Home > Barwick Banking Company > Performance and Condition Ratios
Barwick Banking Company, 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 | 6.0312% | 609 |
| Cost of funding earning assets | 2.3465% | 497 |
| Net interest margin | 3.6848% | 1,790 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 2.6539% | 1,863 |
| Loan and lease loss provision to assets | 0.2800% | 387 |
| Net operating income to assets | 0.6638% | 3,285 |
| Return on assets (ROA) | 0.6795% | 3,221 |
| Pretax return on assets | 0.7759% | 3,268 |
| Return on Equity (ROE) | 8.3800% | 2,922 |
| Retained earnings to average equity (ytd only) | 8.3776% | 1,432 |
| Net charge-offs to loans | 0.1136% | 832 |
| Credit loss provision to net charge-offs | 298.6111% | 966 |
| Earnings coverage of net charge-offs (x) | 11.1333% | 2,208 |
| Efficiency ratio | 71.9199% | 1,670 |
| Assets per employee ($millions) | 8.2375% | 1,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0614% | 3,014 |
| Loan loss allowance to noncurrent loans | 2,141.8079% | 507 |
| Noncurrent assets plus other real estate owned to assets | 0.0413% | 3,332 |
| Noncurrent loans to loans | 0.0496% | 3,373 |
| Net loans and leases to total assets | 82.5000% | 388 |
| Net loans and leases to deposits | 93.6592% | 967 |
| Net loans and leases to core deposits | 119.9228% | 625 |
| Total domestic deposits to total assets | 88.0800% | 1,326 |
| Equity capital to assets | 8.3119% | 3,185 |
| Core capital (leverage) ratio | 8.5215% | 4,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7441% | 2,848 |
| Memoranda: | ||
| Average total assets | $386,895,400 | 2,054 |
| Average earning assets | $366,807,400 | 2,023 |
| Average equity | $31,381,200 | 2,205 |
| Average total loans | $316,986,600 | 1,735 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9038% | 602 |
| Cost of funding earning assets | 2.2134% | 483 |
| Net interest margin | 3.6904% | 1,797 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 2.7226% | 1,598 |
| Loan and lease loss provision to assets | 0.2900% | 324 |
| Net operating income to assets | 0.5092% | 3,744 |
| Return on assets (ROA) | 0.5092% | 3,740 |
| Pretax return on assets | 0.6923% | 3,568 |
| Return on Equity (ROE) | 6.3200% | 3,582 |
| Retained earnings to average equity (ytd only) | 6.3224% | 2,528 |
| Net charge-offs to loans | 0.1564% | 540 |
| Credit loss provision to net charge-offs | 229.1667% | 1,036 |
| Earnings coverage of net charge-offs (x) | 7.7222% | 2,222 |
| Efficiency ratio | 73.4429% | 1,408 |
| Assets per employee ($millions) | 7.8599% | 1,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1398% | 2,674 |
| Loan loss allowance to noncurrent loans | 2,090.3955% | 508 |
| Noncurrent assets plus other real estate owned to assets | 0.0433% | 3,369 |
| Noncurrent loans to loans | 0.0545% | 3,362 |
| Net loans and leases to total assets | 78.5200% | 818 |
| Net loans and leases to deposits | 86.5920% | 1,500 |
| Net loans and leases to core deposits | 109.2778% | 898 |
| Total domestic deposits to total assets | 90.6800% | 749 |
| Equity capital to assets | 8.0352% | 3,034 |
| Core capital (leverage) ratio | 8.4267% | 4,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1890% | 2,789 |
| Memoranda: | ||
| Average total assets | $376,497,000 | 2,096 |
| Average earning assets | $357,569,750 | 2,048 |
| Average equity | $30,325,500 | 2,240 |
| Average total loans | $306,940,750 | 1,768 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7124% | 625 |
| Cost of funding earning assets | 2.0286% | 470 |
| Net interest margin | 3.6838% | 1,846 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 2.7931% | 1,428 |
| Loan and lease loss provision to assets | 0.3600% | 244 |
| Net operating income to assets | 0.4260% | 3,953 |
| Return on assets (ROA) | 0.4260% | 3,956 |
| Pretax return on assets | 0.5796% | 3,833 |
| Return on Equity (ROE) | 5.2800% | 3,848 |
| Retained earnings to average equity (ytd only) | 5.2837% | 2,866 |
| Net charge-offs to loans | 0.0066% | 1,991 |
| Credit loss provision to net charge-offs | 6,500.0000% | 92 |
| Earnings coverage of net charge-offs (x) | 171.0000% | 685 |
| Efficiency ratio | 74.9193% | 1,263 |
| Assets per employee ($millions) | 7.5913% | 1,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2029% | 2,423 |
| Loan loss allowance to noncurrent loans | 738.0952% | 1,179 |
| Noncurrent assets plus other real estate owned to assets | 0.1330% | 2,619 |
| Noncurrent loans to loans | 0.1630% | 2,661 |
| Net loans and leases to total assets | 80.6200% | 569 |
| Net loans and leases to deposits | 88.5353% | 1,298 |
| Net loans and leases to core deposits | 112.4913% | 731 |
| Total domestic deposits to total assets | 91.0600% | 632 |
| Equity capital to assets | 7.7272% | 3,387 |
| Core capital (leverage) ratio | 8.2058% | 4,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6558% | 2,891 |
| Memoranda: | ||
| Average total assets | $365,758,333 | 2,145 |
| Average earning assets | $348,225,000 | 2,106 |
| Average equity | $29,487,000 | 2,284 |
| Average total loans | $301,045,000 | 1,779 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4448% | 671 |
| Cost of funding earning assets | 1.7667% | 484 |
| Net interest margin | 3.6780% | 1,946 |
| Noninterest income to average assets | 0.1700% | 3,961 |
| Noninterest expense to average assets | 2.8605% | 1,318 |
| Loan and lease loss provision to assets | 0.3100% | 269 |
| Net operating income to assets | 0.3678% | 4,137 |
| Return on assets (ROA) | 0.3678% | 4,090 |
| Pretax return on assets | 0.4999% | 3,990 |
| Return on Equity (ROE) | 4.4600% | 3,961 |
| Retained earnings to average equity (ytd only) | 4.4584% | 3,140 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 77.8915% | 1,014 |
| Assets per employee ($millions) | 7.0302% | 1,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1403% | 2,855 |
| Loan loss allowance to noncurrent loans | 9,486.4865% | 173 |
| Noncurrent assets plus other real estate owned to assets | 0.0101% | 3,766 |
| Noncurrent loans to loans | 0.0120% | 3,734 |
| Net loans and leases to total assets | 83.2400% | 284 |
| Net loans and leases to deposits | 91.7581% | 932 |
| Net loans and leases to core deposits | 118.5024% | 481 |
| Total domestic deposits to total assets | 90.7200% | 901 |
| Equity capital to assets | 7.9971% | 3,246 |
| Core capital (leverage) ratio | 8.5340% | 4,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.4265% | 3,002 |
| Memoranda: | ||
| Average total assets | $351,263,000 | 2,229 |
| Average earning assets | $334,854,000 | 2,187 |
| Average equity | $28,979,000 | 2,334 |
| Average total loans | $290,501,000 | 1,830 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4081% | 869 |
| Cost of funding earning assets | 0.6528% | 709 |
| Net interest margin | 3.7553% | 1,252 |
| Noninterest income to average assets | 0.1600% | 4,171 |
| Noninterest expense to average assets | 2.9572% | 1,030 |
| Loan and lease loss provision to assets | 0.7100% | 71 |
| Net operating income to assets | 0.1059% | 4,504 |
| Return on assets (ROA) | 0.1059% | 4,494 |
| Pretax return on assets | 0.1442% | 4,482 |
| Return on Equity (ROE) | 1.0600% | 4,481 |
| Retained earnings to average equity (ytd only) | 1.0615% | 4,185 |
| Net charge-offs to loans | 0.0044% | 2,289 |
| Credit loss provision to net charge-offs | 19,888.8889% | 36 |
| Earnings coverage of net charge-offs (x) | 239.1111% | 565 |
| Efficiency ratio | 77.5318% | 885 |
| Assets per employee ($millions) | 7.4879% | 1,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1841% | 2,469 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 80.1200% | 580 |
| Net loans and leases to deposits | 87.7150% | 1,195 |
| Net loans and leases to core deposits | 112.3117% | 540 |
| Total domestic deposits to total assets | 91.3400% | 828 |
| Equity capital to assets | 8.5243% | 2,691 |
| Core capital (leverage) ratio | 9.6909% | 2,961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3404% | 2,906 |
| Memoranda: | ||
| Average total assets | $251,113,200 | 2,722 |
| Average earning assets | $244,164,400 | 2,651 |
| Average equity | $25,058,800 | 2,581 |
| Average total loans | $205,670,600 | 2,190 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1211% | 1,029 |
| Cost of funding earning assets | 0.4926% | 775 |
| Net interest margin | 3.6285% | 1,323 |
| Noninterest income to average assets | 0.1500% | 4,253 |
| Noninterest expense to average assets | 2.9987% | 905 |
| Loan and lease loss provision to assets | 0.6900% | 68 |
| Net operating income to assets | 0.0023% | 4,586 |
| Return on assets (ROA) | 0.0023% | 4,559 |
| Pretax return on assets | 0.0029% | 4,554 |
| Return on Equity (ROE) | 0.0200% | 4,559 |
| Retained earnings to average equity (ytd only) | 0.0221% | 4,326 |
| Net charge-offs to loans | 0.0028% | 2,143 |
| Credit loss provision to net charge-offs | 29,750.0000% | 18 |
| Earnings coverage of net charge-offs (x) | 298.7500% | 473 |
| Efficiency ratio | 81.1979% | 702 |
| Assets per employee ($millions) | 6.9574% | 1,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1828% | 2,617 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 77.3200% | 772 |
| Net loans and leases to deposits | 85.4729% | 1,203 |
| Net loans and leases to core deposits | 100.8076% | 784 |
| Total domestic deposits to total assets | 90.4700% | 1,444 |
| Equity capital to assets | 9.3742% | 1,968 |
| Core capital (leverage) ratio | 9.7616% | 2,797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8240% | 2,543 |
| Memoranda: | ||
| Average total assets | $229,653,000 | 2,863 |
| Average earning assets | $224,367,500 | 2,798 |
| Average equity | $24,142,750 | 2,679 |
| Average total loans | $188,790,250 | 2,324 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8339% | 1,236 |
| Cost of funding earning assets | 0.3843% | 1,027 |
| Net interest margin | 3.4497% | 1,455 |
| Noninterest income to average assets | 0.0872% | 4,536 |
| Noninterest expense to average assets | 3.0987% | 732 |
| Loan and lease loss provision to assets | 0.8431% | 57 |
| Net operating income to assets | -0.3590% | 4,664 |
| Return on assets (ROA) | -0.3590% | 4,643 |
| Pretax return on assets | -0.4879% | 4,654 |
| Return on Equity (ROE) | -3.2564% | 4,648 |
| Retained earnings to average equity (ytd only) | -3.2564% | 4,468 |
| Net charge-offs to loans | 0.0045% | 1,856 |
| Credit loss provision to net charge-offs | 22,250.0000% | 25 |
| Earnings coverage of net charge-offs (x) | 93.7500% | 850 |
| Efficiency ratio | 89.6902% | 420 |
| Assets per employee ($millions) | 6.7306% | 2,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1032% | 3,149 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 79.9173% | 411 |
| Net loans and leases to deposits | 88.4475% | 805 |
| Net loans and leases to core deposits | 101.5928% | 608 |
| Total domestic deposits to total assets | 90.3556% | 1,545 |
| Equity capital to assets | 9.4764% | 2,035 |
| Core capital (leverage) ratio | 10.5525% | 1,903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3425% | 2,719 |
| Memoranda: | ||
| Average total assets | $211,120,000 | 3,024 |
| Average earning assets | $206,107,667 | 2,948 |
| Average equity | $23,277,000 | 2,796 |
| Average total loans | $177,317,667 | 2,398 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6722% | 1,332 |
| Cost of funding earning assets | 0.2879% | 1,755 |
| Net interest margin | 3.3843% | 1,335 |
| Noninterest income to average assets | 0.0755% | 4,589 |
| Noninterest expense to average assets | 3.3586% | 489 |
| Loan and lease loss provision to assets | 1.1433% | 37 |
| Net operating income to assets | -0.8348% | 4,729 |
| Return on assets (ROA) | -0.8348% | 4,724 |
| Pretax return on assets | -1.1346% | 4,733 |
| Return on Equity (ROE) | -6.8867% | 4,722 |
