Home > Citizens Bank of Chatsworth > Performance and Condition Ratios
Citizens Bank of Chatsworth, 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 | 5.0748% | 1,906 |
| Cost of funding earning assets | 0.8551% | 3,603 |
| Net interest margin | 4.2198% | 906 |
| Noninterest income to average assets | 0.3500% | 2,791 |
| Noninterest expense to average assets | 3.8959% | 398 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.3745% | 3,918 |
| Return on assets (ROA) | 0.3745% | 3,914 |
| Pretax return on assets | 0.4057% | 3,951 |
| Return on Equity (ROE) | 6.1300% | 3,494 |
| Retained earnings to average equity (ytd only) | 6.1256% | 2,198 |
| Net charge-offs to loans | -0.0151% | 4,083 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 86.6385% | 532 |
| Assets per employee ($millions) | 3.8746% | 4,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4296% | 210 |
| Loan loss allowance to noncurrent loans | 49.1723% | 3,621 |
| Noncurrent assets plus other real estate owned to assets | 2.6506% | 86 |
| Noncurrent loans to loans | 4.9411% | 49 |
| Net loans and leases to total assets | 52.3400% | 3,462 |
| Net loans and leases to deposits | 66.2074% | 3,160 |
| Net loans and leases to core deposits | 71.6051% | 3,216 |
| Total domestic deposits to total assets | 79.0600% | 3,604 |
| Equity capital to assets | 6.3077% | 4,165 |
| Core capital (leverage) ratio | 13.9480% | 815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3099% | 584 |
| Memoranda: | ||
| Average total assets | $38,451,000 | 4,406 |
| Average earning assets | $36,020,800 | 4,374 |
| Average equity | $2,350,800 | 4,466 |
| Average total loans | $19,916,800 | 4,294 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0778% | 1,668 |
| Cost of funding earning assets | 0.6709% | 3,830 |
| Net interest margin | 4.4070% | 693 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 3.9918% | 361 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.4169% | 3,934 |
| Return on assets (ROA) | 0.4169% | 3,926 |
| Pretax return on assets | 0.4482% | 3,994 |
| Return on Equity (ROE) | 6.8700% | 3,464 |
| Retained earnings to average equity (ytd only) | 6.8742% | 2,335 |
| Net charge-offs to loans | -0.0203% | 4,136 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 86.0720% | 517 |
| Assets per employee ($millions) | 4.0742% | 4,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5102% | 193 |
| Loan loss allowance to noncurrent loans | 144.2857% | 2,867 |
| Noncurrent assets plus other real estate owned to assets | 0.9545% | 558 |
| Noncurrent loans to loans | 1.7397% | 382 |
| Net loans and leases to total assets | 53.4900% | 3,398 |
| Net loans and leases to deposits | 65.6480% | 3,156 |
| Net loans and leases to core deposits | 71.1080% | 3,161 |
| Total domestic deposits to total assets | 81.4800% | 3,312 |
| Equity capital to assets | 5.0344% | 4,242 |
| Core capital (leverage) ratio | 13.9024% | 844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0456% | 625 |
| Memoranda: | ||
| Average total assets | $38,377,250 | 4,423 |
| Average earning assets | $35,972,500 | 4,394 |
| Average equity | $2,327,500 | 4,489 |
| Average total loans | $19,699,750 | 4,314 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0067% | 1,553 |
| Cost of funding earning assets | 0.3885% | 4,187 |
| Net interest margin | 4.6182% | 509 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 3.9798% | 346 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5392% | 3,726 |
| Return on assets (ROA) | 0.5392% | 3,735 |
| Pretax return on assets | 0.5700% | 3,850 |
| Return on Equity (ROE) | 8.4400% | 3,130 |
| Retained earnings to average equity (ytd only) | 8.4405% | 1,833 |
| Net charge-offs to loans | -0.0307% | 4,248 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 83.7472% | 613 |
| Assets per employee ($millions) | 3.7889% | 4,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5406% | 209 |
| Loan loss allowance to noncurrent loans | 139.8892% | 2,985 |
| Noncurrent assets plus other real estate owned to assets | 0.9528% | 507 |
| Noncurrent loans to loans | 1.8162% | 329 |
| Net loans and leases to total assets | 51.1300% | 3,476 |
| Net loans and leases to deposits | 60.4393% | 3,395 |
| Net loans and leases to core deposits | 65.6366% | 3,371 |
| Total domestic deposits to total assets | 84.5900% | 2,666 |
| Equity capital to assets | 6.6510% | 3,928 |
| Core capital (leverage) ratio | 13.5464% | 865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3889% | 599 |
| Memoranda: | ||
| Average total assets | $38,947,000 | 4,441 |
| Average earning assets | $36,551,333 | 4,414 |
| Average equity | $2,488,000 | 4,508 |
| Average total loans | $19,560,333 | 4,335 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9695% | 1,286 |
| Cost of funding earning assets | 0.3126% | 4,161 |
| Net interest margin | 4.6569% | 476 |
| Noninterest income to average assets | 0.1800% | 3,901 |
| Noninterest expense to average assets | 3.9923% | 354 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5370% | 3,819 |
| Return on assets (ROA) | 0.5370% | 3,780 |
| Pretax return on assets | 0.5674% | 3,893 |
| Return on Equity (ROE) | 8.5800% | 3,161 |
| Retained earnings to average equity (ytd only) | 8.5761% | 2,063 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 84.0000% | 592 |
| Assets per employee ($millions) | 3.5960% | 4,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5634% | 210 |
| Loan loss allowance to noncurrent loans | 570.4545% | 1,481 |
| Noncurrent assets plus other real estate owned to assets | 0.2225% | 2,017 |
| Noncurrent loans to loans | 0.4494% | 1,598 |
| Net loans and leases to total assets | 48.2400% | 3,611 |
| Net loans and leases to deposits | 52.1054% | 3,787 |
| Net loans and leases to core deposits | 55.9609% | 3,746 |
| Total domestic deposits to total assets | 92.5800% | 384 |
| Equity capital to assets | 6.5072% | 4,026 |
| Core capital (leverage) ratio | 12.5396% | 1,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1689% | 641 |
| Memoranda: | ||
| Average total assets | $39,476,000 | 4,500 |
| Average earning assets | $37,106,000 | 4,477 |
| Average equity | $2,472,000 | 4,575 |
| Average total loans | $19,402,000 | 4,398 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4697% | 766 |
| Cost of funding earning assets | 0.1985% | 3,772 |
| Net interest margin | 4.2712% | 453 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 3.8260% | 375 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.3512% | 4,311 |
| Return on assets (ROA) | 0.3512% | 4,277 |
| Pretax return on assets | 0.3806% | 4,297 |
| Return on Equity (ROE) | 4.1500% | 4,138 |
| Retained earnings to average equity (ytd only) | 4.1466% | 3,345 |
| Net charge-offs to loans | -0.1295% | 4,567 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 87.1570% | 384 |
| Assets per employee ($millions) | 4.3773% | 4,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6117% | 189 |
| Loan loss allowance to noncurrent loans | 557.7778% | 1,488 |
| Noncurrent assets plus other real estate owned to assets | 0.2284% | 2,001 |
| Noncurrent loans to loans | 0.4682% | 1,533 |
| Net loans and leases to total assets | 47.5100% | 3,704 |
| Net loans and leases to deposits | 51.0388% | 3,856 |
| Net loans and leases to core deposits | 54.7932% | 3,776 |
| Total domestic deposits to total assets | 93.1000% | 381 |
| Equity capital to assets | 6.0158% | 4,081 |
| Core capital (leverage) ratio | 13.2784% | 871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5314% | 580 |
| Memoranda: | ||
| Average total assets | $40,721,000 | 4,519 |
| Average earning assets | $38,280,000 | 4,495 |
| Average equity | $3,448,600 | 4,576 |
| Average total loans | $19,310,400 | 4,424 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5832% | 434 |
| Cost of funding earning assets | 0.1865% | 3,436 |
| Net interest margin | 4.3967% | 283 |
| Noninterest income to average assets | 0.1900% | 4,048 |
| Noninterest expense to average assets | 3.8097% | 371 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4839% | 4,109 |
| Return on assets (ROA) | 0.4839% | 4,057 |
| Pretax return on assets | 0.5132% | 4,128 |
| Return on Equity (ROE) | 5.3400% | 3,918 |
| Retained earnings to average equity (ytd only) | 5.3429% | 2,979 |
| Net charge-offs to loans | -0.1655% | 4,604 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 84.4478% | 523 |
| Assets per employee ($millions) | 4.7554% | 3,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7088% | 181 |
| Loan loss allowance to noncurrent loans | 404.0323% | 1,814 |
| Noncurrent assets plus other real estate owned to assets | 0.3259% | 1,641 |
| Noncurrent loans to loans | 0.6705% | 1,217 |
| Net loans and leases to total assets | 47.3000% | 3,681 |
| Net loans and leases to deposits | 50.8995% | 3,792 |
| Net loans and leases to core deposits | 52.8598% | 3,816 |
| Total domestic deposits to total assets | 92.9300% | 598 |
| Equity capital to assets | 6.2193% | 3,874 |
| Core capital (leverage) ratio | 12.8564% | 943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8820% | 575 |
| Memoranda: | ||
| Average total assets | $41,052,250 | 4,550 |
| Average earning assets | $38,604,000 | 4,525 |
| Average equity | $3,718,250 | 4,596 |
| Average total loans | $19,332,750 | 4,455 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7073% | 251 |
| Cost of funding earning assets | 0.1818% | 3,157 |
| Net interest margin | 4.5255% | 189 |
| Noninterest income to average assets | 0.1855% | 4,078 |
| Noninterest expense to average assets | 3.7522% | 337 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6658% | 3,427 |
| Return on assets (ROA) | 0.6658% | 3,377 |
| Pretax return on assets | 0.6943% | 3,593 |
| Return on Equity (ROE) | 6.7162% | 3,386 |
| Retained earnings to average equity (ytd only) | 6.7162% | 2,082 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8556% | 881 |
| Assets per employee ($millions) | 4.4453% | 4,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6531% | 205 |
| Loan loss allowance to noncurrent loans | 171.5827% | 2,865 |
| Noncurrent assets plus other real estate owned to assets | 0.6949% | 777 |
| Noncurrent loans to loans | 1.5462% | 480 |
| Net loans and leases to total assets | 43.7463% | 3,852 |
| Net loans and leases to deposits | 47.3565% | 3,960 |
| Net loans and leases to core deposits | 49.0926% | 3,972 |
| Total domestic deposits to total assets | 92.3765% | 699 |
| Equity capital to assets | 6.9261% | 3,807 |
| Core capital (leverage) ratio | 12.2441% | 1,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0556% | 530 |
| Memoranda: | ||
| Average total assets | $42,055,333 | 4,590 |
| Average earning assets | $39,598,000 | 4,571 |
| Average equity | $4,169,000 | 4,605 |
| Average total loans | $19,612,000 | 4,510 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6576% | 238 |
| Cost of funding earning assets | 0.1674% | 3,257 |
| Net interest margin | 4.4902% | 174 |
| Noninterest income to average assets | 0.1486% | 4,264 |
| Noninterest expense to average assets | 3.7605% | 327 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5943% | 3,416 |
| Return on assets (ROA) | 0.5943% | 3,396 |
| Pretax return on assets | 0.6221% | 3,573 |
| Return on Equity (ROE) | 5.2588% | 3,552 |
| Retained earnings to average equity (ytd only) | 5.2588% | 2,494 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2034% | 968 |
| Assets per employee ($millions) | 4.8547% | 3,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5689% | 268 |
| Loan loss allowance to noncurrent loans | 171.5827% | 2,797 |
| Noncurrent assets plus other real estate owned to assets | 0.6363% | 940 |
| Noncurrent loans to loans | 1.4972% | 554 |
| Net loans and leases to total assets | 41.4057% | 3,925 |
| Net loans and leases to deposits | 46.4134% | 3,954 |
| Net loans and leases to core deposits | 48.0211% | 3,979 |
| Total domestic deposits to total assets | 89.2108% | 1,973 |
| Equity capital to assets | 9.9515% | 1,931 |
| Core capital (leverage) ratio | 11.3940% | 1,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4806% | 522 |
| Memoranda: | ||
| Average total assets | $43,079,000 | 4,602 |
| Average earning assets | $40,621,500 | 4,586 |
| Average equity | $4,868,000 | 4,570 |
| Average total loans | $20,428,500 | 4,513 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3945% | 723 |
| Cost of funding earning assets | 0.2317% | 3,120 |
| Net interest margin | 4.1628% | 522 |
| Noninterest income to average assets | 0.2146% | 4,085 |
| Noninterest expense to average assets | 3.7192% | 385 |
| Loan and lease loss provision to assets | 0.0366% | 2,308 |
| Net operating income to assets | 0.3219% | 4,396 |
| Return on assets (ROA) | 0.3219% | 4,417 |
| Pretax return on assets | 0.3585% | 4,434 |
| Return on Equity (ROE) | 2.8941% | 4,377 |
