Home > Commonwealth National Bank > Performance and Condition Ratios
Commonwealth National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0315% | 3,915 |
| Cost of funding earning assets | 0.3191% | 4,364 |
| Net interest margin | 3.7124% | 1,737 |
| Noninterest income to average assets | 4.3700% | 138 |
| Noninterest expense to average assets | 4.3163% | 300 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 3.3343% | 136 |
| Return on assets (ROA) | 3.3343% | 134 |
| Pretax return on assets | 3.3435% | 159 |
| Return on Equity (ROE) | 38.4700% | 95 |
| Retained earnings to average equity (ytd only) | 38.4656% | 31 |
| Net charge-offs to loans | 0.0083% | 2,355 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 1,098.0000% | 143 |
| Efficiency ratio | 56.3506% | 3,463 |
| Assets per employee ($millions) | 3.5234% | 4,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5570% | 182 |
| Loan loss allowance to noncurrent loans | 170.6704% | 2,691 |
| Noncurrent assets plus other real estate owned to assets | 0.5348% | 1,046 |
| Noncurrent loans to loans | 1.4982% | 460 |
| Net loans and leases to total assets | 34.7800% | 4,192 |
| Net loans and leases to deposits | 39.5529% | 4,210 |
| Net loans and leases to core deposits | 43.8378% | 4,209 |
| Total domestic deposits to total assets | 87.9400% | 1,380 |
| Equity capital to assets | 11.8278% | 1,192 |
| Core capital (leverage) ratio | 15.2266% | 587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.1662% | 157 |
| Memoranda: | ||
| Average total assets | $65,680,600 | 4,155 |
| Average earning assets | $58,291,000 | 4,158 |
| Average equity | $5,693,400 | 4,192 |
| Average total loans | $24,046,200 | 4,234 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9118% | 3,986 |
| Cost of funding earning assets | 0.2895% | 4,372 |
| Net interest margin | 3.6223% | 1,939 |
| Noninterest income to average assets | 4.9800% | 126 |
| Noninterest expense to average assets | 3.7022% | 448 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 4.4590% | 95 |
| Return on assets (ROA) | 4.4590% | 95 |
| Pretax return on assets | 4.4692% | 107 |
| Return on Equity (ROE) | 56.7300% | 57 |
| Retained earnings to average equity (ytd only) | 56.7345% | 26 |
| Net charge-offs to loans | 0.0055% | 2,256 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 2,191.0000% | 64 |
| Efficiency ratio | 45.3070% | 4,170 |
| Assets per employee ($millions) | 3.3535% | 4,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5863% | 180 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 34.3700% | 4,236 |
| Net loans and leases to deposits | 37.9590% | 4,254 |
| Net loans and leases to core deposits | 42.4215% | 4,205 |
| Total domestic deposits to total assets | 90.5400% | 792 |
| Equity capital to assets | 9.2233% | 2,281 |
| Core capital (leverage) ratio | 14.2448% | 770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.9986% | 192 |
| Memoranda: | ||
| Average total assets | $65,364,750 | 4,175 |
| Average earning assets | $57,567,750 | 4,187 |
| Average equity | $5,137,250 | 4,263 |
| Average total loans | $24,084,000 | 4,250 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6866% | 4,152 |
| Cost of funding earning assets | 0.2483% | 4,381 |
| Net interest margin | 3.4383% | 2,421 |
| Noninterest income to average assets | 2.4400% | 206 |
| Noninterest expense to average assets | 3.6514% | 456 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.8087% | 646 |
| Return on assets (ROA) | 1.8087% | 646 |
| Pretax return on assets | 1.8180% | 979 |
| Return on Equity (ROE) | 24.4800% | 403 |
| Retained earnings to average equity (ytd only) | 24.4796% | 132 |
| Net charge-offs to loans | 0.0083% | 1,901 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 589.0000% | 247 |
| Efficiency ratio | 66.7607% | 2,147 |
| Assets per employee ($millions) | 3.4013% | 4,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5234% | 217 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 34.7500% | 4,219 |
| Net loans and leases to deposits | 37.6102% | 4,263 |
| Net loans and leases to core deposits | 41.6640% | 4,223 |
| Total domestic deposits to total assets | 92.4000% | 344 |
| Equity capital to assets | 7.3605% | 3,601 |
| Core capital (leverage) ratio | 12.0403% | 1,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.7172% | 279 |
| Memoranda: | ||
| Average total assets | $64,796,667 | 4,197 |
| Average earning assets | $57,180,000 | 4,213 |
| Average equity | $4,787,667 | 4,313 |
| Average total loans | $24,224,333 | 4,259 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6867% | 4,045 |
| Cost of funding earning assets | 0.2135% | 4,354 |
| Net interest margin | 3.4732% | 2,444 |
| Noninterest income to average assets | 0.5300% | 1,720 |
| Noninterest expense to average assets | 3.7415% | 426 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -0.1266% | 4,538 |
| Return on assets (ROA) | -0.1266% | 4,523 |
| Pretax return on assets | -0.1203% | 4,509 |
| Return on Equity (ROE) | -1.7100% | 4,505 |
| Retained earnings to average equity (ytd only) | -1.7101% | 4,195 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 103.3217% | 141 |
| Assets per employee ($millions) | 3.2517% | 4,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5357% | 215 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 36.2300% | 4,183 |
| Net loans and leases to deposits | 39.2667% | 4,245 |
| Net loans and leases to core deposits | 43.9196% | 4,173 |
| Total domestic deposits to total assets | 92.2700% | 452 |
| Equity capital to assets | 7.5008% | 3,557 |
| Core capital (leverage) ratio | 11.7032% | 1,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.5505% | 272 |
| Memoranda: | ||
| Average total assets | $63,182,500 | 4,275 |
| Average earning assets | $56,202,000 | 4,282 |
| Average equity | $4,678,000 | 4,380 |
| Average total loans | $24,210,000 | 4,321 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3097% | 3,567 |
| Cost of funding earning assets | 0.1104% | 4,338 |
| Net interest margin | 3.1993% | 2,867 |
| Noninterest income to average assets | 0.8500% | 895 |
| Noninterest expense to average assets | 3.8367% | 369 |
| Loan and lease loss provision to assets | -0.0400% | 4,387 |
| Net operating income to assets | -0.2129% | 4,609 |
| Return on assets (ROA) | -0.2129% | 4,598 |
| Pretax return on assets | -0.2027% | 4,592 |
| Return on Equity (ROE) | -2.6400% | 4,596 |
| Retained earnings to average equity (ytd only) | -2.6435% | 4,512 |
| Net charge-offs to loans | -0.1430% | 4,584 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 106.8203% | 104 |
| Assets per employee ($millions) | 3.4072% | 4,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5284% | 206 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 38.5300% | 4,123 |
| Net loans and leases to deposits | 41.6871% | 4,191 |
| Net loans and leases to core deposits | 46.4858% | 4,101 |
| Total domestic deposits to total assets | 92.4300% | 539 |
| Equity capital to assets | 7.2967% | 3,493 |
| Core capital (leverage) ratio | 12.0139% | 1,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.6343% | 247 |
| Memoranda: | ||
| Average total assets | $59,191,600 | 4,339 |
| Average earning assets | $50,729,200 | 4,365 |
| Average equity | $4,766,400 | 4,452 |
| Average total loans | $23,074,400 | 4,357 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1691% | 3,511 |
| Cost of funding earning assets | 0.1019% | 4,268 |
| Net interest margin | 3.0672% | 3,034 |
| Noninterest income to average assets | 0.9300% | 770 |
| Noninterest expense to average assets | 3.8482% | 361 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | -0.3296% | 4,663 |
| Return on assets (ROA) | -0.3296% | 4,645 |
| Pretax return on assets | -0.3182% | 4,638 |
| Return on Equity (ROE) | -4.0000% | 4,651 |
| Retained earnings to average equity (ytd only) | -3.9950% | 4,574 |
| Net charge-offs to loans | 0.0644% | 845 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | -12.7273% | 4,740 |
| Efficiency ratio | 109.0148% | 98 |
| Assets per employee ($millions) | 3.4183% | 4,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5251% | 227 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 37.2700% | 4,170 |
| Net loans and leases to deposits | 40.0056% | 4,236 |
| Net loans and leases to core deposits | 44.7694% | 4,151 |
| Total domestic deposits to total assets | 93.1500% | 541 |
| Equity capital to assets | 6.5790% | 3,702 |
| Core capital (leverage) ratio | 11.8894% | 1,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.5987% | 239 |
| Memoranda: | ||
| Average total assets | $58,657,250 | 4,383 |
| Average earning assets | $49,728,500 | 4,408 |
| Average equity | $4,839,250 | 4,490 |
| Average total loans | $22,781,750 | 4,394 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0336% | 3,471 |
| Cost of funding earning assets | 0.0953% | 4,240 |
| Net interest margin | 2.9383% | 3,064 |
| Noninterest income to average assets | 1.0815% | 569 |
| Noninterest expense to average assets | 3.9792% | 285 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.4506% | 4,677 |
| Return on assets (ROA) | -0.4506% | 4,657 |
| Pretax return on assets | -0.4402% | 4,643 |
| Return on Equity (ROE) | -5.0950% | 4,678 |
| Retained earnings to average equity (ytd only) | -5.0950% | 4,547 |
| Net charge-offs to loans | 0.0178% | 1,385 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | -63.5000% | 2,148 |
| Efficiency ratio | 112.4388% | 107 |
| Assets per employee ($millions) | 3.2858% | 4,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7806% | 178 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 35.6469% | 4,261 |
| Net loans and leases to deposits | 38.3739% | 4,318 |
| Net loans and leases to core deposits | 43.1622% | 4,219 |
| Total domestic deposits to total assets | 92.8936% | 541 |
| Equity capital to assets | 6.7733% | 3,897 |
| Core capital (leverage) ratio | 11.0148% | 1,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.0356% | 249 |
| Memoranda: | ||
| Average total assets | $57,700,000 | 4,440 |
| Average earning assets | $48,259,000 | 4,477 |
| Average equity | $5,103,000 | 4,514 |
| Average total loans | $22,534,333 | 4,455 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9646% | 3,359 |
| Cost of funding earning assets | 0.1011% | 4,119 |
| Net interest margin | 2.8636% | 2,940 |
| Noninterest income to average assets | 0.5897% | 1,737 |
| Noninterest expense to average assets | 4.1068% | 260 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -1.1443% | 4,743 |
| Return on assets (ROA) | -1.1443% | 4,740 |
| Pretax return on assets | -1.1303% | 4,732 |
| Return on Equity (ROE) | -11.5368% | 4,752 |
| Retained earnings to average equity (ytd only) | -11.5368% | 4,590 |
| Net charge-offs to loans | 0.0523% | 769 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | -53.6667% | 1,829 |
| Efficiency ratio | 137.9717% | 58 |
| Assets per employee ($millions) | 3.0035% | 4,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6510% | 246 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 38.7376% | 4,083 |
| Net loans and leases to deposits | 42.6156% | 4,136 |
| Net loans and leases to core deposits | 48.5505% | 3,958 |
| Total domestic deposits to total assets | 90.9000% | 1,085 |
| Equity capital to assets | 8.7040% | 2,970 |
| Core capital (leverage) ratio | 10.8686% | 1,591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.9172% | 242 |
| Memoranda: | ||
| Average total assets | $56,978,000 | 4,469 |
| Average earning assets | $47,493,000 | 4,507 |
| Average equity | $5,651,500 | 4,505 |
| Average total loans | $22,958,500 | 4,465 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1173% | 3,651 |
| Cost of funding earning assets | 0.1093% | 4,313 |
| Net interest margin | 3.0080% | 3,174 |
| Noninterest income to average assets | 0.6802% | 1,834 |
| Noninterest expense to average assets | 3.8079% | 349 |
| Loan and lease loss provision to assets | 0.0957% | 1,307 |
| Net operating income to assets | -0.8298% | 4,782 |
| Return on assets (ROA) | -0.6489% | 4,777 |
| Pretax return on assets | -0.6489% | 4,774 |
| Return on Equity (ROE) | -5.9152% | 4,787 |
| Retained earnings to average equity (ytd only) | -5.9152% | 4,724 |
| Net charge-offs to loans | -0.2224% | 4,717 |
| Credit loss provision to net charge-offs | -114.5833% | 3,388 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.8823% | 61 |
| Assets per employee ($millions) | 2.5859% | 4,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6067% | 242 |
| Loan loss allowance to noncurrent loans | 695.4023% | 1,111 |