| Retained earnings to average equity (ytd only) | -6.8867% | 4,487 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.6161% | 250 |
| Assets per employee ($millions) | 6.1626% | 2,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0819% | 3,411 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 86.5761% | 45 |
| Net loans and leases to deposits | 97.5358% | 245 |
| Net loans and leases to core deposits | 107.6627% | 311 |
| Total domestic deposits to total assets | 88.7634% | 2,183 |
| Equity capital to assets | 11.1774% | 1,252 |
| Core capital (leverage) ratio | 12.1229% | 1,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0953% | 2,576 |
| Memoranda: | ||
| Average total assets | $185,433,000 | 3,200 |
| Average earning assets | $180,600,000 | 3,135 |
| Average equity | $22,478,000 | 2,945 |
| Average total loans | $159,917,500 | 2,552 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2334% | 3,394 |
| Cost of funding earning assets | 0.2192% | 3,266 |
| Net interest margin | 3.0142% | 3,157 |
| Noninterest income to average assets | 0.2599% | 3,821 |
| Noninterest expense to average assets | 4.5458% | 210 |
| Loan and lease loss provision to assets | 1.3579% | 19 |
| Net operating income to assets | -2.0029% | 4,814 |
| Return on assets (ROA) | -2.0029% | 4,813 |
| Pretax return on assets | -2.7253% | 4,816 |
| Return on Equity (ROE) | -10.1438% | 4,806 |
| Retained earnings to average equity (ytd only) | -10.1438% | 4,770 |
| Net charge-offs to loans | 0.0308% | 1,621 |
| Credit loss provision to net charge-offs | 5,818.1818% | 127 |
| Earnings coverage of net charge-offs (x) | -58.5909% | 2,693 |
| Efficiency ratio | 143.0718% | 44 |
| Assets per employee ($millions) | 5.0418% | 3,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0656% | 3,495 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 83.6726% | 120 |
| Net loans and leases to deposits | 96.6293% | 294 |
| Net loans and leases to core deposits | 101.6016% | 470 |
| Total domestic deposits to total assets | 86.5913% | 2,673 |
| Equity capital to assets | 13.3485% | 810 |
| Core capital (leverage) ratio | 15.2758% | 428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3032% | 1,741 |
| Memoranda: | ||
| Average total assets | $94,263,400 | 4,051 |
| Average earning assets | $91,234,000 | 4,000 |
| Average equity | $18,612,400 | 3,337 |
| Average total loans | $71,333,200 | 3,621 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1380% | 3,730 |
| Cost of funding earning assets | 0.2170% | 3,451 |
| Net interest margin | 2.9210% | 3,503 |
| Noninterest income to average assets | 0.3286% | 3,460 |
| Noninterest expense to average assets | 5.1133% | 171 |
| Loan and lease loss provision to assets | 1.3420% | 15 |
| Net operating income to assets | -2.4104% | 4,892 |
| Return on assets (ROA) | -2.4104% | 4,892 |
| Pretax return on assets | -3.3016% | 4,896 |
| Return on Equity (ROE) | -10.4463% | 4,882 |
| Retained earnings to average equity (ytd only) | -10.4463% | 4,850 |
| Net charge-offs to loans | 0.0024% | 2,281 |
| Credit loss provision to net charge-offs | 78,000.0000% | 7 |
| Earnings coverage of net charge-offs (x) | -1,139.0000% | 2,460 |
| Efficiency ratio | 162.1386% | 31 |
| Assets per employee ($millions) | 4.1501% | 4,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0572% | 3,630 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 73.2896% | 747 |
| Net loans and leases to deposits | 87.4332% | 743 |
| Net loans and leases to core deposits | 94.0827% | 823 |
| Total domestic deposits to total assets | 83.8236% | 3,502 |
| Equity capital to assets | 16.0632% | 410 |
| Core capital (leverage) ratio | 17.9005% | 266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4942% | 883 |
| Memoranda: | ||
| Average total assets | $77,495,250 | 4,308 |
| Average earning assets | $74,949,500 | 4,250 |
| Average equity | $17,881,500 | 3,437 |
| Average total loans | $55,054,500 | 3,962 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1090% | 3,851 |
| Cost of funding earning assets | 0.1983% | 3,768 |
| Net interest margin | 2.9107% | 3,555 |
| Noninterest income to average assets | 0.0453% | 4,846 |
| Noninterest expense to average assets | 5.9586% | 127 |
| Loan and lease loss provision to assets | 1.6821% | 13 |
| Net operating income to assets | -3.5034% | 4,935 |
| Return on assets (ROA) | -3.5034% | 4,935 |
| Pretax return on assets | -4.7908% | 4,938 |
| Return on Equity (ROE) | -12.6109% | 4,923 |
| Retained earnings to average equity (ytd only) | -12.6109% | 4,888 |
| Net charge-offs to loans | 0.0047% | 1,979 |
| Credit loss provision to net charge-offs | 52,000.0000% | 9 |
| Earnings coverage of net charge-offs (x) | -961.0000% | 2,244 |
| Efficiency ratio | 209.3182% | 21 |
| Assets per employee ($millions) | 3.9785% | 4,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0440% | 3,660 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 74.0648% | 743 |
| Net loans and leases to deposits | 94.8391% | 427 |
| Net loans and leases to core deposits | 99.9572% | 660 |
| Total domestic deposits to total assets | 78.0952% | 4,421 |
| Equity capital to assets | 21.6983% | 137 |
| Core capital (leverage) ratio | 25.4579% | 86 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.3291% | 288 |
| Memoranda: | ||
| Average total assets | $61,826,333 | 4,516 |
| Average earning assets | $59,504,667 | 4,480 |
| Average equity | $17,175,667 | 3,494 |
| Average total loans | $42,665,333 | 4,220 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6858% | 4,495 |
| Cost of funding earning assets | 0.2045% | 3,867 |
| Net interest margin | 2.4812% | 4,327 |
| Noninterest income to average assets | 0.0341% | 4,881 |
| Noninterest expense to average assets | 6.9296% | 108 |
| Loan and lease loss provision to assets | 1.6175% | 19 |
| Net operating income to assets | -4.4863% | 4,965 |
| Return on assets (ROA) | -4.4863% | 4,965 |
| Pretax return on assets | -6.1379% | 4,968 |
| Return on Equity (ROE) | -13.3114% | 4,948 |
| Retained earnings to average equity (ytd only) | -13.3114% | 4,864 |
| Net charge-offs to loans | 0.0134% | 1,474 |
| Credit loss provision to net charge-offs | 19,000.0000% | 27 |
| Earnings coverage of net charge-offs (x) | -531.0000% | 1,928 |
| Efficiency ratio | 287.6325% | 10 |
| Assets per employee ($millions) | 3.1910% | 4,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9427% | 4,041 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 66.7255% | 1,695 |
| Net loans and leases to deposits | 99.4273% | 305 |
| Net loans and leases to core deposits | 107.7737% | 464 |
| Total domestic deposits to total assets | 67.1098% | 4,820 |
| Equity capital to assets | 32.6906% | 52 |
| Core capital (leverage) ratio | 41.4194% | 41 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.0951% | 125 |
| Memoranda: | ||
| Average total assets | $46,987,000 | 4,706 |
| Average earning assets | $44,977,500 | 4,671 |
| Average equity | $15,836,000 | 3,609 |
| Average total loans | $29,754,000 | 4,496 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0071% | 4,916 |
| Cost of funding earning assets | 0.3109% | 4,082 |
| Net interest margin | 1.6962% | 4,899 |
| Noninterest income to average assets | 0.0866% | 4,782 |
| Noninterest expense to average assets | 6.3597% | 116 |
| Loan and lease loss provision to assets | 0.7892% | 159 |
| Net operating income to assets | -4.0910% | 4,983 |
| Return on assets (ROA) | -3.4675% | 4,979 |
| Pretax return on assets | -4.6946% | 4,986 |
| Return on Equity (ROE) | -13.8968% | 4,965 |
| Retained earnings to average equity (ytd only) | -13.8968% | 4,941 |
| Net charge-offs to loans | 0.0710% | 1,779 |
| Credit loss provision to net charge-offs | 3,875.0000% | 272 |
| Earnings coverage of net charge-offs (x) | -230.5000% | 3,439 |
| Efficiency ratio | 380.7927% | 8 |
| Assets per employee ($millions) | 2.2111% | 4,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0499% | 3,689 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 55.6939% | 3,329 |
| Net loans and leases to deposits | 86.1688% | 1,241 |
| Net loans and leases to core deposits | 90.3807% | 1,496 |
| Total domestic deposits to total assets | 64.6335% | 4,871 |
| Equity capital to assets | 35.1976% | 49 |
| Core capital (leverage) ratio | 43.3073% | 38 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 51.9193% | 71 |
| Memoranda: | ||
| Average total assets | $19,639,400 | 4,958 |
| Average earning assets | $18,335,200 | 4,943 |
| Average equity | $4,900,400 | 4,766 |
| Average total loans | $5,634,600 | 4,946 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0496% | 4,961 |
| Cost of funding earning assets | 0.3726% | 3,948 |
| Net interest margin | 1.6769% | 4,948 |
| Noninterest income to average assets | 0.1148% | 4,705 |
| Noninterest expense to average assets | 4.7157% | 214 |
| Loan and lease loss provision to assets | 0.0800% | 3,313 |
| Net operating income to assets | -2.3889% | 4,994 |
| Return on assets (ROA) | -1.4106% | 4,970 |
| Pretax return on assets | -1.8945% | 4,984 |
| Return on Equity (ROE) | -7.1508% | 4,940 |
| Retained earnings to average equity (ytd only) | -7.1508% | 4,890 |
| Net charge-offs to loans | 0.0561% | 1,808 |
| Credit loss provision to net charge-offs | 1,000.0000% | 820 |
| Earnings coverage of net charge-offs (x) | -372.0000% | 3,239 |
| Efficiency ratio | 283.2512% | 13 |
| Assets per employee ($millions) | 2.0711% | 4,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1390% | 2,984 |
| Loan loss allowance to noncurrent loans | 1,800.0000% | 369 |
| Noncurrent assets plus other real estate owned to assets | 0.0145% | 4,418 |
| Noncurrent loans to loans | 0.0633% | 4,116 |
| Net loans and leases to total assets | 22.6305% | 4,907 |
| Net loans and leases to deposits | 34.1369% | 4,853 |
| Net loans and leases to core deposits | 34.1369% | 4,873 |
| Total domestic deposits to total assets | 66.2933% | 4,845 |
| Equity capital to assets | 33.6633% | 51 |
| Core capital (leverage) ratio | 36.2130% | 47 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 104.0813% | 32 |
| Memoranda: | ||
| Average total assets | $16,257,500 | 5,009 |
| Average earning assets | $15,027,250 | 4,997 |
| Average equity | $3,207,000 | 4,928 |
| Average total loans | $2,376,250 | 4,999 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2479% | 5,002 |
| Cost of funding earning assets | 0.4408% | 3,839 |
| Net interest margin | 1.8071% | 4,982 |
| Noninterest income to average assets | 0.1354% | 4,624 |
| Noninterest expense to average assets | 2.5993% | 2,668 |
| Loan and lease loss provision to assets | 0.0135% | 4,056 |
| Net operating income to assets | -0.8123% | 4,947 |
| Return on assets (ROA) | 1.2320% | 1,665 |
| Pretax return on assets | 1.2320% | 2,249 |
| Return on Equity (ROE) | 9.3238% | 2,242 |
| Retained earnings to average equity (ytd only) | 9.3238% | 931 |
| Net charge-offs to loans | 0.1259% | 1,089 |
| Credit loss provision to net charge-offs | 100.0000% | 2,394 |
| Earnings coverage of net charge-offs (x) | -59.0000% | 3,020 |
| Efficiency ratio | 144.3609% | 46 |
| Assets per employee ($millions) | 2.8443% | 4,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1048% | 374 |
| Loan loss allowance to noncurrent loans | 2,250.0000% | 275 |
| Noncurrent assets plus other real estate owned to assets | 0.0117% | 4,516 |
| Noncurrent loans to loans | 0.0935% | 4,090 |
| Net loans and leases to total assets | 12.2642% | 5,002 |
| Net loans and leases to deposits | 14.7166% | 5,004 |
| Net loans and leases to core deposits | 14.7166% | 4,999 |
| Total domestic deposits to total assets | 83.3353% | 2,982 |
| Equity capital to assets | 16.6237% | 409 |
| Core capital (leverage) ratio | 19.3428% | 237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 78.7995% | 39 |
| Memoranda: | ||