| Retained earnings to average equity (ytd only) | 2.8941% | 3,682 |
| Net charge-offs to loans | -0.1635% | 4,676 |
| Credit loss provision to net charge-offs | -34.8837% | 3,220 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5442% | 442 |
| Assets per employee ($millions) | 4.7184% | 3,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1356% | 492 |
| Loan loss allowance to noncurrent loans | 170.6093% | 2,814 |
| Noncurrent assets plus other real estate owned to assets | 0.6570% | 992 |
| Noncurrent loans to loans | 1.2517% | 768 |
| Net loans and leases to total assets | 51.3658% | 3,134 |
| Net loans and leases to deposits | 59.5918% | 3,113 |
| Net loans and leases to core deposits | 61.7897% | 3,182 |
| Total domestic deposits to total assets | 86.1960% | 2,836 |
| Equity capital to assets | 12.6878% | 997 |
| Core capital (leverage) ratio | 11.7626% | 1,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9482% | 495 |
| Memoranda: | ||
| Average total assets | $41,003,400 | 4,653 |
| Average earning assets | $38,412,000 | 4,633 |
| Average equity | $4,561,000 | 4,664 |
| Average total loans | $26,296,000 | 4,451 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0091% | 1,515 |
| Cost of funding earning assets | 0.2525% | 3,098 |
| Net interest margin | 3.7566% | 1,209 |
| Noninterest income to average assets | 0.2395% | 3,968 |
| Noninterest expense to average assets | 3.8289% | 336 |
| Loan and lease loss provision to assets | 0.0492% | 2,014 |
| Net operating income to assets | -0.1247% | 4,778 |
| Return on assets (ROA) | -0.1247% | 4,786 |
| Pretax return on assets | -0.1247% | 4,783 |
| Return on Equity (ROE) | -1.1636% | 4,794 |
| Retained earnings to average equity (ytd only) | -1.1636% | 4,672 |
| Net charge-offs to loans | -0.5617% | 4,849 |
| Credit loss provision to net charge-offs | -13.0435% | 3,059 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.7273% | 176 |
| Assets per employee ($millions) | 4.1503% | 4,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1640% | 483 |
| Loan loss allowance to noncurrent loans | 74.1240% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 1.7878% | 235 |
| Noncurrent loans to loans | 2.9194% | 230 |
| Net loans and leases to total assets | 59.9137% | 2,273 |
| Net loans and leases to deposits | 70.0096% | 2,247 |
| Net loans and leases to core deposits | 72.6672% | 2,357 |
| Total domestic deposits to total assets | 85.5794% | 2,921 |
| Equity capital to assets | 12.6328% | 1,115 |
| Core capital (leverage) ratio | 11.4846% | 1,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6292% | 448 |
| Memoranda: | ||
| Average total assets | $40,637,750 | 4,723 |
| Average earning assets | $38,012,250 | 4,704 |
| Average equity | $4,354,250 | 4,750 |
| Average total loans | $27,297,750 | 4,489 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9034% | 1,805 |
| Cost of funding earning assets | 0.2815% | 2,959 |
| Net interest margin | 3.6219% | 1,540 |
| Noninterest income to average assets | 0.1388% | 4,506 |
| Noninterest expense to average assets | 3.8464% | 324 |
| Loan and lease loss provision to assets | 0.0744% | 1,590 |
| Net operating income to assets | -0.4015% | 4,857 |
| Return on assets (ROA) | -0.4015% | 4,861 |
| Pretax return on assets | -0.4015% | 4,855 |
| Return on Equity (ROE) | -3.9921% | 4,867 |
| Retained earnings to average equity (ytd only) | -3.9921% | 4,759 |
| Net charge-offs to loans | -0.7592% | 4,888 |
| Credit loss provision to net charge-offs | -14.1509% | 2,910 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.6479% | 127 |
| Assets per employee ($millions) | 3.9841% | 4,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8737% | 773 |
| Loan loss allowance to noncurrent loans | 221.3115% | 2,324 |
| Noncurrent assets plus other real estate owned to assets | 0.6124% | 1,363 |
| Noncurrent loans to loans | 0.8466% | 1,454 |
| Net loans and leases to total assets | 70.9822% | 1,087 |
| Net loans and leases to deposits | 80.8046% | 1,353 |
| Net loans and leases to core deposits | 85.2038% | 1,477 |
| Total domestic deposits to total assets | 87.8442% | 1,916 |
| Equity capital to assets | 10.5093% | 2,388 |
| Core capital (leverage) ratio | 8.9023% | 3,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0003% | 958 |
| Memoranda: | ||
| Average total assets | $40,349,333 | 4,757 |
| Average earning assets | $37,659,333 | 4,738 |
| Average equity | $4,058,000 | 4,800 |
| Average total loans | $27,925,000 | 4,510 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8297% | 4,342 |
| Cost of funding earning assets | 0.2956% | 3,041 |
| Net interest margin | 2.5341% | 4,255 |
| Noninterest income to average assets | 1.3595% | 708 |
| Noninterest expense to average assets | 3.9997% | 284 |
| Loan and lease loss provision to assets | 0.1478% | 886 |
| Net operating income to assets | -0.4236% | 4,877 |
| Return on assets (ROA) | -0.4236% | 4,883 |
| Pretax return on assets | -0.4236% | 4,881 |
| Return on Equity (ROE) | -4.3070% | 4,898 |
| Retained earnings to average equity (ytd only) | -4.3070% | 4,672 |
| Net charge-offs to loans | -0.0291% | 4,158 |
| Credit loss provision to net charge-offs | -750.0000% | 3,269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.1746% | 161 |
| Assets per employee ($millions) | 4.5628% | 4,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5237% | 1,524 |
| Loan loss allowance to noncurrent loans | 136.2500% | 2,920 |
| Noncurrent assets plus other real estate owned to assets | 0.7793% | 1,160 |
| Noncurrent loans to loans | 1.1183% | 1,196 |
| Net loans and leases to total assets | 68.6180% | 1,453 |
| Net loans and leases to deposits | 78.1637% | 1,703 |
| Net loans and leases to core deposits | 82.2667% | 1,818 |
| Total domestic deposits to total assets | 87.7877% | 1,956 |
| Equity capital to assets | 9.7821% | 2,914 |
| Core capital (leverage) ratio | 7.9969% | 4,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9476% | 1,304 |
| Memoranda: | ||
| Average total assets | $40,603,500 | 4,778 |
| Average earning assets | $37,883,500 | 4,755 |
| Average equity | $3,993,500 | 4,826 |
| Average total loans | $27,477,500 | 4,545 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1309% | 4,530 |
| Cost of funding earning assets | 0.3281% | 3,987 |
| Net interest margin | 2.8028% | 4,264 |
| Noninterest income to average assets | 0.8857% | 1,306 |
| Noninterest expense to average assets | 4.6593% | 230 |
| Loan and lease loss provision to assets | 1.1714% | 58 |
| Net operating income to assets | -2.3480% | 4,967 |
| Return on assets (ROA) | -2.3559% | 4,967 |
| Pretax return on assets | -2.3559% | 4,968 |
| Return on Equity (ROE) | -21.6815% | 4,974 |
| Retained earnings to average equity (ytd only) | -21.6815% | 4,962 |
| Net charge-offs to loans | 0.8331% | 173 |
| Credit loss provision to net charge-offs | 232.8125% | 2,004 |
| Earnings coverage of net charge-offs (x) | -2.3385% | 3,363 |
| Efficiency ratio | 125.4327% | 65 |
| Assets per employee ($millions) | 3.6493% | 4,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5907% | 1,321 |
| Loan loss allowance to noncurrent loans | 28.0643% | 4,299 |
| Noncurrent assets plus other real estate owned to assets | 3.7193% | 74 |
| Noncurrent loans to loans | 5.6680% | 61 |
| Net loans and leases to total assets | 64.5758% | 2,283 |
| Net loans and leases to deposits | 82.7967% | 1,570 |
| Net loans and leases to core deposits | 87.8176% | 1,707 |
| Total domestic deposits to total assets | 77.9931% | 4,315 |
| Equity capital to assets | 9.8899% | 3,227 |
| Core capital (leverage) ratio | 8.1549% | 4,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1700% | 1,795 |
| Memoranda: | ||
| Average total assets | $38,160,000 | 4,793 |
| Average earning assets | $35,357,600 | 4,775 |
| Average equity | $4,146,400 | 4,833 |
| Average total loans | $23,046,600 | 4,661 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1525% | 4,630 |
| Cost of funding earning assets | 0.3328% | 4,137 |
| Net interest margin | 2.8196% | 4,308 |
| Noninterest income to average assets | 0.9558% | 1,108 |
| Noninterest expense to average assets | 4.7966% | 207 |
| Loan and lease loss provision to assets | 0.9903% | 145 |
| Net operating income to assets | -2.2231% | 4,993 |
| Return on assets (ROA) | -2.2337% | 4,994 |
| Pretax return on assets | -2.2337% | 4,989 |
| Return on Equity (ROE) | -20.0767% | 5,000 |
| Retained earnings to average equity (ytd only) | -20.0767% | 4,983 |
| Net charge-offs to loans | 0.3720% | 425 |
| Credit loss provision to net charge-offs | 451.6129% | 1,361 |
| Earnings coverage of net charge-offs (x) | -5.6129% | 3,191 |
| Efficiency ratio | 125.2234% | 66 |
| Assets per employee ($millions) | 3.7813% | 4,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4008% | 1,734 |
| Loan loss allowance to noncurrent loans | 28.2127% | 4,329 |
| Noncurrent assets plus other real estate owned to assets | 3.2553% | 123 |
| Noncurrent loans to loans | 4.9650% | 110 |
| Net loans and leases to total assets | 64.6463% | 2,684 |
| Net loans and leases to deposits | 88.8804% | 1,386 |
| Net loans and leases to core deposits | 93.6214% | 1,670 |
| Total domestic deposits to total assets | 72.7340% | 4,657 |
| Equity capital to assets | 9.9413% | 3,277 |
| Core capital (leverage) ratio | 8.7454% | 4,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5106% | 1,651 |
| Memoranda: | ||
| Average total assets | $37,664,500 | 4,822 |
| Average earning assets | $34,850,250 | 4,809 |
| Average equity | $4,190,500 | 4,852 |
| Average total loans | $22,223,000 | 4,707 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2763% | 4,670 |
| Cost of funding earning assets | 0.3342% | 4,341 |
| Net interest margin | 2.9421% | 4,237 |
| Noninterest income to average assets | 1.1388% | 772 |
| Noninterest expense to average assets | 5.0778% | 181 |
| Loan and lease loss provision to assets | 1.1278% | 164 |
| Net operating income to assets | -2.3546% | 5,023 |
| Return on assets (ROA) | -2.3711% | 5,024 |
| Pretax return on assets | -2.3711% | 5,017 |
| Return on Equity (ROE) | -20.4799% | 5,031 |
| Retained earnings to average equity (ytd only) | -20.4799% | 5,008 |
| Net charge-offs to loans | 0.5842% | 265 |
| Credit loss provision to net charge-offs | 341.6667% | 1,534 |
| Earnings coverage of net charge-offs (x) | -3.7167% | 2,971 |
| Efficiency ratio | 122.2857% | 83 |
| Assets per employee ($millions) | 3.5491% | 4,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1854% | 2,590 |
| Loan loss allowance to noncurrent loans | 40.4980% | 4,223 |
| Noncurrent assets plus other real estate owned to assets | 1.7915% | 446 |
| Noncurrent loans to loans | 2.9271% | 338 |
| Net loans and leases to total assets | 60.4804% | 3,269 |
| Net loans and leases to deposits | 82.7699% | 2,115 |
| Net loans and leases to core deposits | 87.0320% | 2,350 |
| Total domestic deposits to total assets | 73.0705% | 4,648 |
| Equity capital to assets | 9.9791% | 3,224 |
| Core capital (leverage) ratio | 9.5975% | 3,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4210% | 2,852 |
| Memoranda: | ||
| Average total assets | $36,354,667 | 4,859 |
| Average earning assets | $33,513,333 | 4,849 |
| Average equity | $4,209,000 | 4,880 |
| Average total loans | $20,540,333 | 4,761 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7536% | 4,292 |
| Cost of funding earning assets | 0.3688% | 4,465 |
| Net interest margin | 3.3848% | 3,346 |
| Noninterest income to average assets | 0.3249% | 3,576 |
| Noninterest expense to average assets | 5.7525% | 162 |
| Loan and lease loss provision to assets | 0.6017% | 460 |
| Net operating income to assets | -2.9364% | 5,072 |
| Return on assets (ROA) | -2.9725% | 5,060 |
| Pretax return on assets | -2.9725% | 5,052 |
| Return on Equity (ROE) | -23.5884% | 5,070 |
| Retained earnings to average equity (ytd only) | -23.5884% | 4,998 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 156.6901% | 48 |
| Assets per employee ($millions) | 3.0105% | 4,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2016% | 2,663 |
| Loan loss allowance to noncurrent loans | 36.1486% | 4,307 |
| Noncurrent assets plus other real estate owned to assets | 1.7877% | 514 |
| Noncurrent loans to loans | 3.3240% | 298 |
| Net loans and leases to total assets | 53.1360% | 4,051 |
| Net loans and leases to deposits | 61.2035% | 4,148 |
| Net loans and leases to core deposits | 64.0227% | 4,166 |
| Total domestic deposits to total assets | 86.8187% | 1,642 |
| Equity capital to assets | 12.7586% | 1,583 |
| Core capital (leverage) ratio | 11.1078% | 2,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1310% | 1,316 |
| Memoranda: | ||
| Average total assets | $33,237,500 | 4,940 |
| Average earning assets | $30,371,000 | 4,932 |
| Average equity | $4,188,500 | 4,923 |