| Noncurrent assets plus other real estate owned to assets | 0.1529% | 2,873 |
| Noncurrent loans to loans | 0.3749% | 2,241 |
| Net loans and leases to total assets | 39.7328% | 4,107 |
| Net loans and leases to deposits | 44.9715% | 4,140 |
| Net loans and leases to core deposits | 51.1681% | 3,957 |
| Total domestic deposits to total assets | 88.3512% | 1,852 |
| Equity capital to assets | 11.1373% | 1,707 |
| Core capital (leverage) ratio | 11.3217% | 1,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.8987% | 281 |
| Memoranda: | ||
| Average total assets | $57,485,800 | 4,483 |
| Average earning assets | $45,744,600 | 4,551 |
| Average equity | $6,305,800 | 4,500 |
| Average total loans | $21,578,000 | 4,539 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0428% | 3,923 |
| Cost of funding earning assets | 0.1175% | 4,367 |
| Net interest margin | 2.9253% | 3,493 |
| Noninterest income to average assets | 0.7033% | 1,812 |
| Noninterest expense to average assets | 3.7106% | 368 |
| Loan and lease loss provision to assets | 0.1267% | 923 |
| Net operating income to assets | -0.8305% | 4,853 |
| Return on assets (ROA) | -0.5899% | 4,846 |
| Pretax return on assets | -0.5899% | 4,840 |
| Return on Equity (ROE) | -5.3982% | 4,850 |
| Retained earnings to average equity (ytd only) | -5.3982% | 4,790 |
| Net charge-offs to loans | 0.1386% | 588 |
| Credit loss provision to net charge-offs | 250.0000% | 1,095 |
| Earnings coverage of net charge-offs (x) | -13.8182% | 2,442 |
| Efficiency ratio | 123.3846% | 67 |
| Assets per employee ($millions) | 2.7865% | 4,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3710% | 350 |
| Loan loss allowance to noncurrent loans | 607.9545% | 1,166 |
| Noncurrent assets plus other real estate owned to assets | 0.1504% | 3,108 |
| Noncurrent loans to loans | 0.3900% | 2,396 |
| Net loans and leases to total assets | 37.6461% | 4,316 |
| Net loans and leases to deposits | 42.7126% | 4,353 |
| Net loans and leases to core deposits | 48.4228% | 4,216 |
| Total domestic deposits to total assets | 88.1383% | 1,756 |
| Equity capital to assets | 11.3644% | 1,765 |
| Core capital (leverage) ratio | 11.1909% | 1,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.7998% | 309 |
| Memoranda: | ||
| Average total assets | $57,634,750 | 4,539 |
| Average earning assets | $45,395,750 | 4,617 |
| Average equity | $6,298,250 | 4,563 |
| Average total loans | $21,170,250 | 4,611 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0214% | 4,003 |
| Cost of funding earning assets | 0.1298% | 4,354 |
| Net interest margin | 2.8916% | 3,592 |
| Noninterest income to average assets | 0.7464% | 1,680 |
| Noninterest expense to average assets | 3.6658% | 382 |
| Loan and lease loss provision to assets | 0.1918% | 585 |
| Net operating income to assets | -0.8580% | 4,894 |
| Return on assets (ROA) | -0.8231% | 4,894 |
| Pretax return on assets | -0.8231% | 4,888 |
| Return on Equity (ROE) | -7.6363% | 4,897 |
| Retained earnings to average equity (ytd only) | -7.6363% | 4,837 |
| Net charge-offs to loans | -0.0097% | 3,654 |
| Credit loss provision to net charge-offs | -5,500.0000% | 3,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.2093% | 73 |
| Assets per employee ($millions) | 3.3192% | 4,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5833% | 252 |
| Loan loss allowance to noncurrent loans | 526.4151% | 1,229 |
| Noncurrent assets plus other real estate owned to assets | 0.1774% | 3,077 |
| Noncurrent loans to loans | 0.4907% | 2,208 |
| Net loans and leases to total assets | 35.2197% | 4,488 |
| Net loans and leases to deposits | 39.9613% | 4,520 |
| Net loans and leases to core deposits | 45.4186% | 4,413 |
| Total domestic deposits to total assets | 88.1346% | 1,757 |
| Equity capital to assets | 11.3114% | 1,745 |
| Core capital (leverage) ratio | 10.9688% | 1,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6258% | 449 |
| Memoranda: | ||
| Average total assets | $57,341,000 | 4,571 |
| Average earning assets | $44,680,667 | 4,655 |
| Average equity | $6,181,000 | 4,605 |
| Average total loans | $20,705,667 | 4,652 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0659% | 3,951 |
| Cost of funding earning assets | 0.1394% | 4,387 |
| Net interest margin | 2.9265% | 3,445 |
| Noninterest income to average assets | 0.4988% | 2,619 |
| Noninterest expense to average assets | 3.6410% | 395 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.8978% | 4,923 |
| Return on assets (ROA) | -0.8978% | 4,921 |
| Pretax return on assets | -0.8978% | 4,922 |
| Return on Equity (ROE) | -8.5532% | 4,931 |
| Retained earnings to average equity (ytd only) | -8.5532% | 4,796 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.7273% | 47 |
| Assets per employee ($millions) | 3.2088% | 4,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5632% | 233 |
| Loan loss allowance to noncurrent loans | 243.6893% | 2,049 |
| Noncurrent assets plus other real estate owned to assets | 0.3895% | 2,238 |
| Noncurrent loans to loans | 1.0518% | 1,279 |
| Net loans and leases to total assets | 33.0390% | 4,600 |
| Net loans and leases to deposits | 37.8533% | 4,626 |
| Net loans and leases to core deposits | 43.0350% | 4,525 |
| Total domestic deposits to total assets | 87.2816% | 2,188 |
| Equity capital to assets | 11.9791% | 1,295 |
| Core capital (leverage) ratio | 11.8804% | 1,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.3671% | 215 |
| Memoranda: | ||
| Average total assets | $56,139,000 | 4,605 |
| Average earning assets | $43,054,500 | 4,687 |
| Average equity | $5,892,500 | 4,648 |
| Average total loans | $20,258,500 | 4,689 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3084% | 4,322 |
| Cost of funding earning assets | 0.1745% | 4,666 |
| Net interest margin | 3.1339% | 3,538 |
| Noninterest income to average assets | 0.4843% | 2,699 |
| Noninterest expense to average assets | 4.1365% | 330 |
| Loan and lease loss provision to assets | 0.0586% | 3,638 |
| Net operating income to assets | -1.1542% | 4,941 |
| Return on assets (ROA) | -1.1562% | 4,942 |
| Pretax return on assets | -1.1523% | 4,935 |
| Return on Equity (ROE) | -12.0900% | 4,956 |
| Retained earnings to average equity (ytd only) | -12.0900% | 4,928 |
| Net charge-offs to loans | 0.5402% | 286 |
| Credit loss provision to net charge-offs | 31.2500% | 3,212 |
| Earnings coverage of net charge-offs (x) | -5.8229% | 3,384 |
| Efficiency ratio | 135.8563% | 45 |
| Assets per employee ($millions) | 3.2070% | 4,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3982% | 298 |
| Loan loss allowance to noncurrent loans | 217.3160% | 2,211 |
| Noncurrent assets plus other real estate owned to assets | 0.6732% | 1,551 |
| Noncurrent loans to loans | 1.1036% | 1,286 |
| Net loans and leases to total assets | 37.4732% | 4,548 |
| Net loans and leases to deposits | 41.4890% | 4,618 |
| Net loans and leases to core deposits | 45.2191% | 4,563 |
| Total domestic deposits to total assets | 90.3208% | 441 |
| Equity capital to assets | 8.9253% | 4,121 |
| Core capital (leverage) ratio | 8.6146% | 4,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9433% | 444 |
| Memoranda: | ||
| Average total assets | $51,202,800 | 4,633 |
| Average earning assets | $41,832,400 | 4,694 |
| Average equity | $4,896,600 | 4,767 |
| Average total loans | $17,769,800 | 4,761 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2752% | 4,508 |
| Cost of funding earning assets | 0.1835% | 4,721 |
| Net interest margin | 3.0917% | 3,758 |
| Noninterest income to average assets | 0.4833% | 2,684 |
| Noninterest expense to average assets | 4.3129% | 289 |
| Loan and lease loss provision to assets | 0.0535% | 3,678 |
| Net operating income to assets | -1.3073% | 4,968 |
| Return on assets (ROA) | -1.3047% | 4,967 |
| Pretax return on assets | -1.2994% | 4,960 |
| Return on Equity (ROE) | -13.4302% | 4,983 |
| Retained earnings to average equity (ytd only) | -13.4302% | 4,959 |
| Net charge-offs to loans | 1.1015% | 123 |
| Credit loss provision to net charge-offs | 14.1844% | 2,989 |
| Earnings coverage of net charge-offs (x) | -3.3546% | 3,178 |
| Efficiency ratio | 140.7759% | 49 |
| Assets per employee ($millions) | 3.4415% | 4,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2521% | 316 |
| Loan loss allowance to noncurrent loans | 147.7848% | 2,731 |
| Noncurrent assets plus other real estate owned to assets | 0.8772% | 1,319 |
| Noncurrent loans to loans | 1.5239% | 935 |
| Net loans and leases to total assets | 36.8099% | 4,650 |
| Net loans and leases to deposits | 40.8402% | 4,729 |
| Net loans and leases to core deposits | 44.4739% | 4,699 |
| Total domestic deposits to total assets | 90.1315% | 382 |
| Equity capital to assets | 8.6063% | 4,399 |
| Core capital (leverage) ratio | 8.2914% | 4,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.9006% | 218 |
| Memoranda: | ||
| Average total assets | $50,483,000 | 4,664 |
| Average earning assets | $42,133,250 | 4,717 |
| Average equity | $4,904,250 | 4,793 |
| Average total loans | $17,067,500 | 4,799 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2832% | 4,665 |
| Cost of funding earning assets | 0.2043% | 4,756 |
| Net interest margin | 3.0789% | 3,946 |
| Noninterest income to average assets | 0.4519% | 2,797 |
| Noninterest expense to average assets | 4.5356% | 247 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -1.4576% | 4,996 |
| Return on assets (ROA) | -1.4535% | 4,996 |
| Pretax return on assets | -1.4413% | 4,982 |
| Return on Equity (ROE) | -13.9236% | 5,008 |
| Retained earnings to average equity (ytd only) | -13.9236% | 4,969 |
| Net charge-offs to loans | 1.7890% | 74 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | -2.5000% | 2,965 |
| Efficiency ratio | 146.7721% | 43 |
| Assets per employee ($millions) | 2.8196% | 4,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7288% | 178 |
| Loan loss allowance to noncurrent loans | 89.3082% | 3,380 |
| Noncurrent assets plus other real estate owned to assets | 1.3674% | 729 |
| Noncurrent loans to loans | 3.0555% | 310 |
| Net loans and leases to total assets | 29.9200% | 4,858 |
| Net loans and leases to deposits | 33.3993% | 4,896 |
| Net loans and leases to core deposits | 36.4411% | 4,874 |
| Total domestic deposits to total assets | 89.5827% | 540 |
| Equity capital to assets | 9.9503% | 3,255 |
| Core capital (leverage) ratio | 9.7339% | 3,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.2634% | 181 |
| Memoranda: | ||
| Average total assets | $49,122,333 | 4,703 |
| Average earning assets | $42,093,000 | 4,739 |
| Average equity | $5,128,000 | 4,786 |
| Average total loans | $15,874,667 | 4,846 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3711% | 4,756 |
| Cost of funding earning assets | 0.1983% | 4,895 |
| Net interest margin | 3.1728% | 3,925 |
| Noninterest income to average assets | 0.5217% | 2,432 |
| Noninterest expense to average assets | 4.9765% | 226 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -1.6892% | 5,031 |
| Return on assets (ROA) | -1.6892% | 5,017 |
| Pretax return on assets | -1.6726% | 5,002 |
| Return on Equity (ROE) | -15.7925% | 5,042 |
| Retained earnings to average equity (ytd only) | -15.7925% | 4,908 |
| Net charge-offs to loans | 3.2987% | 37 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | -1.5303% | 2,502 |
| Efficiency ratio | 150.6266% | 56 |
| Assets per employee ($millions) | 2.9756% | 4,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8365% | 175 |
| Loan loss allowance to noncurrent loans | 40.7858% | 4,244 |
| Noncurrent assets plus other real estate owned to assets | 2.7075% | 245 |
| Noncurrent loans to loans | 6.9547% | 58 |
| Net loans and leases to total assets | 31.3701% | 4,881 |
| Net loans and leases to deposits | 35.2948% | 4,914 |
| Net loans and leases to core deposits | 39.8990% | 4,876 |
| Total domestic deposits to total assets | 88.8803% | 717 |
| Equity capital to assets | 10.7333% | 3,106 |
| Core capital (leverage) ratio | 10.4175% | 3,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6607% | 1,430 |
| Memoranda: | ||
| Average total assets | $48,307,500 | 4,738 |
| Average earning assets | $42,360,000 | 4,775 |
| Average equity | $5,167,000 | 4,816 |
| Average total loans | $16,006,500 | 4,884 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0991% | 4,039 |
| Cost of funding earning assets | 0.1839% | 4,992 |
| Net interest margin | 3.9152% | 2,118 |
| Noninterest income to average assets | 0.6841% | 1,869 |
