loans | 0.5825% | 3,063 |
| Net loans and leases to total assets | 52.5383% | 4,469 |
| Net loans and leases to deposits | 58.1818% | 4,683 |
| Net loans and leases to core deposits | 58.1818% | 4,871 |
| Total domestic deposits to total assets | 90.3002% | 539 |
| Equity capital to assets | 9.5367% | 4,248 |
| Core capital (leverage) ratio | 8.4140% | 5,287 |
| Tier 1 risk-based capital ratio | 12.7843% | 4,207 |
| Total risk-based capital ratio | 14.0413% | 4,101 |
| Memoranda: | ||
| Average total assets | $48,060,000 | 5,350 |
| Average earning assets | $41,691,500 | 5,390 |
| Average equity | $4,676,000 | 5,478 |
| Average total loans | $23,311,000 | 5,361 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8899% | 3,603 |
| Cost of funding earning assets | 0.2450% | 4,614 |
| Net interest margin | 3.6449% | 2,909 |
| Noninterest income to average assets | 0.3466% | 4,256 |
| Noninterest expense to average assets | 3.6725% | 915 |
| Loan and lease loss provision to assets | 0.5777% | 227 |
| Net operating income to assets | -0.5770% | 5,799 |
| Return on assets (ROA) | -0.5550% | 5,798 |
| Pretax return on assets | -0.6252% | 5,796 |
| Return on Equity (ROE) | -5.4959% | 5,798 |
| Retained earnings to average equity (ytd only) | -5.4959% | 5,695 |
| Net charge-offs to loans | 0.8353% | 237 |
| Credit loss provision to net charge-offs | 167.6647% | 1,650 |
| Earnings coverage of net charge-offs (x) | -0.2096% | 4,145 |
| Efficiency ratio | 102.0057% | 199 |
| Assets per employee ($millions) | 5.8100% | 1,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9329% | 189 |
| Loan loss allowance to noncurrent loans | 234.8000% | 1,991 |
| Noncurrent assets plus other real estate owned to assets | 0.5379% | 3,130 |
| Noncurrent loans to loans | 1.2491% | 1,642 |
| Net loans and leases to total assets | 41.7965% | 5,239 |
| Net loans and leases to deposits | 46.4939% | 5,350 |
| Net loans and leases to core deposits | 46.4939% | 5,414 |
| Total domestic deposits to total assets | 89.8967% | 681 |
| Equity capital to assets | 9.9355% | 3,786 |
| Core capital (leverage) ratio | 8.6432% | 5,128 |
| Tier 1 risk-based capital ratio | 15.5455% | 2,731 |
| Total risk-based capital ratio | 16.8103% | 2,654 |
| Memoranda: | ||
| Average total assets | $48,468,000 | 5,376 |
| Average earning assets | $43,265,600 | 5,394 |
| Average equity | $4,894,600 | 5,486 |
| Average total loans | $19,992,600 | 5,520 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6755% | 4,331 |
| Cost of funding earning assets | 0.2434% | 4,664 |
| Net interest margin | 3.4321% | 3,732 |
| Noninterest income to average assets | 0.3676% | 4,145 |
| Noninterest expense to average assets | 3.6678% | 898 |
| Loan and lease loss provision to assets | 0.6399% | 176 |
| Net operating income to assets | -0.7568% | 5,887 |
| Return on assets (ROA) | -0.7270% | 5,886 |
| Pretax return on assets | -0.7978% | 5,890 |
| Return on Equity (ROE) | -7.1718% | 5,886 |
| Retained earnings to average equity (ytd only) | -7.1718% | 5,796 |
| Net charge-offs to loans | 1.1674% | 136 |
| Credit loss provision to net charge-offs | 134.2857% | 1,935 |
| Earnings coverage of net charge-offs (x) | -0.4000% | 3,839 |
| Efficiency ratio | 105.4816% | 163 |
| Assets per employee ($millions) | 5.8161% | 1,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7285% | 258 |
| Loan loss allowance to noncurrent loans | 122.7586% | 3,204 |
| Noncurrent assets plus other real estate owned to assets | 0.9349% | 2,230 |
| Noncurrent loans to loans | 2.2227% | 840 |
| Net loans and leases to total assets | 40.9143% | 5,339 |
| Net loans and leases to deposits | 45.7675% | 5,461 |
| Net loans and leases to core deposits | 45.7675% | 5,518 |
| Total domestic deposits to total assets | 89.3959% | 726 |
| Equity capital to assets | 10.4215% | 3,648 |
| Core capital (leverage) ratio | 8.1534% | 5,610 |
| Tier 1 risk-based capital ratio | 16.6885% | 2,338 |
| Total risk-based capital ratio | 17.9443% | 2,284 |
| Memoranda: | ||
| Average total assets | $48,965,000 | 5,419 |
| Average earning assets | $44,364,500 | 5,427 |
| Average equity | $4,963,750 | 5,529 |
| Average total loans | $19,987,250 | 5,573 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6838% | 4,346 |
| Cost of funding earning assets | 0.2391% | 4,766 |
| Net interest margin | 3.4447% | 3,709 |
| Noninterest income to average assets | 0.3897% | 3,954 |
| Noninterest expense to average assets | 3.4876% | 1,183 |
| Loan and lease loss provision to assets | 0.3616% | 444 |
| Net operating income to assets | -0.3065% | 5,881 |
| Return on assets (ROA) | -0.2732% | 5,885 |
| Pretax return on assets | -0.2973% | 5,881 |
| Return on Equity (ROE) | -2.7189% | 5,889 |
| Retained earnings to average equity (ytd only) | -2.7189% | 5,603 |
| Net charge-offs to loans | 0.0497% | 2,488 |
| Credit loss provision to net charge-offs | 1,800.0000% | 225 |
| Earnings coverage of net charge-offs (x) | 1.4000% | 3,412 |
| Efficiency ratio | 99.2000% | 259 |
| Assets per employee ($millions) | 5.0650% | 2,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7039% | 281 |
| Loan loss allowance to noncurrent loans | 136.3415% | 3,073 |
| Noncurrent assets plus other real estate owned to assets | 0.8095% | 2,565 |
| Noncurrent loans to loans | 1.9832% | 1,004 |
| Net loans and leases to total assets | 39.7137% | 5,432 |
| Net loans and leases to deposits | 44.2078% | 5,557 |
| Net loans and leases to core deposits | 44.2078% | 5,619 |
| Total domestic deposits to total assets | 89.8342% | 552 |
| Equity capital to assets | 9.9664% | 4,270 |
| Core capital (leverage) ratio | 8.6510% | 5,213 |
| Tier 1 risk-based capital ratio | 15.6494% | 2,801 |
| Total risk-based capital ratio | 16.9026% | 2,735 |
| Memoranda: | ||
| Average total assets | $49,777,000 | 5,466 |
| Average earning assets | $45,171,000 | 5,478 |
| Average equity | $5,002,000 | 5,586 |
| Average total loans | $20,126,000 | 5,630 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5771% | 4,684 |
| Cost of funding earning assets | 0.2319% | 4,882 |
| Net interest margin | 3.3452% | 4,063 |
| Noninterest income to average assets | 0.3486% | 4,239 |
| Noninterest expense to average assets | 3.3238% | 1,544 |
| Loan and lease loss provision to assets | 0.3648% | 404 |
| Net operating income to assets | -0.3000% | 5,914 |
| Return on assets (ROA) | -0.2189% | 5,901 |
| Pretax return on assets | -0.2189% | 5,896 |
| Return on Equity (ROE) | -2.1691% | 5,911 |
| Retained earnings to average equity (ytd only) | -2.1691% | 5,398 |
| Net charge-offs to loans | 0.2619% | 796 |
| Credit loss provision to net charge-offs | 346.1538% | 775 |
| Earnings coverage of net charge-offs (x) | 0.6154% | 2,905 |
| Efficiency ratio | 98.0861% | 340 |
| Assets per employee ($millions) | 5.5451% | 1,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5556% | 367 |
| Loan loss allowance to noncurrent loans | 157.1429% | 2,682 |