| Average total loans | $17,777,000 | 4,850 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5932% | 2,640 |
| Cost of funding earning assets | 0.2108% | 4,939 |
| Net interest margin | 4.3824% | 926 |
| Noninterest income to average assets | 0.3806% | 3,416 |
| Noninterest expense to average assets | 4.8785% | 237 |
| Loan and lease loss provision to assets | 0.4718% | 274 |
| Net operating income to assets | -0.9814% | 5,098 |
| Return on assets (ROA) | -0.9814% | 5,102 |
| Pretax return on assets | -0.9814% | 5,093 |
| Return on Equity (ROE) | -7.2025% | 5,102 |
| Retained earnings to average equity (ytd only) | -7.2025% | 5,032 |
| Net charge-offs to loans | 0.3496% | 576 |
| Credit loss provision to net charge-offs | 227.2727% | 1,176 |
| Earnings coverage of net charge-offs (x) | -2.4545% | 3,669 |
| Efficiency ratio | 102.0878% | 141 |
| Assets per employee ($millions) | 3.3495% | 4,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0998% | 2,956 |
| Loan loss allowance to noncurrent loans | 35.4317% | 4,350 |
| Noncurrent assets plus other real estate owned to assets | 1.6599% | 568 |
| Noncurrent loans to loans | 3.1041% | 295 |
| Net loans and leases to total assets | 52.8885% | 4,159 |
| Net loans and leases to deposits | 60.9769% | 4,242 |
| Net loans and leases to core deposits | 60.9769% | 4,394 |
| Total domestic deposits to total assets | 86.7353% | 1,739 |
| Equity capital to assets | 12.7989% | 1,641 |
| Core capital (leverage) ratio | 11.8883% | 1,850 |
| Tier 1 risk-based capital ratio | 16.3528% | 2,270 |
| Total risk-based capital ratio | 17.2156% | 2,368 |
| Memoranda: | ||
| Average total assets | $31,792,600 | 5,006 |
| Average earning assets | $28,934,000 | 4,998 |
| Average equity | $4,331,800 | 4,959 |
| Average total loans | $18,881,200 | 4,886 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6915% | 2,443 |
| Cost of funding earning assets | 0.1918% | 5,049 |
| Net interest margin | 4.4997% | 765 |
| Noninterest income to average assets | 0.3613% | 3,565 |
| Noninterest expense to average assets | 4.9860% | 216 |
| Loan and lease loss provision to assets | 0.4803% | 249 |
| Net operating income to assets | -1.0159% | 5,177 |
| Return on assets (ROA) | -1.0159% | 5,182 |
| Pretax return on assets | -1.0159% | 5,175 |
| Return on Equity (ROE) | -7.3373% | 5,182 |
| Retained earnings to average equity (ytd only) | -7.3373% | 5,112 |
| Net charge-offs to loans | 0.4253% | 393 |
| Credit loss provision to net charge-offs | 185.2459% | 1,401 |
| Earnings coverage of net charge-offs (x) | -2.0657% | 3,401 |
| Efficiency ratio | 102.4833% | 135 |
| Assets per employee ($millions) | 2.8349% | 4,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8497% | 4,229 |
| Loan loss allowance to noncurrent loans | 29.5699% | 4,506 |
| Noncurrent assets plus other real estate owned to assets | 1.7894% | 556 |
| Noncurrent loans to loans | 2.8736% | 357 |
| Net loans and leases to total assets | 61.7400% | 3,519 |
| Net loans and leases to deposits | 72.0708% | 3,609 |
| Net loans and leases to core deposits | 72.0708% | 3,944 |
| Total domestic deposits to total assets | 85.6657% | 2,132 |
| Equity capital to assets | 13.9238% | 1,182 |
| Core capital (leverage) ratio | 12.4394% | 1,606 |
| Tier 1 risk-based capital ratio | 15.7826% | 2,522 |
| Total risk-based capital ratio | 16.4729% | 2,679 |
| Memoranda: | ||
| Average total assets | $31,367,000 | 5,085 |
| Average earning assets | $28,505,000 | 5,079 |
| Average equity | $4,343,000 | 5,027 |
| Average total loans | $19,123,500 | 4,957 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7082% | 2,335 |
| Cost of funding earning assets | 0.1682% | 5,129 |
| Net interest margin | 4.5401% | 703 |
| Noninterest income to average assets | 0.3373% | 3,676 |
| Noninterest expense to average assets | 5.2119% | 191 |
| Loan and lease loss provision to assets | 0.4773% | 248 |
| Net operating income to assets | -1.2282% | 5,235 |
| Return on assets (ROA) | -1.2282% | 5,237 |
| Pretax return on assets | -1.2282% | 5,234 |
| Return on Equity (ROE) | -8.8872% | 5,231 |
| Retained earnings to average equity (ytd only) | -8.8872% | 5,155 |
| Net charge-offs to loans | -0.1577% | 5,093 |
| Credit loss provision to net charge-offs | -500.0000% | 4,131 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.2753% | 114 |
| Assets per employee ($millions) | 3.1205% | 4,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0818% | 3,165 |
| Loan loss allowance to noncurrent loans | 23.7150% | 4,638 |
| Noncurrent assets plus other real estate owned to assets | 2.7432% | 246 |
| Noncurrent loans to loans | 4.5617% | 131 |
| Net loans and leases to total assets | 59.4841% | 3,783 |
| Net loans and leases to deposits | 69.4582% | 3,883 |
| Net loans and leases to core deposits | 69.4582% | 4,134 |
| Total domestic deposits to total assets | 85.6401% | 2,204 |
| Equity capital to assets | 13.9369% | 1,138 |
| Core capital (leverage) ratio | 12.3952% | 1,589 |
| Tier 1 risk-based capital ratio | 15.9530% | 2,435 |
| Total risk-based capital ratio | 16.8086% | 2,533 |
| Memoranda: | ||
| Average total assets | $31,428,000 | 5,130 |
| Average earning assets | $28,545,670 | 5,123 |
| Average equity | $4,343,330 | 5,065 |
| Average total loans | $19,025,330 | 4,994 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6809% | 2,294 |
| Cost of funding earning assets | 0.1677% | 5,184 |
| Net interest margin | 4.5132% | 721 |
| Noninterest income to average assets | 0.2917% | 3,925 |
| Noninterest expense to average assets | 5.3393% | 175 |
| Loan and lease loss provision to assets | 0.4819% | 223 |
| Net operating income to assets | -1.4331% | 5,306 |
| Return on assets (ROA) | -1.4331% | 5,303 |
| Pretax return on assets | -1.4331% | 5,298 |
| Return on Equity (ROE) | -10.4135% | 5,296 |
| Retained earnings to average equity (ytd only) | -10.4135% | 5,120 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.1387% | 95 |
| Assets per employee ($millions) | 2.6063% | 5,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7729% | 4,595 |
| Loan loss allowance to noncurrent loans | 16.5752% | 4,756 |
| Noncurrent assets plus other real estate owned to assets | 2.9129% | 217 |
| Noncurrent loans to loans | 4.6627% | 135 |
| Net loans and leases to total assets | 61.9888% | 3,504 |
| Net loans and leases to deposits | 72.2910% | 3,581 |
| Net loans and leases to core deposits | 72.2910% | 3,923 |
| Total domestic deposits to total assets | 85.7490% | 2,387 |
| Equity capital to assets | 13.8066% | 1,107 |
| Core capital (leverage) ratio | 12.2503% | 1,635 |
| Tier 1 risk-based capital ratio | 15.8487% | 2,510 |
| Total risk-based capital ratio | 16.4730% | 2,689 |
| Memoranda: | ||
| Average total assets | $31,539,500 | 5,184 |
| Average earning assets | $28,627,000 | 5,179 |
| Average equity | $4,340,500 | 5,107 |
| Average total loans | $19,155,500 | 5,052 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2214% | 5,361 |
| Cost of funding earning assets | 0.0824% | 5,323 |
| Net interest margin | 2.1390% | 5,315 |
| Noninterest income to average assets | 1.5582% | 386 |
| Noninterest expense to average assets | 2.3100% | 4,093 |
| Loan and lease loss provision to assets | 0.4883% | 243 |
| Net operating income to assets | 0.7614% | 3,935 |
| Return on assets (ROA) | 0.7614% | 3,937 |
| Pretax return on assets | 0.7614% | 4,269 |
| Return on Equity (ROE) | 9.1569% | 2,914 |
| Retained earnings to average equity (ytd only) | 9.1569% | 810 |
| Net charge-offs to loans | 0.2048% | 935 |
| Credit loss provision to net charge-offs | 389.7436% | 842 |
| Earnings coverage of net charge-offs (x) | 9.9744% | 2,769 |
| Efficiency ratio | 64.8917% | 3,045 |
| Assets per employee ($millions) | 2.4465% | 5,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6019% | 4,966 |
| Loan loss allowance to noncurrent loans | 10.0089% | 4,810 |
| Noncurrent assets plus other real estate owned to assets | 3.5499% | 146 |
| Noncurrent loans to loans | 6.0140% | 74 |
| Net loans and leases to total assets | 58.6719% | 3,905 |
| Net loans and leases to deposits | 68.3491% | 3,951 |
| Net loans and leases to core deposits | 68.3491% | 4,217 |
| Total domestic deposits to total assets | 85.8414% | 2,307 |
| Equity capital to assets | 13.7184% | 1,059 |
| Core capital (leverage) ratio | 12.7423% | 1,351 |
| Tier 1 risk-based capital ratio | 15.8882% | 2,450 |
| Total risk-based capital ratio | 16.3472% | 2,722 |
| Memoranda: | ||
| Average total assets | $31,126,000 | 5,226 |
| Average earning assets | $29,126,400 | 5,205 |
| Average equity | $2,588,200 | 5,315 |
| Average total loans | $19,046,600 | 5,099 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3844% | 5,466 |
| Cost of funding earning assets | 0.0548% | 5,428 |
| Net interest margin | 1.3296% | 5,459 |
| Noninterest income to average assets | 1.7529% | 338 |
| Noninterest expense to average assets | 1.3653% | 5,340 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.6410% | 860 |
| Return on assets (ROA) | 1.6410% | 868 |
| Pretax return on assets | 1.6410% | 1,443 |
| Return on Equity (ROE) | 23.6880% | 110 |
| Retained earnings to average equity (ytd only) | 23.6880% | 28 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4155% | 5,169 |
| Assets per employee ($millions) | 2.8682% | 5,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,431 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,946 |
| Noncurrent assets plus other real estate owned to assets | 1.2330% | 1,127 |
| Noncurrent loans to loans | 2.1375% | 672 |
| Net loans and leases to total assets | 57.6830% | 4,073 |
| Net loans and leases to deposits | 67.3738% | 4,100 |
| Net loans and leases to core deposits | 67.3738% | 4,327 |
| Total domestic deposits to total assets | 85.6165% | 2,350 |
| Equity capital to assets | 14.0412% | 947 |
| Core capital (leverage) ratio | 13.2296% | 1,197 |
| Tier 1 risk-based capital ratio | 17.1578% | 2,038 |
| Total risk-based capital ratio | 17.1578% | 2,417 |
| Memoranda: | ||
| Average total assets | $30,956,500 | 5,296 |
| Average earning assets | $29,181,750 | 5,273 |
| Average equity | $2,144,500 | 5,412 |
| Average total loans | $19,115,000 | 5,156 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7034% | 4,576 |
| Cost of funding earning assets | 0.1702% | 5,153 |
| Net interest margin | 3.5332% | 3,521 |
| Noninterest income to average assets | 0.3641% | 3,716 |
| Noninterest expense to average assets | 4.8117% | 238 |
| Loan and lease loss provision to assets | 0.1886% | 932 |
| Net operating income to assets | -1.2614% | 5,486 |
| Return on assets (ROA) | -1.2614% | 5,480 |
| Pretax return on assets | -1.2614% | 5,479 |
| Return on Equity (ROE) | -28.0616% | 5,521 |
| Retained earnings to average equity (ytd only) | -28.0616% | 5,510 |
| Net charge-offs to loans | 0.1545% | 1,003 |
| Credit loss provision to net charge-offs | 193.3333% | 1,336 |
| Earnings coverage of net charge-offs (x) | -11.0000% | 3,184 |
| Efficiency ratio | 128.6957% | 54 |
| Assets per employee ($millions) | 2.3240% | 5,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1026% | 3,242 |
| Loan loss allowance to noncurrent loans | 32.5806% | 4,722 |
| Noncurrent assets plus other real estate owned to assets | 2.0522% | 517 |
| Noncurrent loans to loans | 3.3841% | 300 |
| Net loans and leases to total assets | 59.9729% | 3,814 |
| Net loans and leases to deposits | 62.8412% | 4,368 |
| Net loans and leases to core deposits | 62.8412% | 4,566 |
| Total domestic deposits to total assets | 95.4356% | 3 |
| Equity capital to assets | 3.9951% | 5,534 |
| Core capital (leverage) ratio | 4.9252% | 5,532 |
| Tier 1 risk-based capital ratio | 6.9147% | 5,534 |
| Total risk-based capital ratio | 7.8211% | 5,534 |
| Memoranda: | ||
| Average total assets | $30,758,670 | 5,359 |
| Average earning assets | $29,378,670 | 5,336 |
| Average equity | $1,382,670 | 5,523 |
| Average total loans | $19,420,330 | 5,210 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6948% | 4,476 |
| Cost of funding earning assets | 0.1618% | 5,211 |
| Net interest margin | 3.5330% | 3,415 |
| Noninterest income to average assets | 0.3609% | 3,732 |
| Noninterest expense to average assets | 4.0345% | 507 |
| Loan and lease loss provision to assets | 0.1289% | 1,464 |
| Net operating income to assets | -0.4254% | 5,486 |
| Return on assets (ROA) | -0.4254% | 5,483 |
| Pretax return on assets | -0.4254% | 5,485 |
| Return on Equity (ROE) | -8.9765% | 5,527 |
| Retained earnings to average equity (ytd only) | -8.9765% | 5,341 |
| Net charge-offs to loans | 0.3005% | 503 |
| Credit loss provision to net charge-offs | 66.6667% | 1,852 |
| Earnings coverage of net charge-offs (x) | -1.5333% | 2,677 |
| Efficiency ratio | 107.9310% | 112 |
| Assets per employee ($millions) | 2.4338% | 5,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9458% | 4,239 |