| Noninterest expense to average assets | 3.9711% | 546 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.0687% | 4,943 |
| Return on assets (ROA) | 0.0616% | 4,960 |
| Pretax return on assets | 0.0719% | 4,956 |
| Return on Equity (ROE) | 0.6528% | 4,951 |
| Retained earnings to average equity (ytd only) | 0.6528% | 4,503 |
| Net charge-offs to loans | -0.5657% | 5,124 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.0223% | 186 |
| Assets per employee ($millions) | 3.3194% | 4,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2989% | 97 |
| Loan loss allowance to noncurrent loans | 39.6963% | 4,269 |
| Noncurrent assets plus other real estate owned to assets | 3.0327% | 176 |
| Noncurrent loans to loans | 8.3103% | 35 |
| Net loans and leases to total assets | 32.3211% | 4,931 |
| Net loans and leases to deposits | 36.8573% | 4,962 |
| Net loans and leases to core deposits | 40.8919% | 4,930 |
| Total domestic deposits to total assets | 87.6926% | 1,277 |
| Equity capital to assets | 10.6465% | 3,314 |
| Core capital (leverage) ratio | 10.6108% | 2,849 |
| Tier 1 risk-based capital ratio | 19.8229% | 1,348 |
| Total risk-based capital ratio | 21.0831% | 1,317 |
| Memoranda: | ||
| Average total assets | $48,676,800 | 4,771 |
| Average earning assets | $41,862,800 | 4,817 |
| Average equity | $4,595,400 | 4,933 |
| Average total loans | $16,794,800 | 4,934 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2156% | 3,891 |
| Cost of funding earning assets | 0.1830% | 5,067 |
| Net interest margin | 4.0326% | 1,826 |
| Noninterest income to average assets | 1.0028% | 930 |
| Noninterest expense to average assets | 4.2315% | 400 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.2196% | 4,934 |
| Return on assets (ROA) | 0.1515% | 4,998 |
| Pretax return on assets | 0.1598% | 5,007 |
| Return on Equity (ROE) | 1.6594% | 4,943 |
| Retained earnings to average equity (ytd only) | 1.6594% | 4,379 |
| Net charge-offs to loans | -0.3723% | 5,173 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8148% | 221 |
| Assets per employee ($millions) | 3.2413% | 4,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1095% | 121 |
| Loan loss allowance to noncurrent loans | 43.1642% | 4,285 |
| Noncurrent assets plus other real estate owned to assets | 2.6327% | 242 |
| Noncurrent loans to loans | 7.2039% | 52 |
| Net loans and leases to total assets | 32.1726% | 5,016 |
| Net loans and leases to deposits | 36.2864% | 5,062 |
| Net loans and leases to core deposits | 40.8930% | 5,017 |
| Total domestic deposits to total assets | 88.6629% | 765 |
| Equity capital to assets | 10.7468% | 3,337 |
| Core capital (leverage) ratio | 10.6965% | 2,937 |
| Tier 1 risk-based capital ratio | 28.2126% | 561 |
| Total risk-based capital ratio | 29.4818% | 542 |
| Memoranda: | ||
| Average total assets | $48,398,250 | 4,843 |
| Average earning assets | $41,527,500 | 4,892 |
| Average equity | $4,419,000 | 5,021 |
| Average total loans | $16,833,000 | 5,006 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2768% | 3,708 |
| Cost of funding earning assets | 0.1847% | 5,107 |
| Net interest margin | 4.0921% | 1,632 |
| Noninterest income to average assets | 1.1798% | 618 |
| Noninterest expense to average assets | 4.1850% | 422 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.4698% | 4,596 |
| Return on assets (ROA) | 0.3684% | 4,800 |
| Pretax return on assets | 0.3767% | 4,856 |
| Return on Equity (ROE) | 4.2100% | 4,537 |
| Retained earnings to average equity (ytd only) | 4.2100% | 3,139 |
| Net charge-offs to loans | -0.1641% | 5,098 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7072% | 361 |
| Assets per employee ($millions) | 3.2516% | 4,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8079% | 154 |
| Loan loss allowance to noncurrent loans | 62.6168% | 3,965 |
| Noncurrent assets plus other real estate owned to assets | 1.9314% | 490 |
| Noncurrent loans to loans | 4.4842% | 136 |
| Net loans and leases to total assets | 33.2841% | 5,043 |
| Net loans and leases to deposits | 37.2425% | 5,089 |
| Net loans and leases to core deposits | 41.8985% | 5,047 |
| Total domestic deposits to total assets | 89.3714% | 511 |
| Equity capital to assets | 10.4420% | 3,571 |
| Core capital (leverage) ratio | 10.5599% | 3,022 |
| Tier 1 risk-based capital ratio | 36.0103% | 310 |
| Total risk-based capital ratio | 37.2849% | 305 |
| Memoranda: | ||
| Average total assets | $48,315,000 | 4,883 |
| Average earning assets | $41,152,000 | 4,940 |
| Average equity | $4,228,000 | 5,077 |
| Average total loans | $17,062,670 | 5,046 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3447% | 3,422 |
| Cost of funding earning assets | 0.1880% | 5,144 |
| Net interest margin | 4.1567% | 1,416 |
| Noninterest income to average assets | 1.1064% | 662 |
| Noninterest expense to average assets | 4.3755% | 344 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.1950% | 5,011 |
| Return on assets (ROA) | 0.1081% | 5,091 |
| Pretax return on assets | 0.1248% | 5,088 |
| Return on Equity (ROE) | 1.3700% | 5,042 |
| Retained earnings to average equity (ytd only) | 1.3700% | 4,237 |
| Net charge-offs to loans | -0.3248% | 5,227 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1175% | 246 |
| Assets per employee ($millions) | 3.2389% | 4,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7481% | 175 |
| Loan loss allowance to noncurrent loans | 87.6866% | 3,572 |
| Noncurrent assets plus other real estate owned to assets | 1.5005% | 799 |
| Noncurrent loans to loans | 3.1340% | 329 |
| Net loans and leases to total assets | 34.2363% | 5,066 |
| Net loans and leases to deposits | 37.3105% | 5,125 |
| Net loans and leases to core deposits | 43.0360% | 5,062 |
| Total domestic deposits to total assets | 91.7605% | 73 |
| Equity capital to assets | 7.9246% | 5,201 |
| Core capital (leverage) ratio | 8.4316% | 5,045 |
| Tier 1 risk-based capital ratio | 28.7129% | 525 |
| Total risk-based capital ratio | 29.9909% | 516 |
| Memoranda: | ||
| Average total assets | $48,085,500 | 4,934 |
| Average earning assets | $40,417,000 | 4,997 |
| Average equity | $3,795,500 | 5,169 |
| Average total loans | $17,242,500 | 5,100 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9764% | 4,092 |
| Cost of funding earning assets | 0.1243% | 5,234 |
| Net interest margin | 3.8522% | 2,493 |
| Noninterest income to average assets | 0.7577% | 1,611 |
| Noninterest expense to average assets | 4.4902% | 302 |
| Loan and lease loss provision to assets | 0.8410% | 115 |
| Net operating income to assets | -1.2927% | 5,350 |
| Return on assets (ROA) | -1.2927% | 5,347 |
| Pretax return on assets | -1.2823% | 5,349 |
| Return on Equity (ROE) | -16.0167% | 5,373 |
| Retained earnings to average equity (ytd only) | -16.0167% | 5,362 |
| Net charge-offs to loans | 2.7530% | 37 |
| Credit loss provision to net charge-offs | 73.1884% | 2,953 |
| Earnings coverage of net charge-offs (x) | -0.3841% | 3,725 |
| Efficiency ratio | 110.8997% | 81 |
| Assets per employee ($millions) | 3.3991% | 4,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6119% | 203 |
| Loan loss allowance to noncurrent loans | 71.2716% | 3,899 |
| Noncurrent assets plus other real estate owned to assets | 1.6349% | 676 |
| Noncurrent loans to loans | 3.6647% | 225 |
| Net loans and leases to total assets | 35.5720% | 5,077 |
| Net loans and leases to deposits | 38.7236% | 5,142 |
| Net loans and leases to core deposits | 44.7878% | 5,068 |
| Total domestic deposits to total assets | 91.8614% | 83 |
| Equity capital to assets | 7.8612% | 5,205 |
| Core capital (leverage) ratio | 8.5446% | 5,004 |
| Tier 1 risk-based capital ratio | 27.7400% | 580 |
| Total risk-based capital ratio | 29.0197% | 566 |
| Memoranda: | ||
| Average total assets | $48,038,200 | 4,973 |
| Average earning assets | $41,042,000 | 5,034 |
| Average equity | $3,877,200 | 5,199 |
| Average total loans | $20,050,600 | 5,077 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9649% | 4,034 |
| Cost of funding earning assets | 0.1060% | 5,338 |
| Net interest margin | 3.8588% | 2,440 |
| Noninterest income to average assets | 0.7836% | 1,525 |
| Noninterest expense to average assets | 4.4470% | 304 |
| Loan and lease loss provision to assets | 0.3821% | 337 |
| Net operating income to assets | -0.7310% | 5,408 |
| Return on assets (ROA) | -0.7310% | 5,403 |
| Pretax return on assets | -0.7199% | 5,402 |
| Return on Equity (ROE) | -8.9994% | 5,414 |
| Retained earnings to average equity (ytd only) | -8.9994% | 5,379 |
| Net charge-offs to loans | -0.0257% | 4,697 |
| Credit loss provision to net charge-offs | -3,450.0000% | 4,810 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.2210% | 88 |
| Assets per employee ($millions) | 2.7512% | 5,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6921% | 77 |
| Loan loss allowance to noncurrent loans | 122.5329% | 3,110 |
| Noncurrent assets plus other real estate owned to assets | 1.5608% | 813 |
| Noncurrent loans to loans | 3.0132% | 361 |
| Net loans and leases to total assets | 41.5493% | 4,981 |
| Net loans and leases to deposits | 45.1689% | 5,079 |
| Net loans and leases to core deposits | 52.3561% | 4,956 |
| Total domestic deposits to total assets | 91.9865% | 81 |
| Equity capital to assets | 7.7420% | 5,258 |
| Core capital (leverage) ratio | 8.5853% | 5,045 |
| Tier 1 risk-based capital ratio | 25.1813% | 738 |
| Total risk-based capital ratio | 26.4733% | 720 |
| Memoranda: | ||
| Average total assets | $48,150,750 | 5,024 |
| Average earning assets | $41,496,750 | 5,083 |
| Average equity | $3,911,250 | 5,257 |
| Average total loans | $20,717,750 | 5,123 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7228% | 4,528 |
| Cost of funding earning assets | 0.0816% | 5,441 |
| Net interest margin | 3.6412% | 3,152 |
| Noninterest income to average assets | 0.7697% | 1,575 |
| Noninterest expense to average assets | 4.3507% | 342 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -0.4651% | 5,442 |
| Return on assets (ROA) | -0.4651% | 5,436 |
| Pretax return on assets | -0.4569% | 5,430 |
| Return on Equity (ROE) | -5.6980% | 5,446 |
| Retained earnings to average equity (ytd only) | -5.6980% | 5,316 |
| Net charge-offs to loans | -0.0383% | 4,823 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.7336% | 88 |
| Assets per employee ($millions) | 2.5237% | 5,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0667% | 128 |
| Loan loss allowance to noncurrent loans | 94.2547% | 3,577 |
| Noncurrent assets plus other real estate owned to assets | 1.5975% | 804 |
| Noncurrent loans to loans | 3.2537% | 322 |
| Net loans and leases to total assets | 40.0117% | 5,053 |
| Net loans and leases to deposits | 43.6274% | 5,152 |
| Net loans and leases to core deposits | 50.3847% | 5,036 |
| Total domestic deposits to total assets | 91.7124% | 119 |
| Equity capital to assets | 8.0666% | 5,201 |
| Core capital (leverage) ratio | 8.7856% | 4,897 |
| Tier 1 risk-based capital ratio | 26.0507% | 669 |
| Total risk-based capital ratio | 27.3280% | 653 |
| Memoranda: | ||
| Average total assets | $48,590,000 | 5,078 |
| Average earning assets | $41,689,330 | 5,137 |
| Average equity | $3,966,330 | 5,304 |
| Average total loans | $20,897,670 | 5,176 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7560% | 4,341 |
| Cost of funding earning assets | 0.0671% | 5,517 |
| Net interest margin | 3.6889% | 2,845 |
| Noninterest income to average assets | 0.8669% | 1,240 |
| Noninterest expense to average assets | 4.5390% | 284 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.5398% | 5,499 |
| Return on assets (ROA) | -0.5398% | 5,498 |
| Pretax return on assets | -0.5234% | 5,497 |
| Return on Equity (ROE) | -6.5745% | 5,516 |
| Retained earnings to average equity (ytd only) | -6.5745% | 5,270 |
| Net charge-offs to loans | 0.0746% | 1,377 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | -16.0000% | 2,705 |
| Efficiency ratio | 113.0346% | 86 |
| Assets per employee ($millions) | 2.5429% | 5,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8429% | 183 |
| Loan loss allowance to noncurrent loans | 73.2274% | 3,966 |
| Noncurrent assets plus other real estate owned to assets | 1.9456% | 600 |
| Noncurrent loans to loans | 3.8823% | 263 |
| Net loans and leases to total assets | 42.3699% | 4,963 |
| Net loans and leases to deposits | 46.1776% | 5,094 |
| Net loans and leases to core deposits | 53.2586% | 4,939 |
| Total domestic deposits to total assets | 91.7541% | 139 |
| Equity capital to assets | 8.0348% | 5,256 |