| Noncurrent assets plus other real estate owned to assets | 0.6452% | 3,119 |
| Noncurrent loans to loans | 1.6263% | 1,414 |
| Net loans and leases to total assets | 38.6607% | 5,524 |
| Net loans and leases to deposits | 43.0564% | 5,624 |
| Net loans and leases to core deposits | 43.0564% | 5,687 |
| Total domestic deposits to total assets | 89.7908% | 684 |
| Equity capital to assets | 10.0188% | 4,054 |
| Core capital (leverage) ratio | 8.4233% | 5,459 |
| Tier 1 risk-based capital ratio | 15.7326% | 2,812 |
| Total risk-based capital ratio | 16.9845% | 2,749 |
| Memoranda: | ||
| Average total assets | $49,340,500 | 5,524 |
| Average earning assets | $44,841,000 | 5,527 |
| Average equity | $4,979,000 | 5,629 |
| Average total loans | $19,852,000 | 5,688 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6348% | 4,574 |
| Cost of funding earning assets | 0.2394% | 4,904 |
| Net interest margin | 3.3954% | 3,935 |
| Noninterest income to average assets | 0.3210% | 4,600 |
| Noninterest expense to average assets | 2.6022% | 3,917 |
| Loan and lease loss provision to assets | 1.7547% | 38 |
| Net operating income to assets | -0.5858% | 6,061 |
| Return on assets (ROA) | -0.5603% | 6,058 |
| Pretax return on assets | -0.9133% | 6,094 |
| Return on Equity (ROE) | -5.3117% | 6,052 |
| Retained earnings to average equity (ytd only) | -5.3117% | 5,929 |
| Net charge-offs to loans | 4.1868% | 13 |
| Credit loss provision to net charge-offs | 107.8431% | 2,340 |
| Earnings coverage of net charge-offs (x) | 0.4926% | 4,221 |
| Efficiency ratio | 76.4499% | 2,201 |
| Assets per employee ($millions) | 4.8775% | 2,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3814% | 467 |
| Loan loss allowance to noncurrent loans | 63.3690% | 4,555 |
| Noncurrent assets plus other real estate owned to assets | 1.5336% | 1,307 |
| Noncurrent loans to loans | 3.7580% | 345 |
| Net loans and leases to total assets | 39.8360% | 5,526 |
| Net loans and leases to deposits | 44.4267% | 5,638 |
| Net loans and leases to core deposits | 44.4267% | 5,702 |
| Total domestic deposits to total assets | 89.6668% | 771 |
| Equity capital to assets | 10.1650% | 3,788 |
| Core capital (leverage) ratio | 8.1225% | 5,765 |
| Tier 1 risk-based capital ratio | 15.5017% | 2,928 |
| Total risk-based capital ratio | 16.7608% | 2,864 |
| Memoranda: | ||
| Average total assets | $50,150,400 | 5,535 |
| Average earning assets | $45,531,600 | 5,542 |
| Average equity | $5,290,200 | 5,584 |
| Average total loans | $19,489,800 | 5,743 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6005% | 4,741 |
| Cost of funding earning assets | 0.2414% | 4,981 |
| Net interest margin | 3.3591% | 4,108 |
| Noninterest income to average assets | 0.3274% | 4,592 |
| Noninterest expense to average assets | 2.5560% | 4,029 |
| Loan and lease loss provision to assets | 0.3565% | 374 |
| Net operating income to assets | 0.3982% | 5,171 |
| Return on assets (ROA) | 0.4436% | 5,084 |
| Pretax return on assets | 0.5175% | 5,177 |
| Return on Equity (ROE) | 4.1686% | 4,969 |
| Retained earnings to average equity (ytd only) | 4.1686% | 3,498 |
| Net charge-offs to loans | 1.0041% | 189 |
| Credit loss provision to net charge-offs | 92.4658% | 2,435 |
| Earnings coverage of net charge-offs (x) | 2.1302% | 3,729 |
| Efficiency ratio | 75.6841% | 2,290 |
| Assets per employee ($millions) | 4.4785% | 3,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0920% | 783 |
| Loan loss allowance to noncurrent loans | 37.6060% | 5,271 |
| Noncurrent assets plus other real estate owned to assets | 2.1537% | 903 |
| Noncurrent loans to loans | 5.5628% | 163 |
| Net loans and leases to total assets | 37.9060% | 5,710 |
| Net loans and leases to deposits | 42.7998% | 5,768 |
| Net loans and leases to core deposits | 43.0673% | 5,822 |
| Total domestic deposits to total assets | 88.5657% | 1,266 |
| Equity capital to assets | 11.0689% | 2,942 |
| Core capital (leverage) ratio | 9.0662% | 4,920 |
| Tier 1 risk-based capital ratio | 18.2320% | 1,976 |
| Total risk-based capital ratio | 19.4850% | 1,931 |
| Memoranda: | ||
| Average total assets | $50,494,250 | 5,600 |
| Average earning assets | $45,844,500 | 5,600 |
| Average equity | $5,373,250 | 5,635 |
| Average total loans | $19,386,250 | 5,818 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5481% | 4,862 |
| Cost of funding earning assets | 0.2337% | 5,108 |
| Net interest margin | 3.3144% | 4,245 |
| Noninterest income to average assets | 0.3261% | 4,616 |
| Noninterest expense to average assets | 2.5381% | 4,106 |
| Loan and lease loss provision to assets | 0.3536% | 374 |
| Net operating income to assets | 0.3349% | 5,343 |
| Return on assets (ROA) | 0.3379% | 5,439 |
| Pretax return on assets | 0.4479% | 5,358 |
| Return on Equity (ROE) | 3.2170% | 5,332 |
| Retained earnings to average equity (ytd only) | 3.2170% | 4,000 |
| Net charge-offs to loans | 0.8825% | 233 |
| Credit loss provision to net charge-offs | 104.6512% | 1,987 |
| Earnings coverage of net charge-offs (x) | 2.3605% | 3,356 |
| Efficiency ratio | 76.0895% | 2,340 |
| Assets per employee ($millions) | 4.6406% | 2,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2351% | 701 |
| Loan loss allowance to noncurrent loans | 50.3659% | 4,982 |
| Noncurrent assets plus other real estate owned to assets | 1.6064% | 1,499 |
| Noncurrent loans to loans | 4.4377% | 312 |
| Net loans and leases to total assets | 35.3890% | 5,849 |
| Net loans and leases to deposits | 39.6859% | 5,910 |
| Net loans and leases to core deposits | 39.9227% | 5,956 |
| Total domestic deposits to total assets | 89.1727% | 1,060 |
| Equity capital to assets | 10.4884% | 3,448 |
| Core capital (leverage) ratio | 8.7665% | 5,263 |
| Tier 1 risk-based capital ratio | 17.5462% | 2,204 |
| Total risk-based capital ratio | 18.7955% | 2,159 |
| Memoranda: | ||
| Average total assets | $50,904,330 | 5,655 |
| Average earning assets | $46,222,000 | 5,654 |
| Average equity | $5,346,670 | 5,689 |
| Average total loans | $19,490,670 | 5,869 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6301% | 4,596 |
| Cost of funding earning assets | 0.2426% | 5,097 |
| Net interest margin | 3.3875% | 3,896 |
| Noninterest income to average assets | 0.3148% | 4,676 |
| Noninterest expense to average assets | 2.5653% | 4,047 |
| Loan and lease loss provision to assets | 0.3541% | 362 |
| Net operating income to assets | 0.2546% | 5,550 |
| Return on assets (ROA) | 0.2597% | 5,630 |
| Pretax return on assets | 0.4800% | 5,228 |
| Return on Equity (ROE) | 2.4705% | 5,546 |
| Retained earnings to average equity (ytd only) | 2.4705% | 4,453 |
| Net charge-offs to loans | 0.2400% | 993 |
| Credit loss provision to net charge-offs | 375.0000% | 694 |
| Earnings coverage of net charge-offs (x) | 8.7500% | 2,062 |
| Efficiency ratio | 75.6381% | 2,562 |
| Assets per employee ($millions) | 5.2114% | 2,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2400% | 761 |