| Loan loss allowance to noncurrent loans | 28.6385% | 4,826 |
| Noncurrent assets plus other real estate owned to assets | 2.0196% | 560 |
| Noncurrent loans to loans | 3.3027% | 330 |
| Net loans and leases to total assets | 60.5721% | 3,695 |
| Net loans and leases to deposits | 63.6774% | 4,227 |
| Net loans and leases to core deposits | 63.6774% | 4,444 |
| Total domestic deposits to total assets | 95.1233% | 7 |
| Equity capital to assets | 4.4185% | 5,592 |
| Core capital (leverage) ratio | 5.3773% | 5,586 |
| Tier 1 risk-based capital ratio | 7.2728% | 5,593 |
| Total risk-based capital ratio | 8.0543% | 5,595 |
| Memoranda: | ||
| Average total assets | $31,032,000 | 5,416 |
| Average earning assets | $29,663,000 | 5,392 |
| Average equity | $1,470,500 | 5,579 |
| Average total loans | $19,970,000 | 5,258 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8690% | 3,830 |
| Cost of funding earning assets | 0.1689% | 5,161 |
| Net interest margin | 3.7001% | 2,802 |
| Noninterest income to average assets | 0.3949% | 3,672 |
| Noninterest expense to average assets | 4.8625% | 237 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -0.9534% | 5,581 |
| Return on assets (ROA) | -0.9595% | 5,583 |
| Pretax return on assets | -0.9595% | 5,594 |
| Return on Equity (ROE) | -17.8715% | 5,634 |
| Retained earnings to average equity (ytd only) | -17.8715% | 5,606 |
| Net charge-offs to loans | 0.0591% | 2,622 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | -23.7692% | 4,106 |
| Efficiency ratio | 124.3883% | 52 |
| Assets per employee ($millions) | 2.5364% | 5,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1427% | 3,105 |
| Loan loss allowance to noncurrent loans | 76.1290% | 3,978 |
| Noncurrent assets plus other real estate owned to assets | 1.0185% | 1,504 |
| Noncurrent loans to loans | 1.5011% | 1,133 |
| Net loans and leases to total assets | 67.0763% | 2,954 |
| Net loans and leases to deposits | 71.1731% | 3,777 |
| Net loans and leases to core deposits | 71.1731% | 4,102 |
| Total domestic deposits to total assets | 94.2438% | 11 |
| Equity capital to assets | 5.1122% | 5,648 |
| Core capital (leverage) ratio | 5.6020% | 5,642 |
| Tier 1 risk-based capital ratio | 7.4184% | 5,653 |
| Total risk-based capital ratio | 8.4200% | 5,655 |
| Memoranda: | ||
| Average total assets | $32,411,400 | 5,460 |
| Average earning assets | $30,783,000 | 5,428 |
| Average equity | $1,740,200 | 5,630 |
| Average total loans | $21,984,000 | 5,257 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8799% | 3,741 |
| Cost of funding earning assets | 0.1709% | 5,190 |
| Net interest margin | 3.7089% | 2,723 |
| Noninterest income to average assets | 0.3971% | 3,705 |
| Noninterest expense to average assets | 4.7975% | 249 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -0.8833% | 5,664 |
| Return on assets (ROA) | -0.8914% | 5,664 |
| Pretax return on assets | -0.8914% | 5,656 |
| Return on Equity (ROE) | -16.4216% | 5,702 |
| Retained earnings to average equity (ytd only) | -16.4216% | 5,667 |
| Net charge-offs to loans | -0.0717% | 5,282 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.5673% | 56 |
| Assets per employee ($millions) | 2.4138% | 5,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2141% | 2,842 |
| Loan loss allowance to noncurrent loans | 79.8165% | 3,927 |
| Noncurrent assets plus other real estate owned to assets | 1.0421% | 1,621 |
| Noncurrent loans to loans | 1.5211% | 1,225 |
| Net loans and leases to total assets | 67.6758% | 2,890 |
| Net loans and leases to deposits | 73.2124% | 3,644 |
| Net loans and leases to core deposits | 73.2124% | 4,042 |
| Total domestic deposits to total assets | 92.4376% | 42 |
| Equity capital to assets | 5.4654% | 5,710 |
| Core capital (leverage) ratio | 5.6995% | 5,705 |
| Tier 1 risk-based capital ratio | 7.5782% | 5,716 |
| Total risk-based capital ratio | 8.6537% | 5,717 |
| Memoranda: | ||
| Average total assets | $32,905,000 | 5,513 |
| Average earning assets | $31,203,000 | 5,481 |
| Average equity | $1,786,250 | 5,689 |
| Average total loans | $22,317,000 | 5,299 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8705% | 3,653 |
| Cost of funding earning assets | 0.1708% | 5,204 |
| Net interest margin | 3.6998% | 2,662 |
| Noninterest income to average assets | 0.3831% | 3,806 |
| Noninterest expense to average assets | 4.7346% | 267 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -0.8500% | 5,708 |
| Return on assets (ROA) | -0.8619% | 5,706 |
| Pretax return on assets | -0.8619% | 5,700 |
| Return on Equity (ROE) | -15.9116% | 5,743 |
| Retained earnings to average equity (ytd only) | -15.9116% | 5,706 |
| Net charge-offs to loans | -0.0974% | 5,402 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.8798% | 59 |
| Assets per employee ($millions) | 2.5141% | 5,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1574% | 3,267 |
| Loan loss allowance to noncurrent loans | 53.3881% | 4,505 |
| Noncurrent assets plus other real estate owned to assets | 1.4901% | 1,030 |
| Noncurrent loans to loans | 2.1679% | 752 |
| Net loans and leases to total assets | 67.9375% | 2,827 |
| Net loans and leases to deposits | 73.0996% | 3,636 |
| Net loans and leases to core deposits | 73.0996% | 4,015 |
| Total domestic deposits to total assets | 92.9382% | 29 |
| Equity capital to assets | 5.4707% | 5,756 |
| Core capital (leverage) ratio | 5.7257% | 5,752 |
| Tier 1 risk-based capital ratio | 8.0198% | 5,762 |
| Total risk-based capital ratio | 9.1080% | 5,763 |
| Memoranda: | ||
| Average total assets | $33,413,670 | 5,550 |
| Average earning assets | $31,623,670 | 5,518 |
| Average equity | $1,810,000 | 5,740 |
| Average total loans | $22,590,330 | 5,336 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7385% | 3,980 |
| Cost of funding earning assets | 0.1750% | 5,197 |
| Net interest margin | 3.5634% | 3,033 |
| Noninterest income to average assets | 0.4026% | 3,643 |
| Noninterest expense to average assets | 4.8551% | 259 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -1.0776% | 5,783 |
| Return on assets (ROA) | -1.0776% | 5,784 |
| Pretax return on assets | -1.0776% | 5,775 |
| Return on Equity (ROE) | -19.9890% | 5,818 |
| Retained earnings to average equity (ytd only) | -19.9890% | 5,725 |
| Net charge-offs to loans | -0.2119% | 5,632 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.5266% | 60 |
| Assets per employee ($millions) | 2.8055% | 5,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1656% | 3,332 |
| Loan loss allowance to noncurrent loans | 25.7396% | 5,113 |
| Noncurrent assets plus other real estate owned to assets | 3.0119% | 338 |
| Noncurrent loans to loans | 4.5284% | 199 |
| Net loans and leases to total assets | 65.7369% | 3,013 |
| Net loans and leases to deposits | 69.7083% | 3,833 |
| Net loans and leases to core deposits | 69.7083% | 4,166 |
| Total domestic deposits to total assets | 94.3029% | 13 |
| Equity capital to assets | 5.3110% | 5,824 |
| Core capital (leverage) ratio | 5.5998% | 5,819 |
| Tier 1 risk-based capital ratio | 7.6520% | 5,830 |
| Total risk-based capital ratio | 8.6663% | 5,831 |
| Memoranda: | ||
| Average total assets | $33,779,000 | 5,610 |
| Average earning assets | $31,991,500 | 5,576 |
| Average equity | $1,821,000 | 5,803 |
| Average total loans | $22,653,500 | 5,387 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6452% | 4,385 |
| Cost of funding earning assets | 0.1812% | 5,200 |
| Net interest margin | 3.4641% | 3,565 |
| Noninterest income to average assets | 0.4555% | 3,507 |
| Noninterest expense to average assets | 4.4772% | 387 |
| Loan and lease loss provision to assets | -0.0721% | 5,634 |
| Net operating income to assets | -0.6977% | 5,813 |
| Return on assets (ROA) | -0.6804% | 5,815 |
| Pretax return on assets | -0.6804% | 5,804 |
| Return on Equity (ROE) | -11.0611% | 5,839 |
| Retained earnings to average equity (ytd only) | -11.0611% | 5,794 |
| Net charge-offs to loans | 0.7744% | 267 |
| Credit loss provision to net charge-offs | -13.5135% | 4,757 |
| Earnings coverage of net charge-offs (x) | -1.4432% | 4,183 |
| Efficiency ratio | 120.7621% | 83 |
| Assets per employee ($millions) | 2.6071% | 5,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0866% | 3,786 |
| Loan loss allowance to noncurrent loans | 88.6121% | 3,856 |
| Noncurrent assets plus other real estate owned to assets | 2.0595% | 656 |
| Noncurrent loans to loans | 1.2263% | 1,676 |
| Net loans and leases to total assets | 66.8771% | 2,951 |
| Net loans and leases to deposits | 71.0221% | 3,809 |
| Net loans and leases to core deposits | 71.0221% | 4,146 |
| Total domestic deposits to total assets | 94.1638% | 21 |
| Equity capital to assets | 5.4703% | 5,866 |
| Core capital (leverage) ratio | 5.9438% | 5,861 |
| Tier 1 risk-based capital ratio | 7.8846% | 5,880 |
| Total risk-based capital ratio | 8.8376% | 5,884 |
| Memoranda: | ||
| Average total assets | $34,686,800 | 5,637 |
| Average earning assets | $32,563,000 | 5,615 |
| Average equity | $2,133,600 | 5,837 |
| Average total loans | $23,888,600 | 5,398 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6376% | 4,441 |
| Cost of funding earning assets | 0.1792% | 5,268 |
| Net interest margin | 3.4584% | 3,636 |
| Noninterest income to average assets | 0.4663% | 3,451 |
| Noninterest expense to average assets | 4.2997% | 446 |
| Loan and lease loss provision to assets | -0.0955% | 5,787 |
| Net operating income to assets | -0.4930% | 5,854 |
| Return on assets (ROA) | -0.4701% | 5,856 |
| Pretax return on assets | -0.4701% | 5,847 |
| Return on Equity (ROE) | -7.4427% | 5,889 |
| Retained earnings to average equity (ytd only) | -7.4427% | 5,805 |
| Net charge-offs to loans | 0.9835% | 175 |
| Credit loss provision to net charge-offs | -14.0449% | 4,626 |
| Earnings coverage of net charge-offs (x) | -0.8652% | 3,848 |
| Efficiency ratio | 115.8599% | 96 |
| Assets per employee ($millions) | 2.5859% | 5,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0999% | 3,834 |
| Loan loss allowance to noncurrent loans | 96.9697% | 3,686 |
| Noncurrent assets plus other real estate owned to assets | 2.1953% | 670 |
| Noncurrent loans to loans | 1.1343% | 1,984 |
| Net loans and leases to total assets | 68.4743% | 2,727 |
| Net loans and leases to deposits | 73.4375% | 3,648 |
| Net loans and leases to core deposits | 73.4375% | 4,045 |
| Total domestic deposits to total assets | 93.2415% | 27 |
| Equity capital to assets | 6.4670% | 5,919 |
| Core capital (leverage) ratio | 6.3233% | 5,916 |
| Tier 1 risk-based capital ratio | 8.2787% | 5,937 |
| Total risk-based capital ratio | 9.2540% | 5,939 |
| Memoranda: | ||
| Average total assets | $34,885,500 | 5,695 |
| Average earning assets | $32,731,250 | 5,672 |
| Average equity | $2,203,500 | 5,890 |
| Average total loans | $24,132,000 | 5,441 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6250% | 4,521 |
| Cost of funding earning assets | 0.1809% | 5,310 |
| Net interest margin | 3.4440% | 3,711 |
| Noninterest income to average assets | 0.4192% | 3,746 |
| Noninterest expense to average assets | 4.3559% | 429 |
| Loan and lease loss provision to assets | -0.1416% | 5,907 |
| Net operating income to assets | -0.5608% | 5,931 |
| Return on assets (ROA) | -0.5608% | 5,933 |
| Pretax return on assets | -0.5608% | 5,926 |
| Return on Equity (ROE) | -8.9458% | 5,971 |
| Retained earnings to average equity (ytd only) | -8.9458% | 5,861 |
| Net charge-offs to loans | 1.4662% | 99 |
| Credit loss provision to net charge-offs | -13.9665% | 4,467 |
| Earnings coverage of net charge-offs (x) | -0.6927% | 3,579 |
| Efficiency ratio | 119.2248% | 94 |
| Assets per employee ($millions) | 2.9118% | 5,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0870% | 4,020 |
| Loan loss allowance to noncurrent loans | 95.1493% | 3,801 |
| Noncurrent assets plus other real estate owned to assets | 2.1235% | 745 |
| Noncurrent loans to loans | 1.1424% | 2,015 |
| Net loans and leases to total assets | 66.4101% | 3,026 |
| Net loans and leases to deposits | 71.0894% | 3,877 |
| Net loans and leases to core deposits | 71.0894% | 4,244 |
| Total domestic deposits to total assets | 93.4177% | 23 |
| Equity capital to assets | 6.2704% | 6,004 |
| Core capital (leverage) ratio | 6.1653% | 6,000 |
| Tier 1 risk-based capital ratio | 8.3003% | 6,015 |
| Total risk-based capital ratio | 9.2637% | 6,019 |
| Memoranda: | ||
| Average total assets | $35,308,330 | 5,758 |
| Average earning assets | $33,159,000 | 5,730 |
| Average equity | $2,213,330 | 5,962 |
| Average total loans | $24,417,670 | 5,482 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6632% | 4,440 |
| Cost of funding earning assets | 0.1802% | 5,374 |
| Net interest margin | 3.4831% | 3,548 |
| Noninterest income to average assets | 0.4170% | 3,706 |