| Core capital (leverage) ratio | 8.7584% | 4,940 |
| Tier 1 risk-based capital ratio | 25.4019% | 727 |
| Total risk-based capital ratio | 26.6811% | 712 |
| Memoranda: | ||
| Average total assets | $48,909,500 | 5,125 |
| Average earning assets | $41,747,000 | 5,193 |
| Average equity | $4,015,500 | 5,352 |
| Average total loans | $21,450,000 | 5,221 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9860% | 3,451 |
| Cost of funding earning assets | 0.0868% | 5,538 |
| Net interest margin | 3.8992% | 2,090 |
| Noninterest income to average assets | 1.0897% | 853 |
| Noninterest expense to average assets | 4.4267% | 334 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -0.2096% | 5,453 |
| Return on assets (ROA) | -0.0718% | 5,402 |
| Pretax return on assets | -0.0604% | 5,458 |
| Return on Equity (ROE) | -0.9141% | 5,422 |
| Retained earnings to average equity (ytd only) | -0.9141% | 5,175 |
| Net charge-offs to loans | -0.4609% | 5,601 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.6896% | 128 |
| Assets per employee ($millions) | 2.6045% | 5,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7623% | 185 |
| Loan loss allowance to noncurrent loans | 61.4053% | 4,251 |
| Noncurrent assets plus other real estate owned to assets | 2.2209% | 463 |
| Noncurrent loans to loans | 4.4984% | 181 |
| Net loans and leases to total assets | 42.8958% | 5,038 |
| Net loans and leases to deposits | 46.9478% | 5,169 |
| Net loans and leases to core deposits | 53.9825% | 5,004 |
| Total domestic deposits to total assets | 91.3691% | 163 |
| Equity capital to assets | 8.3460% | 5,231 |
| Core capital (leverage) ratio | 8.3047% | 5,282 |
| Tier 1 risk-based capital ratio | 24.7330% | 748 |
| Total risk-based capital ratio | 26.0101% | 728 |
| Memoranda: | ||
| Average total assets | $52,951,800 | 5,101 |
| Average earning assets | $42,624,600 | 5,218 |
| Average equity | $4,157,200 | 5,403 |
| Average total loans | $22,564,000 | 5,238 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9844% | 3,405 |
| Cost of funding earning assets | 0.0908% | 5,588 |
| Net interest margin | 3.8937% | 2,063 |
| Noninterest income to average assets | 0.8919% | 1,298 |
| Noninterest expense to average assets | 4.1546% | 425 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -0.1908% | 5,575 |
| Return on assets (ROA) | -0.0099% | 5,522 |
| Pretax return on assets | 0.0000% | 5,511 |
| Return on Equity (ROE) | -0.1280% | 5,524 |
| Retained earnings to average equity (ytd only) | -0.1280% | 5,226 |
| Net charge-offs to loans | -0.5451% | 5,664 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.5511% | 128 |
| Assets per employee ($millions) | 2.7991% | 5,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6584% | 223 |
| Loan loss allowance to noncurrent loans | 72.8501% | 4,068 |
| Noncurrent assets plus other real estate owned to assets | 1.7506% | 807 |
| Noncurrent loans to loans | 3.6491% | 291 |
| Net loans and leases to total assets | 40.8296% | 5,163 |
| Net loans and leases to deposits | 44.5598% | 5,300 |
| Net loans and leases to core deposits | 50.6922% | 5,175 |
| Total domestic deposits to total assets | 91.6287% | 88 |
| Equity capital to assets | 7.9331% | 5,534 |
| Core capital (leverage) ratio | 8.3112% | 5,363 |
| Tier 1 risk-based capital ratio | 22.6549% | 977 |
| Total risk-based capital ratio | 23.9238% | 959 |
| Memoranda: | ||
| Average total assets | $53,818,500 | 5,143 |
| Average earning assets | $42,598,000 | 5,278 |
| Average equity | $4,164,000 | 5,459 |
| Average total loans | $22,747,500 | 5,285 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9602% | 3,346 |
| Cost of funding earning assets | 0.0902% | 5,633 |
| Net interest margin | 3.8700% | 2,028 |
| Noninterest income to average assets | 0.8773% | 1,342 |
| Noninterest expense to average assets | 4.1791% | 424 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -0.2961% | 5,643 |
| Return on assets (ROA) | -0.1407% | 5,599 |
| Pretax return on assets | -0.1296% | 5,589 |
| Return on Equity (ROE) | -1.8332% | 5,621 |
| Retained earnings to average equity (ytd only) | -1.8332% | 5,330 |
| Net charge-offs to loans | -0.7862% | 5,723 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.3194% | 121 |
| Assets per employee ($millions) | 2.5161% | 5,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6229% | 248 |
| Loan loss allowance to noncurrent loans | 64.0608% | 4,287 |
| Noncurrent assets plus other real estate owned to assets | 1.8207% | 756 |
| Noncurrent loans to loans | 4.0944% | 230 |
| Net loans and leases to total assets | 41.4550% | 5,170 |
| Net loans and leases to deposits | 45.3030% | 5,303 |
| Net loans and leases to core deposits | 51.5837% | 5,166 |
| Total domestic deposits to total assets | 91.5061% | 131 |
| Equity capital to assets | 8.0302% | 5,524 |
| Core capital (leverage) ratio | 8.3008% | 5,354 |
| Tier 1 risk-based capital ratio | 21.8108% | 1,075 |
| Total risk-based capital ratio | 23.0915% | 1,052 |
| Memoranda: | ||
| Average total assets | $54,030,670 | 5,171 |
| Average earning assets | $42,119,330 | 5,324 |
| Average equity | $4,145,670 | 5,500 |
| Average total loans | $22,894,330 | 5,320 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0484% | 2,858 |
| Cost of funding earning assets | 0.0870% | 5,698 |
| Net interest margin | 3.9614% | 1,576 |
| Noninterest income to average assets | 0.8701% | 1,337 |
| Noninterest expense to average assets | 4.0140% | 531 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.0981% | 5,648 |
| Return on assets (ROA) | 0.0292% | 5,598 |
| Pretax return on assets | 0.0439% | 5,576 |
| Return on Equity (ROE) | 0.3806% | 5,580 |
| Retained earnings to average equity (ytd only) | 0.3806% | 4,832 |
| Net charge-offs to loans | -1.6974% | 5,803 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.7807% | 178 |
| Assets per employee ($millions) | 2.6276% | 5,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6151% | 277 |
| Loan loss allowance to noncurrent loans | 65.5324% | 4,299 |
| Noncurrent assets plus other real estate owned to assets | 1.8477% | 755 |
| Noncurrent loans to loans | 3.9905% | 259 |
| Net loans and leases to total assets | 42.3048% | 5,142 |
| Net loans and leases to deposits | 46.1379% | 5,298 |
| Net loans and leases to core deposits | 52.5567% | 5,125 |
| Total domestic deposits to total assets | 91.6920% | 147 |
| Equity capital to assets | 8.0948% | 5,474 |
| Core capital (leverage) ratio | 7.9670% | 5,571 |
| Tier 1 risk-based capital ratio | 22.0817% | 1,079 |
| Total risk-based capital ratio | 23.3514% | 1,059 |
| Memoranda: | ||
| Average total assets | $54,709,000 | 5,213 |
| Average earning assets | $41,399,500 | 5,399 |
| Average equity | $4,203,500 | 5,547 |
| Average total loans | $23,094,500 | 5,370 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5241% | 1,464 |
| Cost of funding earning assets | 0.1017% | 5,695 |
| Net interest margin | 4.4224% | 738 |
| Noninterest income to average assets | 1.0370% | 1,051 |
| Noninterest expense to average assets | 4.3089% | 444 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.1777% | 5,452 |
| Return on assets (ROA) | 0.2456% | 5,400 |
| Pretax return on assets | 0.2562% | 5,420 |
| Return on Equity (ROE) | 3.2137% | 5,099 |
| Retained earnings to average equity (ytd only) | 3.2137% | 3,626 |
| Net charge-offs to loans | 0.7349% | 287 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 0.5707% | 4,092 |
| Efficiency ratio | 95.8726% | 317 |
| Assets per employee ($millions) | 2.9939% | 5,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1404% | 507 |
| Loan loss allowance to noncurrent loans | 55.4324% | 4,563 |
| Noncurrent assets plus other real estate owned to assets | 1.6912% | 912 |
| Noncurrent loans to loans | 3.8613% | 283 |
| Net loans and leases to total assets | 40.1870% | 5,306 |
| Net loans and leases to deposits | 43.4692% | 5,448 |
| Net loans and leases to core deposits | 48.9445% | 5,333 |
| Total domestic deposits to total assets | 92.4495% | 69 |
| Equity capital to assets | 7.3342% | 5,750 |
| Core capital (leverage) ratio | 7.9425% | 5,645 |
| Tier 1 risk-based capital ratio | 20.2041% | 1,343 |
| Total risk-based capital ratio | 21.4671% | 1,315 |
| Memoranda: | ||
| Average total assets | $56,603,600 | 5,221 |
| Average earning assets | $44,251,600 | 5,372 |
| Average equity | $4,325,200 | 5,584 |
| Average total loans | $25,036,200 | 5,351 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6244% | 1,246 |
| Cost of funding earning assets | 0.1014% | 5,763 |
| Net interest margin | 4.5230% | 594 |
| Noninterest income to average assets | 1.1297% | 900 |
| Noninterest expense to average assets | 4.3395% | 432 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3567% | 5,149 |
| Return on assets (ROA) | 0.4505% | 4,958 |
| Pretax return on assets | 0.4623% | 5,207 |
| Return on Equity (ROE) | 5.8361% | 4,152 |
| Retained earnings to average equity (ytd only) | 5.8361% | 2,279 |
| Net charge-offs to loans | 0.2828% | 810 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 2.8703% | 3,502 |
| Efficiency ratio | 92.2306% | 453 |
| Assets per employee ($millions) | 2.5392% | 5,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6643% | 277 |
| Loan loss allowance to noncurrent loans | 57.4818% | 4,570 |
| Noncurrent assets plus other real estate owned to assets | 2.2090% | 662 |
| Noncurrent loans to loans | 4.6350% | 200 |
| Net loans and leases to total assets | 41.2008% | 5,327 |
| Net loans and leases to deposits | 45.0905% | 5,482 |
| Net loans and leases to core deposits | 51.6401% | 5,324 |
| Total domestic deposits to total assets | 91.3735% | 131 |
| Equity capital to assets | 8.2505% | 5,649 |
| Core capital (leverage) ratio | 7.6078% | 5,810 |
| Tier 1 risk-based capital ratio | 20.1979% | 1,409 |
| Total risk-based capital ratio | 21.4664% | 1,370 |
| Memoranda: | ||
| Average total assets | $56,533,500 | 5,267 |
| Average earning assets | $44,689,250 | 5,420 |
| Average equity | $4,363,500 | 5,642 |
| Average total loans | $25,455,250 | 5,384 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3910% | 1,853 |
| Cost of funding earning assets | 0.1059% | 5,829 |
| Net interest margin | 4.2851% | 954 |
| Noninterest income to average assets | 0.8867% | 1,413 |
| Noninterest expense to average assets | 4.2894% | 450 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.0118% | 5,756 |
| Return on assets (ROA) | 0.0493% | 5,759 |
| Pretax return on assets | 0.0598% | 5,753 |
| Return on Equity (ROE) | 0.6368% | 5,739 |
| Retained earnings to average equity (ytd only) | 0.6368% | 5,118 |
| Net charge-offs to loans | 0.3454% | 679 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 0.0889% | 3,554 |
| Efficiency ratio | 99.6729% | 249 |
| Assets per employee ($millions) | 2.6735% | 5,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5986% | 322 |
| Loan loss allowance to noncurrent loans | 37.9454% | 5,098 |
| Noncurrent assets plus other real estate owned to assets | 3.3967% | 323 |
| Noncurrent loans to loans | 6.8483% | 91 |
| Net loans and leases to total assets | 42.6607% | 5,308 |
| Net loans and leases to deposits | 46.5638% | 5,483 |
| Net loans and leases to core deposits | 52.9690% | 5,321 |
| Total domestic deposits to total assets | 91.6178% | 114 |
| Equity capital to assets | 8.1720% | 5,744 |
| Core capital (leverage) ratio | 7.0128% | 5,952 |
| Tier 1 risk-based capital ratio | 17.3953% | 2,098 |
| Total risk-based capital ratio | 19.5440% | 1,818 |
| Memoranda: | ||
| Average total assets | $56,837,670 | 5,319 |
| Average earning assets | $45,319,670 | 5,470 |
| Average equity | $4,397,330 | 5,698 |
| Average total loans | $26,058,330 | 5,432 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7930% | 3,967 |
| Cost of funding earning assets | 0.0961% | 5,929 |
| Net interest margin | 3.6969% | 2,681 |
| Noninterest income to average assets | 1.0562% | 967 |
| Noninterest expense to average assets | 4.4907% | 401 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.4826% | 5,959 |
| Return on assets (ROA) | -0.4826% | 5,967 |
| Pretax return on assets | -0.4756% | 5,956 |
| Return on Equity (ROE) | -6.4156% | 5,994 |
| Retained earnings to average equity (ytd only) | -6.4156% | 5,690 |
| Net charge-offs to loans | 0.7017% | 303 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -1.4468% | 3,013 |
| Efficiency ratio | 111.8467% | 144 |
| Assets per employee ($millions) | 2.6304% | 5,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4541% | 405 |
| Loan loss allowance to noncurrent loans | 31.1644% | 5,268 |