| Loan loss allowance to noncurrent loans | 49.6072% | 5,036 |
| Noncurrent assets plus other real estate owned to assets | 1.7097% | 1,464 |
| Noncurrent loans to loans | 4.5155% | 344 |
| Net loans and leases to total assets | 37.0150% | 5,772 |
| Net loans and leases to deposits | 41.4919% | 5,863 |
| Net loans and leases to core deposits | 41.9740% | 5,911 |
| Total domestic deposits to total assets | 89.2102% | 1,136 |
| Equity capital to assets | 10.3312% | 3,746 |
| Core capital (leverage) ratio | 9.0656% | 4,878 |
| Tier 1 risk-based capital ratio | 17.1867% | 2,409 |
| Total risk-based capital ratio | 18.4410% | 2,367 |
| Memoranda: | ||
| Average total assets | $50,833,000 | 5,706 |
| Average earning assets | $46,170,000 | 5,703 |
| Average equity | $5,343,000 | 5,748 |
| Average total loans | $19,997,000 | 5,898 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7403% | 4,678 |
| Cost of funding earning assets | 0.2576% | 5,246 |
| Net interest margin | 3.4828% | 3,857 |
| Noninterest income to average assets | 0.3516% | 4,593 |
| Noninterest expense to average assets | 2.4651% | 4,655 |
| Loan and lease loss provision to assets | 0.1248% | 2,097 |
| Net operating income to assets | 0.5449% | 4,614 |
| Return on assets (ROA) | 0.5596% | 4,655 |
| Pretax return on assets | 0.9070% | 3,876 |
| Return on Equity (ROE) | 5.2630% | 4,522 |
| Retained earnings to average equity (ytd only) | 5.2630% | 2,422 |
| Net charge-offs to loans | -0.0721% | 6,029 |
| Credit loss provision to net charge-offs | -461.5385% | 5,771 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9581% | 3,381 |
| Assets per employee ($millions) | 4.5047% | 3,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0235% | 1,064 |
| Loan loss allowance to noncurrent loans | 81.5109% | 4,194 |
| Noncurrent assets plus other real estate owned to assets | 1.0151% | 2,718 |
| Noncurrent loans to loans | 2.4825% | 1,028 |
| Net loans and leases to total assets | 40.0630% | 5,738 |
| Net loans and leases to deposits | 45.1151% | 5,838 |
| Net loans and leases to core deposits | 45.6693% | 5,907 |
| Total domestic deposits to total assets | 88.8017% | 1,354 |
| Equity capital to assets | 10.6999% | 3,236 |
| Core capital (leverage) ratio | 9.1348% | 4,771 |
| Tier 1 risk-based capital ratio | 17.3867% | 2,359 |
| Total risk-based capital ratio | 18.6423% | 2,322 |
| Memoranda: | ||
| Average total assets | $48,071,200 | 5,832 |
| Average earning assets | $43,097,600 | 5,851 |
| Average equity | $5,111,200 | 5,829 |
| Average total loans | $18,036,200 | 6,042 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7133% | 4,817 |
| Cost of funding earning assets | 0.2623% | 5,280 |
| Net interest margin | 3.4510% | 4,017 |
| Noninterest income to average assets | 0.3690% | 4,475 |
| Noninterest expense to average assets | 2.4793% | 4,595 |
| Loan and lease loss provision to assets | 0.0419% | 3,559 |
| Net operating income to assets | 0.6232% | 4,334 |
| Return on assets (ROA) | 0.6401% | 4,356 |
| Pretax return on assets | 0.9615% | 3,752 |
| Return on Equity (ROE) | 6.0300% | 4,215 |
| Retained earnings to average equity (ytd only) | 6.0300% | 2,392 |
| Net charge-offs to loans | -0.0839% | 6,088 |
| Credit loss provision to net charge-offs | -136.3636% | 5,494 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7057% | 3,233 |
| Assets per employee ($millions) | 4.9278% | 2,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8380% | 1,607 |
| Loan loss allowance to noncurrent loans | 79.7802% | 4,198 |
| Noncurrent assets plus other real estate owned to assets | 0.9233% | 3,135 |
| Noncurrent loans to loans | 2.3038% | 1,301 |
| Net loans and leases to total assets | 39.3421% | 5,856 |
| Net loans and leases to deposits | 44.1557% | 5,964 |
| Net loans and leases to core deposits | 44.4269% | 6,022 |
| Total domestic deposits to total assets | 89.0986% | 1,180 |
| Equity capital to assets | 10.5179% | 3,531 |
| Core capital (leverage) ratio | 8.9868% | 5,088 |
| Tier 1 risk-based capital ratio | 17.6317% | 2,346 |
| Total risk-based capital ratio | 18.8854% | 2,303 |
| Memoranda: | ||
| Average total assets | $47,701,000 | 5,907 |
| Average earning assets | $42,692,500 | 5,927 |
| Average equity | $5,063,500 | 5,900 |
| Average total loans | $17,479,750 | 6,125 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6381% | 5,047 |
| Cost of funding earning assets | 0.2602% | 5,383 |
| Net interest margin | 3.3779% | 4,269 |
| Noninterest income to average assets | 0.3688% | 4,490 |
| Noninterest expense to average assets | 2.4462% | 4,750 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5957% | 4,374 |
| Return on assets (ROA) | 0.6147% | 4,378 |
| Pretax return on assets | 0.9793% | 3,559 |
| Return on Equity (ROE) | 5.7727% | 4,293 |
| Retained earnings to average equity (ytd only) | 5.7727% | 2,470 |
| Net charge-offs to loans | -0.1196% | 6,200 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0350% | 3,333 |
| Assets per employee ($millions) | 4.4375% | 3,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0234% | 1,322 |
| Loan loss allowance to noncurrent loans | 578.3333% | 816 |
| Noncurrent assets plus other real estate owned to assets | 0.1229% | 5,789 |
| Noncurrent loans to loans | 0.3499% | 4,956 |
| Net loans and leases to total assets | 34.4219% | 6,131 |
| Net loans and leases to deposits | 38.6786% | 6,199 |
| Net loans and leases to core deposits | 38.9187% | 6,247 |
| Total domestic deposits to total assets | 88.9945% | 1,354 |
| Equity capital to assets | 10.5343% | 3,404 |
| Core capital (leverage) ratio | 9.1028% | 4,870 |
| Tier 1 risk-based capital ratio | 18.6913% | 2,006 |
| Total risk-based capital ratio | 19.9426% | 1,968 |
| Memoranda: | ||
| Average total assets | $47,175,330 | 5,979 |
| Average earning assets | $42,275,330 | 5,990 |
| Average equity | $5,023,670 | 5,951 |
| Average total loans | $16,723,000 | 6,210 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6942% | 4,868 |
| Cost of funding earning assets | 0.2604% | 5,483 |
| Net interest margin | 3.4338% | 3,966 |
| Noninterest income to average assets | 0.4055% | 4,141 |
| Noninterest expense to average assets | 2.4160% | 4,882 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7050% | 3,662 |
| Return on assets (ROA) | 0.7334% | 3,604 |
| Pretax return on assets | 1.1045% | 2,885 |
| Return on Equity (ROE) | 6.8486% | 3,561 |
| Retained earnings to average equity (ytd only) | 6.8486% | 2,117 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4789% | 3,917 |
| Assets per employee ($millions) | 4.8102% | 2,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0197% | 1,482 |
| Loan loss allowance to noncurrent loans | 8,425.0000% | 88 |
| Noncurrent assets plus other real estate owned to assets | 0.0936% | 5,964 |
| Noncurrent loans to loans | 0.0240% | 6,086 |
| Net loans and leases to total assets | 33.9882% | 6,182 |