| Noninterest expense to average assets | 4.4969% | 396 |
| Loan and lease loss provision to assets | -0.2818% | 6,046 |
| Net operating income to assets | -0.5297% | 5,971 |
| Return on assets (ROA) | -0.5297% | 5,979 |
| Pretax return on assets | -0.5297% | 5,970 |
| Return on Equity (ROE) | -8.4513% | 6,013 |
| Retained earnings to average equity (ytd only) | -8.4513% | 5,765 |
| Net charge-offs to loans | 2.8759% | 40 |
| Credit loss provision to net charge-offs | -13.9665% | 4,091 |
| Earnings coverage of net charge-offs (x) | -0.4022% | 2,997 |
| Efficiency ratio | 122.0183% | 94 |
| Assets per employee ($millions) | 2.3799% | 5,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0820% | 4,152 |
| Loan loss allowance to noncurrent loans | 94.0959% | 3,755 |
| Noncurrent assets plus other real estate owned to assets | 2.0869% | 817 |
| Noncurrent loans to loans | 1.1499% | 2,109 |
| Net loans and leases to total assets | 65.3015% | 3,065 |
| Net loans and leases to deposits | 69.9619% | 3,865 |
| Net loans and leases to core deposits | 69.9619% | 4,245 |
| Total domestic deposits to total assets | 93.3387% | 34 |
| Equity capital to assets | 6.2187% | 6,060 |
| Core capital (leverage) ratio | 6.1826% | 6,056 |
| Tier 1 risk-based capital ratio | 8.4059% | 6,067 |
| Total risk-based capital ratio | 9.3590% | 6,074 |
| Memoranda: | ||
| Average total assets | $35,491,500 | 5,814 |
| Average earning assets | $33,304,000 | 5,781 |
| Average equity | $2,224,500 | 6,022 |
| Average total loans | $24,896,500 | 5,512 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7177% | 4,320 |
| Cost of funding earning assets | 0.1925% | 5,345 |
| Net interest margin | 3.5252% | 3,430 |
| Noninterest income to average assets | 0.3678% | 4,273 |
| Noninterest expense to average assets | 4.9677% | 285 |
| Loan and lease loss provision to assets | -0.0676% | 5,781 |
| Net operating income to assets | -1.2142% | 6,113 |
| Return on assets (ROA) | -1.1953% | 6,114 |
| Pretax return on assets | -1.1953% | 6,113 |
| Return on Equity (ROE) | -17.7524% | 6,134 |
| Retained earnings to average equity (ytd only) | -17.7524% | 6,112 |
| Net charge-offs to loans | 0.1030% | 2,382 |
| Credit loss provision to net charge-offs | -92.5926% | 5,126 |
| Earnings coverage of net charge-offs (x) | -17.5556% | 4,437 |
| Efficiency ratio | 134.7762% | 56 |
| Assets per employee ($millions) | 2.5203% | 5,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7502% | 1,238 |
| Loan loss allowance to noncurrent loans | 98.2869% | 3,724 |
| Noncurrent assets plus other real estate owned to assets | 2.6244% | 569 |
| Noncurrent loans to loans | 1.7807% | 1,243 |
| Net loans and leases to total assets | 73.0274% | 1,889 |
| Net loans and leases to deposits | 78.2811% | 3,021 |
| Net loans and leases to core deposits | 78.2811% | 3,517 |
| Total domestic deposits to total assets | 93.2887% | 43 |
| Equity capital to assets | 6.3173% | 6,106 |
| Core capital (leverage) ratio | 6.3034% | 6,108 |
| Tier 1 risk-based capital ratio | 7.9767% | 6,135 |
| Total risk-based capital ratio | 9.2308% | 6,135 |
| Memoranda: | ||
| Average total assets | $36,978,600 | 5,828 |
| Average earning assets | $34,806,200 | 5,790 |
| Average equity | $2,489,800 | 6,051 |
| Average total loans | $26,213,000 | 5,513 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7083% | 4,392 |
| Cost of funding earning assets | 0.1930% | 5,440 |
| Net interest margin | 3.5153% | 3,481 |
| Noninterest income to average assets | 0.3600% | 4,358 |
| Noninterest expense to average assets | 4.8837% | 303 |
| Loan and lease loss provision to assets | -0.0891% | 5,978 |
| Net operating income to assets | -1.1229% | 6,199 |
| Return on assets (ROA) | -1.0980% | 6,197 |
| Pretax return on assets | -1.0980% | 6,192 |
| Return on Equity (ROE) | -16.0728% | 6,215 |
| Retained earnings to average equity (ytd only) | -16.0728% | 6,184 |
| Net charge-offs to loans | 0.1374% | 1,758 |
| Credit loss provision to net charge-offs | -92.5926% | 5,045 |
| Earnings coverage of net charge-offs (x) | -12.5922% | 4,146 |
| Efficiency ratio | 133.0097% | 65 |
| Assets per employee ($millions) | 2.4999% | 5,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7822% | 1,304 |
| Loan loss allowance to noncurrent loans | 96.0251% | 3,761 |
| Noncurrent assets plus other real estate owned to assets | 2.8029% | 569 |
| Noncurrent loans to loans | 1.8560% | 1,261 |
| Net loans and leases to total assets | 72.2735% | 2,014 |
| Net loans and leases to deposits | 77.8068% | 3,115 |
| Net loans and leases to core deposits | 77.8068% | 3,626 |
| Total domestic deposits to total assets | 92.8884% | 51 |
| Equity capital to assets | 6.8402% | 6,161 |
| Core capital (leverage) ratio | 6.6366% | 6,159 |
| Tier 1 risk-based capital ratio | 8.5584% | 6,208 |
| Total risk-based capital ratio | 9.8123% | 6,208 |
| Memoranda: | ||
| Average total assets | $37,402,250 | 5,891 |
| Average earning assets | $35,235,750 | 5,860 |
| Average equity | $2,555,000 | 6,131 |
| Average total loans | $26,209,750 | 5,578 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6511% | 4,572 |
| Cost of funding earning assets | 0.2001% | 5,430 |
| Net interest margin | 3.4511% | 3,706 |
| Noninterest income to average assets | 0.3141% | 4,707 |
| Noninterest expense to average assets | 4.8635% | 319 |
| Loan and lease loss provision to assets | -0.1309% | 6,114 |
| Net operating income to assets | -1.1674% | 6,272 |
| Return on assets (ROA) | -1.1674% | 6,273 |
| Pretax return on assets | -1.1674% | 6,268 |
| Return on Equity (ROE) | -17.0968% | 6,287 |
| Retained earnings to average equity (ytd only) | -17.0968% | 6,248 |
| Net charge-offs to loans | 0.2731% | 968 |
| Credit loss provision to net charge-offs | -69.4444% | 4,848 |
| Earnings coverage of net charge-offs (x) | -6.8889% | 3,834 |
| Efficiency ratio | 136.4170% | 64 |
| Assets per employee ($millions) | 2.8269% | 5,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7655% | 1,445 |
| Loan loss allowance to noncurrent loans | 93.1677% | 3,873 |
| Noncurrent assets plus other real estate owned to assets | 2.6939% | 667 |
| Noncurrent loans to loans | 1.8950% | 1,312 |
| Net loans and leases to total assets | 68.1306% | 2,622 |
| Net loans and leases to deposits | 73.2341% | 3,588 |
| Net loans and leases to core deposits | 73.2341% | 4,023 |
| Total domestic deposits to total assets | 93.0313% | 53 |
| Equity capital to assets | 6.7810% | 6,224 |
| Core capital (leverage) ratio | 6.6580% | 6,226 |
| Tier 1 risk-based capital ratio | 8.9121% | 6,263 |
| Total risk-based capital ratio | 10.1665% | 6,252 |
| Memoranda: | ||
| Average total assets | $38,203,330 | 5,939 |
| Average earning assets | $35,989,000 | 5,904 |
| Average equity | $2,608,670 | 6,193 |
| Average total loans | $26,361,670 | 5,621 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5852% | 4,736 |
| Cost of funding earning assets | 0.2070% | 5,444 |
| Net interest margin | 3.3781% | 3,924 |
| Noninterest income to average assets | 0.2980% | 4,788 |
| Noninterest expense to average assets | 4.5723% | 409 |
| Loan and lease loss provision to assets | -0.2569% | 6,291 |
| Net operating income to assets | -0.8323% | 6,303 |
| Return on assets (ROA) | -0.8323% | 6,307 |
| Pretax return on assets | -0.8323% | 6,296 |
| Return on Equity (ROE) | -12.1485% | 6,329 |
| Retained earnings to average equity (ytd only) | -12.1485% | 6,178 |
| Net charge-offs to loans | 0.4776% | 522 |
| Credit loss provision to net charge-offs | -78.1250% | 4,453 |
| Earnings coverage of net charge-offs (x) | -3.3125% | 3,219 |
| Efficiency ratio | 131.2684% | 82 |
| Assets per employee ($millions) | 2.7841% | 5,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7251% | 1,676 |
| Loan loss allowance to noncurrent loans | 84.0741% | 4,071 |
| Noncurrent assets plus other real estate owned to assets | 2.6657% | 769 |
| Noncurrent loans to loans | 2.0518% | 1,267 |
| Net loans and leases to total assets | 66.3571% | 2,715 |
| Net loans and leases to deposits | 71.4002% | 3,602 |
| Net loans and leases to core deposits | 71.4002% | 4,020 |
| Total domestic deposits to total assets | 92.9369% | 63 |
| Equity capital to assets | 6.7322% | 6,284 |
| Core capital (leverage) ratio | 6.6974% | 6,268 |
| Tier 1 risk-based capital ratio | 9.0466% | 6,315 |
| Total risk-based capital ratio | 10.2962% | 6,304 |
| Memoranda: | ||
| Average total assets | $38,930,000 | 5,985 |
| Average earning assets | $36,706,500 | 5,946 |
| Average equity | $2,667,000 | 6,247 |
| Average total loans | $26,798,500 | 5,647 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6239% | 5,018 |
| Cost of funding earning assets | 0.1989% | 5,756 |
| Net interest margin | 3.4250% | 4,086 |
| Noninterest income to average assets | 0.4907% | 3,580 |
| Noninterest expense to average assets | 4.5260% | 449 |
| Loan and lease loss provision to assets | -0.3067% | 6,374 |
| Net operating income to assets | -0.5162% | 6,299 |
| Return on assets (ROA) | -0.4370% | 6,284 |
| Pretax return on assets | -0.4370% | 6,268 |
| Return on Equity (ROE) | -6.1675% | 6,316 |
| Retained earnings to average equity (ytd only) | -6.1675% | 6,227 |
| Net charge-offs to loans | 0.0854% | 3,277 |
| Credit loss provision to net charge-offs | -545.4545% | 5,806 |
| Earnings coverage of net charge-offs (x) | -14.6364% | 4,929 |
| Efficiency ratio | 122.2222% | 118 |
| Assets per employee ($millions) | 2.5922% | 6,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8732% | 1,377 |
| Loan loss allowance to noncurrent loans | 77.5417% | 4,285 |
| Noncurrent assets plus other real estate owned to assets | 2.9833% | 678 |
| Noncurrent loans to loans | 2.4158% | 1,069 |
| Net loans and leases to total assets | 68.8424% | 2,426 |
| Net loans and leases to deposits | 74.2010% | 3,411 |
| Net loans and leases to core deposits | 74.2010% | 3,903 |
| Total domestic deposits to total assets | 92.7783% | 80 |
| Equity capital to assets | 6.9696% | 6,332 |
| Core capital (leverage) ratio | 7.0368% | 6,306 |
| Tier 1 risk-based capital ratio | 9.4083% | 6,363 |
| Total risk-based capital ratio | 10.6659% | 6,342 |
| Memoranda: | ||
| Average total assets | $39,129,600 | 6,058 |
| Average earning assets | $36,701,200 | 6,022 |
| Average equity | $2,772,600 | 6,311 |
| Average total loans | $25,749,600 | 5,745 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7044% | 4,844 |
| Cost of funding earning assets | 0.1925% | 5,889 |
| Net interest margin | 3.5119% | 3,779 |
| Noninterest income to average assets | 0.5409% | 3,255 |
| Noninterest expense to average assets | 4.2764% | 570 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.4457% | 6,353 |
| Return on assets (ROA) | -0.3436% | 6,325 |
| Pretax return on assets | -0.3436% | 6,311 |
| Return on Equity (ROE) | -4.8296% | 6,365 |
| Retained earnings to average equity (ytd only) | -4.8296% | 6,248 |
| Net charge-offs to loans | 0.0368% | 3,752 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -18.7203% | 4,651 |
| Efficiency ratio | 111.6341% | 201 |
| Assets per employee ($millions) | 2.4547% | 6,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4124% | 718 |
| Loan loss allowance to noncurrent loans | 110.6164% | 3,413 |
| Noncurrent assets plus other real estate owned to assets | 3.0933% | 744 |
| Noncurrent loans to loans | 2.1809% | 1,403 |
| Net loans and leases to total assets | 70.9704% | 2,029 |
| Net loans and leases to deposits | 76.8227% | 3,092 |
| Net loans and leases to core deposits | 76.8227% | 3,653 |
| Total domestic deposits to total assets | 92.3821% | 117 |
| Equity capital to assets | 7.4550% | 6,315 |
| Core capital (leverage) ratio | 7.5807% | 6,245 |
| Tier 1 risk-based capital ratio | 9.9159% | 6,363 |
| Total risk-based capital ratio | 11.1771% | 6,331 |
| Memoranda: | ||
| Average total assets | $39,191,250 | 6,134 |
| Average earning assets | $36,712,500 | 6,096 |
| Average equity | $2,788,250 | 6,379 |
| Average total loans | $25,367,250 | 5,824 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6012% | 5,147 |
| Cost of funding earning assets | 0.2084% | 5,846 |
| Net interest margin | 3.3928% | 4,208 |
| Noninterest income to average assets | 0.6203% | 2,711 |
| Noninterest expense to average assets | 4.1119% | 666 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.3151% | 6,378 |
| Return on assets (ROA) | -0.1901% | 6,323 |
| Pretax return on assets | -0.1901% | 6,307 |
| Return on Equity (ROE) | -2.7117% | 6,364 |
| Retained earnings to average equity (ytd only) | -2.7117% | 6,068 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.3004% | 255 |
| Assets per employee ($millions) | 2.3165% | 6,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5644% | 651 |
| Loan loss allowance to noncurrent loans | 122.2846% | 3,163 |