| Average total assets | $14,773,000 | 5,047 |
| Average earning assets | $13,613,000 | 5,037 |
| Average equity | $1,952,000 | 5,036 |
| Average total loans | $1,588,000 | 5,034 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4039% | 5,060 |
| Cost of funding earning assets | 0.5693% | 3,595 |
| Net interest margin | 1.8346% | 5,040 |
| Noninterest income to average assets | 0.1468% | 4,630 |
| Noninterest expense to average assets | 2.3484% | 3,662 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.4990% | 4,929 |
| Return on assets (ROA) | 0.8219% | 2,913 |
| Pretax return on assets | 0.8219% | 3,354 |
| Return on Equity (ROE) | 7.4197% | 2,772 |
| Retained earnings to average equity (ytd only) | 7.4197% | 1,405 |
| Net charge-offs to loans | 0.3046% | 482 |
| Credit loss provision to net charge-offs | 100.0000% | 1,808 |
| Earnings coverage of net charge-offs (x) | -17.0000% | 2,541 |
| Efficiency ratio | 126.9841% | 86 |
| Assets per employee ($millions) | 2.2042% | 5,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2166% | 118 |
| Loan loss allowance to noncurrent loans | 2,250.0000% | 266 |
| Noncurrent assets plus other real estate owned to assets | 0.0151% | 4,566 |
| Noncurrent loans to loans | 0.1430% | 3,950 |
| Net loans and leases to total assets | 10.2382% | 5,060 |
| Net loans and leases to deposits | 11.6323% | 5,063 |
| Net loans and leases to core deposits | 11.6323% | 5,058 |
| Total domestic deposits to total assets | 88.0151% | 1,100 |
| Equity capital to assets | 11.7807% | 2,227 |
| Core capital (leverage) ratio | 10.8629% | 2,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 92.9187% | 38 |
| Memoranda: | ||
| Average total assets | $13,626,500 | 5,100 |
| Average earning assets | $12,646,000 | 5,089 |
| Average equity | $1,509,500 | 5,099 |
| Average total loans | $1,313,000 | 5,083 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7875% | 5,092 |
| Cost of funding earning assets | 0.7251% | 3,039 |
| Net interest margin | 2.0625% | 5,086 |
| Noninterest income to average assets | 0.1615% | 4,686 |
| Noninterest expense to average assets | 2.2604% | 4,045 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | -0.1384% | 5,012 |
| Return on assets (ROA) | -0.0923% | 5,013 |
| Pretax return on assets | -0.0846% | 5,003 |
| Return on Equity (ROE) | -1.1416% | 5,018 |
| Retained earnings to average equity (ytd only) | -1.1416% | 4,816 |
| Net charge-offs to loans | 0.0840% | 1,916 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | -17.0000% | 3,697 |
| Efficiency ratio | 106.1372% | 125 |
| Assets per employee ($millions) | 4.6760% | 2,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6675% | 77 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 8.4260% | 5,122 |
| Net loans and leases to deposits | 9.4101% | 5,133 |
| Net loans and leases to core deposits | 9.4101% | 5,127 |
| Total domestic deposits to total assets | 89.5423% | 477 |
| Equity capital to assets | 10.4149% | 3,526 |
| Core capital (leverage) ratio | 11.4714% | 2,130 |
| Tier 1 risk-based capital ratio | 109.7671% | 42 |
| Total risk-based capital ratio | 111.0443% | 42 |
| Memoranda: | ||
| Average total assets | $13,006,800 | 5,161 |
| Average earning assets | $12,412,400 | 5,147 |
| Average equity | $1,051,200 | 5,171 |
| Average total loans | $1,190,800 | 5,144 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8844% | 5,173 |
| Cost of funding earning assets | 0.7568% | 2,935 |
| Net interest margin | 2.1276% | 5,163 |
| Noninterest income to average assets | 0.1778% | 4,653 |
| Noninterest expense to average assets | 2.2376% | 4,102 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | -0.0314% | 5,071 |
| Return on assets (ROA) | 0.0314% | 5,068 |
| Pretax return on assets | 0.0314% | 5,066 |
| Return on Equity (ROE) | 0.4216% | 5,060 |
| Retained earnings to average equity (ytd only) | 0.4216% | 4,683 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.4218% | 141 |
| Assets per employee ($millions) | 4.0250% | 3,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9164% | 65 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 9.1429% | 5,203 |
| Net loans and leases to deposits | 9.9343% | 5,210 |
| Net loans and leases to core deposits | 9.9343% | 5,204 |
| Total domestic deposits to total assets | 92.0331% | 38 |
| Equity capital to assets | 7.8675% | 5,156 |
| Core capital (leverage) ratio | 7.6403% | 5,175 |
| Tier 1 risk-based capital ratio | 74.9211% | 64 |
| Total risk-based capital ratio | 76.1830% | 61 |
| Memoranda: | ||
| Average total assets | $12,751,500 | 5,243 |
| Average earning assets | $12,157,250 | 5,224 |
| Average equity | $948,750 | 5,249 |
| Average total loans | $1,181,750 | 5,221 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8249% | 5,241 |
| Cost of funding earning assets | 0.7103% | 3,111 |
| Net interest margin | 2.1147% | 5,230 |
| Noninterest income to average assets | 0.1387% | 4,876 |
| Noninterest expense to average assets | 2.1731% | 4,290 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -0.0154% | 5,102 |
| Return on assets (ROA) | 0.0616% | 5,084 |
| Pretax return on assets | 0.0616% | 5,087 |
| Return on Equity (ROE) | 0.8436% | 5,060 |
| Retained earnings to average equity (ytd only) | 0.8436% | 4,479 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.7143% | 154 |
| Assets per employee ($millions) | 4.2223% | 3,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5914% | 78 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 9.5366% | 5,251 |
| Net loans and leases to deposits | 10.3195% | 5,258 |
| Net loans and leases to core deposits | 10.3195% | 5,252 |
| Total domestic deposits to total assets | 92.4134% | 25 |
| Equity capital to assets | 7.4998% | 5,236 |
| Core capital (leverage) ratio | 7.2502% | 5,253 |
| Tier 1 risk-based capital ratio | 69.6481% | 68 |
| Total risk-based capital ratio | 70.8944% | 67 |
| Memoranda: | ||
| Average total assets | $12,977,000 | 5,286 |
| Average earning assets | $12,389,670 | 5,271 |
| Average equity | $948,330 | 5,296 |
| Average total loans | $1,192,670 | 5,269 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8376% | 5,303 |
| Cost of funding earning assets | 0.6695% | 3,205 |
| Net interest margin | 2.1680% | 5,285 |
| Noninterest income to average assets | 0.1218% | 5,007 |
| Noninterest expense to average assets | 2.1322% | 4,413 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.0609% | 5,111 |
| Return on assets (ROA) | 0.0609% | 5,116 |
| Pretax return on assets | 0.0609% | 5,117 |
| Return on Equity (ROE) | 0.8443% | 5,089 |
| Retained earnings to average equity (ytd only) | 0.8443% | 4,354 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.2222% | 208 |
| Assets per employee ($millions) | 4.3437% | 3,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0835% | 57 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 8.1114% | 5,316 |
| Net loans and leases to deposits | 8.7551% | 5,320 |
| Net loans and leases to core deposits | 8.7551% | 5,314 |
| Total domestic deposits to total assets | 92.6483% | 33 |
| Equity capital to assets | 7.2750% | 5,288 |
| Core capital (leverage) ratio | 7.2699% | 5,303 |
| Tier 1 risk-based capital ratio | 80.2710% | 53 |
| Total risk-based capital ratio | 81.5411% | 53 |
| Memoranda: | ||
| Average total assets | $13,132,000 | 5,344 |
| Average earning assets | $12,546,000 | 5,329 |
| Average equity | $947,500 | 5,355 |
| Average total loans | $1,162,500 | 5,329 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5336% | 5,341 |
| Cost of funding earning assets | 0.4266% | 3,820 |
| Net interest margin | 2.1070% | 5,323 |
| Noninterest income to average assets | 0.2657% | 4,339 |
| Noninterest expense to average assets | 2.4415% | 3,766 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | -0.1744% | 5,268 |
| Return on assets (ROA) | -0.1495% | 5,260 |
| Pretax return on assets | -0.1412% | 5,257 |
| Return on Equity (ROE) | -1.8707% | 5,270 |
| Retained earnings to average equity (ytd only) | -1.8707% | 5,123 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.2993% | 94 |
| Assets per employee ($millions) | 4.4110% | 3,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6795% | 71 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 8.9020% | 5,356 |
| Net loans and leases to deposits | 9.5913% | 5,362 |
| Net loans and leases to core deposits | 9.5913% | 5,356 |
| Total domestic deposits to total assets | 92.8134% | 41 |
| Equity capital to assets | 7.1564% | 5,319 |
| Core capital (leverage) ratio | 8.0713% | 5,216 |
| Tier 1 risk-based capital ratio | 72.4560% | 60 |
| Total risk-based capital ratio | 73.7567% | 60 |
| Memoranda: | ||
| Average total assets | $12,041,800 | 5,394 |
| Average earning assets | $11,485,600 | 5,380 |
| Average equity | $962,200 | 5,400 |
| Average total loans | $1,373,000 | 5,375 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6554% | 5,386 |
| Cost of funding earning assets | 0.3811% | 3,990 |
| Net interest margin | 2.2743% | 5,361 |
| Noninterest income to average assets | 0.2725% | 4,331 |
| Noninterest expense to average assets | 2.4296% | 3,786 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.0113% | 5,294 |
| Return on assets (ROA) | 0.0113% | 5,291 |
| Pretax return on assets | 0.0113% | 5,289 |
| Return on Equity (ROE) | 0.1377% | 5,289 |
| Retained earnings to average equity (ytd only) | 0.1377% | 5,010 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.5349% | 162 |
| Assets per employee ($millions) | 3.5740% | 4,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4589% | 87 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 11.7142% | 5,420 |
| Net loans and leases to deposits | 12.8834% | 5,425 |
| Net loans and leases to core deposits | 12.8834% | 5,421 |
| Total domestic deposits to total assets | 90.9252% | 238 |
| Equity capital to assets | 9.0095% | 4,539 |
| Core capital (leverage) ratio | 8.7405% | 4,930 |
| Tier 1 risk-based capital ratio | 68.1722% | 66 |
| Total risk-based capital ratio | 69.4425% | 64 |
| Memoranda: | ||
| Average total assets | $11,744,000 | 5,466 |
| Average earning assets | $11,197,250 | 5,451 |
| Average equity | $966,000 | 5,472 |
| Average total loans | $1,410,500 | 5,446 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5939% | 5,458 |
| Cost of funding earning assets | 0.3113% | 4,337 |
| Net interest margin | 2.2826% | 5,423 |
| Noninterest income to average assets | 0.2317% | 4,632 |
| Noninterest expense to average assets | 2.3832% | 3,940 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.0331% | 5,325 |
| Return on assets (ROA) | 0.0331% | 5,320 |
| Pretax return on assets | 0.0331% | 5,323 |
| Return on Equity (ROE) | 0.4141% | 5,312 |
| Retained earnings to average equity (ytd only) | 0.4141% | 4,886 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.6301% | 189 |
| Assets per employee ($millions) | 3.7810% | 4,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5686% | 77 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 10.7203% | 5,486 |
| Net loans and leases to deposits | 11.7261% | 5,492 |
| Net loans and leases to core deposits | 11.7261% | 5,487 |
| Total domestic deposits to total assets | 91.4220% | 168 |
| Equity capital to assets | 8.5251% | 4,921 |
| Core capital (leverage) ratio | 8.5273% | 5,089 |
| Tier 1 risk-based capital ratio | 70.7388% | 64 |
| Total risk-based capital ratio | 71.9824% | 64 |
| Memoranda: | ||
| Average total assets | $12,084,670 | 5,528 |
| Average earning assets | $11,565,670 | 5,515 |
| Average equity | $966,000 | 5,535 |
| Average total loans | $1,447,000 | 5,510 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5461% | 5,525 |
| Cost of funding earning assets | 0.3015% | 4,339 |
| Net interest margin | 2.2446% | 5,488 |
| Noninterest income to average assets | 0.1927% | 4,865 |