| Net loans and leases to deposits | 38.1007% | 6,242 |
| Net loans and leases to core deposits | 38.3401% | 6,302 |
| Total domestic deposits to total assets | 89.2063% | 1,525 |
| Equity capital to assets | 10.4050% | 3,346 |
| Core capital (leverage) ratio | 9.4111% | 4,406 |
| Tier 1 risk-based capital ratio | 18.7329% | 2,050 |
| Total risk-based capital ratio | 19.9876% | 2,007 |
| Memoranda: | ||
| Average total assets | $46,357,000 | 6,062 |
| Average earning assets | $41,470,500 | 6,072 |
| Average equity | $4,964,500 | 6,003 |
| Average total loans | $16,510,000 | 6,285 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4102% | 5,819 |
| Cost of funding earning assets | 0.3381% | 5,262 |
| Net interest margin | 3.0721% | 5,396 |
| Noninterest income to average assets | 0.2611% | 5,480 |
| Noninterest expense to average assets | 2.2708% | 5,458 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.4762% | 4,832 |
| Return on assets (ROA) | 0.4849% | 4,937 |
| Pretax return on assets | 0.7350% | 4,401 |
| Return on Equity (ROE) | 4.5074% | 4,888 |
| Retained earnings to average equity (ytd only) | 4.5074% | 2,969 |
| Net charge-offs to loans | -0.0066% | 5,964 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8798% | 2,791 |
| Assets per employee ($millions) | 4.9569% | 2,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0632% | 1,410 |
| Loan loss allowance to noncurrent loans | 240.7143% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 0.3138% | 5,316 |
| Noncurrent loans to loans | 0.8571% | 3,837 |
| Net loans and leases to total assets | 35.8581% | 6,211 |
| Net loans and leases to deposits | 40.4905% | 6,284 |
| Net loans and leases to core deposits | 40.7671% | 6,340 |
| Total domestic deposits to total assets | 88.5591% | 1,882 |
| Equity capital to assets | 11.0374% | 2,582 |
| Core capital (leverage) ratio | 9.3533% | 4,471 |
| Tier 1 risk-based capital ratio | 18.9500% | 1,939 |
| Total risk-based capital ratio | 20.2054% | 1,893 |
| Memoranda: | ||
| Average total assets | $45,577,800 | 6,134 |
| Average earning assets | $40,525,600 | 6,154 |
| Average equity | $4,903,000 | 6,091 |
| Average total loans | $15,064,800 | 6,414 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3369% | 5,994 |
| Cost of funding earning assets | 0.3580% | 5,214 |
| Net interest margin | 2.9789% | 5,645 |
| Noninterest income to average assets | 0.2299% | 5,788 |
| Noninterest expense to average assets | 2.1359% | 5,756 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4685% | 4,939 |
| Return on assets (ROA) | 0.4685% | 5,084 |
| Pretax return on assets | 0.7333% | 4,564 |
| Return on Equity (ROE) | 4.3828% | 5,035 |
| Retained earnings to average equity (ytd only) | 4.3828% | 3,555 |
| Net charge-offs to loans | -0.1175% | 6,529 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4422% | 2,992 |
| Assets per employee ($millions) | 5.0348% | 2,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3518% | 1,106 |
| Loan loss allowance to noncurrent loans | 320.1835% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 0.2405% | 5,720 |
| Noncurrent loans to loans | 0.7345% | 4,381 |
| Net loans and leases to total assets | 31.9798% | 6,452 |
| Net loans and leases to deposits | 35.9873% | 6,510 |
| Net loans and leases to core deposits | 36.4810% | 6,548 |
| Total domestic deposits to total assets | 88.8641% | 1,636 |
| Equity capital to assets | 10.7232% | 3,043 |
| Core capital (leverage) ratio | 9.0477% | 5,052 |
| Tier 1 risk-based capital ratio | 20.3463% | 1,643 |
| Total risk-based capital ratio | 21.6002% | 1,615 |
| Memoranda: | ||
| Average total assets | $45,819,250 | 6,194 |
| Average earning assets | $40,595,750 | 6,221 |
| Average equity | $4,897,750 | 6,166 |
| Average total loans | $14,747,500 | 6,491 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3133% | 6,063 |
| Cost of funding earning assets | 0.3866% | 5,063 |
| Net interest margin | 2.9267% | 5,735 |
| Noninterest income to average assets | 0.2392% | 5,738 |
| Noninterest expense to average assets | 2.0875% | 5,891 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4958% | 4,817 |
| Return on assets (ROA) | 0.4958% | 4,992 |
| Pretax return on assets | 0.7524% | 4,499 |
| Return on Equity (ROE) | 4.6430% | 4,927 |
| Retained earnings to average equity (ytd only) | 4.6430% | 3,299 |
| Net charge-offs to loans | -0.2174% | 6,688 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5069% | 3,228 |
| Assets per employee ($millions) | 5.1541% | 1,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3474% | 1,173 |
| Loan loss allowance to noncurrent loans | 510.1449% | 860 |
| Noncurrent assets plus other real estate owned to assets | 0.1487% | 6,047 |
| Noncurrent loans to loans | 0.4602% | 5,113 |
| Net loans and leases to total assets | 31.5670% | 6,527 |
| Net loans and leases to deposits | 35.4526% | 6,572 |
| Net loans and leases to core deposits | 36.4898% | 6,588 |
| Total domestic deposits to total assets | 89.0400% | 1,610 |
| Equity capital to assets | 10.4232% | 3,397 |
| Core capital (leverage) ratio | 8.9453% | 5,078 |
| Tier 1 risk-based capital ratio | 19.6402% | 1,814 |
| Total risk-based capital ratio | 20.8947% | 1,789 |
| Memoranda: | ||
| Average total assets | $45,988,000 | 6,231 |
| Average earning assets | $40,865,000 | 6,261 |
| Average equity | $4,910,670 | 6,213 |
| Average total loans | $14,716,670 | 6,533 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3355% | 6,077 |
| Cost of funding earning assets | 0.4231% | 4,883 |
| Net interest margin | 2.9125% | 5,787 |
| Noninterest income to average assets | 0.2446% | 5,705 |
| Noninterest expense to average assets | 2.0704% | 5,968 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5154% | 4,584 |
| Return on assets (ROA) | 0.5154% | 4,730 |
| Pretax return on assets | 0.7600% | 4,329 |
| Return on Equity (ROE) | 4.7691% | 4,701 |
| Retained earnings to average equity (ytd only) | 4.7691% | 3,377 |
| Net charge-offs to loans | -0.0549% | 6,172 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1481% | 3,420 |
| Assets per employee ($millions) | 5.1572% | 2,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3683% | 1,301 |
| Loan loss allowance to noncurrent loans | 339.0000% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 0.2154% | 5,917 |
| Noncurrent loans to loans | 0.6986% | 4,729 |
| Net loans and leases to total assets | 30.1088% | 6,602 |
| Net loans and leases to deposits | 33.9925% | 6,638 |
| Net loans and leases to core deposits | 34.9847% | 6,650 |
| Total domestic deposits to total assets | 88.5748% | 1,956 |
| Equity capital to assets | 10.7034% | 3,316 |
| Core capital (leverage) ratio | 8.9660% | 4,940 |
| Tier 1 risk-based capital ratio | 19.8811% | 1,807 |
| Total risk-based capital ratio | 21.1346% | 1,773 |
| Memoranda: | ||
| Average total assets | $45,788,500 | 6,294 |
| Average earning assets | $40,653,000 | 6,321 |