| Noncurrent assets plus other real estate owned to assets | 3.9987% | 252 |
| Noncurrent loans to loans | 7.8746% | 72 |
| Net loans and leases to total assets | 43.7540% | 5,259 |
| Net loans and leases to deposits | 47.3944% | 5,447 |
| Net loans and leases to core deposits | 53.6327% | 5,278 |
| Total domestic deposits to total assets | 92.3189% | 81 |
| Equity capital to assets | 7.4962% | 5,948 |
| Core capital (leverage) ratio | 6.7987% | 6,014 |
| Tier 1 risk-based capital ratio | 16.4748% | 2,484 |
| Total risk-based capital ratio | 18.6035% | 2,143 |
| Memoranda: | ||
| Average total assets | $57,185,000 | 5,359 |
| Average earning assets | $45,768,500 | 5,499 |
| Average equity | $4,302,000 | 5,759 |
| Average total loans | $26,792,500 | 5,454 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0559% | 3,090 |
| Cost of funding earning assets | 0.1070% | 5,935 |
| Net interest margin | 3.9490% | 1,875 |
| Noninterest income to average assets | 1.2183% | 805 |
| Noninterest expense to average assets | 4.8193% | 322 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.3501% | 6,005 |
| Return on assets (ROA) | -0.2946% | 5,995 |
| Pretax return on assets | -0.2825% | 5,982 |
| Return on Equity (ROE) | -3.9396% | 6,029 |
| Retained earnings to average equity (ytd only) | -3.9396% | 5,870 |
| Net charge-offs to loans | 2.3264% | 51 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | -0.2855% | 4,292 |
| Efficiency ratio | 107.5406% | 163 |
| Assets per employee ($millions) | 2.5682% | 5,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4757% | 410 |
| Loan loss allowance to noncurrent loans | 27.9298% | 5,368 |
| Noncurrent assets plus other real estate owned to assets | 4.8123% | 186 |
| Noncurrent loans to loans | 8.8642% | 59 |
| Net loans and leases to total assets | 47.6877% | 5,046 |
| Net loans and leases to deposits | 51.6961% | 5,300 |
| Net loans and leases to core deposits | 59.0127% | 5,041 |
| Total domestic deposits to total assets | 92.2462% | 87 |
| Equity capital to assets | 7.5503% | 5,973 |
| Core capital (leverage) ratio | 6.9244% | 6,059 |
| Tier 1 risk-based capital ratio | 16.4754% | 2,495 |
| Total risk-based capital ratio | 18.5873% | 2,122 |
| Memoranda: | ||
| Average total assets | $57,705,400 | 5,370 |
| Average earning assets | $47,683,400 | 5,488 |
| Average equity | $4,315,200 | 5,798 |
| Average total loans | $29,358,200 | 5,385 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1019% | 2,926 |
| Cost of funding earning assets | 0.1111% | 6,016 |
| Net interest margin | 3.9908% | 1,731 |
| Noninterest income to average assets | 0.6390% | 2,530 |
| Noninterest expense to average assets | 4.8614% | 316 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.9332% | 6,188 |
| Return on assets (ROA) | -0.8527% | 6,181 |
| Pretax return on assets | -0.8390% | 6,173 |
| Return on Equity (ROE) | -11.4304% | 6,196 |
| Retained earnings to average equity (ytd only) | -11.4304% | 6,148 |
| Net charge-offs to loans | 2.9807% | 34 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -0.6006% | 4,035 |
| Efficiency ratio | 123.3236% | 89 |
| Assets per employee ($millions) | 2.3023% | 6,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4867% | 443 |
| Loan loss allowance to noncurrent loans | 37.0449% | 5,277 |
| Noncurrent assets plus other real estate owned to assets | 3.6311% | 342 |
| Noncurrent loans to loans | 6.7127% | 107 |
| Net loans and leases to total assets | 47.8265% | 5,095 |
| Net loans and leases to deposits | 51.7181% | 5,383 |
| Net loans and leases to core deposits | 58.8721% | 5,140 |
| Total domestic deposits to total assets | 92.4754% | 66 |
| Equity capital to assets | 7.2223% | 6,117 |
| Core capital (leverage) ratio | 6.7684% | 6,153 |
| Tier 1 risk-based capital ratio | 15.2960% | 3,143 |
| Total risk-based capital ratio | 17.3481% | 2,708 |
| Memoranda: | ||
| Average total assets | $58,006,500 | 5,430 |
| Average earning assets | $48,008,750 | 5,550 |
| Average equity | $4,327,500 | 5,877 |
| Average total loans | $29,790,750 | 5,430 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1880% | 2,587 |
| Cost of funding earning assets | 0.1153% | 6,062 |
| Net interest margin | 4.0727% | 1,432 |
| Noninterest income to average assets | 0.4436% | 3,754 |
| Noninterest expense to average assets | 4.8250% | 327 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.9939% | 6,261 |
| Return on assets (ROA) | -0.9251% | 6,257 |
| Pretax return on assets | -0.9113% | 6,247 |
| Return on Equity (ROE) | -12.2710% | 6,269 |
| Retained earnings to average equity (ytd only) | -12.2710% | 6,210 |
| Net charge-offs to loans | 0.6004% | 393 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -3.1319% | 3,801 |
| Efficiency ratio | 125.4919% | 89 |
| Assets per employee ($millions) | 2.3277% | 6,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2091% | 91 |
| Loan loss allowance to noncurrent loans | 51.0196% | 4,964 |
| Noncurrent assets plus other real estate owned to assets | 4.6329% | 255 |
| Noncurrent loans to loans | 8.2500% | 79 |
| Net loans and leases to total assets | 49.9012% | 4,940 |
| Net loans and leases to deposits | 53.8897% | 5,260 |
| Net loans and leases to core deposits | 62.2207% | 4,932 |
| Total domestic deposits to total assets | 92.5988% | 74 |
| Equity capital to assets | 7.1727% | 6,167 |
| Core capital (leverage) ratio | 6.9247% | 6,199 |
| Tier 1 risk-based capital ratio | 14.3566% | 3,729 |
| Total risk-based capital ratio | 15.6516% | 3,613 |
| Memoranda: | ||
| Average total assets | $58,156,000 | 5,483 |
| Average earning assets | $48,567,670 | 5,594 |
| Average equity | $4,384,330 | 5,922 |
| Average total loans | $30,311,000 | 5,460 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3062% | 2,079 |
| Cost of funding earning assets | 0.1140% | 6,139 |
| Net interest margin | 4.1922% | 1,077 |
| Noninterest income to average assets | 0.3096% | 4,713 |
| Noninterest expense to average assets | 4.7611% | 354 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.9288% | 6,310 |
| Return on assets (ROA) | -0.7981% | 6,302 |
| Pretax return on assets | -0.7775% | 6,287 |
| Return on Equity (ROE) | -10.3352% | 6,322 |
| Retained earnings to average equity (ytd only) | -10.3352% | 6,145 |
| Net charge-offs to loans | 1.1482% | 199 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -1.5172% | 3,192 |
| Efficiency ratio | 123.5714% | 107 |
| Assets per employee ($millions) | 2.2137% | 6,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1989% | 108 |
| Loan loss allowance to noncurrent loans | 63.6499% | 4,617 |
| Noncurrent assets plus other real estate owned to assets | 4.1004% | 364 |
| Noncurrent loans to loans | 6.5969% | 150 |
| Net loans and leases to total assets | 50.7410% | 4,774 |
| Net loans and leases to deposits | 55.1664% | 5,109 |
| Net loans and leases to core deposits | 63.8674% | 4,708 |
| Total domestic deposits to total assets | 91.9781% | 148 |
| Equity capital to assets | 7.7439% | 6,115 |
| Core capital (leverage) ratio | 7.0762% | 6,229 |
| Tier 1 risk-based capital ratio | 12.6093% | 4,834 |
| Total risk-based capital ratio | 13.8836% | 4,740 |
| Memoranda: | ||
| Average total assets | $58,137,500 | 5,540 |
| Average earning assets | $49,139,000 | 5,632 |
| Average equity | $4,489,500 | 5,950 |
| Average total loans | $30,309,000 | 5,495 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4673% | 2,001 |
| Cost of funding earning assets | 0.1315% | 6,191 |
| Net interest margin | 4.3359% | 982 |
| Noninterest income to average assets | 1.2523% | 774 |
| Noninterest expense to average assets | 5.2422% | 269 |
| Loan and lease loss provision to assets | 0.4713% | 342 |
| Net operating income to assets | -0.8150% | 6,345 |
| Return on assets (ROA) | -0.7503% | 6,338 |
| Pretax return on assets | -0.7486% | 6,328 |
| Return on Equity (ROE) | -9.7783% | 6,362 |
| Retained earnings to average equity (ytd only) | -9.7783% | 6,311 |
| Net charge-offs to loans | 0.0694% | 3,484 |
| Credit loss provision to net charge-offs | 1,538.8889% | 190 |
| Earnings coverage of net charge-offs (x) | -11.1667% | 4,918 |
| Efficiency ratio | 106.9792% | 252 |
| Assets per employee ($millions) | 2.0248% | 6,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5364% | 92 |
| Loan loss allowance to noncurrent loans | 89.2298% | 3,979 |
| Noncurrent assets plus other real estate owned to assets | 3.2510% | 590 |
| Noncurrent loans to loans | 5.0840% | 282 |
| Net loans and leases to total assets | 48.9901% | 5,067 |
| Net loans and leases to deposits | 53.2426% | 5,388 |
| Net loans and leases to core deposits | 61.4404% | 5,044 |
| Total domestic deposits to total assets | 92.0129% | 145 |
| Equity capital to assets | 7.7010% | 6,176 |
| Core capital (leverage) ratio | 7.5653% | 6,184 |
| Tier 1 risk-based capital ratio | 13.1217% | 4,641 |
| Total risk-based capital ratio | 14.4051% | 4,545 |
| Memoranda: | ||
| Average total assets | $58,773,200 | 5,578 |
| Average earning assets | $49,447,800 | 5,691 |
| Average equity | $4,510,000 | 5,984 |
| Average total loans | $25,935,200 | 5,738 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4770% | 1,960 |
| Cost of funding earning assets | 0.1348% | 6,264 |
| Net interest margin | 4.3422% | 970 |
| Noninterest income to average assets | 1.2542% | 771 |
| Noninterest expense to average assets | 5.1666% | 273 |
| Loan and lease loss provision to assets | 0.4445% | 356 |
| Net operating income to assets | -0.7054% | 6,422 |
| Return on assets (ROA) | -0.7031% | 6,418 |
| Pretax return on assets | -0.7008% | 6,403 |
| Return on Equity (ROE) | -9.1706% | 6,430 |
| Retained earnings to average equity (ytd only) | -9.1706% | 6,360 |
| Net charge-offs to loans | 0.1232% | 2,579 |
| Credit loss provision to net charge-offs | 852.1739% | 372 |
| Earnings coverage of net charge-offs (x) | -4.9560% | 4,608 |
| Efficiency ratio | 105.2680% | 277 |
| Assets per employee ($millions) | 2.2584% | 6,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7754% | 94 |
| Loan loss allowance to noncurrent loans | 83.5724% | 4,082 |
| Noncurrent assets plus other real estate owned to assets | 3.5014% | 617 |
| Noncurrent loans to loans | 5.7141% | 261 |
| Net loans and leases to total assets | 43.5362% | 5,557 |
| Net loans and leases to deposits | 47.4207% | 5,799 |
| Net loans and leases to core deposits | 56.0688% | 5,443 |
| Total domestic deposits to total assets | 91.8084% | 179 |
| Equity capital to assets | 7.8901% | 6,183 |
| Core capital (leverage) ratio | 7.8085% | 6,167 |
| Tier 1 risk-based capital ratio | 14.9012% | 3,647 |
| Total risk-based capital ratio | 16.1823% | 3,558 |
| Memoranda: | ||
| Average total assets | $58,786,500 | 5,641 |
| Average earning assets | $49,466,500 | 5,755 |
| Average equity | $4,507,000 | 6,051 |
| Average total loans | $24,885,500 | 5,845 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4791% | 1,897 |
| Cost of funding earning assets | 0.1333% | 6,345 |
| Net interest margin | 4.3458% | 942 |
| Noninterest income to average assets | 0.8264% | 1,747 |
| Noninterest expense to average assets | 5.2509% | 265 |
| Loan and lease loss provision to assets | 0.5067% | 290 |
| Net operating income to assets | -1.2991% | 6,561 |
| Return on assets (ROA) | -1.2889% | 6,556 |
| Pretax return on assets | -1.2617% | 6,542 |
| Return on Equity (ROE) | -16.9765% | 6,566 |
| Retained earnings to average equity (ytd only) | -16.9765% | 6,518 |
| Net charge-offs to loans | -0.0413% | 5,789 |
| Credit loss provision to net charge-offs | -2,980.0000% | 5,862 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.0584% | 162 |
| Assets per employee ($millions) | 2.0668% | 6,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1668% | 81 |
| Loan loss allowance to noncurrent loans | 64.4865% | 4,673 |
| Noncurrent assets plus other real estate owned to assets | 4.3184% | 463 |
| Noncurrent loans to loans | 8.0123% | 128 |
| Net loans and leases to total assets | 40.0266% | 5,815 |
| Net loans and leases to deposits | 43.6371% | 6,004 |
| Net loans and leases to core deposits | 50.8864% | 5,741 |
| Total domestic deposits to total assets | 91.7261% | 212 |
| Equity capital to assets | 7.8781% | 6,223 |
| Core capital (leverage) ratio | 7.8360% | 6,191 |
| Tier 1 risk-based capital ratio | 14.6347% | 3,847 |
| Total risk-based capital ratio | 15.9164% | 3,783 |
| Memoranda: | ||
| Average total assets | $58,809,000 | 5,693 |
| Average earning assets | $49,518,670 | 5,800 |
| Average equity | $4,465,000 | 6,103 |