| Noninterest expense to average assets | 2.3122% | 4,168 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.0321% | 5,366 |
| Return on assets (ROA) | 0.0321% | 5,363 |
| Pretax return on assets | 0.0321% | 5,371 |
| Return on Equity (ROE) | 0.4143% | 5,353 |
| Retained earnings to average equity (ytd only) | 0.4143% | 4,739 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.6301% | 198 |
| Assets per employee ($millions) | 3.8303% | 4,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2562% | 116 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 11.6352% | 5,548 |
| Net loans and leases to deposits | 12.7091% | 5,555 |
| Net loans and leases to core deposits | 12.7091% | 5,547 |
| Total domestic deposits to total assets | 91.5499% | 180 |
| Equity capital to assets | 8.4066% | 5,042 |
| Core capital (leverage) ratio | 7.8187% | 5,440 |
| Tier 1 risk-based capital ratio | 65.7143% | 75 |
| Total risk-based capital ratio | 67.0068% | 74 |
| Memoranda: | ||
| Average total assets | $12,455,500 | 5,590 |
| Average earning assets | $11,940,000 | 5,577 |
| Average equity | $965,500 | 5,599 |
| Average total loans | $1,540,000 | 5,571 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2935% | 5,588 |
| Cost of funding earning assets | 0.2846% | 4,277 |
| Net interest margin | 2.0089% | 5,571 |
| Noninterest income to average assets | 0.2255% | 4,791 |
| Noninterest expense to average assets | 2.4644% | 3,900 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -0.3060% | 5,477 |
| Return on assets (ROA) | -0.2899% | 5,472 |
| Pretax return on assets | -0.2899% | 5,515 |
| Return on Equity (ROE) | -3.6802% | 5,513 |
| Retained earnings to average equity (ytd only) | -3.6802% | 5,385 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.1791% | 83 |
| Assets per employee ($millions) | 4.4733% | 3,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6502% | 207 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 12.3174% | 5,615 |
| Net loans and leases to deposits | 13.2750% | 5,623 |
| Net loans and leases to core deposits | 13.2750% | 5,616 |
| Total domestic deposits to total assets | 92.7869% | 38 |
| Equity capital to assets | 7.1908% | 5,572 |
| Core capital (leverage) ratio | 7.6460% | 5,531 |
| Tier 1 risk-based capital ratio | 53.3444% | 105 |
| Total risk-based capital ratio | 54.6158% | 103 |
| Memoranda: | ||
| Average total assets | $12,416,600 | 5,653 |
| Average earning assets | $11,946,800 | 5,639 |
| Average equity | $978,200 | 5,662 |
| Average total loans | $1,751,200 | 5,640 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2871% | 5,652 |
| Cost of funding earning assets | 0.2845% | 4,271 |
| Net interest margin | 2.0027% | 5,642 |
| Noninterest income to average assets | 0.2192% | 4,908 |
| Noninterest expense to average assets | 2.5207% | 3,663 |
| Loan and lease loss provision to assets | 0.0109% | 3,921 |
| Net operating income to assets | -0.3836% | 5,615 |
| Return on assets (ROA) | -0.3617% | 5,610 |
| Pretax return on assets | -0.3617% | 5,604 |
| Return on Equity (ROE) | -4.4829% | 5,628 |
| Retained earnings to average equity (ytd only) | -4.4829% | 5,531 |
| Net charge-offs to loans | 0.0754% | 2,064 |
| Credit loss provision to net charge-offs | 100.0000% | 2,276 |
| Earnings coverage of net charge-offs (x) | -34.0827% | 3,785 |
| Efficiency ratio | 117.3469% | 69 |
| Assets per employee ($millions) | 3.6440% | 4,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2659% | 366 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 17.7552% | 5,651 |
| Net loans and leases to deposits | 19.4880% | 5,661 |
| Net loans and leases to core deposits | 19.4880% | 5,662 |
| Total domestic deposits to total assets | 91.1087% | 161 |
| Equity capital to assets | 8.8456% | 5,036 |
| Core capital (leverage) ratio | 8.5818% | 5,184 |
| Tier 1 risk-based capital ratio | 45.5059% | 158 |
| Total risk-based capital ratio | 46.7765% | 156 |
| Memoranda: | ||
| Average total assets | $12,165,750 | 5,718 |
| Average earning assets | $11,717,250 | 5,706 |
| Average equity | $981,500 | 5,729 |
| Average total loans | $1,764,500 | 5,703 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2000% | 5,714 |
| Cost of funding earning assets | 0.2791% | 4,302 |
| Net interest margin | 1.9209% | 5,705 |
| Noninterest income to average assets | 0.1908% | 5,096 |
| Noninterest expense to average assets | 2.4807% | 3,811 |
| Loan and lease loss provision to assets | 0.0159% | 3,638 |
| Net operating income to assets | -0.4453% | 5,675 |
| Return on assets (ROA) | -0.4135% | 5,666 |
| Pretax return on assets | -0.4135% | 5,653 |
| Return on Equity (ROE) | -5.2721% | 5,686 |
| Retained earnings to average equity (ytd only) | -5.2721% | 5,543 |
| Net charge-offs to loans | 0.1183% | 1,458 |
| Credit loss provision to net charge-offs | 100.0000% | 2,001 |
| Earnings coverage of net charge-offs (x) | -27.0000% | 3,496 |
| Efficiency ratio | 120.9302% | 63 |
| Assets per employee ($millions) | 3.9580% | 4,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3709% | 340 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 15.6055% | 5,715 |
| Net loans and leases to deposits | 17.0109% | 5,723 |
| Net loans and leases to core deposits | 17.0109% | 5,724 |
| Total domestic deposits to total assets | 91.7383% | 98 |
| Equity capital to assets | 8.2112% | 5,441 |
| Core capital (leverage) ratio | 8.2972% | 5,357 |
| Tier 1 risk-based capital ratio | 48.5075% | 131 |
| Total risk-based capital ratio | 49.7512% | 132 |
| Memoranda: | ||
| Average total assets | $12,577,000 | 5,767 |
| Average earning assets | $12,182,000 | 5,753 |
| Average equity | $986,330 | 5,780 |
| Average total loans | $1,690,670 | 5,754 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1318% | 5,784 |
| Cost of funding earning assets | 0.2545% | 4,500 |
| Net interest margin | 1.8773% | 5,774 |
| Noninterest income to average assets | 0.1856% | 5,164 |
| Noninterest expense to average assets | 2.5989% | 3,511 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.5878% | 5,748 |
| Return on assets (ROA) | -0.5260% | 5,741 |
| Pretax return on assets | -0.5260% | 5,733 |
| Return on Equity (ROE) | -6.8548% | 5,758 |
| Retained earnings to average equity (ytd only) | -6.8548% | 5,482 |
| Net charge-offs to loans | 0.2520% | 715 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | -19.0000% | 2,927 |
| Efficiency ratio | 129.2308% | 56 |
| Assets per employee ($millions) | 3.8993% | 4,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5803% | 288 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 14.5239% | 5,790 |
| Net loans and leases to deposits | 15.8622% | 5,790 |
| Net loans and leases to core deposits | 15.8622% | 5,791 |
| Total domestic deposits to total assets | 91.5627% | 169 |
| Equity capital to assets | 8.4031% | 5,303 |
| Core capital (leverage) ratio | 7.7420% | 5,650 |
| Tier 1 risk-based capital ratio | 54.8549% | 104 |
| Total risk-based capital ratio | 56.1384% | 103 |
| Memoranda: | ||
| Average total assets | $12,928,500 | 5,834 |
| Average earning assets | $12,571,500 | 5,821 |
| Average equity | $992,000 | 5,848 |
| Average total loans | $1,587,000 | 5,823 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8363% | 5,853 |
| Cost of funding earning assets | 0.2530% | 4,538 |
| Net interest margin | 1.5833% | 5,848 |
| Noninterest income to average assets | 0.2288% | 5,044 |
| Noninterest expense to average assets | 2.3112% | 4,532 |
| Loan and lease loss provision to assets | 0.0158% | 4,057 |
| Net operating income to assets | -0.5758% | 5,798 |
| Return on assets (ROA) | -0.5758% | 5,802 |
| Pretax return on assets | -0.5679% | 5,789 |
| Return on Equity (ROE) | -7.0572% | 5,813 |
| Retained earnings to average equity (ytd only) | -7.0572% | 5,732 |
| Net charge-offs to loans | 0.1241% | 2,017 |
| Credit loss provision to net charge-offs | 100.0000% | 2,563 |
| Earnings coverage of net charge-offs (x) | -35.0000% | 4,267 |
| Efficiency ratio | 131.3901% | 56 |
| Assets per employee ($millions) | 4.7197% | 2,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1469% | 150 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 9.7818% | 5,863 |
| Net loans and leases to deposits | 10.5283% | 5,865 |
| Net loans and leases to core deposits | 10.5283% | 5,858 |
| Total domestic deposits to total assets | 92.9091% | 45 |
| Equity capital to assets | 7.0697% | 5,787 |
| Core capital (leverage) ratio | 7.2536% | 5,782 |
| Tier 1 risk-based capital ratio | 66.0726% | 69 |
| Total risk-based capital ratio | 67.3267% | 68 |
| Memoranda: | ||
| Average total assets | $12,677,400 | 5,893 |
| Average earning assets | $12,253,200 | 5,878 |
| Average equity | $1,034,400 | 5,905 |
| Average total loans | $1,611,600 | 5,878 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8429% | 5,921 |
| Cost of funding earning assets | 0.2585% | 4,532 |
| Net interest margin | 1.5845% | 5,915 |
| Noninterest income to average assets | 0.2275% | 5,108 |
| Noninterest expense to average assets | 2.3617% | 4,376 |
| Loan and lease loss provision to assets | 0.0108% | 4,025 |
| Net operating income to assets | -0.6283% | 5,873 |
| Return on assets (ROA) | -0.6283% | 5,875 |
| Pretax return on assets | -0.6175% | 5,869 |
| Return on Equity (ROE) | -7.4160% | 5,888 |
| Retained earnings to average equity (ytd only) | -7.4160% | 5,804 |
| Net charge-offs to loans | 0.0803% | 2,177 |
| Credit loss provision to net charge-offs | 100.0000% | 2,352 |
| Earnings coverage of net charge-offs (x) | -56.1353% | 3,941 |
| Efficiency ratio | 134.5679% | 55 |
| Assets per employee ($millions) | 3.8327% | 4,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3684% | 395 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 16.1332% | 5,903 |
| Net loans and leases to deposits | 17.7055% | 5,912 |
| Net loans and leases to core deposits | 17.7055% | 5,909 |
| Total domestic deposits to total assets | 91.1202% | 165 |
| Equity capital to assets | 8.8276% | 5,301 |
| Core capital (leverage) ratio | 8.7515% | 5,098 |
| Tier 1 risk-based capital ratio | 51.8916% | 124 |
| Total risk-based capital ratio | 53.1697% | 124 |
| Memoranda: | ||
| Average total assets | $12,307,000 | 5,960 |
| Average earning assets | $11,865,250 | 5,947 |
| Average equity | $1,042,750 | 5,972 |
| Average total loans | $1,657,000 | 5,945 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7181% | 6,010 |
| Cost of funding earning assets | 0.2643% | 4,508 |
| Net interest margin | 1.4537% | 6,006 |
| Noninterest income to average assets | 0.2067% | 5,259 |
| Noninterest expense to average assets | 2.2422% | 4,748 |
| Loan and lease loss provision to assets | 0.0159% | 3,794 |
| Net operating income to assets | -0.6520% | 5,946 |
| Return on assets (ROA) | -0.6520% | 5,951 |
| Pretax return on assets | -0.6520% | 5,941 |
| Return on Equity (ROE) | -7.7947% | 5,960 |
| Retained earnings to average equity (ytd only) | -7.7947% | 5,836 |
| Net charge-offs to loans | 0.1269% | 1,576 |
| Credit loss provision to net charge-offs | 100.0000% | 2,087 |
| Earnings coverage of net charge-offs (x) | -40.0000% | 3,671 |
| Efficiency ratio | 139.6040% | 52 |
| Assets per employee ($millions) | 3.9117% | 4,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6690% | 292 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 13.9838% | 5,993 |
| Net loans and leases to deposits | 15.3379% | 6,001 |
| Net loans and leases to core deposits | 15.3379% | 5,996 |
| Total domestic deposits to total assets | 91.1717% | 160 |
| Equity capital to assets | 8.7942% | 5,408 |
| Core capital (leverage) ratio | 8.5957% | 5,269 |
| Tier 1 risk-based capital ratio | 60.6345% | 89 |
| Total risk-based capital ratio | 61.9271% | 89 |
| Memoranda: | ||
| Average total assets | $12,576,670 | 6,038 |
| Average earning assets | $12,106,670 | 6,025 |