| Average equity | $4,948,500 | 6,263 |
| Average total loans | $14,577,500 | 6,602 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6704% | 6,099 |
| Cost of funding earning assets | 0.5534% | 4,786 |
| Net interest margin | 3.1170% | 5,774 |
| Noninterest income to average assets | 0.2531% | 5,654 |
| Noninterest expense to average assets | 2.4375% | 5,294 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.4138% | 5,041 |
| Return on assets (ROA) | 0.4369% | 5,182 |
| Pretax return on assets | 0.6326% | 4,877 |
| Return on Equity (ROE) | 3.8155% | 5,223 |
| Retained earnings to average equity (ytd only) | 3.8155% | 3,524 |
| Net charge-offs to loans | 0.1078% | 4,591 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 16.7333% | 1,561 |
| Efficiency ratio | 80.2673% | 2,111 |
| Assets per employee ($millions) | 5.6453% | 1,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2707% | 1,417 |
| Loan loss allowance to noncurrent loans | 33,700.0000% | 15 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 6,712 |
| Noncurrent loans to loans | 0.0067% | 6,561 |
| Net loans and leases to total assets | 32.1155% | 6,621 |
| Net loans and leases to deposits | 36.3454% | 6,674 |
| Net loans and leases to core deposits | 37.1478% | 6,702 |
| Total domestic deposits to total assets | 88.3619% | 1,988 |
| Equity capital to assets | 10.9140% | 3,053 |
| Core capital (leverage) ratio | 9.0227% | 4,871 |
| Tier 1 risk-based capital ratio | 19.4676% | 1,825 |
| Total risk-based capital ratio | 20.7241% | 1,791 |
| Memoranda: | ||
| Average total assets | $41,888,000 | 6,437 |
| Average earning assets | $37,407,800 | 6,457 |
| Average equity | $4,796,200 | 6,354 |
| Average total loans | $13,916,400 | 6,700 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7033% | 6,216 |
| Cost of funding earning assets | 0.5767% | 4,859 |
| Net interest margin | 3.1266% | 5,881 |
| Noninterest income to average assets | 0.2694% | 5,626 |
| Noninterest expense to average assets | 2.4089% | 5,366 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4778% | 4,921 |
| Return on assets (ROA) | 0.4967% | 5,123 |
| Pretax return on assets | 0.6850% | 4,910 |
| Return on Equity (ROE) | 4.2828% | 5,160 |
| Retained earnings to average equity (ytd only) | 4.2828% | 3,880 |
| Net charge-offs to loans | 0.2728% | 3,090 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 7.2505% | 2,630 |
| Efficiency ratio | 78.5185% | 2,312 |
| Assets per employee ($millions) | 4.6817% | 2,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2163% | 1,680 |
| Loan loss allowance to noncurrent loans | 475.0000% | 806 |
| Noncurrent assets plus other real estate owned to assets | 0.1614% | 6,301 |
| Noncurrent loans to loans | 0.4666% | 5,518 |
| Net loans and leases to total assets | 33.8222% | 6,664 |
| Net loans and leases to deposits | 38.6835% | 6,729 |
| Net loans and leases to core deposits | 40.8994% | 6,706 |
| Total domestic deposits to total assets | 87.4333% | 2,393 |
| Equity capital to assets | 11.7171% | 2,515 |
| Core capital (leverage) ratio | 9.3126% | 4,562 |
| Tier 1 risk-based capital ratio | 19.9088% | 1,785 |
| Total risk-based capital ratio | 21.1637% | 1,761 |
| Memoranda: | ||
| Average total assets | $41,069,500 | 6,547 |
| Average earning assets | $36,759,000 | 6,554 |
| Average equity | $4,763,000 | 6,438 |
| Average total loans | $13,685,250 | 6,799 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7330% | 6,282 |
| Cost of funding earning assets | 0.6085% | 4,829 |
| Net interest margin | 3.1245% | 5,929 |
| Noninterest income to average assets | 0.2898% | 5,486 |
| Noninterest expense to average assets | 2.3825% | 5,517 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5101% | 4,774 |
| Return on assets (ROA) | 0.5207% | 4,991 |
| Pretax return on assets | 0.7221% | 4,764 |
| Return on Equity (ROE) | 4.5058% | 5,038 |
| Retained earnings to average equity (ytd only) | 4.5058% | 3,606 |
| Net charge-offs to loans | 0.3286% | 2,716 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 6.5455% | 2,620 |
| Efficiency ratio | 77.1065% | 2,576 |
| Assets per employee ($millions) | 4.7403% | 2,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2633% | 1,649 |
| Loan loss allowance to noncurrent loans | 940.0000% | 435 |
| Noncurrent assets plus other real estate owned to assets | 0.0820% | 6,609 |
| Noncurrent loans to loans | 0.2408% | 6,092 |
| Net loans and leases to total assets | 33.3005% | 6,757 |
| Net loans and leases to deposits | 37.8853% | 6,807 |
| Net loans and leases to core deposits | 38.7545% | 6,843 |
| Total domestic deposits to total assets | 87.8982% | 2,213 |
| Equity capital to assets | 11.3189% | 2,763 |
| Core capital (leverage) ratio | 9.4623% | 4,194 |
| Tier 1 risk-based capital ratio | 19.6589% | 1,798 |
| Total risk-based capital ratio | 20.9138% | 1,764 |
| Memoranda: | ||
| Average total assets | $40,714,330 | 6,606 |
| Average earning assets | $36,485,330 | 6,606 |
| Average equity | $4,705,000 | 6,483 |
| Average total loans | $13,389,000 | 6,863 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6825% | 6,467 |
| Cost of funding earning assets | 0.6807% | 4,455 |
| Net interest margin | 3.0018% | 6,291 |
| Noninterest income to average assets | 0.2516% | 5,844 |
| Noninterest expense to average assets | 2.4761% | 5,230 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3696% | 5,386 |
| Return on assets (ROA) | 0.3926% | 5,472 |
| Pretax return on assets | 0.5133% | 5,382 |
| Return on Equity (ROE) | 3.3599% | 5,569 |
| Retained earnings to average equity (ytd only) | 3.3599% | 4,556 |
| Net charge-offs to loans | 0.7179% | 1,401 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 2.0870% | 3,316 |
| Efficiency ratio | 83.6735% | 1,718 |
| Assets per employee ($millions) | 4.5826% | 2,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4770% | 1,392 |
| Loan loss allowance to noncurrent loans | 368.5393% | 917 |
| Noncurrent assets plus other real estate owned to assets | 0.2158% | 6,347 |
| Noncurrent loans to loans | 0.6721% | 5,309 |
| Net loans and leases to total assets | 31.3120% | 6,861 |
| Net loans and leases to deposits | 35.5601% | 6,905 |
| Net loans and leases to core deposits | 36.4031% | 6,930 |
| Total domestic deposits to total assets | 88.0537% | 2,281 |
| Equity capital to assets | 11.2674% | 2,659 |
| Core capital (leverage) ratio | 9.6010% | 3,920 |
| Tier 1 risk-based capital ratio | 20.3421% | 1,633 |
| Total risk-based capital ratio | 21.5978% | 1,602 |
| Memoranda: | ||
| Average total assets | $39,740,000 | 6,693 |
| Average earning assets | $35,845,000 | 6,675 |
| Average equity | $4,643,000 | 6,532 |
| Average total loans | $12,815,500 | 6,945 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1101% | 6,265 |
| Cost of funding earning assets | 1.1905% | 2,090 |
| Net interest margin | 2.9195% | 6,659 |
| Noninterest income to average assets | 0.3530% | 4,978 |