| Noncurrent assets plus other real estate owned to assets | 2.9463% | 869 |
| Noncurrent loans to loans | 2.0971% | 1,595 |
| Net loans and leases to total assets | 66.9410% | 2,596 |
| Net loans and leases to deposits | 72.5701% | 3,492 |
| Net loans and leases to core deposits | 72.5701% | 3,991 |
| Total domestic deposits to total assets | 92.2431% | 144 |
| Equity capital to assets | 7.6031% | 6,322 |
| Core capital (leverage) ratio | 7.3179% | 6,368 |
| Tier 1 risk-based capital ratio | 10.6188% | 6,212 |
| Total risk-based capital ratio | 11.8847% | 6,152 |
| Memoranda: | ||
| Average total assets | $39,981,330 | 6,174 |
| Average earning assets | $37,432,330 | 6,130 |
| Average equity | $2,802,670 | 6,429 |
| Average total loans | $24,897,000 | 5,887 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4352% | 5,575 |
| Cost of funding earning assets | 0.2269% | 5,781 |
| Net interest margin | 3.2082% | 4,898 |
| Noninterest income to average assets | 0.8301% | 1,640 |
| Noninterest expense to average assets | 3.8996% | 863 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.0676% | 6,265 |
| Return on assets (ROA) | -0.0676% | 6,272 |
| Pretax return on assets | -0.0676% | 6,262 |
| Return on Equity (ROE) | -1.0018% | 6,297 |
| Retained earnings to average equity (ytd only) | -1.0018% | 5,724 |
| Net charge-offs to loans | -0.0325% | 5,606 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.7632% | 432 |
| Assets per employee ($millions) | 2.6813% | 6,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7834% | 556 |
| Loan loss allowance to noncurrent loans | 121.0721% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 2.5758% | 1,223 |
| Noncurrent loans to loans | 2.2990% | 1,551 |
| Net loans and leases to total assets | 53.3263% | 4,508 |
| Net loans and leases to deposits | 57.1768% | 5,018 |
| Net loans and leases to core deposits | 57.1768% | 5,271 |
| Total domestic deposits to total assets | 93.2657% | 94 |
| Equity capital to assets | 6.5455% | 6,518 |
| Core capital (leverage) ratio | 6.9445% | 6,483 |
| Tier 1 risk-based capital ratio | 11.3966% | 5,967 |
| Total risk-based capital ratio | 12.6616% | 5,911 |
| Memoranda: | ||
| Average total assets | $41,440,000 | 6,180 |
| Average earning assets | $38,775,500 | 6,136 |
| Average equity | $2,795,000 | 6,489 |
| Average total loans | $24,613,500 | 5,956 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2587% | 6,061 |
| Cost of funding earning assets | 0.3073% | 5,540 |
| Net interest margin | 2.9514% | 5,674 |
| Noninterest income to average assets | 0.3727% | 4,647 |
| Noninterest expense to average assets | 4.1256% | 756 |
| Loan and lease loss provision to assets | 0.1588% | 2,297 |
| Net operating income to assets | -1.0085% | 6,611 |
| Return on assets (ROA) | -0.8429% | 6,575 |
| Pretax return on assets | -0.9912% | 6,589 |
| Return on Equity (ROE) | -12.8321% | 6,616 |
| Retained earnings to average equity (ytd only) | -12.8321% | 6,583 |
| Net charge-offs to loans | 0.5086% | 1,304 |
| Credit loss provision to net charge-offs | 60.0000% | 3,562 |
| Earnings coverage of net charge-offs (x) | -3.8800% | 5,372 |
| Efficiency ratio | 133.1511% | 107 |
| Assets per employee ($millions) | 2.6653% | 6,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5414% | 786 |
| Loan loss allowance to noncurrent loans | 110.3041% | 3,359 |
| Noncurrent assets plus other real estate owned to assets | 2.8889% | 1,108 |
| Noncurrent loans to loans | 2.3040% | 1,671 |
| Net loans and leases to total assets | 62.6363% | 3,266 |
| Net loans and leases to deposits | 67.4896% | 4,122 |
| Net loans and leases to core deposits | 67.4896% | 4,563 |
| Total domestic deposits to total assets | 92.8089% | 153 |
| Equity capital to assets | 6.9585% | 6,466 |
| Core capital (leverage) ratio | 7.0656% | 6,513 |
| Tier 1 risk-based capital ratio | 10.6143% | 6,332 |
| Total risk-based capital ratio | 11.8772% | 6,280 |
| Memoranda: | ||
| Average total assets | $47,217,600 | 6,087 |
| Average earning assets | $43,606,000 | 6,063 |
| Average equity | $3,101,600 | 6,518 |
| Average total loans | $24,578,600 | 6,005 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1249% | 6,293 |
| Cost of funding earning assets | 0.3246% | 5,509 |
| Net interest margin | 2.8003% | 6,019 |
| Noninterest income to average assets | 0.3835% | 4,649 |
| Noninterest expense to average assets | 3.8481% | 1,028 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.6184% | 6,631 |
| Return on assets (ROA) | -0.4433% | 6,590 |
| Pretax return on assets | -0.6337% | 6,630 |
| Return on Equity (ROE) | -6.8311% | 6,647 |
| Retained earnings to average equity (ytd only) | -6.8311% | 6,569 |
| Net charge-offs to loans | 0.1536% | 3,011 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -11.6078% | 5,170 |
| Efficiency ratio | 129.8165% | 129 |
| Assets per employee ($millions) | 2.6319% | 6,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6746% | 771 |
| Loan loss allowance to noncurrent loans | 107.8275% | 3,290 |
| Noncurrent assets plus other real estate owned to assets | 2.9043% | 1,281 |
| Noncurrent loans to loans | 2.4805% | 1,753 |
| Net loans and leases to total assets | 58.3282% | 3,957 |
| Net loans and leases to deposits | 62.9714% | 4,635 |
| Net loans and leases to core deposits | 62.9714% | 5,013 |
| Total domestic deposits to total assets | 92.6265% | 159 |
| Equity capital to assets | 7.1646% | 6,502 |
| Core capital (leverage) ratio | 6.8947% | 6,606 |
| Tier 1 risk-based capital ratio | 11.5455% | 6,038 |
| Total risk-based capital ratio | 12.8096% | 5,996 |
| Memoranda: | ||
| Average total assets | $49,027,000 | 6,105 |
| Average earning assets | $45,184,000 | 6,086 |
| Average equity | $3,181,500 | 6,574 |
| Average total loans | $24,299,500 | 6,075 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0007% | 6,452 |
| Cost of funding earning assets | 0.3480% | 5,425 |
| Net interest margin | 2.6527% | 6,261 |
| Noninterest income to average assets | 0.3701% | 4,747 |
| Noninterest expense to average assets | 3.7169% | 1,226 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.5099% | 6,636 |
| Return on assets (ROA) | -0.2805% | 6,573 |
| Pretax return on assets | -0.5533% | 6,649 |
| Return on Equity (ROE) | -4.4495% | 6,626 |
| Retained earnings to average equity (ytd only) | -4.4495% | 6,425 |
| Net charge-offs to loans | 0.2084% | 2,511 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -9.3600% | 4,860 |
| Efficiency ratio | 132.5000% | 114 |
| Assets per employee ($millions) | 2.8191% | 6,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8215% | 692 |
| Loan loss allowance to noncurrent loans | 90.1596% | 3,705 |
| Noncurrent assets plus other real estate owned to assets | 2.8127% | 1,465 |
| Noncurrent loans to loans | 3.1294% | 1,413 |
| Net loans and leases to total assets | 48.7261% | 5,255 |
| Net loans and leases to deposits | 52.2136% | 5,671 |
| Net loans and leases to core deposits | 52.5142% | 5,850 |
| Total domestic deposits to total assets | 93.3208% | 101 |
| Equity capital to assets | 6.5477% | 6,679 |
| Core capital (leverage) ratio | 6.5536% | 6,692 |
| Tier 1 risk-based capital ratio | 12.4586% | 5,533 |
| Total risk-based capital ratio | 13.7256% | 5,463 |
| Memoranda: | ||
| Average total assets | $51,332,670 | 6,094 |
| Average earning assets | $47,122,670 | 6,070 |
| Average equity | $3,236,330 | 6,614 |
| Average total loans | $23,987,000 | 6,126 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9136% | 6,597 |
| Cost of funding earning assets | 0.3559% | 5,476 |
| Net interest margin | 2.5577% | 6,430 |
| Noninterest income to average assets | 0.2187% | 5,911 |
| Noninterest expense to average assets | 3.6579% | 1,321 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -1.1087% | 6,834 |
| Return on assets (ROA) | -0.4148% | 6,666 |
| Pretax return on assets | -0.4148% | 6,640 |
| Return on Equity (ROE) | -6.6961% | 6,735 |
| Retained earnings to average equity (ytd only) | -6.6961% | 6,453 |
| Net charge-offs to loans | -0.1502% | 6,604 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 143.4911% | 100 |
| Assets per employee ($millions) | 2.7824% | 6,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2321% | 529 |
| Loan loss allowance to noncurrent loans | 93.0719% | 3,551 |
| Noncurrent assets plus other real estate owned to assets | 2.5782% | 1,780 |
| Noncurrent loans to loans | 3.4727% | 1,384 |
| Net loans and leases to total assets | 40.3227% | 5,973 |
| Net loans and leases to deposits | 43.0725% | 6,269 |
| Net loans and leases to core deposits | 44.3402% | 6,297 |
| Total domestic deposits to total assets | 93.6159% | 91 |
| Equity capital to assets | 6.1760% | 6,815 |
| Core capital (leverage) ratio | 6.0945% | 6,792 |
| Tier 1 risk-based capital ratio | 13.7667% | 4,682 |
| Total risk-based capital ratio | 15.0371% | 4,623 |
| Memoranda: | ||
| Average total assets | $53,036,500 | 6,099 |
| Average earning assets | $48,325,000 | 6,089 |
| Average equity | $3,285,500 | 6,664 |
| Average total loans | $23,965,500 | 6,176 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7377% | 5,974 |
| Cost of funding earning assets | 0.5472% | 4,839 |
| Net interest margin | 3.1905% | 5,593 |
| Noninterest income to average assets | 0.6901% | 2,772 |
| Noninterest expense to average assets | 4.1939% | 774 |
| Loan and lease loss provision to assets | 0.2383% | 2,749 |
| Net operating income to assets | -0.9303% | 6,722 |
| Return on assets (ROA) | -0.9303% | 6,741 |
| Pretax return on assets | -0.9303% | 6,715 |
| Return on Equity (ROE) | -13.2731% | 6,797 |
| Retained earnings to average equity (ytd only) | -13.2731% | 6,739 |
| Net charge-offs to loans | 0.4168% | 2,576 |
| Credit loss provision to net charge-offs | 101.6260% | 2,977 |
| Earnings coverage of net charge-offs (x) | -2.9512% | 5,871 |
| Efficiency ratio | 119.7605% | 213 |
| Assets per employee ($millions) | 2.3133% | 6,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7141% | 908 |
| Loan loss allowance to noncurrent loans | 101.1511% | 3,302 |
| Noncurrent assets plus other real estate owned to assets | 2.5448% | 1,912 |
| Noncurrent loans to loans | 2.6832% | 1,968 |
| Net loans and leases to total assets | 47.3603% | 5,474 |
| Net loans and leases to deposits | 50.5892% | 5,915 |
| Net loans and leases to core deposits | 52.0684% | 6,012 |
| Total domestic deposits to total assets | 93.6174% | 87 |
| Equity capital to assets | 6.2135% | 6,874 |
| Core capital (leverage) ratio | 6.7654% | 6,751 |
| Tier 1 risk-based capital ratio | 11.6437% | 6,006 |
| Total risk-based capital ratio | 12.9081% | 5,952 |
| Memoranda: | ||
| Average total assets | $52,457,000 | 6,139 |
| Average earning assets | $46,231,400 | 6,171 |
| Average equity | $3,676,600 | 6,639 |
| Average total loans | $29,509,000 | 5,977 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7800% | 6,067 |
| Cost of funding earning assets | 0.5715% | 4,901 |
| Net interest margin | 3.2085% | 5,681 |
| Noninterest income to average assets | 0.8673% | 1,954 |
| Noninterest expense to average assets | 3.9410% | 1,018 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.2525% | 6,533 |
| Return on assets (ROA) | -0.2525% | 6,600 |
| Pretax return on assets | -0.2525% | 6,568 |
| Return on Equity (ROE) | -3.5020% | 6,648 |
| Retained earnings to average equity (ytd only) | -3.5020% | 6,514 |
| Net charge-offs to loans | 0.0964% | 4,419 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -4.5005% | 5,698 |
| Efficiency ratio | 106.8465% | 363 |
| Assets per employee ($millions) | 2.3635% | 6,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1237% | 1,858 |
| Loan loss allowance to noncurrent loans | 91.7568% | 3,480 |
| Noncurrent assets plus other real estate owned to assets | 9.0122% | 301 |
| Noncurrent loans to loans | 2.3145% | 2,490 |
| Net loans and leases to total assets | 60.1854% | 3,747 |
| Net loans and leases to deposits | 64.9118% | 4,606 |
| Net loans and leases to core deposits | 68.9189% | 4,620 |
| Total domestic deposits to total assets | 92.7187% | 134 |
| Equity capital to assets | 7.1063% | 6,863 |
| Core capital (leverage) ratio | 7.4195% | 6,659 |
| Tier 1 risk-based capital ratio | 9.8807% | 6,823 |
| Total risk-based capital ratio | 11.1402% | 6,807 |
| Memoranda: | ||
| Average total assets | $52,269,500 | 6,212 |
| Average earning assets | $45,960,000 | 6,255 |
| Average equity | $3,769,250 | 6,700 |
| Average total loans | $30,410,750 | 6,003 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8051% | 6,131 |
| Cost of funding earning assets | 0.5560% | 5,256 |
| Net interest margin | 3.2491% | 5,592 |
| Noninterest income to average assets | 1.4667% | 676 |
| Noninterest expense to average assets | 4.1558% | 775 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.0458% | 6,263 |