| Average equity | $1,052,000 | 6,049 |
| Average total loans | $1,576,000 | 6,023 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6260% | 6,077 |
| Cost of funding earning assets | 0.2551% | 4,650 |
| Net interest margin | 1.3709% | 6,074 |
| Noninterest income to average assets | 0.1847% | 5,396 |
| Noninterest expense to average assets | 2.2158% | 4,870 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.7386% | 6,004 |
| Return on assets (ROA) | -0.7386% | 6,006 |
| Pretax return on assets | -0.7078% | 5,993 |
| Return on Equity (ROE) | -9.0395% | 6,021 |
| Retained earnings to average equity (ytd only) | -9.0395% | 5,783 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 146.9388% | 48 |
| Assets per employee ($millions) | 3.9807% | 3,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8535% | 256 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 12.8287% | 6,060 |
| Net loans and leases to deposits | 14.0705% | 6,065 |
| Net loans and leases to core deposits | 14.0705% | 6,059 |
| Total domestic deposits to total assets | 91.1740% | 224 |
| Equity capital to assets | 8.7925% | 5,348 |
| Core capital (leverage) ratio | 8.1320% | 5,701 |
| Tier 1 risk-based capital ratio | 67.5676% | 73 |
| Total risk-based capital ratio | 68.8546% | 73 |
| Memoranda: | ||
| Average total assets | $12,997,500 | 6,098 |
| Average earning assets | $12,546,500 | 6,080 |
| Average equity | $1,062,000 | 6,112 |
| Average total loans | $1,521,000 | 6,084 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7447% | 6,112 |
| Cost of funding earning assets | 0.2358% | 4,941 |
| Net interest margin | 1.5089% | 6,109 |
| Noninterest income to average assets | 0.2203% | 5,278 |
| Noninterest expense to average assets | 2.1114% | 5,238 |
| Loan and lease loss provision to assets | 0.0076% | 4,245 |
| Net operating income to assets | -0.4405% | 6,031 |
| Return on assets (ROA) | -0.4405% | 6,038 |
| Pretax return on assets | -0.4405% | 6,026 |
| Return on Equity (ROE) | -5.2565% | 6,050 |
| Retained earnings to average equity (ytd only) | -5.2565% | 5,925 |
| Net charge-offs to loans | 0.0512% | 3,175 |
| Credit loss provision to net charge-offs | 100.0000% | 2,501 |
| Earnings coverage of net charge-offs (x) | -57.0000% | 4,452 |
| Efficiency ratio | 125.7919% | 79 |
| Assets per employee ($millions) | 4.6843% | 2,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0717% | 207 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 10.1046% | 6,131 |
| Net loans and leases to deposits | 10.9433% | 6,136 |
| Net loans and leases to core deposits | 10.9433% | 6,128 |
| Total domestic deposits to total assets | 92.3362% | 81 |
| Equity capital to assets | 7.6425% | 5,958 |
| Core capital (leverage) ratio | 8.3153% | 5,591 |
| Tier 1 risk-based capital ratio | 72.7642% | 64 |
| Total risk-based capital ratio | 74.0515% | 64 |
| Memoranda: | ||
| Average total assets | $13,166,600 | 6,158 |
| Average earning assets | $12,724,600 | 6,142 |
| Average equity | $1,103,400 | 6,171 |
| Average total loans | $1,952,200 | 6,144 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7887% | 6,203 |
| Cost of funding earning assets | 0.2342% | 5,054 |
| Net interest margin | 1.5545% | 6,200 |
| Noninterest income to average assets | 0.1854% | 5,552 |
| Noninterest expense to average assets | 2.1115% | 5,250 |
| Loan and lease loss provision to assets | 0.0103% | 4,065 |
| Net operating income to assets | -0.4326% | 6,125 |
| Return on assets (ROA) | -0.4326% | 6,130 |
| Pretax return on assets | -0.4326% | 6,122 |
| Return on Equity (ROE) | -5.0416% | 6,137 |
| Retained earnings to average equity (ytd only) | -5.0416% | 6,023 |
| Net charge-offs to loans | 0.0641% | 2,668 |
| Credit loss provision to net charge-offs | 100.0000% | 2,257 |
| Earnings coverage of net charge-offs (x) | -41.1053% | 4,170 |
| Efficiency ratio | 125.0000% | 83 |
| Assets per employee ($millions) | 3.8030% | 4,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2266% | 637 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 17.3197% | 6,172 |
| Net loans and leases to deposits | 19.1584% | 6,190 |
| Net loans and leases to core deposits | 19.1584% | 6,191 |
| Total domestic deposits to total assets | 90.4023% | 423 |
| Equity capital to assets | 9.5539% | 4,684 |
| Core capital (leverage) ratio | 9.2924% | 4,594 |
| Tier 1 risk-based capital ratio | 52.0535% | 124 |
| Total risk-based capital ratio | 53.2951% | 123 |
| Memoranda: | ||
| Average total assets | $12,945,000 | 6,245 |
| Average earning assets | $12,522,750 | 6,228 |
| Average equity | $1,110,750 | 6,257 |
| Average total loans | $2,074,000 | 6,229 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7472% | 6,282 |
| Cost of funding earning assets | 0.2146% | 5,310 |
| Net interest margin | 1.5326% | 6,280 |
| Noninterest income to average assets | 0.1635% | 5,723 |
| Noninterest expense to average assets | 2.0510% | 5,439 |
| Loan and lease loss provision to assets | 0.0149% | 3,824 |
| Net operating income to assets | -0.4161% | 6,166 |
| Return on assets (ROA) | -0.4161% | 6,179 |
| Pretax return on assets | -0.4161% | 6,168 |
| Return on Equity (ROE) | -5.0104% | 6,193 |
| Retained earnings to average equity (ytd only) | -5.0104% | 6,022 |
| Net charge-offs to loans | 0.0956% | 2,060 |
| Credit loss provision to net charge-offs | 100.0000% | 2,033 |
| Earnings coverage of net charge-offs (x) | -27.0000% | 3,868 |
| Efficiency ratio | 124.3243% | 93 |
| Assets per employee ($millions) | 4.0327% | 3,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0134% | 965 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 18.1022% | 6,229 |
| Net loans and leases to deposits | 19.9254% | 6,251 |
| Net loans and leases to core deposits | 19.9254% | 6,254 |
| Total domestic deposits to total assets | 90.8497% | 342 |
| Equity capital to assets | 9.1172% | 5,128 |
| Core capital (leverage) ratio | 8.9067% | 5,086 |
| Tier 1 risk-based capital ratio | 49.3292% | 153 |
| Total risk-based capital ratio | 50.5814% | 153 |
| Memoranda: | ||
| Average total assets | $13,457,000 | 6,319 |
| Average earning assets | $13,049,330 | 6,301 |
| Average equity | $1,117,670 | 6,333 |
| Average total loans | $2,091,670 | 6,305 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6602% | 6,355 |
| Cost of funding earning assets | 0.1748% | 5,726 |
| Net interest margin | 1.4855% | 6,347 |
| Noninterest income to average assets | 0.1415% | 5,901 |
| Noninterest expense to average assets | 1.9524% | 5,658 |
| Loan and lease loss provision to assets | 0.0283% | 3,308 |
| Net operating income to assets | -0.3961% | 6,215 |
| Return on assets (ROA) | -0.3961% | 6,231 |
| Pretax return on assets | -0.3961% | 6,217 |
| Return on Equity (ROE) | -4.9778% | 6,259 |
| Retained earnings to average equity (ytd only) | -4.9778% | 5,936 |
| Net charge-offs to loans | 0.1980% | 1,144 |
| Credit loss provision to net charge-offs | 100.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | -13.0000% | 3,253 |
| Efficiency ratio | 123.2143% | 108 |
| Assets per employee ($millions) | 4.2400% | 3,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1521% | 856 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 16.0849% | 6,315 |
| Net loans and leases to deposits | 17.6410% | 6,329 |
| Net loans and leases to core deposits | 17.6410% | 6,330 |
| Total domestic deposits to total assets | 91.1792% | 298 |
| Equity capital to assets | 8.7893% | 5,511 |
| Core capital (leverage) ratio | 8.0542% | 5,907 |
| Tier 1 risk-based capital ratio | 54.8577% | 123 |
| Total risk-based capital ratio | 54.8577% | 130 |
| Memoranda: | ||
| Average total assets | $14,136,500 | 6,384 |
| Average earning assets | $13,733,000 | 6,362 |
| Average equity | $1,125,000 | 6,400 |
| Average total loans | $2,020,000 | 6,376 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9305% | 6,428 |
| Cost of funding earning assets | 0.3430% | 4,325 |
| Net interest margin | 1.5875% | 6,423 |
| Noninterest income to average assets | 0.2163% | 5,559 |
| Noninterest expense to average assets | 2.0931% | 5,588 |
| Loan and lease loss provision to assets | 0.0077% | 4,474 |
| Net operating income to assets | -0.3476% | 6,253 |
| Return on assets (ROA) | -0.3476% | 6,248 |
| Pretax return on assets | -0.3476% | 6,234 |
| Return on Equity (ROE) | -4.8005% | 6,286 |
| Retained earnings to average equity (ytd only) | -4.8005% | 6,172 |
| Net charge-offs to loans | 0.0419% | 3,984 |
| Credit loss provision to net charge-offs | 100.0000% | 2,387 |
| Earnings coverage of net charge-offs (x) | -44.0000% | 4,949 |
| Efficiency ratio | 119.3833% | 133 |
| Assets per employee ($millions) | 5.1843% | 2,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3089% | 715 |
| Loan loss allowance to noncurrent loans | 4,500.0000% | 182 |
| Noncurrent assets plus other real estate owned to assets | 0.0064% | 6,065 |
| Noncurrent loans to loans | 0.0513% | 5,671 |
| Net loans and leases to total assets | 12.2420% | 6,440 |
| Net loans and leases to deposits | 13.2057% | 6,451 |
| Net loans and leases to core deposits | 13.2057% | 6,444 |
| Total domestic deposits to total assets | 92.7024% | 84 |
| Equity capital to assets | 7.2783% | 6,286 |
| Core capital (leverage) ratio | 8.5544% | 5,494 |
| Tier 1 risk-based capital ratio | 59.0814% | 94 |
| Total risk-based capital ratio | 60.3340% | 93 |
| Memoranda: | ||
| Average total assets | $12,947,400 | 6,478 |
| Average earning assets | $12,535,800 | 6,458 |
| Average equity | $937,400 | 6,499 |
| Average total loans | $2,386,200 | 6,466 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0302% | 6,497 |
| Cost of funding earning assets | 0.3701% | 4,125 |
| Net interest margin | 1.6600% | 6,498 |
| Noninterest income to average assets | 0.2169% | 5,631 |
| Noninterest expense to average assets | 2.2663% | 5,192 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.4446% | 6,352 |
| Return on assets (ROA) | -0.4446% | 6,350 |
| Pretax return on assets | -0.4446% | 6,340 |
| Return on Equity (ROE) | -6.1513% | 6,388 |
| Retained earnings to average equity (ytd only) | -6.1513% | 6,296 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 124.4048% | 113 |
| Assets per employee ($millions) | 3.8247% | 4,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7689% | 1,768 |
| Loan loss allowance to noncurrent loans | 4,500.0000% | 149 |
| Noncurrent assets plus other real estate owned to assets | 0.0087% | 6,158 |
| Noncurrent loans to loans | 0.0393% | 5,860 |
| Net loans and leases to total assets | 21.7797% | 6,426 |
| Net loans and leases to deposits | 23.5799% | 6,453 |
| Net loans and leases to core deposits | 23.5799% | 6,459 |
| Total domestic deposits to total assets | 92.3653% | 118 |
| Equity capital to assets | 7.5911% | 6,289 |
| Core capital (leverage) ratio | 7.3508% | 6,318 |
| Tier 1 risk-based capital ratio | 34.3184% | 380 |
| Total risk-based capital ratio | 35.5792% | 372 |
| Memoranda: | ||
| Average total assets | $12,296,000 | 6,562 |
| Average earning assets | $11,887,250 | 6,541 |
| Average equity | $888,750 | 6,577 |
| Average total loans | $2,495,500 | 6,545 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9594% | 6,577 |
| Cost of funding earning assets | 0.3787% | 4,118 |
| Net interest margin | 1.5807% | 6,574 |
| Noninterest income to average assets | 0.2068% | 5,716 |
| Noninterest expense to average assets | 2.2116% | 5,384 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.4773% | 6,432 |
| Return on assets (ROA) | -0.4773% | 6,430 |
| Pretax return on assets | -0.4773% | 6,413 |
| Return on Equity (ROE) | -6.7064% | 6,476 |
| Retained earnings to average equity (ytd only) | -6.7064% | 6,334 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.5229% | 110 |