| Noninterest expense to average assets | 3.0493% | 3,397 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -0.0940% | 6,159 |
| Return on assets (ROA) | -0.0940% | 6,236 |
| Pretax return on assets | -0.1338% | 6,227 |
| Return on Equity (ROE) | -0.7167% | 6,221 |
| Retained earnings to average equity (ytd only) | -0.7167% | 5,965 |
| Net charge-offs to loans | 0.1857% | 4,657 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | -2.1364% | 6,287 |
| Efficiency ratio | 104.5898% | 552 |
| Assets per employee ($millions) | 3.8237% | 4,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8332% | 944 |
| Loan loss allowance to noncurrent loans | 188.7097% | 1,748 |
| Noncurrent assets plus other real estate owned to assets | 0.4864% | 5,754 |
| Noncurrent loans to loans | 1.5013% | 3,894 |
| Net loans and leases to total assets | 31.4826% | 6,955 |
| Net loans and leases to deposits | 36.1317% | 6,995 |
| Net loans and leases to core deposits | 37.0674% | 7,014 |
| Total domestic deposits to total assets | 87.1329% | 2,685 |
| Equity capital to assets | 12.1322% | 2,028 |
| Core capital (leverage) ratio | 9.9658% | 3,383 |
| Tier 1 risk-based capital ratio | 21.3305% | 1,351 |
| Total risk-based capital ratio | 22.5925% | 1,324 |
| Memoranda: | ||
| Average total assets | $35,123,000 | 6,826 |
| Average earning assets | $30,826,800 | 6,843 |
| Average equity | $4,604,400 | 6,559 |
| Average total loans | $11,846,000 | 7,040 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2091% | 6,186 |
| Cost of funding earning assets | 1.3109% | 1,642 |
| Net interest margin | 2.8983% | 6,751 |
| Noninterest income to average assets | 0.3455% | 5,101 |
| Noninterest expense to average assets | 3.1329% | 3,047 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.2756% | 6,462 |
| Return on assets (ROA) | -0.2756% | 6,529 |
| Pretax return on assets | -0.2640% | 6,464 |
| Return on Equity (ROE) | -2.0597% | 6,484 |
| Retained earnings to average equity (ytd only) | -2.0597% | 6,304 |
| Net charge-offs to loans | 0.0797% | 5,177 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | -9.7170% | 6,135 |
| Efficiency ratio | 109.2016% | 441 |
| Assets per employee ($millions) | 4.5940% | 2,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9633% | 892 |
| Loan loss allowance to noncurrent loans | 762.5000% | 449 |
| Noncurrent assets plus other real estate owned to assets | 0.1306% | 6,722 |
| Noncurrent loans to loans | 0.3886% | 6,079 |
| Net loans and leases to total assets | 32.6105% | 7,009 |
| Net loans and leases to deposits | 37.7778% | 7,043 |
| Net loans and leases to core deposits | 38.4714% | 7,076 |
| Total domestic deposits to total assets | 86.3218% | 3,029 |
| Equity capital to assets | 12.7041% | 1,786 |
| Core capital (leverage) ratio | 10.1334% | 3,268 |
| Tier 1 risk-based capital ratio | 21.4958% | 1,370 |
| Total risk-based capital ratio | 22.7572% | 1,342 |
| Memoranda: | ||
| Average total assets | $34,344,500 | 6,912 |
| Average earning assets | $29,902,500 | 6,937 |
| Average equity | $4,595,750 | 6,615 |
| Average total loans | $11,710,250 | 7,114 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2876% | 6,058 |
| Cost of funding earning assets | 1.3416% | 1,692 |
| Net interest margin | 2.9460% | 6,702 |
| Noninterest income to average assets | 0.3697% | 4,914 |
| Noninterest expense to average assets | 3.2258% | 2,820 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.3756% | 6,596 |
| Return on assets (ROA) | -0.3756% | 6,628 |
| Pretax return on assets | -0.3160% | 6,542 |
| Return on Equity (ROE) | -2.7563% | 6,571 |
| Retained earnings to average equity (ytd only) | -2.7563% | 6,344 |
| Net charge-offs to loans | -0.0348% | 6,957 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.8607% | 465 |
| Assets per employee ($millions) | 3.5726% | 4,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1890% | 772 |
| Loan loss allowance to noncurrent loans | 657.8947% | 530 |
| Noncurrent assets plus other real estate owned to assets | 0.1595% | 6,694 |
| Noncurrent loans to loans | 0.4847% | 5,937 |
| Net loans and leases to total assets | 31.8647% | 7,116 |
| Net loans and leases to deposits | 36.9275% | 7,154 |
| Net loans and leases to core deposits | 38.4933% | 7,152 |
| Total domestic deposits to total assets | 86.2901% | 3,162 |
| Equity capital to assets | 12.8702% | 1,586 |
| Core capital (leverage) ratio | 11.0019% | 2,250 |
| Tier 1 risk-based capital ratio | 20.2924% | 1,556 |
| Total risk-based capital ratio | 21.5533% | 1,525 |
| Memoranda: | ||
| Average total assets | $33,542,000 | 6,998 |
| Average earning assets | $28,920,330 | 7,033 |
| Average equity | $4,571,330 | 6,660 |
| Average total loans | $11,496,670 | 7,198 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1858% | 6,313 |
| Cost of funding earning assets | 1.3906% | 1,660 |
| Net interest margin | 2.7952% | 6,910 |
| Noninterest income to average assets | 0.2589% | 5,825 |
| Noninterest expense to average assets | 3.1310% | 3,137 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.4561% | 6,780 |
| Return on assets (ROA) | -0.4561% | 6,790 |
| Pretax return on assets | -0.4191% | 6,698 |
| Return on Equity (ROE) | -3.2470% | 6,688 |
| Retained earnings to average equity (ytd only) | -3.2470% | 6,328 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.4545% | 401 |
| Assets per employee ($millions) | 3.2933% | 5,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3983% | 664 |
| Loan loss allowance to noncurrent loans | 194.2708% | 1,523 |
| Noncurrent assets plus other real estate owned to assets | 0.5830% | 5,804 |
| Noncurrent loans to loans | 1.7493% | 3,891 |
| Net loans and leases to total assets | 32.1957% | 7,161 |
| Net loans and leases to deposits | 37.6647% | 7,176 |
| Net loans and leases to core deposits | 39.7831% | 7,170 |
| Total domestic deposits to total assets | 85.4796% | 3,794 |
| Equity capital to assets | 13.7856% | 1,072 |
| Core capital (leverage) ratio | 11.5307% | 1,827 |
| Tier 1 risk-based capital ratio | 23.0238% | 1,078 |
| Total risk-based capital ratio | 24.2868% | 1,062 |
| Memoranda: | ||
| Average total assets | $32,450,000 | 7,085 |
| Average earning assets | $28,477,000 | 7,091 |
| Average equity | $4,558,000 | 6,696 |
| Average total loans | $11,365,500 | 7,256 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4703% | 2,399 |
| Cost of funding earning assets | 1.7750% | 1,275 |
| Net interest margin | 3.6953% | 4,370 |
| Noninterest income to average assets | 0.4413% | 4,587 |
| Noninterest expense to average assets | 2.8046% | 4,592 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.4829% | 4,186 |
| Return on assets (ROA) | 0.5033% | 4,244 |
| Pretax return on assets | 0.6309% | 4,225 |
| Return on Equity (ROE) | 3.0180% | 4,948 |
| Retained earnings to average equity (ytd only) | 3.0180% | 3,735 |
| Net charge-offs to loans | -1.1145% | 7,604 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2460% | 2,132 |