| Return on assets (ROA) | 0.0458% | 6,402 |
| Pretax return on assets | 0.1681% | 6,197 |
| Return on Equity (ROE) | 0.6326% | 6,363 |
| Retained earnings to average equity (ytd only) | 0.6326% | 5,808 |
| Net charge-offs to loans | 0.1472% | 3,732 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 3,984 |
| Efficiency ratio | 96.1131% | 699 |
| Assets per employee ($millions) | 2.0642% | 7,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1905% | 1,791 |
| Loan loss allowance to noncurrent loans | 117.4740% | 2,785 |
| Noncurrent assets plus other real estate owned to assets | 8.0652% | 423 |
| Noncurrent loans to loans | 1.8646% | 3,127 |
| Net loans and leases to total assets | 54.4004% | 4,730 |
| Net loans and leases to deposits | 61.4691% | 5,072 |
| Net loans and leases to core deposits | 65.1727% | 5,094 |
| Total domestic deposits to total assets | 88.5005% | 1,815 |
| Equity capital to assets | 6.8308% | 6,937 |
| Core capital (leverage) ratio | 7.5160% | 6,619 |
| Tier 1 risk-based capital ratio | 9.6076% | 6,909 |
| Total risk-based capital ratio | 10.8315% | 6,905 |
| Memoranda: | ||
| Average total assets | $52,360,670 | 6,255 |
| Average earning assets | $46,043,000 | 6,287 |
| Average equity | $3,794,000 | 6,730 |
| Average total loans | $29,890,000 | 6,071 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9350% | 5,935 |
| Cost of funding earning assets | 0.5570% | 5,450 |
| Net interest margin | 3.3780% | 5,205 |
| Noninterest income to average assets | 1.5313% | 617 |
| Noninterest expense to average assets | 4.6019% | 504 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.1026% | 6,543 |
| Return on assets (ROA) | -0.1026% | 6,623 |
| Pretax return on assets | -0.1026% | 6,602 |
| Return on Equity (ROE) | -1.3729% | 6,647 |
| Retained earnings to average equity (ytd only) | -1.3729% | 6,206 |
| Net charge-offs to loans | -0.0545% | 6,559 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.2807% | 491 |
| Assets per employee ($millions) | 1.9519% | 7,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5605% | 1,277 |
| Loan loss allowance to noncurrent loans | 131.9626% | 2,422 |
| Noncurrent assets plus other real estate owned to assets | 8.3963% | 445 |
| Noncurrent loans to loans | 1.9403% | 3,234 |
| Net loans and leases to total assets | 50.9791% | 5,163 |
| Net loans and leases to deposits | 58.0594% | 5,370 |
| Net loans and leases to core deposits | 62.0872% | 5,316 |
| Total domestic deposits to total assets | 87.8050% | 2,454 |
| Equity capital to assets | 7.1743% | 6,886 |
| Core capital (leverage) ratio | 7.9526% | 6,294 |
| Tier 1 risk-based capital ratio | 10.5074% | 6,734 |
| Total risk-based capital ratio | 11.7302% | 6,736 |
| Memoranda: | ||
| Average total assets | $50,674,500 | 6,346 |
| Average earning assets | $44,523,500 | 6,384 |
| Average equity | $3,787,500 | 6,778 |
| Average total loans | $29,336,000 | 6,146 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1074% | 6,271 |
| Cost of funding earning assets | 0.6500% | 5,825 |
| Net interest margin | 3.4573% | 5,297 |
| Noninterest income to average assets | 0.2651% | 5,624 |
| Noninterest expense to average assets | 3.4335% | 2,155 |
| Loan and lease loss provision to assets | 0.3086% | 3,202 |
| Net operating income to assets | -0.2278% | 6,282 |
| Return on assets (ROA) | -0.2278% | 6,349 |
| Pretax return on assets | -0.2278% | 6,302 |
| Return on Equity (ROE) | -2.8481% | 6,397 |
| Retained earnings to average equity (ytd only) | -2.8481% | 6,252 |
| Net charge-offs to loans | 0.3697% | 3,558 |
| Credit loss provision to net charge-offs | 123.1405% | 2,563 |
| Earnings coverage of net charge-offs (x) | 0.3223% | 5,586 |
| Efficiency ratio | 97.7018% | 738 |
| Assets per employee ($millions) | 2.3165% | 6,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2541% | 1,701 |
| Loan loss allowance to noncurrent loans | 134.5489% | 2,363 |
| Noncurrent assets plus other real estate owned to assets | 9.0016% | 404 |
| Noncurrent loans to loans | 1.6753% | 3,651 |
| Net loans and leases to total assets | 62.4869% | 3,508 |
| Net loans and leases to deposits | 71.5112% | 3,872 |
| Net loans and leases to core deposits | 75.9931% | 3,983 |
| Total domestic deposits to total assets | 87.3805% | 2,541 |
| Equity capital to assets | 7.7990% | 6,688 |
| Core capital (leverage) ratio | 8.1873% | 6,024 |
| Tier 1 risk-based capital ratio | 10.0626% | 6,843 |
| Total risk-based capital ratio | 11.3144% | 6,828 |
| Memoranda: | ||
| Average total assets | $48,288,800 | 6,411 |
| Average earning assets | $45,382,000 | 6,348 |
| Average equity | $3,862,200 | 6,788 |
| Average total loans | $32,733,200 | 6,028 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9843% | 6,613 |
| Cost of funding earning assets | 0.6708% | 5,929 |
| Net interest margin | 3.3135% | 5,822 |
| Noninterest income to average assets | 0.2794% | 5,613 |
| Noninterest expense to average assets | 3.2973% | 2,501 |
| Loan and lease loss provision to assets | 0.3734% | 2,612 |
| Net operating income to assets | -0.2739% | 6,459 |
| Return on assets (ROA) | -0.2739% | 6,526 |
| Pretax return on assets | -0.2213% | 6,431 |
| Return on Equity (ROE) | -3.4027% | 6,592 |
| Retained earnings to average equity (ytd only) | -3.4027% | 6,464 |
| Net charge-offs to loans | 0.6035% | 2,442 |
| Credit loss provision to net charge-offs | 90.0000% | 3,770 |
| Earnings coverage of net charge-offs (x) | 0.3667% | 5,336 |
| Efficiency ratio | 95.5894% | 841 |
| Assets per employee ($millions) | 2.1931% | 7,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0536% | 2,194 |
| Loan loss allowance to noncurrent loans | 23.4873% | 6,553 |
| Noncurrent assets plus other real estate owned to assets | 6.0645% | 878 |
| Noncurrent loans to loans | 8.7434% | 472 |
| Net loans and leases to total assets | 67.9362% | 2,499 |
| Net loans and leases to deposits | 74.0913% | 3,642 |
| Net loans and leases to core deposits | 76.9390% | 4,067 |
| Total domestic deposits to total assets | 91.6925% | 265 |
| Equity capital to assets | 8.2640% | 6,516 |
| Core capital (leverage) ratio | 8.1978% | 6,135 |
| Tier 1 risk-based capital ratio | 11.0440% | 6,516 |
| Total risk-based capital ratio | 12.3034% | 6,498 |
| Memoranda: | ||
| Average total assets | $48,199,250 | 6,472 |
| Average earning assets | $46,112,750 | 6,379 |
| Average equity | $3,879,250 | 6,838 |
| Average total loans | $33,141,750 | 6,061 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1857% | 6,310 |
| Cost of funding earning assets | 0.7090% | 5,909 |
| Net interest margin | 3.4767% | 5,262 |
| Noninterest income to average assets | 0.2208% | 6,095 |
| Noninterest expense to average assets | 3.1402% | 3,113 |
| Loan and lease loss provision to assets | 0.3680% | 2,592 |
| Net operating income to assets | -0.0204% | 6,255 |
| Return on assets (ROA) | -0.0204% | 6,322 |
| Pretax return on assets | 0.0409% | 6,206 |
| Return on Equity (ROE) | -0.2562% | 6,330 |
| Retained earnings to average equity (ytd only) | -0.2562% | 5,893 |
| Net charge-offs to loans | -0.0060% | 6,609 |
| Credit loss provision to net charge-offs | -9,000.0000% | 6,808 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4793% | 1,365 |
| Assets per employee ($millions) | 2.1092% | 7,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4326% | 1,544 |
| Loan loss allowance to noncurrent loans | 54.2289% | 4,770 |
| Noncurrent assets plus other real estate owned to assets | 3.0321% | 2,220 |
| Noncurrent loans to loans | 4.4857% | 1,483 |
| Net loans and leases to total assets | 65.9505% | 3,040 |
| Net loans and leases to deposits | 72.1157% | 4,093 |
| Net loans and leases to core deposits | 75.7931% | 4,339 |
| Total domestic deposits to total assets | 91.4510% | 356 |
| Equity capital to assets | 8.4046% | 6,301 |
| Core capital (leverage) ratio | 8.1125% | 6,146 |
| Tier 1 risk-based capital ratio | 11.6082% | 6,084 |
| Total risk-based capital ratio | 12.8702% | 6,074 |
| Memoranda: | ||
| Average total assets | $48,914,000 | 6,512 |
| Average earning assets | $46,825,670 | 6,408 |
| Average equity | $3,903,670 | 6,872 |
| Average total loans | $33,541,000 | 6,103 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1320% | 6,438 |
| Cost of funding earning assets | 0.7748% | 5,717 |
| Net interest margin | 3.3573% | 5,588 |
| Noninterest income to average assets | 0.2232% | 6,133 |
| Noninterest expense to average assets | 3.1015% | 3,237 |
| Loan and lease loss provision to assets | 0.3588% | 2,402 |
| Net operating income to assets | -0.0718% | 6,428 |
| Return on assets (ROA) | -0.0718% | 6,449 |
| Pretax return on assets | -0.0239% | 6,384 |
| Return on Equity (ROE) | -0.9218% | 6,475 |
| Retained earnings to average equity (ytd only) | -0.9218% | 5,967 |
| Net charge-offs to loans | -0.0116% | 6,399 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,357 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2552% | 1,311 |
| Assets per employee ($millions) | 2.4779% | 7,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2623% | 1,836 |
| Loan loss allowance to noncurrent loans | 48.0268% | 5,118 |
| Noncurrent assets plus other real estate owned to assets | 3.0167% | 2,291 |
| Noncurrent loans to loans | 4.7106% | 1,468 |
| Net loans and leases to total assets | 62.5926% | 3,737 |
| Net loans and leases to deposits | 68.1497% | 4,662 |
| Net loans and leases to core deposits | 72.5421% | 4,720 |
| Total domestic deposits to total assets | 91.8458% | 329 |
| Equity capital to assets | 7.8617% | 6,625 |
| Core capital (leverage) ratio | 7.1769% | 6,927 |
| Tier 1 risk-based capital ratio | 11.4118% | 6,171 |
| Total risk-based capital ratio | 12.6714% | 6,151 |
| Memoranda: | ||
| Average total assets | $50,169,500 | 6,527 |
| Average earning assets | $48,015,000 | 6,411 |
| Average equity | $3,905,500 | 6,909 |
| Average total loans | $34,628,500 | 6,097 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9993% | 4,558 |
| Cost of funding earning assets | 1.0794% | 5,259 |
| Net interest margin | 3.9199% | 3,399 |
| Noninterest income to average assets | 0.4028% | 4,892 |
| Noninterest expense to average assets | 3.1456% | 3,293 |
| Loan and lease loss provision to assets | 1.0070% | 1,615 |
| Net operating income to assets | -0.1661% | 6,072 |
| Return on assets (ROA) | -0.1640% | 6,120 |
| Pretax return on assets | -0.0457% | 5,951 |
| Return on Equity (ROE) | -1.9750% | 6,169 |
| Retained earnings to average equity (ytd only) | -1.9750% | 5,967 |
| Net charge-offs to loans | 0.5790% | 3,307 |
| Credit loss provision to net charge-offs | 225.5814% | 1,317 |
| Earnings coverage of net charge-offs (x) | 2.1488% | 4,113 |
| Efficiency ratio | 76.6313% | 2,943 |
| Assets per employee ($millions) | 2.4182% | 7,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7910% | 2,889 |
| Loan loss allowance to noncurrent loans | 68.3622% | 3,987 |
| Noncurrent assets plus other real estate owned to assets | 1.9357% | 3,429 |
| Noncurrent loans to loans | 2.6199% | 2,906 |
| Net loans and leases to total assets | 72.5611% | 1,972 |
| Net loans and leases to deposits | 82.3677% | 2,735 |
| Net loans and leases to core deposits | 87.7709% | 3,084 |
| Total domestic deposits to total assets | 88.0942% | 2,193 |
| Equity capital to assets | 7.7094% | 6,746 |
| Core capital (leverage) ratio | 7.6808% | 6,560 |
| Tier 1 risk-based capital ratio | 9.6185% | 7,103 |
| Total risk-based capital ratio | 10.8420% | 7,119 |
| Memoranda: | ||
| Average total assets | $48,162,800 | 6,597 |
| Average earning assets | $45,486,400 | 6,523 |
| Average equity | $4,000,000 | 7,003 |
| Average total loans | $37,130,400 | 6,060 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1039% | 4,294 |
| Cost of funding earning assets | 1.1418% | 5,193 |
| Net interest margin | 3.9621% | 3,280 |
| Noninterest income to average assets | 0.3480% | 5,388 |
| Noninterest expense to average assets | 3.1545% | 3,092 |
| Loan and lease loss provision to assets | 0.5529% | 2,736 |
| Net operating income to assets | 0.0168% | 5,966 |
| Return on assets (ROA) | 0.0168% | 6,087 |
| Pretax return on assets | 0.3705% | 5,311 |
| Return on Equity (ROE) | 0.1989% | 6,070 |
| Retained earnings to average equity (ytd only) | 0.1989% | 5,698 |
| Net charge-offs to loans | 0.0288% | 6,274 |
| Credit loss provision to net charge-offs | 2,462.5000% | 127 |
| Earnings coverage of net charge-offs (x) | 41.1115% | 668 |
| Efficiency ratio | 77.3572% | 2,710 |
| Assets per employee ($millions) | 2.3687% | 7,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5891% | 3,566 |
| Loan loss allowance to noncurrent loans | 83.0056% | 3,279 |
| Noncurrent assets plus other real estate owned to assets | 1.4314% | 4,310 |
| Noncurrent loans to loans | 1.9145% | 3,785 |
| Net loans and leases to total assets | 73.5762% | 1,894 |