| Assets per employee ($millions) | 4.0523% | 3,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7661% | 1,940 |
| Loan loss allowance to noncurrent loans | 4,500.0000% | 144 |
| Noncurrent assets plus other real estate owned to assets | 0.0082% | 6,230 |
| Noncurrent loans to loans | 0.0392% | 5,936 |
| Net loans and leases to total assets | 20.5890% | 6,498 |
| Net loans and leases to deposits | 22.2094% | 6,531 |
| Net loans and leases to core deposits | 22.2094% | 6,534 |
| Total domestic deposits to total assets | 92.7038% | 102 |
| Equity capital to assets | 7.2551% | 6,403 |
| Core capital (leverage) ratio | 7.2485% | 6,383 |
| Tier 1 risk-based capital ratio | 34.7792% | 353 |
| Total risk-based capital ratio | 36.0410% | 345 |
| Memoranda: | ||
| Average total assets | $12,570,000 | 6,625 |
| Average earning assets | $12,146,330 | 6,607 |
| Average equity | $894,670 | 6,644 |
| Average total loans | $2,479,330 | 6,610 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7825% | 6,662 |
| Cost of funding earning assets | 0.3889% | 4,100 |
| Net interest margin | 1.3936% | 6,668 |
| Noninterest income to average assets | 0.1565% | 6,030 |
| Noninterest expense to average assets | 2.1915% | 5,481 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.6888% | 6,518 |
| Return on assets (ROA) | -0.6888% | 6,517 |
| Pretax return on assets | -0.6888% | 6,505 |
| Return on Equity (ROE) | -9.7669% | 6,559 |
| Retained earnings to average equity (ytd only) | -9.7669% | 6,350 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 145.8333% | 73 |
| Assets per employee ($millions) | 4.0403% | 3,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9133% | 1,712 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 19.0331% | 6,591 |
| Net loans and leases to deposits | 20.5505% | 6,615 |
| Net loans and leases to core deposits | 20.5505% | 6,615 |
| Total domestic deposits to total assets | 92.6161% | 156 |
| Equity capital to assets | 7.3426% | 6,365 |
| Core capital (leverage) ratio | 6.9782% | 6,472 |
| Tier 1 risk-based capital ratio | 39.1037% | 253 |
| Total risk-based capital ratio | 40.3779% | 249 |
| Memoranda: | ||
| Average total assets | $12,776,500 | 6,698 |
| Average earning assets | $12,342,500 | 6,677 |
| Average equity | $901,000 | 6,711 |
| Average total loans | $2,445,000 | 6,681 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0616% | 6,706 |
| Cost of funding earning assets | 0.4244% | 4,383 |
| Net interest margin | 1.6372% | 6,706 |
| Noninterest income to average assets | 0.0083% | 6,631 |
| Noninterest expense to average assets | 2.2190% | 5,580 |
| Loan and lease loss provision to assets | -0.1080% | 6,494 |
| Net operating income to assets | -0.5319% | 6,501 |
| Return on assets (ROA) | -0.2576% | 6,412 |
| Pretax return on assets | -0.2576% | 6,394 |
| Return on Equity (ROE) | -3.2888% | 6,441 |
| Retained earnings to average equity (ytd only) | -3.2888% | 6,284 |
| Net charge-offs to loans | 0.0689% | 4,242 |
| Credit loss provision to net charge-offs | -650.0000% | 6,174 |
| Earnings coverage of net charge-offs (x) | -38.5000% | 5,453 |
| Efficiency ratio | 140.5263% | 84 |
| Assets per employee ($millions) | 4.4773% | 2,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7730% | 2,151 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 18.5602% | 6,685 |
| Net loans and leases to deposits | 19.9185% | 6,702 |
| Net loans and leases to core deposits | 19.9185% | 6,702 |
| Total domestic deposits to total assets | 93.1805% | 120 |
| Equity capital to assets | 6.7898% | 6,513 |
| Core capital (leverage) ratio | 7.5111% | 6,365 |
| Tier 1 risk-based capital ratio | 38.8416% | 249 |
| Total risk-based capital ratio | 40.1193% | 243 |
| Memoranda: | ||
| Average total assets | $12,032,600 | 6,784 |
| Average earning assets | $11,544,400 | 6,765 |
| Average equity | $942,600 | 6,799 |
| Average total loans | $2,902,000 | 6,764 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1850% | 6,773 |
| Cost of funding earning assets | 0.4418% | 4,366 |
| Net interest margin | 1.7432% | 6,780 |
| Noninterest income to average assets | -0.0342% | 6,782 |
| Noninterest expense to average assets | 2.3966% | 5,035 |
| Loan and lease loss provision to assets | 0.0342% | 4,331 |
| Net operating income to assets | -0.7989% | 6,672 |
| Return on assets (ROA) | -0.4222% | 6,582 |
| Pretax return on assets | -0.4222% | 6,567 |
| Return on Equity (ROE) | -5.1913% | 6,603 |
| Retained earnings to average equity (ytd only) | -5.1913% | 6,504 |
| Net charge-offs to loans | 0.0892% | 3,680 |
| Credit loss provision to net charge-offs | 150.0000% | 1,565 |
| Earnings coverage of net charge-offs (x) | -33.4569% | 5,191 |
| Efficiency ratio | 146.8531% | 82 |
| Assets per employee ($millions) | 3.7047% | 4,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8291% | 2,209 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 29.4583% | 6,552 |
| Net loans and leases to deposits | 32.0917% | 6,617 |
| Net loans and leases to core deposits | 32.0917% | 6,645 |
| Total domestic deposits to total assets | 91.7941% | 286 |
| Equity capital to assets | 8.1519% | 6,043 |
| Core capital (leverage) ratio | 8.2207% | 6,041 |
| Tier 1 risk-based capital ratio | 29.8026% | 525 |
| Total risk-based capital ratio | 31.0526% | 519 |
| Memoranda: | ||
| Average total assets | $11,682,750 | 6,864 |
| Average earning assets | $11,166,500 | 6,845 |
| Average equity | $950,250 | 6,878 |
| Average total loans | $2,993,000 | 6,840 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1561% | 6,825 |
| Cost of funding earning assets | 0.4418% | 4,522 |
| Net interest margin | 1.7143% | 6,829 |
| Noninterest income to average assets | 0.2022% | 6,000 |
| Noninterest expense to average assets | 2.3753% | 5,122 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.5391% | 6,651 |
| Return on assets (ROA) | -0.5391% | 6,660 |
| Pretax return on assets | -0.5391% | 6,646 |
| Return on Equity (ROE) | -6.6321% | 6,679 |
| Retained earnings to average equity (ytd only) | -6.6321% | 6,552 |
| Net charge-offs to loans | 0.1389% | 2,988 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -16.0000% | 4,874 |
| Efficiency ratio | 129.3578% | 132 |
| Assets per employee ($millions) | 3.8233% | 4,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8477% | 2,266 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.9180% | 2,263 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 26.8614% | 6,658 |
| Net loans and leases to deposits | 29.2871% | 6,715 |
| Net loans and leases to core deposits | 29.2871% | 6,734 |
| Total domestic deposits to total assets | 91.7175% | 307 |
| Equity capital to assets | 8.2302% | 6,037 |
| Core capital (leverage) ratio | 8.0123% | 6,179 |
| Tier 1 risk-based capital ratio | 29.9081% | 527 |
| Total risk-based capital ratio | 31.1556% | 522 |
| Memoranda: | ||
| Average total assets | $11,872,330 | 6,912 |
| Average earning assets | $11,316,670 | 6,893 |
| Average equity | $965,000 | 6,928 |
| Average total loans | $2,879,000 | 6,888 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1831% | 6,895 |
| Cost of funding earning assets | 0.4505% | 4,589 |
| Net interest margin | 1.7327% | 6,904 |
| Noninterest income to average assets | 0.2319% | 5,795 |
| Noninterest expense to average assets | 2.4185% | 5,067 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.5301% | 6,688 |
| Return on assets (ROA) | -0.5301% | 6,710 |
| Pretax return on assets | -0.5301% | 6,686 |
| Return on Equity (ROE) | -6.5607% | 6,732 |
| Retained earnings to average equity (ytd only) | -6.5607% | 6,445 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.0702% | 164 |
| Assets per employee ($millions) | 3.8577% | 4,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3310% | 1,361 |
| Loan loss allowance to noncurrent loans | 200.0000% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 2.1602% | 2,169 |
| Noncurrent loans to loans | 1.1655% | 3,826 |
| Net loans and leases to total assets | 21.7230% | 6,828 |
| Net loans and leases to deposits | 23.7147% | 6,864 |
| Net loans and leases to core deposits | 23.7147% | 6,871 |
| Total domestic deposits to total assets | 91.6011% | 326 |
| Equity capital to assets | 8.3470% | 6,154 |
| Core capital (leverage) ratio | 7.5518% | 6,450 |
| Tier 1 risk-based capital ratio | 35.0758% | 344 |
| Total risk-based capital ratio | 36.3258% | 337 |
| Memoranda: | ||
| Average total assets | $12,073,500 | 6,988 |
| Average earning assets | $11,543,000 | 6,967 |
| Average equity | $975,500 | 6,998 |
| Average total loans | $2,749,000 | 6,965 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5628% | 6,914 |
| Cost of funding earning assets | 0.6293% | 4,105 |
| Net interest margin | 1.9335% | 6,943 |
| Noninterest income to average assets | 0.2362% | 5,760 |
| Noninterest expense to average assets | 2.2395% | 5,836 |
| Loan and lease loss provision to assets | -0.1954% | 6,979 |
| Net operating income to assets | -0.0814% | 6,269 |
| Return on assets (ROA) | -0.0733% | 6,366 |
| Pretax return on assets | -0.0733% | 6,345 |
| Return on Equity (ROE) | -0.9802% | 6,385 |
| Retained earnings to average equity (ytd only) | -0.9802% | 6,013 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.1079% | 274 |
| Assets per employee ($millions) | 4.1913% | 3,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0520% | 1,884 |
| Loan loss allowance to noncurrent loans | 25.4237% | 6,231 |
| Noncurrent assets plus other real estate owned to assets | 1.8769% | 2,603 |
| Noncurrent loans to loans | 8.0711% | 361 |
| Net loans and leases to total assets | 22.7772% | 6,878 |
| Net loans and leases to deposits | 24.7259% | 6,915 |
| Net loans and leases to core deposits | 24.7259% | 6,925 |
| Total domestic deposits to total assets | 92.1187% | 224 |
| Equity capital to assets | 7.8336% | 6,486 |
| Core capital (leverage) ratio | 7.7728% | 6,359 |
| Tier 1 risk-based capital ratio | 36.2692% | 307 |
| Total risk-based capital ratio | 37.5385% | 299 |
| Memoranda: | ||
| Average total assets | $12,279,400 | 7,050 |
| Average earning assets | $10,964,400 | 7,039 |
| Average equity | $918,200 | 7,067 |
| Average total loans | $3,448,800 | 7,028 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6920% | 7,001 |
| Cost of funding earning assets | 0.6886% | 3,868 |
| Net interest margin | 2.0033% | 7,035 |
| Noninterest income to average assets | 0.2622% | 5,686 |
| Noninterest expense to average assets | 2.2721% | 5,766 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.2731% | 6,554 |
| Return on assets (ROA) | -0.2622% | 6,607 |
| Pretax return on assets | -0.2513% | 6,567 |
| Return on Equity (ROE) | -3.5496% | 6,654 |
| Retained earnings to average equity (ytd only) | -3.5496% | 6,523 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.0435% | 253 |
| Assets per employee ($millions) | 3.6413% | 4,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3490% | 1,434 |
| Loan loss allowance to noncurrent loans | 36.8421% | 5,809 |
| Noncurrent assets plus other real estate owned to assets | 2.0871% | 2,549 |
| Noncurrent loans to loans | 6.3758% | 607 |
| Net loans and leases to total assets | 31.9663% | 6,746 |
| Net loans and leases to deposits | 34.9550% | 6,837 |
| Net loans and leases to core deposits | 34.9550% | 6,877 |
| Total domestic deposits to total assets | 91.4500% | 299 |
| Equity capital to assets | 8.4951% | 6,262 |
| Core capital (leverage) ratio | 8.0633% | 6,272 |
| Tier 1 risk-based capital ratio | 27.9266% | 664 |
| Total risk-based capital ratio | 29.1905% | 650 |
| Memoranda: | ||
| Average total assets | $12,205,750 | 7,146 |
| Average earning assets | $10,648,750 | 7,135 |
| Average equity | $901,500 | 7,164 |
| Average total loans | $3,580,000 | 7,122 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6706% | 7,084 |