| Average total loans | $24,232,000 | 5,917 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6117% | 1,475 |
| Cost of funding earning assets | 0.1590% | 6,302 |
| Net interest margin | 4.4527% | 725 |
| Noninterest income to average assets | 0.7557% | 1,935 |
| Noninterest expense to average assets | 5.3847% | 257 |
| Loan and lease loss provision to assets | 0.8300% | 141 |
| Net operating income to assets | -1.6802% | 6,645 |
| Return on assets (ROA) | -1.6465% | 6,641 |
| Pretax return on assets | -1.6465% | 6,624 |
| Return on Equity (ROE) | -22.0914% | 6,636 |
| Retained earnings to average equity (ytd only) | -22.0914% | 6,552 |
| Net charge-offs to loans | -0.0663% | 5,940 |
| Credit loss provision to net charge-offs | -3,075.0000% | 5,549 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.7500% | 182 |
| Assets per employee ($millions) | 1.9015% | 6,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2807% | 79 |
| Loan loss allowance to noncurrent loans | 65.3277% | 4,657 |
| Noncurrent assets plus other real estate owned to assets | 4.2124% | 539 |
| Noncurrent loans to loans | 8.0834% | 158 |
| Net loans and leases to total assets | 37.6113% | 5,969 |
| Net loans and leases to deposits | 40.8039% | 6,144 |
| Net loans and leases to core deposits | 49.4292% | 5,799 |
| Total domestic deposits to total assets | 92.1758% | 212 |
| Equity capital to assets | 7.5104% | 6,310 |
| Core capital (leverage) ratio | 7.7534% | 6,242 |
| Tier 1 risk-based capital ratio | 14.9200% | 3,755 |
| Total risk-based capital ratio | 16.1698% | 3,709 |
| Memoranda: | ||
| Average total assets | $59,279,000 | 5,731 |
| Average earning assets | $50,307,000 | 5,828 |
| Average equity | $4,418,000 | 6,156 |
| Average total loans | $24,135,500 | 5,976 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8805% | 1,130 |
| Cost of funding earning assets | 0.1639% | 6,477 |
| Net interest margin | 4.7167% | 501 |
| Noninterest income to average assets | 0.8602% | 1,828 |
| Noninterest expense to average assets | 5.2169% | 297 |
| Loan and lease loss provision to assets | 1.0625% | 164 |
| Net operating income to assets | -1.4424% | 6,669 |
| Return on assets (ROA) | -1.1496% | 6,629 |
| Pretax return on assets | -1.1496% | 6,623 |
| Return on Equity (ROE) | -13.2356% | 6,620 |
| Retained earnings to average equity (ytd only) | -13.2356% | 6,589 |
| Net charge-offs to loans | 1.0258% | 557 |
| Credit loss provision to net charge-offs | 240.1487% | 953 |
| Earnings coverage of net charge-offs (x) | -0.8587% | 5,247 |
| Efficiency ratio | 107.8545% | 308 |
| Assets per employee ($millions) | 1.8629% | 6,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4561% | 142 |
| Loan loss allowance to noncurrent loans | 67.0702% | 4,584 |
| Noncurrent assets plus other real estate owned to assets | 4.0880% | 640 |
| Noncurrent loans to loans | 6.6439% | 269 |
| Net loans and leases to total assets | 39.8520% | 5,979 |
| Net loans and leases to deposits | 43.1694% | 6,163 |
| Net loans and leases to core deposits | 52.1650% | 5,787 |
| Total domestic deposits to total assets | 92.3154% | 232 |
| Equity capital to assets | 7.3960% | 6,331 |
| Core capital (leverage) ratio | 8.1883% | 5,987 |
| Tier 1 risk-based capital ratio | 14.4624% | 3,978 |
| Total risk-based capital ratio | 15.7403% | 3,898 |
| Memoranda: | ||
| Average total assets | $60,802,800 | 5,736 |
| Average earning assets | $51,264,800 | 5,853 |
| Average equity | $5,281,200 | 5,996 |
| Average total loans | $26,224,000 | 5,929 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9105% | 1,106 |
| Cost of funding earning assets | 0.1686% | 6,561 |
| Net interest margin | 4.7419% | 484 |
| Noninterest income to average assets | 0.9689% | 1,545 |
| Noninterest expense to average assets | 5.0255% | 330 |
| Loan and lease loss provision to assets | 0.5325% | 503 |
| Net operating income to assets | -0.6001% | 6,626 |
| Return on assets (ROA) | -0.2509% | 6,508 |
| Pretax return on assets | -0.2509% | 6,491 |
| Return on Equity (ROE) | -2.7882% | 6,510 |
| Retained earnings to average equity (ytd only) | -2.7882% | 6,337 |
| Net charge-offs to loans | 0.8583% | 681 |
| Credit loss provision to net charge-offs | 142.6901% | 1,649 |
| Earnings coverage of net charge-offs (x) | -0.1813% | 4,910 |
| Efficiency ratio | 101.3644% | 420 |
| Assets per employee ($millions) | 1.8577% | 6,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1465% | 475 |
| Loan loss allowance to noncurrent loans | 51.9380% | 5,146 |
| Noncurrent assets plus other real estate owned to assets | 3.8320% | 846 |
| Noncurrent loans to loans | 6.0582% | 419 |
| Net loans and leases to total assets | 41.6304% | 5,923 |
| Net loans and leases to deposits | 46.0488% | 6,095 |
| Net loans and leases to core deposits | 54.9187% | 5,702 |
| Total domestic deposits to total assets | 90.4049% | 785 |
| Equity capital to assets | 8.8129% | 5,404 |
| Core capital (leverage) ratio | 9.1187% | 4,943 |
| Tier 1 risk-based capital ratio | 14.1508% | 4,320 |
| Total risk-based capital ratio | 15.4043% | 4,267 |
| Memoranda: | ||
| Average total assets | $61,100,250 | 5,792 |
| Average earning assets | $51,399,000 | 5,915 |
| Average equity | $5,499,250 | 6,005 |
| Average total loans | $26,563,750 | 5,967 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9181% | 1,053 |
| Cost of funding earning assets | 0.1722% | 6,613 |
| Net interest margin | 4.7459% | 467 |
| Noninterest income to average assets | 0.8954% | 1,824 |
| Noninterest expense to average assets | 4.8012% | 416 |
| Loan and lease loss provision to assets | 0.6618% | 366 |
| Net operating income to assets | -0.5710% | 6,660 |
| Return on assets (ROA) | -0.5710% | 6,671 |
| Pretax return on assets | -0.5450% | 6,647 |
| Return on Equity (ROE) | -6.3015% | 6,668 |
| Retained earnings to average equity (ytd only) | -6.3015% | 6,533 |
| Net charge-offs to loans | 1.2490% | 456 |
| Credit loss provision to net charge-offs | 121.4286% | 1,840 |
| Earnings coverage of net charge-offs (x) | 0.2143% | 4,477 |
| Efficiency ratio | 97.6253% | 587 |
| Assets per employee ($millions) | 2.0069% | 6,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9158% | 636 |
| Loan loss allowance to noncurrent loans | 100.9211% | 3,431 |
| Noncurrent assets plus other real estate owned to assets | 2.6674% | 1,565 |
| Noncurrent loans to loans | 2.8892% | 1,559 |
| Net loans and leases to total assets | 39.7658% | 6,062 |
| Net loans and leases to deposits | 43.2847% | 6,269 |
| Net loans and leases to core deposits | 50.7633% | 5,979 |
| Total domestic deposits to total assets | 91.8703% | 270 |
| Equity capital to assets | 7.7841% | 6,321 |
| Core capital (leverage) ratio | 8.6890% | 5,439 |
| Tier 1 risk-based capital ratio | 13.2580% | 4,952 |
| Total risk-based capital ratio | 14.5198% | 4,884 |
| Memoranda: | ||
| Average total assets | $61,651,330 | 5,814 |
| Average earning assets | $52,256,000 | 5,930 |
| Average equity | $5,586,000 | 6,024 |
| Average total loans | $26,901,000 | 5,983 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8675% | 1,162 |
| Cost of funding earning assets | 0.1848% | 6,649 |
| Net interest margin | 4.6826% | 487 |
| Noninterest income to average assets | 0.8018% | 2,115 |
| Noninterest expense to average assets | 5.0492% | 354 |
| Loan and lease loss provision to assets | 0.9343% | 204 |
| Net operating income to assets | -1.1530% | 6,842 |
| Return on assets (ROA) | -1.1530% | 6,848 |
| Pretax return on assets | -1.1530% | 6,833 |
| Return on Equity (ROE) | -11.8377% | 6,834 |
| Retained earnings to average equity (ytd only) | -11.8377% | 6,678 |
| Net charge-offs to loans | 2.5442% | 159 |
| Credit loss provision to net charge-offs | 81.5029% | 2,144 |
| Earnings coverage of net charge-offs (x) | -0.1908% | 3,870 |
| Efficiency ratio | 104.5267% | 430 |
| Assets per employee ($millions) | 2.2082% | 6,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6237% | 990 |
| Loan loss allowance to noncurrent loans | 61.4776% | 4,656 |
| Noncurrent assets plus other real estate owned to assets | 3.4077% | 1,270 |
| Noncurrent loans to loans | 4.2677% | 1,012 |
| Net loans and leases to total assets | 41.9586% | 5,845 |
| Net loans and leases to deposits | 46.7568% | 6,007 |
| Net loans and leases to core deposits | 55.4622% | 5,563 |
| Total domestic deposits to total assets | 89.7380% | 1,197 |
| Equity capital to assets | 9.3223% | 5,104 |
| Core capital (leverage) ratio | 9.0834% | 4,742 |
| Tier 1 risk-based capital ratio | 13.9196% | 4,567 |
| Total risk-based capital ratio | 15.1985% | 4,504 |
| Memoranda: | ||
| Average total assets | $60,366,500 | 5,899 |
| Average earning assets | $51,936,500 | 5,989 |
| Average equity | $5,879,500 | 6,016 |
| Average total loans | $27,199,000 | 6,017 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9350% | 1,731 |
| Cost of funding earning assets | 0.3211% | 6,351 |
| Net interest margin | 4.6139% | 764 |
| Noninterest income to average assets | 1.4291% | 769 |
| Noninterest expense to average assets | 5.2463% | 319 |
| Loan and lease loss provision to assets | 0.3686% | 1,780 |
| Net operating income to assets | -0.1390% | 6,325 |
| Return on assets (ROA) | 0.2421% | 5,858 |
| Pretax return on assets | 0.1000% | 6,161 |
| Return on Equity (ROE) | 2.7794% | 5,641 |
| Retained earnings to average equity (ytd only) | 2.7794% | 4,287 |
| Net charge-offs to loans | 0.1058% | 4,607 |
| Credit loss provision to net charge-offs | 761.2903% | 320 |
| Earnings coverage of net charge-offs (x) | 1.8065% | 4,528 |
| Efficiency ratio | 98.3602% | 613 |
| Assets per employee ($millions) | 2.1037% | 6,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6337% | 988 |
| Loan loss allowance to noncurrent loans | 48.6037% | 5,200 |
| Noncurrent assets plus other real estate owned to assets | 3.8996% | 1,117 |
| Noncurrent loans to loans | 5.4186% | 689 |
| Net loans and leases to total assets | 45.8805% | 5,628 |
| Net loans and leases to deposits | 51.5390% | 5,840 |
| Net loans and leases to core deposits | 61.8181% | 5,173 |
| Total domestic deposits to total assets | 89.0209% | 1,553 |
| Equity capital to assets | 10.1777% | 3,915 |
| Core capital (leverage) ratio | 9.2862% | 4,440 |
| Tier 1 risk-based capital ratio | 14.6100% | 3,957 |
| Total risk-based capital ratio | 15.8450% | 3,920 |
| Memoranda: | ||
| Average total assets | $64,026,000 | 5,815 |
| Average earning assets | $54,184,000 | 5,924 |
| Average equity | $5,576,800 | 6,126 |
| Average total loans | $29,312,600 | 5,983 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8385% | 2,249 |
| Cost of funding earning assets | 0.3651% | 6,300 |
| Net interest margin | 4.4734% | 1,038 |
| Noninterest income to average assets | 0.8024% | 2,229 |
| Noninterest expense to average assets | 5.0346% | 357 |
| Loan and lease loss provision to assets | 0.4063% | 1,576 |
| Net operating income to assets | -0.8615% | 6,821 |
| Return on assets (ROA) | -0.4594% | 6,718 |
| Pretax return on assets | -0.4594% | 6,688 |
| Return on Equity (ROE) | -5.4820% | 6,733 |
| Retained earnings to average equity (ytd only) | -5.4820% | 6,642 |
| Net charge-offs to loans | 0.0494% | 4,962 |
| Credit loss provision to net charge-offs | 1,809.0909% | 146 |
| Earnings coverage of net charge-offs (x) | -20.2679% | 5,752 |
| Efficiency ratio | 109.9420% | 310 |
| Assets per employee ($millions) | 2.2587% | 6,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4543% | 1,264 |
| Loan loss allowance to noncurrent loans | 93.4641% | 3,434 |
| Noncurrent assets plus other real estate owned to assets | 2.2405% | 2,380 |
| Noncurrent loans to loans | 2.6260% | 2,163 |
| Net loans and leases to total assets | 44.9323% | 5,881 |
| Net loans and leases to deposits | 49.6367% | 6,138 |
| Net loans and leases to core deposits | 59.6407% | 5,597 |
| Total domestic deposits to total assets | 90.5224% | 593 |
| Equity capital to assets | 8.9906% | 5,836 |
| Core capital (leverage) ratio | 8.3161% | 5,983 |
| Tier 1 risk-based capital ratio | 13.4758% | 4,890 |
| Total risk-based capital ratio | 14.7444% | 4,836 |
| Memoranda: | ||
| Average total assets | $65,306,750 | 5,837 |
| Average earning assets | $55,140,000 | 5,959 |
| Average equity | $5,472,250 | 6,225 |
| Average total loans | $29,701,750 | 6,041 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1046% | 1,492 |
| Cost of funding earning assets | 0.3976% | 6,276 |
| Net interest margin | 4.7070% | 665 |
| Noninterest income to average assets | 0.7031% | 2,653 |
| Noninterest expense to average assets | 7.4158% | 132 |