| Assets per employee ($millions) | 3.9959% | 3,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1731% | 749 |
| Loan loss allowance to noncurrent loans | 231.6770% | 1,325 |
| Noncurrent assets plus other real estate owned to assets | 0.5036% | 6,019 |
| Noncurrent loans to loans | 1.3696% | 4,430 |
| Net loans and leases to total assets | 35.6055% | 7,172 |
| Net loans and leases to deposits | 41.9505% | 7,182 |
| Net loans and leases to core deposits | 43.3848% | 7,224 |
| Total domestic deposits to total assets | 84.8750% | 3,916 |
| Equity capital to assets | 14.3148% | 950 |
| Core capital (leverage) ratio | 12.2830% | 1,396 |
| Tier 1 risk-based capital ratio | 23.2548% | 1,003 |
| Total risk-based capital ratio | 24.5178% | 988 |
| Memoranda: | ||
| Average total assets | $27,419,600 | 7,282 |
| Average earning assets | $22,028,000 | 7,347 |
| Average equity | $4,572,600 | 6,794 |
| Average total loans | $13,190,000 | 7,242 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9349% | 1,065 |
| Cost of funding earning assets | 1.8396% | 1,265 |
| Net interest margin | 4.0953% | 2,644 |
| Noninterest income to average assets | 0.5022% | 4,170 |
| Noninterest expense to average assets | 2.8916% | 4,130 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.6088% | 3,846 |
| Return on assets (ROA) | 0.6088% | 4,009 |
| Pretax return on assets | 0.8066% | 3,878 |
| Return on Equity (ROE) | 3.4998% | 5,008 |
| Retained earnings to average equity (ytd only) | 3.4998% | 3,994 |
| Net charge-offs to loans | -1.6532% | 7,708 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1893% | 2,599 |
| Assets per employee ($millions) | 4.1603% | 3,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6766% | 1,105 |
| Loan loss allowance to noncurrent loans | 294.0299% | 998 |
| Noncurrent assets plus other real estate owned to assets | 0.4601% | 6,274 |
| Noncurrent loans to loans | 0.9103% | 5,422 |
| Net loans and leases to total assets | 49.1930% | 6,410 |
| Net loans and leases to deposits | 59.2498% | 6,368 |
| Net loans and leases to core deposits | 60.1024% | 6,590 |
| Total domestic deposits to total assets | 83.0266% | 4,582 |
| Equity capital to assets | 15.8918% | 699 |
| Core capital (leverage) ratio | 13.2764% | 1,127 |
| Tier 1 risk-based capital ratio | 20.7015% | 1,411 |
| Total risk-based capital ratio | 21.9662% | 1,386 |
| Memoranda: | ||
| Average total assets | $26,282,750 | 7,405 |
| Average earning assets | $20,511,000 | 7,484 |
| Average equity | $4,571,750 | 6,884 |
| Average total loans | $13,548,750 | 7,320 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0388% | 861 |
| Cost of funding earning assets | 1.8871% | 1,281 |
| Net interest margin | 4.1516% | 2,330 |
| Noninterest income to average assets | 0.6394% | 3,066 |
| Noninterest expense to average assets | 3.0233% | 3,624 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.6394% | 3,685 |
| Return on assets (ROA) | 0.6394% | 3,828 |
| Pretax return on assets | 0.8288% | 3,781 |
| Return on Equity (ROE) | 3.5581% | 4,989 |
| Retained earnings to average equity (ytd only) | 3.5581% | 3,839 |
| Net charge-offs to loans | -2.5687% | 7,775 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4836% | 2,652 |
| Assets per employee ($millions) | 3.8391% | 4,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8771% | 934 |
| Loan loss allowance to noncurrent loans | 2,468.7500% | 158 |
| Noncurrent assets plus other real estate owned to assets | 0.0595% | 7,240 |
| Noncurrent loans to loans | 0.1165% | 7,034 |
| Net loans and leases to total assets | 49.6167% | 6,476 |
| Net loans and leases to deposits | 60.6532% | 6,348 |
| Net loans and leases to core deposits | 61.6060% | 6,582 |
| Total domestic deposits to total assets | 81.8040% | 5,067 |
| Equity capital to assets | 17.0871% | 515 |
| Core capital (leverage) ratio | 13.9842% | 930 |
| Tier 1 risk-based capital ratio | 22.5411% | 1,117 |
| Total risk-based capital ratio | 23.8030% | 1,097 |
| Memoranda: | ||
| Average total assets | $25,336,330 | 7,487 |
| Average earning assets | $19,606,670 | 7,569 |
| Average equity | $4,553,000 | 6,919 |
| Average total loans | $13,158,330 | 7,389 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8903% | 1,219 |
| Cost of funding earning assets | 1.8394% | 1,699 |
| Net interest margin | 4.0508% | 2,644 |
| Noninterest income to average assets | 0.3908% | 4,995 |
| Noninterest expense to average assets | 3.0121% | 3,633 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.4396% | 4,665 |
| Return on assets (ROA) | 0.4396% | 4,793 |
| Pretax return on assets | 0.5699% | 4,716 |
| Return on Equity (ROE) | 2.3823% | 5,600 |
| Retained earnings to average equity (ytd only) | 2.3823% | 4,713 |
| Net charge-offs to loans | -0.0621% | 7,405 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0909% | 2,010 |
| Assets per employee ($millions) | 3.6994% | 4,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6949% | 3,080 |
| Loan loss allowance to noncurrent loans | 223.5294% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 0.3939% | 6,487 |
| Noncurrent loans to loans | 0.7583% | 5,808 |
| Net loans and leases to total assets | 51.0658% | 6,370 |
| Net loans and leases to deposits | 62.7920% | 6,196 |
| Net loans and leases to core deposits | 63.8132% | 6,461 |
| Total domestic deposits to total assets | 81.3253% | 5,337 |
| Equity capital to assets | 17.5432% | 466 |
| Core capital (leverage) ratio | 15.3033% | 689 |
| Tier 1 risk-based capital ratio | 22.6670% | 1,124 |
| Total risk-based capital ratio | 23.9172% | 1,097 |
| Memoranda: | ||
| Average total assets | $24,567,500 | 7,602 |
| Average earning assets | $19,354,000 | 7,670 |
| Average equity | $4,533,500 | 6,989 |
| Average total loans | $12,873,000 | 7,501 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2187% | 5,562 |
| Cost of funding earning assets | 1.8268% | 3,848 |
| Net interest margin | 3.3919% | 5,399 |
| Noninterest income to average assets | 0.4296% | 4,969 |
| Noninterest expense to average assets | 3.0875% | 3,801 |
| Loan and lease loss provision to assets | 0.3132% | 4,940 |
| Net operating income to assets | -0.0940% | 5,670 |
| Return on assets (ROA) | -0.0940% | 5,676 |
| Pretax return on assets | -0.1879% | 5,689 |
| Return on Equity (ROE) | -0.4626% | 5,613 |
| Retained earnings to average equity (ytd only) | -0.4626% | 5,089 |
| Net charge-offs to loans | -0.1233% | 7,895 |
| Credit loss provision to net charge-offs | -636.3636% | 7,433 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.1003% | 1,313 |
| Assets per employee ($millions) | 3.3199% | 5,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8383% | 2,431 |
| Loan loss allowance to noncurrent loans | 1,076.1905% | 346 |
| Noncurrent assets plus other real estate owned to assets | 0.0904% | 7,269 |
| Noncurrent loans to loans | 0.1708% | 6,995 |