| Cost of funding earning assets | 0.7470% | 3,624 |
| Net interest margin | 1.9236% | 7,124 |
| Noninterest income to average assets | 0.1900% | 6,198 |
| Noninterest expense to average assets | 2.2164% | 5,955 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.3958% | 6,679 |
| Return on assets (ROA) | -0.3800% | 6,718 |
| Pretax return on assets | -0.3800% | 6,687 |
| Return on Equity (ROE) | -5.3771% | 6,785 |
| Retained earnings to average equity (ytd only) | -5.3771% | 6,642 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.7391% | 216 |
| Assets per employee ($millions) | 3.0690% | 5,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4867% | 1,301 |
| Loan loss allowance to noncurrent loans | 247.0588% | 1,408 |
| Noncurrent assets plus other real estate owned to assets | 0.2770% | 6,085 |
| Noncurrent loans to loans | 1.0065% | 4,493 |
| Net loans and leases to total assets | 26.8328% | 6,957 |
| Net loans and leases to deposits | 29.0476% | 7,020 |
| Net loans and leases to core deposits | 29.0476% | 7,041 |
| Total domestic deposits to total assets | 92.3754% | 176 |
| Equity capital to assets | 7.5595% | 6,779 |
| Core capital (leverage) ratio | 7.3909% | 6,671 |
| Tier 1 risk-based capital ratio | 30.0324% | 518 |
| Total risk-based capital ratio | 31.2945% | 510 |
| Memoranda: | ||
| Average total assets | $12,633,000 | 7,207 |
| Average earning assets | $10,709,330 | 7,197 |
| Average equity | $892,670 | 7,222 |
| Average total loans | $3,581,330 | 7,184 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5300% | 7,168 |
| Cost of funding earning assets | 0.7700% | 3,697 |
| Net interest margin | 1.7600% | 7,212 |
| Noninterest income to average assets | 0.1873% | 6,256 |
| Noninterest expense to average assets | 2.3104% | 5,741 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.6244% | 6,884 |
| Return on assets (ROA) | -0.5932% | 6,895 |
| Pretax return on assets | -0.5932% | 6,858 |
| Return on Equity (ROE) | -8.6857% | 6,968 |
| Retained earnings to average equity (ytd only) | -8.6857% | 6,797 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 137.0370% | 145 |
| Assets per employee ($millions) | 4.3630% | 3,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4103% | 1,488 |
| Loan loss allowance to noncurrent loans | 933.3333% | 414 |
| Noncurrent assets plus other real estate owned to assets | 0.0688% | 6,715 |
| Noncurrent loans to loans | 0.2582% | 6,172 |
| Net loans and leases to total assets | 25.9837% | 7,039 |
| Net loans and leases to deposits | 28.0010% | 7,091 |
| Net loans and leases to core deposits | 28.0010% | 7,102 |
| Total domestic deposits to total assets | 92.7955% | 156 |
| Equity capital to assets | 7.1281% | 6,902 |
| Core capital (leverage) ratio | 7.1189% | 6,794 |
| Tier 1 risk-based capital ratio | 29.9904% | 523 |
| Total risk-based capital ratio | 31.2440% | 514 |
| Memoranda: | ||
| Average total assets | $12,811,500 | 7,267 |
| Average earning assets | $10,909,000 | 7,258 |
| Average equity | $875,000 | 7,286 |
| Average total loans | $3,683,000 | 7,241 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4117% | 7,044 |
| Cost of funding earning assets | 1.2036% | 2,003 |
| Net interest margin | 2.2081% | 7,171 |
| Noninterest income to average assets | 0.2322% | 5,876 |
| Noninterest expense to average assets | 2.6100% | 5,054 |
| Loan and lease loss provision to assets | -0.0160% | 7,222 |
| Net operating income to assets | -0.4964% | 6,487 |
| Return on assets (ROA) | 0.2322% | 5,626 |
| Pretax return on assets | 0.2322% | 5,710 |
| Return on Equity (ROE) | 3.7908% | 4,953 |
| Retained earnings to average equity (ytd only) | 3.7908% | 3,518 |
| Net charge-offs to loans | -0.0439% | 7,044 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 124.4275% | 269 |
| Assets per employee ($millions) | 4.1780% | 3,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1644% | 1,872 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 30.2936% | 6,997 |
| Net loans and leases to deposits | 32.4336% | 7,083 |
| Net loans and leases to core deposits | 32.4336% | 7,105 |
| Total domestic deposits to total assets | 93.4019% | 119 |
| Equity capital to assets | 6.5183% | 7,044 |
| Core capital (leverage) ratio | 6.5491% | 6,972 |
| Tier 1 risk-based capital ratio | 24.1430% | 955 |
| Total risk-based capital ratio | 25.4137% | 941 |
| Memoranda: | ||
| Average total assets | $12,490,400 | 7,314 |
| Average earning assets | $10,552,000 | 7,308 |
| Average equity | $765,000 | 7,346 |
| Average total loans | $4,557,200 | 7,277 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4406% | 7,112 |
| Cost of funding earning assets | 1.2902% | 1,765 |
| Net interest margin | 2.1503% | 7,274 |
| Noninterest income to average assets | 0.2137% | 6,083 |
| Noninterest expense to average assets | 2.6923% | 4,757 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.6624% | 6,734 |
| Return on assets (ROA) | -0.6624% | 6,770 |
| Pretax return on assets | -0.6624% | 6,719 |
| Return on Equity (ROE) | -10.9920% | 6,921 |
| Retained earnings to average equity (ytd only) | -10.9920% | 6,888 |
| Net charge-offs to loans | -0.0565% | 7,069 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.6316% | 215 |
| Assets per employee ($millions) | 3.0445% | 6,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7619% | 3,064 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 39.3743% | 6,682 |
| Net loans and leases to deposits | 41.9217% | 6,914 |
| Net loans and leases to core deposits | 41.9217% | 6,986 |
| Total domestic deposits to total assets | 93.9235% | 81 |
| Equity capital to assets | 5.9616% | 7,190 |
| Core capital (leverage) ratio | 5.8020% | 7,156 |
| Tier 1 risk-based capital ratio | 16.1297% | 3,050 |
| Total risk-based capital ratio | 17.3961% | 3,008 |
| Memoranda: | ||
| Average total assets | $12,479,500 | 7,391 |
| Average earning assets | $10,540,750 | 7,385 |
| Average equity | $752,000 | 7,423 |
| Average total loans | $4,726,250 | 7,347 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3114% | 7,247 |
| Cost of funding earning assets | 1.3358% | 1,722 |
| Net interest margin | 1.9755% | 7,371 |
| Noninterest income to average assets | 0.1908% | 6,301 |
| Noninterest expense to average assets | 2.6868% | 4,872 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.8267% | 6,883 |
| Return on assets (ROA) | -0.8267% | 6,887 |
| Pretax return on assets | -0.8267% | 6,835 |
| Return on Equity (ROE) | -13.6722% | 7,030 |
| Retained earnings to average equity (ytd only) | -13.6722% | 6,995 |
| Net charge-offs to loans | -0.0856% | 7,127 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 144.4444% | 179 |
| Assets per employee ($millions) | 3.1680% | 5,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7583% | 3,129 |
| Loan loss allowance to noncurrent loans | 2,150.0000% | 200 |
| Noncurrent assets plus other real estate owned to assets | 0.0316% | 7,022 |
| Noncurrent loans to loans | 0.0818% | 6,778 |
| Net loans and leases to total assets | 37.9182% | 6,863 |
| Net loans and leases to deposits | 40.3138% | 7,053 |
| Net loans and leases to core deposits | 40.3138% | 7,120 |
| Total domestic deposits to total assets | 94.0578% | 77 |
| Equity capital to assets | 5.8160% | 7,269 |
| Core capital (leverage) ratio | 5.9240% | 7,209 |
| Tier 1 risk-based capital ratio | 16.1517% | 2,901 |
| Total risk-based capital ratio | 17.4008% | 2,876 |
| Memoranda: | ||
| Average total assets | $12,580,000 | 7,463 |
| Average earning assets | $10,630,000 | 7,459 |
| Average equity | $760,670 | 7,499 |
| Average total loans | $4,674,670 | 7,421 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1688% | 7,350 |
| Cost of funding earning assets | 1.3958% | 1,630 |
| Net interest margin | 1.7730% | 7,457 |
| Noninterest income to average assets | 0.1596% | 6,581 |
| Noninterest expense to average assets | 2.6488% | 5,046 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.9893% | 7,043 |
| Return on assets (ROA) | -0.9893% | 7,045 |
| Pretax return on assets | -0.9893% | 6,995 |
| Return on Equity (ROE) | -16.0518% | 7,166 |
| Retained earnings to average equity (ytd only) | -16.0518% | 7,070 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 159.6154% | 124 |
| Assets per employee ($millions) | 3.1250% | 5,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9139% | 2,642 |
| Loan loss allowance to noncurrent loans | 8,400.0000% | 68 |
| Noncurrent assets plus other real estate owned to assets | 0.0080% | 7,176 |
| Noncurrent loans to loans | 0.0228% | 7,008 |
| Net loans and leases to total assets | 34.4400% | 7,077 |
| Net loans and leases to deposits | 36.7227% | 7,202 |
| Net loans and leases to core deposits | 36.7227% | 7,244 |
| Total domestic deposits to total assets | 93.7840% | 86 |
| Equity capital to assets | 6.0560% | 7,279 |
| Core capital (leverage) ratio | 5.9331% | 7,266 |
| Tier 1 risk-based capital ratio | 18.4995% | 1,959 |
| Total risk-based capital ratio | 19.7703% | 1,905 |
| Memoranda: | ||
| Average total assets | $12,534,000 | 7,523 |
| Average earning assets | $10,603,500 | 7,516 |
| Average equity | $772,500 | 7,556 |
| Average total loans | $4,566,500 | 7,481 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0826% | 7,483 |
| Cost of funding earning assets | 1.4283% | 3,080 |
| Net interest margin | 1.6543% | 7,529 |
| Noninterest income to average assets | 0.2175% | 6,250 |
| Noninterest expense to average assets | 2.6983% | 4,997 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | -1.0068% | 6,685 |
| Return on assets (ROA) | -1.0068% | 6,726 |
| Pretax return on assets | -1.0068% | 6,647 |
| Return on Equity (ROE) | -14.7545% | 6,912 |
| Retained earnings to average equity (ytd only) | -14.7545% | 6,875 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 159.5238% | 167 |
| Assets per employee ($millions) | 3.1420% | 5,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7707% | 2,956 |
| Loan loss allowance to noncurrent loans | 763.6364% | 451 |
| Noncurrent assets plus other real estate owned to assets | 0.0875% | 7,015 |
| Noncurrent loans to loans | 0.2319% | 6,599 |
| Net loans and leases to total assets | 37.0783% | 7,109 |
| Net loans and leases to deposits | 39.6191% | 7,265 |
| Net loans and leases to core deposits | 39.6191% | 7,313 |
| Total domestic deposits to total assets | 93.5869% | 107 |
| Equity capital to assets | 6.2699% | 7,300 |
| Core capital (leverage) ratio | 6.1659% | 7,269 |
| Tier 1 risk-based capital ratio | 18.2070% | 1,938 |
| Total risk-based capital ratio | 19.4547% | 1,901 |
| Memoranda: | ||
| Average total assets | $12,415,000 | 7,605 |
| Average earning assets | $11,062,000 | 7,595 |
| Average equity | $847,200 | 7,644 |
| Average total loans | $5,065,200 | 7,557 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0118% | 7,624 |
| Cost of funding earning assets | 1.4342% | 3,370 |
| Net interest margin | 1.5777% | 7,664 |
| Noninterest income to average assets | 0.2155% | 6,368 |
| Noninterest expense to average assets | 2.6500% | 5,112 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | -1.0126% | 6,908 |
| Return on assets (ROA) | -1.0126% | 6,956 |
| Pretax return on assets | -1.0126% | 6,869 |
| Return on Equity (ROE) | -14.5394% | 7,089 |
| Retained earnings to average equity (ytd only) | -14.5394% | 7,059 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 161.8421% | 158 |
| Assets per employee ($millions) | 2.9408% | 6,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6107% | 3,484 |
| Loan loss allowance to noncurrent loans | 763.6364% | 453 |
| Noncurrent assets plus other real estate owned to assets | 0.0935% | 7,121 |
| Noncurrent loans to loans | 0.2109% | 6,758 |
| Net loans and leases to total assets | 43.6198% | 6,870 |
| Net loans and leases to deposits | 46.9700% | 7,134 |