| Loan and lease loss provision to assets | 0.4940% | 1,288 |
| Net operating income to assets | -3.1882% | 7,161 |
| Return on assets (ROA) | -3.0336% | 7,162 |
| Pretax return on assets | -3.0336% | 7,151 |
| Return on Equity (ROE) | -37.0672% | 7,138 |
| Retained earnings to average equity (ytd only) | -37.0672% | 7,131 |
| Net charge-offs to loans | 0.0134% | 5,256 |
| Credit loss provision to net charge-offs | 8,150.0000% | 35 |
| Earnings coverage of net charge-offs (x) | -444.5000% | 5,504 |
| Efficiency ratio | 157.0603% | 90 |
| Assets per employee ($millions) | 2.3168% | 6,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2976% | 1,597 |
| Loan loss allowance to noncurrent loans | 42.5914% | 5,524 |
| Noncurrent assets plus other real estate owned to assets | 3.4176% | 1,568 |
| Noncurrent loans to loans | 5.3945% | 868 |
| Net loans and leases to total assets | 45.0340% | 5,924 |
| Net loans and leases to deposits | 48.8561% | 6,259 |
| Net loans and leases to core deposits | 61.3095% | 5,457 |
| Total domestic deposits to total assets | 92.1768% | 201 |
| Equity capital to assets | 7.3885% | 6,823 |
| Core capital (leverage) ratio | 6.7927% | 6,869 |
| Tier 1 risk-based capital ratio | 11.0102% | 6,490 |
| Total risk-based capital ratio | 12.2847% | 6,454 |
| Memoranda: | ||
| Average total assets | $65,994,330 | 5,848 |
| Average earning assets | $56,341,670 | 5,959 |
| Average equity | $5,401,000 | 6,265 |
| Average total loans | $29,891,670 | 6,070 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2786% | 1,143 |
| Cost of funding earning assets | 0.3957% | 6,429 |
| Net interest margin | 4.8829% | 484 |
| Noninterest income to average assets | 0.5048% | 3,879 |
| Noninterest expense to average assets | 4.6337% | 487 |
| Loan and lease loss provision to assets | 0.2224% | 2,724 |
| Net operating income to assets | -0.1983% | 6,636 |
| Return on assets (ROA) | -0.2704% | 6,728 |
| Pretax return on assets | -0.2704% | 6,710 |
| Return on Equity (ROE) | -3.1551% | 6,766 |
| Retained earnings to average equity (ytd only) | -3.1551% | 6,419 |
| Net charge-offs to loans | 0.0402% | 4,137 |
| Credit loss provision to net charge-offs | 1,233.3333% | 287 |
| Earnings coverage of net charge-offs (x) | 1.3333% | 3,664 |
| Efficiency ratio | 99.4839% | 570 |
| Assets per employee ($millions) | 2.3466% | 6,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8637% | 2,793 |
| Loan loss allowance to noncurrent loans | 35.3312% | 5,892 |
| Noncurrent assets plus other real estate owned to assets | 3.4445% | 1,671 |
| Noncurrent loans to loans | 5.2751% | 1,036 |
| Net loans and leases to total assets | 43.3314% | 6,067 |
| Net loans and leases to deposits | 47.5168% | 6,320 |
| Net loans and leases to core deposits | 59.1384% | 5,615 |
| Total domestic deposits to total assets | 91.1918% | 481 |
| Equity capital to assets | 8.3806% | 6,195 |
| Core capital (leverage) ratio | 8.1913% | 6,037 |
| Tier 1 risk-based capital ratio | 13.8060% | 4,605 |
| Total risk-based capital ratio | 15.0584% | 4,582 |
| Memoranda: | ||
| Average total assets | $66,556,000 | 5,867 |
| Average earning assets | $56,605,500 | 5,992 |
| Average equity | $5,705,000 | 6,224 |
| Average total loans | $29,887,000 | 6,116 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3094% | 1,671 |
| Cost of funding earning assets | 0.5634% | 6,274 |
| Net interest margin | 4.7460% | 692 |
| Noninterest income to average assets | 1.0148% | 1,327 |
| Noninterest expense to average assets | 5.2702% | 306 |
| Loan and lease loss provision to assets | 0.5257% | 1,990 |
| Net operating income to assets | -0.9161% | 6,706 |
| Return on assets (ROA) | 0.0790% | 6,022 |
| Pretax return on assets | 0.0790% | 6,002 |
| Return on Equity (ROE) | 0.9190% | 5,981 |
| Retained earnings to average equity (ytd only) | 0.9190% | 5,432 |
| Net charge-offs to loans | 0.9852% | 1,759 |
| Credit loss provision to net charge-offs | 117.6871% | 2,733 |
| Earnings coverage of net charge-offs (x) | -0.8741% | 6,167 |
| Efficiency ratio | 108.0012% | 476 |
| Assets per employee ($millions) | 2.2435% | 7,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7728% | 2,957 |
| Loan loss allowance to noncurrent loans | 32.1146% | 6,066 |
| Noncurrent assets plus other real estate owned to assets | 4.1007% | 1,396 |
| Noncurrent loans to loans | 5.5202% | 954 |
| Net loans and leases to total assets | 44.8803% | 6,125 |
| Net loans and leases to deposits | 49.4823% | 6,399 |
| Net loans and leases to core deposits | 62.2800% | 5,626 |
| Total domestic deposits to total assets | 90.6996% | 629 |
| Equity capital to assets | 8.7716% | 5,830 |
| Core capital (leverage) ratio | 8.4023% | 5,710 |
| Tier 1 risk-based capital ratio | 14.5779% | 3,916 |
| Total risk-based capital ratio | 15.8530% | 3,882 |
| Memoranda: | ||
| Average total assets | $65,823,200 | 5,871 |
| Average earning assets | $53,603,000 | 6,059 |
| Average equity | $5,658,200 | 6,246 |
| Average total loans | $29,841,200 | 6,166 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3757% | 1,587 |
| Cost of funding earning assets | 0.5923% | 6,314 |
| Net interest margin | 4.7834% | 645 |
| Noninterest income to average assets | 0.8947% | 1,672 |
| Noninterest expense to average assets | 4.7262% | 472 |
| Loan and lease loss provision to assets | 0.4908% | 2,023 |
| Net operating income to assets | -0.4565% | 6,616 |
| Return on assets (ROA) | 0.5473% | 4,517 |
| Pretax return on assets | 0.5473% | 4,986 |
| Return on Equity (ROE) | 6.3996% | 3,823 |
| Retained earnings to average equity (ytd only) | 6.3996% | 2,297 |
| Net charge-offs to loans | 0.9017% | 1,774 |
| Credit loss provision to net charge-offs | 120.2970% | 2,701 |
| Earnings coverage of net charge-offs (x) | 0.0842% | 5,543 |
| Efficiency ratio | 99.2787% | 681 |
| Assets per employee ($millions) | 2.1930% | 7,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7356% | 3,150 |
| Loan loss allowance to noncurrent loans | 33.7917% | 6,037 |
| Noncurrent assets plus other real estate owned to assets | 4.6100% | 1,292 |
| Noncurrent loans to loans | 5.1361% | 1,191 |
| Net loans and leases to total assets | 42.9740% | 6,433 |
| Net loans and leases to deposits | 47.5249% | 6,650 |
| Net loans and leases to core deposits | 59.4030% | 6,033 |
| Total domestic deposits to total assets | 90.4241% | 668 |
| Equity capital to assets | 8.7963% | 5,983 |
| Core capital (leverage) ratio | 8.7052% | 5,401 |
| Tier 1 risk-based capital ratio | 15.9900% | 3,128 |
| Total risk-based capital ratio | 17.0937% | 3,156 |
| Memoranda: | ||
| Average total assets | $66,013,500 | 5,909 |
| Average earning assets | $53,349,750 | 6,117 |
| Average equity | $5,646,000 | 6,292 |
| Average total loans | $29,869,750 | 6,226 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2569% | 2,040 |
| Cost of funding earning assets | 0.6200% | 6,365 |
| Net interest margin | 4.6369% | 845 |
| Noninterest income to average assets | 0.8599% | 1,773 |
| Noninterest expense to average assets | 4.6912% | 491 |
| Loan and lease loss provision to assets | 0.1683% | 4,251 |
| Net operating income to assets | -0.1168% | 6,369 |
| Return on assets (ROA) | 0.1377% | 6,009 |
| Pretax return on assets | 0.2081% | 5,914 |
| Return on Equity (ROE) | 1.6261% | 5,907 |
| Retained earnings to average equity (ytd only) | 1.6261% | 5,181 |
| Net charge-offs to loans | 0.2875% | 3,438 |
| Credit loss provision to net charge-offs | 127.9070% | 2,391 |
| Earnings coverage of net charge-offs (x) | -0.0698% | 5,320 |
| Efficiency ratio | 100.1961% | 713 |
| Assets per employee ($millions) | 2.1723% | 7,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6655% | 3,435 |
| Loan loss allowance to noncurrent loans | 27.4831% | 6,407 |
| Noncurrent assets plus other real estate owned to assets | 4.3138% | 1,474 |
| Noncurrent loans to loans | 6.0600% | 974 |
| Net loans and leases to total assets | 42.6985% | 6,542 |
| Net loans and leases to deposits | 47.3488% | 6,761 |
| Net loans and leases to core deposits | 59.6395% | 6,120 |
| Total domestic deposits to total assets | 90.1785% | 878 |
| Equity capital to assets | 8.5044% | 6,177 |
| Core capital (leverage) ratio | 8.4220% | 5,674 |
| Tier 1 risk-based capital ratio | 14.6155% | 3,719 |
| Total risk-based capital ratio | 15.8900% | 3,666 |
| Memoranda: | ||
| Average total assets | $65,357,000 | 5,977 |
| Average earning assets | $53,872,330 | 6,150 |
| Average equity | $5,534,670 | 6,358 |
| Average total loans | $29,916,000 | 6,280 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4355% | 1,462 |
| Cost of funding earning assets | 0.7126% | 6,063 |
| Net interest margin | 4.7229% | 671 |
| Noninterest income to average assets | 0.8949% | 1,678 |
| Noninterest expense to average assets | 4.5864% | 544 |
| Loan and lease loss provision to assets | 0.1740% | 3,885 |
| Net operating income to assets | 0.0062% | 6,336 |
| Return on assets (ROA) | 0.0062% | 6,370 |
| Pretax return on assets | 0.0062% | 6,344 |
| Return on Equity (ROE) | 0.0735% | 6,368 |
| Retained earnings to average equity (ytd only) | 0.0735% | 5,763 |
| Net charge-offs to loans | 0.5818% | 2,034 |
| Credit loss provision to net charge-offs | 63.6364% | 3,474 |
| Earnings coverage of net charge-offs (x) | 0.6591% | 4,133 |
| Efficiency ratio | 96.2190% | 908 |
| Assets per employee ($millions) | 2.1514% | 7,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5384% | 4,014 |
| Loan loss allowance to noncurrent loans | 54.5888% | 4,725 |
| Noncurrent assets plus other real estate owned to assets | 3.6488% | 1,859 |
| Noncurrent loans to loans | 2.8181% | 2,678 |
| Net loans and leases to total assets | 45.4192% | 6,342 |
| Net loans and leases to deposits | 49.9778% | 6,625 |
| Net loans and leases to core deposits | 61.2213% | 5,998 |
| Total domestic deposits to total assets | 90.8787% | 687 |
| Equity capital to assets | 8.4830% | 5,935 |
| Core capital (leverage) ratio | 8.2453% | 5,911 |
| Tier 1 risk-based capital ratio | 15.0319% | 3,407 |
| Total risk-based capital ratio | 16.2850% | 3,366 |
| Memoranda: | ||
| Average total assets | $64,364,500 | 6,054 |
| Average earning assets | $52,764,500 | 6,247 |
| Average equity | $5,438,500 | 6,405 |
| Average total loans | $30,253,500 | 6,324 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3383% | 2,943 |
| Cost of funding earning assets | 0.7839% | 6,632 |
| Net interest margin | 4.5544% | 1,125 |
| Noninterest income to average assets | 0.9104% | 1,815 |
| Noninterest expense to average assets | 4.2787% | 832 |
| Loan and lease loss provision to assets | 0.6240% | 2,642 |
| Net operating income to assets | -0.1057% | 5,999 |
| Return on assets (ROA) | 0.3612% | 4,864 |
| Pretax return on assets | 0.2966% | 5,240 |
| Return on Equity (ROE) | 4.3598% | 4,364 |
| Retained earnings to average equity (ytd only) | 4.1826% | 2,913 |
| Net charge-offs to loans | 1.1737% | 1,897 |
| Credit loss provision to net charge-offs | 119.3820% | 3,552 |
| Earnings coverage of net charge-offs (x) | 0.8680% | 5,263 |
| Efficiency ratio | 90.4127% | 1,292 |
| Assets per employee ($millions) | 2.1396% | 7,341 |
| Cash dividends to net income (ytd only)* | 4.0650% | 3,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5422% | 3,813 |
| Loan loss allowance to noncurrent loans | 34.8273% | 5,996 |
| Noncurrent assets plus other real estate owned to assets | 3.6518% | 1,887 |
| Noncurrent loans to loans | 4.4282% | 1,612 |
| Net loans and leases to total assets | 47.1443% | 6,467 |
| Net loans and leases to deposits | 51.8177% | 6,757 |
| Net loans and leases to core deposits | 70.9603% | 5,337 |
| Total domestic deposits to total assets | 90.9812% | 606 |
| Equity capital to assets | 8.4159% | 5,973 |
| Core capital (leverage) ratio | 8.0511% | 6,118 |
| Tier 1 risk-based capital ratio | 14.9570% | 3,275 |
| Total risk-based capital ratio | 16.2072% | 3,225 |
| Memoranda: | ||
| Average total assets | $68,104,200 | 5,933 |
| Average earning assets | $57,153,200 | 6,093 |
| Average equity | $5,642,400 | 6,472 |
| Average total loans | $30,332,200 | 6,377 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4875% | 2,480 |
| Cost of funding earning assets | 0.7990% | 6,768 |
| Net interest margin | 4.6885% | 865 |
| Noninterest income to average assets | 0.9129% | 1,750 |
| Noninterest expense to average assets | 4.1688% | 862 |
| Loan and lease loss provision to assets | 0.7662% | 1,998 |
| Net operating income to assets | -0.0695% | 6,145 |
| Return on assets (ROA) | 0.5288% | 4,362 |