| Net loans and leases to total assets | 51.9299% | 6,428 |
| Net loans and leases to deposits | 65.5157% | 6,113 |
| Net loans and leases to core deposits | 71.3323% | 6,694 |
| Total domestic deposits to total assets | 79.2633% | 5,913 |
| Equity capital to assets | 19.4673% | 333 |
| Core capital (leverage) ratio | 15.5828% | 681 |
| Tier 1 risk-based capital ratio | 24.0646% | 942 |
| Total risk-based capital ratio | 25.3208% | 917 |
| Memoranda: | ||
| Average total assets | $22,348,000 | 7,720 |
| Average earning assets | $18,337,800 | 7,751 |
| Average equity | $4,540,000 | 7,100 |
| Average total loans | $8,918,800 | 7,746 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1492% | 6,113 |
| Cost of funding earning assets | 1.8096% | 4,342 |
| Net interest margin | 3.3397% | 5,493 |
| Noninterest income to average assets | 0.3555% | 5,647 |
| Noninterest expense to average assets | 3.0251% | 3,949 |
| Loan and lease loss provision to assets | 0.4218% | 3,800 |
| Net operating income to assets | -0.2471% | 6,137 |
| Return on assets (ROA) | -0.2471% | 6,143 |
| Pretax return on assets | -0.3556% | 6,148 |
| Return on Equity (ROE) | -1.2031% | 5,965 |
| Retained earnings to average equity (ytd only) | -1.2031% | 5,535 |
| Net charge-offs to loans | 0.2641% | 4,391 |
| Credit loss provision to net charge-offs | 437.5000% | 906 |
| Earnings coverage of net charge-offs (x) | 0.6878% | 5,345 |
| Efficiency ratio | 97.8558% | 1,169 |
| Assets per employee ($millions) | 3.3567% | 5,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0448% | 1,697 |
| Loan loss allowance to noncurrent loans | 414.5833% | 755 |
| Noncurrent assets plus other real estate owned to assets | 0.2043% | 7,012 |
| Noncurrent loans to loans | 0.4932% | 6,332 |
| Net loans and leases to total assets | 40.5711% | 7,435 |
| Net loans and leases to deposits | 50.9786% | 7,362 |
| Net loans and leases to core deposits | 57.1489% | 7,501 |
| Total domestic deposits to total assets | 79.5846% | 5,596 |
| Equity capital to assets | 19.1684% | 402 |
| Core capital (leverage) ratio | 15.8332% | 702 |
| Tier 1 risk-based capital ratio | 27.3464% | 723 |
| Total risk-based capital ratio | 28.5968% | 705 |
| Memoranda: | ||
| Average total assets | $22,125,250 | 7,800 |
| Average earning assets | $18,125,250 | 7,838 |
| Average equity | $4,544,000 | 7,164 |
| Average total loans | $8,075,000 | 7,857 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0474% | 6,632 |
| Cost of funding earning assets | 1.7493% | 5,019 |
| Net interest margin | 3.2981% | 5,564 |
| Noninterest income to average assets | 0.3323% | 5,851 |
| Noninterest expense to average assets | 2.9629% | 4,238 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.0831% | 5,613 |
| Return on assets (ROA) | 0.0831% | 5,709 |
| Pretax return on assets | 0.1015% | 5,671 |
| Return on Equity (ROE) | 0.3950% | 5,813 |
| Retained earnings to average equity (ytd only) | 0.3950% | 5,058 |
| Net charge-offs to loans | -0.0798% | 7,914 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6867% | 1,334 |
| Assets per employee ($millions) | 3.8588% | 3,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4659% | 3,384 |
| Loan loss allowance to noncurrent loans | 704.7619% | 483 |
| Noncurrent assets plus other real estate owned to assets | 0.0907% | 7,358 |
| Noncurrent loans to loans | 0.2080% | 6,994 |
| Net loans and leases to total assets | 42.9664% | 7,398 |
| Net loans and leases to deposits | 54.3963% | 7,249 |
| Net loans and leases to core deposits | 61.1169% | 7,410 |
| Total domestic deposits to total assets | 78.9876% | 5,818 |
| Equity capital to assets | 19.6476% | 409 |
| Core capital (leverage) ratio | 17.1160% | 603 |
| Tier 1 risk-based capital ratio | 27.3961% | 750 |
| Total risk-based capital ratio | 28.5246% | 744 |
| Memoranda: | ||
| Average total assets | $21,668,000 | 7,884 |
| Average earning assets | $17,950,000 | 7,920 |
| Average equity | $4,557,330 | 7,222 |
| Average total loans | $7,522,670 | 7,965 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0146% | 6,895 |
| Cost of funding earning assets | 1.7332% | 5,458 |
| Net interest margin | 3.2814% | 5,569 |
| Noninterest income to average assets | 0.3823% | 5,363 |
| Noninterest expense to average assets | 3.0394% | 3,593 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.0573% | 6,103 |
| Return on assets (ROA) | 0.0573% | 6,260 |
| Pretax return on assets | 0.0573% | 6,264 |
| Return on Equity (ROE) | 0.2631% | 6,349 |
| Retained earnings to average equity (ytd only) | 0.2631% | 5,552 |
| Net charge-offs to loans | -0.5131% | 8,108 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.1481% | 1,207 |
| Assets per employee ($millions) | 3.5635% | 4,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4563% | 797 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 28.4178% | 7,950 |
| Net loans and leases to deposits | 36.7797% | 7,923 |
| Net loans and leases to core deposits | 38.3054% | 8,001 |
| Total domestic deposits to total assets | 77.2649% | 6,213 |
| Equity capital to assets | 21.2993% | 345 |
| Core capital (leverage) ratio | 17.9096% | 568 |
| Tier 1 risk-based capital ratio | 36.4153% | 396 |
| Total risk-based capital ratio | 37.6738% | 387 |
| Memoranda: | ||
| Average total assets | $20,925,500 | 7,954 |
| Average earning assets | $17,309,500 | 7,984 |
| Average equity | $4,561,500 | 7,268 |
| Average total loans | $6,236,000 | 8,073 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6973% | 6,788 |
| Cost of funding earning assets | 2.1491% | 5,838 |
| Net interest margin | 3.5482% | 5,107 |
| Noninterest income to average assets | 0.4644% | 4,928 |
| Noninterest expense to average assets | 3.2052% | 3,321 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.1378% | 6,010 |
| Return on assets (ROA) | 0.1378% | 5,840 |
| Pretax return on assets | 0.1327% | 5,875 |
| Return on Equity (ROE) | 0.5960% | 6,040 |
| Retained earnings to average equity (ytd only) | -1.2803% | 5,677 |
| Net charge-offs to loans | -0.1194% | 8,114 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0245% | 1,152 |
| Assets per employee ($millions) | 3.4117% | 4,911 |
| Cash dividends to net income (ytd only)* | 314.8148% | 181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3226% | 830 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 29.7899% | 7,991 |
| Net loans and leases to deposits | 39.1802% | 7,954 |
| Net loans and leases to core deposits | 40.6290% | 8,042 |
| Total domestic deposits to total assets | 76.0332% | 6,232 |
| Equity capital to assets | 22.3205% | 336 |
| Core capital (leverage) ratio | 18.1125% | 596 |
| Tier 1 risk-based capital ratio | 36.9855% | 393 |
| Total risk-based capital ratio | 38.2338% | 386 |
| Memoranda: | ||
| Average total assets | $19,593,400 | 8,027 |
| Average earning assets | $15,867,200 | 8,076 |
| Average equity | $4,530,200 | 7,324 |
| Average total loans | $5,024,200 | 8,159 |