| Net loans and leases to deposits | 84.0950% | 2,688 |
| Net loans and leases to core deposits | 89.7738% | 3,130 |
| Total domestic deposits to total assets | 87.4917% | 2,265 |
| Equity capital to assets | 8.0413% | 6,765 |
| Core capital (leverage) ratio | 8.1448% | 6,130 |
| Tier 1 risk-based capital ratio | 9.9753% | 7,081 |
| Total risk-based capital ratio | 11.2272% | 7,068 |
| Memoranda: | ||
| Average total assets | $47,508,000 | 6,700 |
| Average earning assets | $44,722,750 | 6,629 |
| Average equity | $4,021,250 | 7,082 |
| Average total loans | $37,033,000 | 6,144 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1608% | 4,138 |
| Cost of funding earning assets | 1.2001% | 5,133 |
| Net interest margin | 3.9607% | 3,205 |
| Noninterest income to average assets | 0.3208% | 5,592 |
| Noninterest expense to average assets | 3.1906% | 2,931 |
| Loan and lease loss provision to assets | 0.1925% | 4,959 |
| Net operating income to assets | 0.3379% | 5,034 |
| Return on assets (ROA) | 0.3379% | 5,188 |
| Pretax return on assets | 0.6501% | 4,399 |
| Return on Equity (ROE) | 3.9222% | 4,815 |
| Retained earnings to average equity (ytd only) | 3.9222% | 3,590 |
| Net charge-offs to loans | 0.0270% | 5,951 |
| Credit loss provision to net charge-offs | 900.0000% | 415 |
| Earnings coverage of net charge-offs (x) | 39.4000% | 737 |
| Efficiency ratio | 79.1092% | 2,560 |
| Assets per employee ($millions) | 2.3162% | 7,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1894% | 5,509 |
| Loan loss allowance to noncurrent loans | 58.5430% | 4,429 |
| Noncurrent assets plus other real estate owned to assets | 1.6298% | 3,996 |
| Noncurrent loans to loans | 2.0317% | 3,680 |
| Net loans and leases to total assets | 79.2656% | 908 |
| Net loans and leases to deposits | 91.5663% | 1,602 |
| Net loans and leases to core deposits | 98.3132% | 2,195 |
| Total domestic deposits to total assets | 86.5664% | 2,779 |
| Equity capital to assets | 8.7924% | 5,763 |
| Core capital (leverage) ratio | 8.6735% | 5,121 |
| Tier 1 risk-based capital ratio | 10.2324% | 6,893 |
| Total risk-based capital ratio | 11.3428% | 6,949 |
| Memoranda: | ||
| Average total assets | $46,763,000 | 6,768 |
| Average earning assets | $43,830,670 | 6,706 |
| Average equity | $4,028,330 | 7,115 |
| Average total loans | $36,980,670 | 6,195 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0859% | 4,599 |
| Cost of funding earning assets | 1.2327% | 5,221 |
| Net interest margin | 3.8532% | 3,547 |
| Noninterest income to average assets | 0.2895% | 5,830 |
| Noninterest expense to average assets | 3.2608% | 2,670 |
| Loan and lease loss provision to assets | 0.1958% | 4,546 |
| Net operating income to assets | 0.2043% | 5,669 |
| Return on assets (ROA) | 0.2043% | 5,789 |
| Pretax return on assets | 0.4257% | 5,207 |
| Return on Equity (ROE) | 2.3964% | 5,597 |
| Retained earnings to average equity (ytd only) | 2.3964% | 4,702 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9912% | 2,019 |
| Assets per employee ($millions) | 2.3384% | 7,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1615% | 5,708 |
| Loan loss allowance to noncurrent loans | 51.5777% | 4,884 |
| Noncurrent assets plus other real estate owned to assets | 1.7619% | 3,840 |
| Noncurrent loans to loans | 2.2520% | 3,455 |
| Net loans and leases to total assets | 77.3302% | 1,277 |
| Net loans and leases to deposits | 89.1027% | 2,050 |
| Net loans and leases to core deposits | 94.9512% | 2,706 |
| Total domestic deposits to total assets | 86.7877% | 2,740 |
| Equity capital to assets | 8.5915% | 5,881 |
| Core capital (leverage) ratio | 8.4718% | 5,421 |
| Tier 1 risk-based capital ratio | 9.9896% | 7,044 |
| Total risk-based capital ratio | 11.0462% | 7,153 |
| Memoranda: | ||
| Average total assets | $46,982,500 | 6,842 |
| Average earning assets | $43,807,500 | 6,785 |
| Average equity | $4,006,000 | 7,188 |
| Average total loans | $36,890,500 | 6,269 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3248% | 5,061 |
| Cost of funding earning assets | 1.7051% | 4,478 |
| Net interest margin | 3.6196% | 4,476 |
| Noninterest income to average assets | 0.3954% | 5,236 |
| Noninterest expense to average assets | 3.2658% | 3,137 |
| Loan and lease loss provision to assets | 0.3847% | 4,484 |
| Net operating income to assets | -0.0214% | 5,530 |
| Return on assets (ROA) | -0.0214% | 5,571 |
| Pretax return on assets | 0.0705% | 5,274 |
| Return on Equity (ROE) | -0.2506% | 5,579 |
| Retained earnings to average equity (ytd only) | -0.2506% | 5,003 |
| Net charge-offs to loans | 0.1474% | 5,766 |
| Credit loss provision to net charge-offs | 346.1538% | 939 |
| Earnings coverage of net charge-offs (x) | 4.0962% | 3,067 |
| Efficiency ratio | 87.7657% | 1,903 |
| Assets per employee ($millions) | 2.1454% | 7,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0809% | 5,992 |
| Loan loss allowance to noncurrent loans | 71.0247% | 3,871 |
| Noncurrent assets plus other real estate owned to assets | 1.1992% | 4,703 |
| Noncurrent loans to loans | 1.5219% | 4,369 |
| Net loans and leases to total assets | 77.9461% | 1,401 |
| Net loans and leases to deposits | 89.5720% | 2,286 |
| Net loans and leases to core deposits | 105.9560% | 3,340 |
| Total domestic deposits to total assets | 87.0206% | 2,493 |
| Equity capital to assets | 8.4622% | 5,946 |
| Core capital (leverage) ratio | 8.5133% | 5,261 |
| Tier 1 risk-based capital ratio | 9.8854% | 6,964 |
| Total risk-based capital ratio | 10.8804% | 7,115 |
| Memoranda: | ||
| Average total assets | $46,787,400 | 6,834 |
| Average earning assets | $42,987,800 | 6,817 |
| Average equity | $3,990,800 | 7,297 |
| Average total loans | $35,275,600 | 6,344 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3319% | 5,265 |
| Cost of funding earning assets | 1.8209% | 4,284 |
| Net interest margin | 3.5110% | 4,819 |
| Noninterest income to average assets | 0.3941% | 5,347 |
| Noninterest expense to average assets | 3.3186% | 2,841 |
| Loan and lease loss provision to assets | 0.3856% | 4,009 |
| Net operating income to assets | -0.0486% | 5,799 |
| Return on assets (ROA) | -0.0486% | 5,847 |
| Pretax return on assets | -0.0886% | 5,830 |
| Return on Equity (ROE) | -0.5682% | 5,864 |
| Retained earnings to average equity (ytd only) | -0.5682% | 5,372 |
| Net charge-offs to loans | 0.1992% | 4,817 |
| Credit loss provision to net charge-offs | 259.6154% | 1,648 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 4,322 |
| Efficiency ratio | 91.7852% | 1,556 |
| Assets per employee ($millions) | 2.2533% | 7,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0050% | 6,259 |
| Loan loss allowance to noncurrent loans | 35.6643% | 6,025 |
| Noncurrent assets plus other real estate owned to assets | 2.2212% | 3,069 |
| Noncurrent loans to loans | 2.8181% | 2,688 |
| Net loans and leases to total assets | 78.0295% | 1,564 |
| Net loans and leases to deposits | 90.3378% | 2,509 |
| Net loans and leases to core deposits | 100.0968% | 4,363 |
| Total domestic deposits to total assets | 86.3752% | 2,495 |
| Equity capital to assets | 8.8472% | 5,716 |
| Core capital (leverage) ratio | 8.6749% | 5,171 |
| Tier 1 risk-based capital ratio | 10.4470% | 6,528 |
| Total risk-based capital ratio | 11.3825% | 6,798 |
| Memoranda: | ||
| Average total assets | $46,684,750 | 6,888 |
| Average earning assets | $42,835,250 | 6,874 |
| Average equity | $3,990,000 | 7,365 |
| Average total loans | $34,796,750 | 6,409 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3746% | 5,282 |
| Cost of funding earning assets | 1.9708% | 3,911 |
| Net interest margin | 3.4038% | 5,148 |
| Noninterest income to average assets | 0.4066% | 5,229 |
| Noninterest expense to average assets | 3.4050% | 2,615 |
| Loan and lease loss provision to assets | 0.3812% | 3,640 |
| Net operating income to assets | -0.1736% | 6,141 |
| Return on assets (ROA) | -0.1736% | 6,163 |
| Pretax return on assets | -0.2710% | 6,205 |
| Return on Equity (ROE) | -2.0546% | 6,231 |
| Retained earnings to average equity (ytd only) | -2.0546% | 5,760 |
| Net charge-offs to loans | 0.1389% | 4,783 |
| Credit loss provision to net charge-offs | 375.0000% | 1,239 |
| Earnings coverage of net charge-offs (x) | 1.0833% | 4,704 |
| Efficiency ratio | 96.8675% | 1,318 |
| Assets per employee ($millions) | 2.0251% | 7,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0241% | 6,055 |
| Loan loss allowance to noncurrent loans | 50.7463% | 4,975 |
| Noncurrent assets plus other real estate owned to assets | 1.4385% | 4,091 |
| Noncurrent loans to loans | 2.0181% | 3,488 |
| Net loans and leases to total assets | 70.5498% | 3,563 |
| Net loans and leases to deposits | 81.2240% | 4,354 |
| Net loans and leases to core deposits | 88.9599% | 5,636 |
| Total domestic deposits to total assets | 86.8583% | 2,328 |
| Equity capital to assets | 8.5085% | 6,034 |
| Core capital (leverage) ratio | 8.2780% | 5,844 |
| Tier 1 risk-based capital ratio | 10.6178% | 6,266 |
| Total risk-based capital ratio | 11.5288% | 6,552 |
| Memoranda: | ||
| Average total assets | $47,224,670 | 6,933 |
| Average earning assets | $43,128,670 | 6,921 |
| Average equity | $3,991,000 | 7,423 |
| Average total loans | $34,555,330 | 6,478 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6306% | 4,173 |
| Cost of funding earning assets | 2.1882% | 3,225 |
| Net interest margin | 3.4425% | 4,968 |
| Noninterest income to average assets | 0.3449% | 5,695 |
| Noninterest expense to average assets | 3.1463% | 3,201 |
| Loan and lease loss provision to assets | 0.3786% | 3,052 |
| Net operating income to assets | 0.0000% | 6,252 |
| Return on assets (ROA) | 0.0000% | 6,399 |
| Pretax return on assets | -0.0168% | 6,400 |
| Return on Equity (ROE) | 0.0000% | 6,405 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,638 |
| Net charge-offs to loans | 0.2725% | 3,031 |
| Credit loss provision to net charge-offs | 187.5000% | 2,334 |
| Earnings coverage of net charge-offs (x) | 1.7917% | 3,836 |
| Efficiency ratio | 89.6882% | 1,746 |
| Assets per employee ($millions) | 2.2865% | 7,605 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8574% | 6,927 |
| Loan loss allowance to noncurrent loans | 92.1875% | 3,271 |
| Noncurrent assets plus other real estate owned to assets | 0.6664% | 5,497 |
| Noncurrent loans to loans | 0.9300% | 5,140 |
| Net loans and leases to total assets | 71.0415% | 3,458 |
| Net loans and leases to deposits | 81.4965% | 4,369 |
| Net loans and leases to core deposits | 89.0560% | 5,643 |
| Total domestic deposits to total assets | 87.1712% | 2,139 |
| Equity capital to assets | 8.3408% | 6,327 |
| Core capital (leverage) ratio | 8.2815% | 5,940 |
| Tier 1 risk-based capital ratio | 10.5077% | 6,389 |
| Total risk-based capital ratio | 11.2816% | 6,798 |
| Memoranda: | ||
| Average total assets | $47,548,500 | 6,960 |
| Average earning assets | $43,689,500 | 6,950 |
| Average equity | $4,005,000 | 7,455 |
| Average total loans | $35,233,000 | 6,478 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9832% | 5,629 |
| Cost of funding earning assets | 2.5771% | 3,814 |
| Net interest margin | 3.4061% | 5,637 |
| Noninterest income to average assets | 0.3374% | 6,039 |
| Noninterest expense to average assets | 2.9002% | 4,448 |
| Loan and lease loss provision to assets | 0.2410% | 4,497 |
| Net operating income to assets | 0.2491% | 5,713 |
| Return on assets (ROA) | 0.2491% | 5,523 |
| Pretax return on assets | 0.3816% | 5,311 |
| Return on Equity (ROE) | 3.1089% | 5,191 |
| Retained earnings to average equity (ytd only) | 2.0809% | 3,940 |
| Net charge-offs to loans | 0.5867% | 2,070 |
| Credit loss provision to net charge-offs | 57.1429% | 6,262 |
| Earnings coverage of net charge-offs (x) | 1.4762% | 5,368 |
| Efficiency ratio | 82.3261% | 2,263 |
| Assets per employee ($millions) | 2.2419% | 7,647 |
| Cash dividends to net income (ytd only)* | 33.0645% | 3,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7599% | 7,247 |
| Loan loss allowance to noncurrent loans | 88.9610% | 3,795 |
| Noncurrent assets plus other real estate owned to assets | 0.6542% | 5,257 |
| Noncurrent loans to loans | 0.8542% | 4,914 |
| Net loans and leases to total assets | 76.0089% | 2,618 |
| Net loans and leases to deposits | 83.4441% | 4,507 |
| Net loans and leases to core deposits | 99.3090% | 4,892 |
| Total domestic deposits to total assets | 91.0896% | 305 |
| Equity capital to assets | 8.5068% | 6,070 |
| Core capital (leverage) ratio | 8.5581% | 5,466 |
| Tier 1 risk-based capital ratio | 10.0772% | 6,649 |
| Total risk-based capital ratio | 10.7667% | 7,211 |
| Memoranda: | ||
| Average total assets | $49,789,000 | 6,784 |
| Average earning assets | $46,564,000 | 6,739 |
| Average equity | $3,988,600 | 7,515 |
| Average total loans | $35,793,200 | 6,377 |