| Net loans and leases to core deposits | 46.9700% | 7,233 |
| Total domestic deposits to total assets | 92.8675% | 108 |
| Equity capital to assets | 6.9710% | 7,351 |
| Core capital (leverage) ratio | 6.9111% | 7,204 |
| Tier 1 risk-based capital ratio | 17.2559% | 2,259 |
| Total risk-based capital ratio | 18.5185% | 2,216 |
| Memoranda: | ||
| Average total assets | $12,376,750 | 7,706 |
| Average earning assets | $11,155,750 | 7,694 |
| Average equity | $862,000 | 7,747 |
| Average total loans | $5,145,500 | 7,652 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8255% | 7,724 |
| Cost of funding earning assets | 1.4214% | 3,741 |
| Net interest margin | 1.4041% | 7,754 |
| Noninterest income to average assets | 0.2067% | 6,432 |
| Noninterest expense to average assets | 2.6388% | 5,169 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -1.1446% | 7,006 |
| Return on assets (ROA) | -1.1446% | 7,025 |
| Pretax return on assets | -1.1446% | 6,951 |
| Return on Equity (ROE) | -16.4384% | 7,188 |
| Retained earnings to average equity (ytd only) | -16.4384% | 7,151 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 176.5957% | 133 |
| Assets per employee ($millions) | 3.0580% | 6,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6222% | 3,359 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 41.6449% | 7,057 |
| Net loans and leases to deposits | 44.8021% | 7,297 |
| Net loans and leases to core deposits | 44.8021% | 7,385 |
| Total domestic deposits to total assets | 92.9529% | 114 |
| Equity capital to assets | 6.8836% | 7,386 |
| Core capital (leverage) ratio | 6.9564% | 7,217 |
| Tier 1 risk-based capital ratio | 17.7151% | 2,026 |
| Total risk-based capital ratio | 18.9775% | 1,995 |
| Memoranda: | ||
| Average total assets | $12,581,330 | 7,771 |
| Average earning assets | $11,537,670 | 7,752 |
| Average equity | $876,000 | 7,811 |
| Average total loans | $5,122,330 | 7,721 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7583% | 7,838 |
| Cost of funding earning assets | 1.4315% | 3,981 |
| Net interest margin | 1.3268% | 7,856 |
| Noninterest income to average assets | 0.1881% | 6,612 |
| Noninterest expense to average assets | 2.6654% | 5,083 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -1.2857% | 7,248 |
| Return on assets (ROA) | -1.2857% | 7,265 |
| Pretax return on assets | -1.2857% | 7,180 |
| Return on Equity (ROE) | -18.3651% | 7,399 |
| Retained earnings to average equity (ytd only) | -18.3651% | 7,319 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 193.1818% | 104 |
| Assets per employee ($millions) | 3.0268% | 6,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6797% | 3,138 |
| Loan loss allowance to noncurrent loans | 8,400.0000% | 41 |
| Noncurrent assets plus other real estate owned to assets | 0.0083% | 7,477 |
| Noncurrent loans to loans | 0.0200% | 7,365 |
| Net loans and leases to total assets | 40.6129% | 7,209 |
| Net loans and leases to deposits | 43.8392% | 7,411 |
| Net loans and leases to core deposits | 43.8392% | 7,487 |
| Total domestic deposits to total assets | 92.6406% | 150 |
| Equity capital to assets | 7.2024% | 7,281 |
| Core capital (leverage) ratio | 7.0051% | 7,244 |
| Tier 1 risk-based capital ratio | 18.6325% | 1,805 |
| Total risk-based capital ratio | 19.8932% | 1,768 |
| Memoranda: | ||
| Average total assets | $12,756,000 | 7,872 |
| Average earning assets | $11,456,500 | 7,858 |
| Average equity | $893,000 | 7,904 |
| Average total loans | $5,094,500 | 7,819 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1278% | 7,865 |
| Cost of funding earning assets | 1.8474% | 3,745 |
| Net interest margin | 1.2804% | 7,897 |
| Noninterest income to average assets | 0.2111% | 6,597 |
| Noninterest expense to average assets | 2.3848% | 6,511 |
| Loan and lease loss provision to assets | 0.0156% | 7,340 |
| Net operating income to assets | -1.1025% | 6,642 |
| Return on assets (ROA) | -1.1025% | 6,648 |
| Pretax return on assets | -1.0946% | 6,473 |
| Return on Equity (ROE) | -14.1937% | 6,889 |
| Retained earnings to average equity (ytd only) | -14.1937% | 6,829 |
| Net charge-offs to loans | 0.0389% | 6,727 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | -69.0000% | 7,218 |
| Efficiency ratio | 182.6347% | 178 |
| Assets per employee ($millions) | 3.3513% | 5,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6191% | 3,202 |
| Loan loss allowance to noncurrent loans | 2,100.0000% | 192 |
| Noncurrent assets plus other real estate owned to assets | 0.0298% | 7,449 |
| Noncurrent loans to loans | 0.0771% | 7,225 |
| Net loans and leases to total assets | 38.0753% | 7,444 |
| Net loans and leases to deposits | 40.9335% | 7,596 |
| Net loans and leases to core deposits | 51.4309% | 7,548 |
| Total domestic deposits to total assets | 93.0175% | 122 |
| Equity capital to assets | 6.8184% | 7,457 |
| Core capital (leverage) ratio | 6.8403% | 7,348 |
| Tier 1 risk-based capital ratio | 19.1856% | 1,615 |
| Total risk-based capital ratio | 20.4450% | 1,578 |
| Memoranda: | ||
| Average total assets | $12,789,600 | 7,937 |
| Average earning assets | $10,934,200 | 7,930 |
| Average equity | $993,400 | 7,979 |
| Average total loans | $5,145,000 | 7,885 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1603% | 7,966 |
| Cost of funding earning assets | 1.9306% | 3,715 |
| Net interest margin | 1.2297% | 7,989 |
| Noninterest income to average assets | 0.1583% | 7,062 |
| Noninterest expense to average assets | 2.0682% | 7,244 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | -0.8652% | 6,740 |
| Return on assets (ROA) | -0.8652% | 6,735 |
| Pretax return on assets | -0.8547% | 6,574 |
| Return on Equity (ROE) | -10.7900% | 6,942 |
| Retained earnings to average equity (ytd only) | -10.7900% | 6,870 |
| Net charge-offs to loans | 0.0520% | 6,189 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | -40.4494% | 6,956 |
| Efficiency ratio | 170.4348% | 237 |
| Assets per employee ($millions) | 3.1093% | 5,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4730% | 3,580 |
| Loan loss allowance to noncurrent loans | 820.0000% | 431 |
| Noncurrent assets plus other real estate owned to assets | 0.0804% | 7,351 |
| Noncurrent loans to loans | 0.1796% | 7,046 |
| Net loans and leases to total assets | 44.1023% | 7,239 |
| Net loans and leases to deposits | 47.9416% | 7,495 |
| Net loans and leases to core deposits | 60.8903% | 7,367 |
| Total domestic deposits to total assets | 91.9916% | 180 |
| Equity capital to assets | 7.8234% | 7,011 |
| Core capital (leverage) ratio | 8.0767% | 6,228 |
| Tier 1 risk-based capital ratio | 18.9780% | 1,753 |
| Total risk-based capital ratio | 20.2263% | 1,711 |
| Memoranda: | ||
| Average total assets | $12,635,750 | 8,019 |
| Average earning assets | $10,842,750 | 8,010 |
| Average equity | $1,013,250 | 8,063 |
| Average total loans | $5,134,250 | 7,964 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1633% | 8,063 |
| Cost of funding earning assets | 1.9998% | 3,778 |
| Net interest margin | 1.1635% | 8,078 |
| Noninterest income to average assets | 0.1732% | 7,053 |
| Noninterest expense to average assets | 2.0154% | 7,435 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.8345% | 6,852 |
| Return on assets (ROA) | -0.8345% | 6,855 |
| Pretax return on assets | -0.8345% | 6,701 |
| Return on Equity (ROE) | -10.3246% | 7,061 |
| Retained earnings to average equity (ytd only) | -10.3246% | 6,905 |
| Net charge-offs to loans | 0.0802% | 5,407 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | -26.5000% | 6,576 |
| Efficiency ratio | 170.6667% | 283 |
| Assets per employee ($millions) | 3.0930% | 5,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5622% | 2,903 |
| Loan loss allowance to noncurrent loans | 820.0000% | 416 |
| Noncurrent assets plus other real estate owned to assets | 0.0808% | 7,381 |
| Noncurrent loans to loans | 0.1905% | 7,036 |
| Net loans and leases to total assets | 41.7637% | 7,460 |
| Net loans and leases to deposits | 45.5363% | 7,654 |
| Net loans and leases to core deposits | 57.9000% | 7,525 |
| Total domestic deposits to total assets | 91.7152% | 267 |
| Equity capital to assets | 8.0909% | 6,642 |
| Core capital (leverage) ratio | 8.1535% | 6,073 |
| Tier 1 risk-based capital ratio | 21.0427% | 1,385 |
| Total risk-based capital ratio | 22.3040% | 1,357 |
| Memoranda: | ||
| Average total assets | $12,702,000 | 8,111 |
| Average earning assets | $11,001,330 | 8,097 |
| Average equity | $1,026,670 | 8,153 |
| Average total loans | $4,990,000 | 8,055 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0632% | 8,135 |
| Cost of funding earning assets | 2.0659% | 3,808 |
| Net interest margin | 0.9973% | 8,167 |
| Noninterest income to average assets | 0.1554% | 7,198 |
| Noninterest expense to average assets | 1.9896% | 7,377 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.9637% | 7,232 |
| Return on assets (ROA) | -0.9637% | 7,255 |
| Pretax return on assets | -0.9637% | 7,137 |
| Return on Equity (ROE) | -11.9288% | 7,468 |
| Retained earnings to average equity (ytd only) | -11.9288% | 7,261 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 193.9394% | 206 |
| Assets per employee ($millions) | 3.0460% | 6,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7052% | 2,132 |
| Loan loss allowance to noncurrent loans | 400.0000% | 884 |
| Noncurrent assets plus other real estate owned to assets | 0.1724% | 7,030 |
| Noncurrent loans to loans | 0.4263% | 6,356 |
| Net loans and leases to total assets | 39.7406% | 7,583 |
| Net loans and leases to deposits | 43.4884% | 7,744 |
| Net loans and leases to core deposits | 55.5021% | 7,637 |
| Total domestic deposits to total assets | 91.3821% | 302 |
| Equity capital to assets | 8.4045% | 6,227 |
| Core capital (leverage) ratio | 8.0113% | 6,428 |
| Tier 1 risk-based capital ratio | 22.7961% | 1,216 |
| Total risk-based capital ratio | 24.0427% | 1,190 |
| Memoranda: | ||
| Average total assets | $12,867,000 | 8,157 |
| Average earning assets | $11,230,000 | 8,147 |
| Average equity | $1,039,500 | 8,204 |
| Average total loans | $4,860,500 | 8,113 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6045% | 8,010 |
| Cost of funding earning assets | 2.7267% | 3,033 |
| Net interest margin | 1.8778% | 8,114 |
| Noninterest income to average assets | 0.4302% | 5,214 |
| Noninterest expense to average assets | 2.8707% | 4,537 |
| Loan and lease loss provision to assets | 0.1877% | 5,013 |
| Net operating income to assets | -0.9152% | 7,197 |
| Return on assets (ROA) | -0.9152% | 7,119 |
| Pretax return on assets | -0.9152% | 6,948 |
| Return on Equity (ROE) | -10.3320% | 7,299 |
| Retained earnings to average equity (ytd only) | -10.3320% | 7,097 |
| Net charge-offs to loans | 0.4819% | 2,428 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | -3.8750% | 6,800 |
| Efficiency ratio | 133.9416% | 437 |
| Assets per employee ($millions) | 3.3875% | 4,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7518% | 1,756 |
| Loan loss allowance to noncurrent loans | 2,100.0000% | 286 |
| Noncurrent assets plus other real estate owned to assets | 0.0295% | 7,473 |
| Noncurrent loans to loans | 0.0834% | 7,172 |
| Net loans and leases to total assets | 34.7675% | 7,873 |
| Net loans and leases to deposits | 37.7908% | 7,978 |
| Net loans and leases to core deposits | 46.4321% | 7,958 |
| Total domestic deposits to total assets | 92.0000% | 132 |
| Equity capital to assets | 7.7860% | 7,114 |
| Core capital (leverage) ratio | 7.9497% | 6,572 |
| Tier 1 risk-based capital ratio | 24.3032% | 1,051 |
| Total risk-based capital ratio | 25.5701% | 1,028 |
| Memoranda: | ||
| Average total assets | $12,784,200 | 8,209 |
| Average earning assets | $11,662,400 | 8,193 |
| Average equity | $1,132,400 | 8,261 |
| Average total loans | $4,980,600 | 8,163 |