| Pretax return on assets | 0.5288% | 4,824 |
| Return on Equity (ROE) | 6.4063% | 3,621 |
| Retained earnings to average equity (ytd only) | 6.1726% | 2,275 |
| Net charge-offs to loans | 1.5127% | 1,326 |
| Credit loss provision to net charge-offs | 115.7434% | 3,605 |
| Earnings coverage of net charge-offs (x) | 1.0525% | 5,004 |
| Efficiency ratio | 85.6803% | 1,665 |
| Assets per employee ($millions) | 2.1468% | 7,429 |
| Cash dividends to net income (ytd only)* | 3.6489% | 3,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5443% | 3,754 |
| Loan loss allowance to noncurrent loans | 71.8069% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 2.3742% | 3,001 |
| Noncurrent loans to loans | 2.1507% | 3,509 |
| Net loans and leases to total assets | 42.7814% | 6,920 |
| Net loans and leases to deposits | 47.0308% | 7,129 |
| Net loans and leases to core deposits | 59.6618% | 6,634 |
| Total domestic deposits to total assets | 90.9648% | 463 |
| Equity capital to assets | 8.2506% | 6,561 |
| Core capital (leverage) ratio | 8.0455% | 6,282 |
| Tier 1 risk-based capital ratio | 15.0865% | 3,210 |
| Total risk-based capital ratio | 16.3490% | 3,186 |
| Memoranda: | ||
| Average total assets | $69,083,250 | 5,969 |
| Average earning assets | $58,240,500 | 6,120 |
| Average equity | $5,702,500 | 6,539 |
| Average total loans | $30,231,500 | 6,467 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7053% | 1,738 |
| Cost of funding earning assets | 0.8097% | 6,875 |
| Net interest margin | 4.8955% | 543 |
| Noninterest income to average assets | 0.9305% | 1,581 |
| Noninterest expense to average assets | 4.2421% | 769 |
| Loan and lease loss provision to assets | 0.2312% | 4,603 |
| Net operating income to assets | 0.4103% | 4,708 |
| Return on assets (ROA) | 0.4103% | 4,868 |
| Pretax return on assets | 0.6502% | 4,398 |
| Return on Equity (ROE) | 4.9702% | 4,299 |
| Retained earnings to average equity (ytd only) | 4.6202% | 3,129 |
| Net charge-offs to loans | 0.1713% | 4,589 |
| Credit loss provision to net charge-offs | 307.6923% | 1,192 |
| Earnings coverage of net charge-offs (x) | 11.7308% | 1,737 |
| Efficiency ratio | 82.7975% | 2,066 |
| Assets per employee ($millions) | 2.0485% | 7,554 |
| Cash dividends to net income (ytd only)* | 7.0423% | 3,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5350% | 3,741 |
| Loan loss allowance to noncurrent loans | 74.2351% | 3,639 |
| Noncurrent assets plus other real estate owned to assets | 2.3816% | 3,026 |
| Noncurrent loans to loans | 2.0678% | 3,634 |
| Net loans and leases to total assets | 43.7428% | 6,942 |
| Net loans and leases to deposits | 48.3352% | 7,152 |
| Net loans and leases to core deposits | 61.9573% | 6,553 |
| Total domestic deposits to total assets | 90.4988% | 684 |
| Equity capital to assets | 8.4287% | 6,256 |
| Core capital (leverage) ratio | 7.8466% | 6,442 |
| Tier 1 risk-based capital ratio | 14.8932% | 3,211 |
| Total risk-based capital ratio | 16.1703% | 3,165 |
| Memoranda: | ||
| Average total assets | $69,211,670 | 6,000 |
| Average earning assets | $59,278,330 | 6,129 |
| Average equity | $5,714,000 | 6,558 |
| Average total loans | $30,358,330 | 6,510 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7167% | 1,715 |
| Cost of funding earning assets | 0.8509% | 6,936 |
| Net interest margin | 4.8658% | 565 |
| Noninterest income to average assets | 1.0226% | 1,226 |
| Noninterest expense to average assets | 4.0219% | 996 |
| Loan and lease loss provision to assets | 0.3028% | 3,616 |
| Net operating income to assets | 0.5313% | 4,225 |
| Return on assets (ROA) | 0.5313% | 4,363 |
| Pretax return on assets | 0.8798% | 3,540 |
| Return on Equity (ROE) | 6.5012% | 3,619 |
| Retained earnings to average equity (ytd only) | 6.5012% | 2,362 |
| Net charge-offs to loans | 0.1311% | 4,172 |
| Credit loss provision to net charge-offs | 530.0000% | 799 |
| Earnings coverage of net charge-offs (x) | 20.7000% | 1,149 |
| Efficiency ratio | 77.2777% | 3,020 |
| Assets per employee ($millions) | 2.3308% | 7,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4615% | 4,123 |
| Loan loss allowance to noncurrent loans | 45.6765% | 5,307 |
| Noncurrent assets plus other real estate owned to assets | 2.6214% | 2,780 |
| Noncurrent loans to loans | 3.1997% | 2,495 |
| Net loans and leases to total assets | 43.2935% | 7,045 |
| Net loans and leases to deposits | 47.4789% | 7,256 |
| Net loans and leases to core deposits | 60.7550% | 6,689 |
| Total domestic deposits to total assets | 91.1848% | 472 |
| Equity capital to assets | 7.8584% | 6,801 |
| Core capital (leverage) ratio | 7.8118% | 6,483 |
| Tier 1 risk-based capital ratio | 14.4795% | 3,388 |
| Total risk-based capital ratio | 15.6977% | 3,378 |
| Memoranda: | ||
| Average total assets | $70,016,500 | 6,044 |
| Average earning assets | $60,174,500 | 6,162 |
| Average equity | $5,722,000 | 6,609 |
| Average total loans | $30,521,500 | 6,583 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4696% | 4,330 |
| Cost of funding earning assets | 1.3711% | 6,051 |
| Net interest margin | 4.0986% | 2,453 |
| Noninterest income to average assets | 1.2113% | 1,049 |
| Noninterest expense to average assets | 4.2249% | 1,060 |
| Loan and lease loss provision to assets | 0.2267% | 5,555 |
| Net operating income to assets | 0.3212% | 4,447 |
| Return on assets (ROA) | 0.3212% | 4,532 |
| Pretax return on assets | 0.2726% | 4,839 |
| Return on Equity (ROE) | 3.9482% | 4,110 |
| Retained earnings to average equity (ytd only) | 3.7773% | 2,552 |
| Net charge-offs to loans | 0.2947% | 4,786 |
| Credit loss provision to net charge-offs | 185.2273% | 2,199 |
| Earnings coverage of net charge-offs (x) | 4.0795% | 3,075 |
| Efficiency ratio | 89.4319% | 1,754 |
| Assets per employee ($millions) | 2.2615% | 7,515 |
| Cash dividends to net income (ytd only)* | 4.3290% | 3,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3390% | 4,540 |
| Loan loss allowance to noncurrent loans | 50.6234% | 4,992 |
| Noncurrent assets plus other real estate owned to assets | 2.3464% | 2,955 |
| Noncurrent loans to loans | 2.6450% | 2,904 |
| Net loans and leases to total assets | 42.6699% | 7,211 |
| Net loans and leases to deposits | 47.0317% | 7,395 |
| Net loans and leases to core deposits | 62.1184% | 7,186 |
| Total domestic deposits to total assets | 90.7257% | 653 |
| Equity capital to assets | 8.4855% | 5,903 |
| Core capital (leverage) ratio | 8.7747% | 4,800 |
| Tier 1 risk-based capital ratio | 15.8838% | 2,574 |
| Total risk-based capital ratio | 16.9932% | 2,563 |
| Memoranda: | ||
| Average total assets | $71,907,200 | 5,945 |
| Average earning assets | $61,631,200 | 6,069 |
| Average equity | $5,850,800 | 6,650 |
| Average total loans | $29,857,800 | 6,630 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5204% | 4,318 |
| Cost of funding earning assets | 1.4603% | 5,997 |
| Net interest margin | 4.0601% | 2,548 |
| Noninterest income to average assets | 1.1756% | 1,130 |
| Noninterest expense to average assets | 4.1294% | 1,104 |
| Loan and lease loss provision to assets | 0.2580% | 4,892 |
| Net operating income to assets | 0.2617% | 4,944 |
| Return on assets (ROA) | 0.2617% | 5,038 |
| Pretax return on assets | 0.2617% | 5,165 |
| Return on Equity (ROE) | 3.2496% | 4,680 |
| Retained earnings to average equity (ytd only) | 3.2496% | 3,495 |
| Net charge-offs to loans | 0.2197% | 4,662 |
| Credit loss provision to net charge-offs | 285.7143% | 1,466 |
| Earnings coverage of net charge-offs (x) | 5.7552% | 2,744 |
| Efficiency ratio | 88.8228% | 1,790 |
| Assets per employee ($millions) | 2.1880% | 7,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4620% | 3,634 |
| Loan loss allowance to noncurrent loans | 36.6980% | 5,951 |
| Noncurrent assets plus other real estate owned to assets | 2.9815% | 2,322 |
| Noncurrent loans to loans | 3.9838% | 1,847 |
| Net loans and leases to total assets | 44.0516% | 7,243 |
| Net loans and leases to deposits | 49.1869% | 7,449 |
| Net loans and leases to core deposits | 70.6277% | 6,929 |
| Total domestic deposits to total assets | 89.5596% | 940 |
| Equity capital to assets | 9.3176% | 5,007 |
| Core capital (leverage) ratio | 8.3440% | 5,762 |
| Tier 1 risk-based capital ratio | 16.1854% | 2,562 |
| Total risk-based capital ratio | 17.3987% | 2,513 |
| Memoranda: | ||
| Average total assets | $72,357,000 | 5,971 |
| Average earning assets | $61,902,000 | 6,111 |
| Average equity | $5,826,250 | 6,725 |
| Average total loans | $29,742,000 | 6,695 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4089% | 5,104 |
| Cost of funding earning assets | 1.4994% | 6,143 |
| Net interest margin | 3.9096% | 3,065 |
| Noninterest income to average assets | 1.1716% | 1,140 |
| Noninterest expense to average assets | 3.7562% | 1,732 |
| Loan and lease loss provision to assets | 0.3378% | 3,915 |
| Net operating income to assets | 0.1957% | 5,279 |
| Return on assets (ROA) | 0.1957% | 5,357 |
| Pretax return on assets | 0.4263% | 4,855 |
| Return on Equity (ROE) | 2.5481% | 5,081 |
| Retained earnings to average equity (ytd only) | 2.5481% | 3,911 |
| Net charge-offs to loans | 0.2343% | 4,032 |
| Credit loss provision to net charge-offs | 360.0000% | 1,287 |
| Earnings coverage of net charge-offs (x) | 8.1429% | 2,307 |
| Efficiency ratio | 83.0961% | 2,593 |
| Assets per employee ($millions) | 2.5172% | 7,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4150% | 3,649 |
| Loan loss allowance to noncurrent loans | 21.8314% | 7,027 |
| Noncurrent assets plus other real estate owned to assets | 2.8683% | 2,236 |
| Noncurrent loans to loans | 6.4816% | 819 |
| Net loans and leases to total assets | 38.9340% | 7,599 |
| Net loans and leases to deposits | 42.4864% | 7,743 |
| Net loans and leases to core deposits | 69.5750% | 7,044 |
| Total domestic deposits to total assets | 91.6387% | 281 |
| Equity capital to assets | 7.5018% | 7,261 |
| Core capital (leverage) ratio | 7.3699% | 7,161 |
| Tier 1 risk-based capital ratio | 15.9800% | 2,634 |
| Total risk-based capital ratio | 17.1741% | 2,597 |
| Memoranda: | ||
| Average total assets | $74,596,330 | 5,966 |
| Average earning assets | $63,894,330 | 6,081 |
| Average equity | $5,729,670 | 6,820 |
| Average total loans | $29,874,670 | 6,741 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7055% | 3,779 |
| Cost of funding earning assets | 1.6266% | 5,917 |
| Net interest margin | 4.0789% | 2,364 |
| Noninterest income to average assets | 0.9820% | 1,538 |
| Noninterest expense to average assets | 3.5772% | 1,913 |
| Loan and lease loss provision to assets | 0.0809% | 5,931 |
| Net operating income to assets | 0.8417% | 2,945 |
| Return on assets (ROA) | 0.8417% | 3,090 |
| Pretax return on assets | 0.8417% | 3,919 |
| Return on Equity (ROE) | 10.8296% | 2,019 |
| Retained earnings to average equity (ytd only) | 10.8296% | 1,001 |
| Net charge-offs to loans | 0.1338% | 3,889 |
| Credit loss provision to net charge-offs | 150.0000% | 2,773 |
| Earnings coverage of net charge-offs (x) | 17.1000% | 1,523 |
| Efficiency ratio | 79.4964% | 2,911 |
| Assets per employee ($millions) | 2.6652% | 6,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1247% | 5,294 |
| Loan loss allowance to noncurrent loans | 47.5248% | 5,361 |
| Noncurrent assets plus other real estate owned to assets | 1.3454% | 3,973 |
| Noncurrent loans to loans | 2.3666% | 2,778 |
| Net loans and leases to total assets | 39.5819% | 7,588 |
| Net loans and leases to deposits | 43.2455% | 7,752 |
| Net loans and leases to core deposits | 70.9451% | 6,962 |
| Total domestic deposits to total assets | 91.5283% | 269 |
| Equity capital to assets | 7.7575% | 7,123 |
| Core capital (leverage) ratio | 7.7906% | 6,762 |
| Tier 1 risk-based capital ratio | 15.2742% | 2,950 |
| Total risk-based capital ratio | 16.1671% | 3,038 |
| Memoranda: | ||
| Average total assets | $74,137,000 | 6,000 |
| Average earning assets | $63,938,500 | 6,112 |
| Average equity | $5,762,000 | 6,856 |
| Average total loans | $29,900,500 | 6,771 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0069% | 5,515 |
| Cost of funding earning assets | 2.1156% | 5,980 |
| Net interest margin | 3.8913% | 3,602 |
| Noninterest income to average assets | 1.2698% | 911 |
| Noninterest expense to average assets | 4.0910% | 1,294 |
| Loan and lease loss provision to assets | 0.0836% | 6,346 |
| Net operating income to assets | 0.6537% | 4,089 |
| Return on assets (ROA) | 0.6705% | 3,866 |
| Pretax return on assets | 0.6705% | 4,484 |
| Return on Equity (ROE) | 9.1885% | 2,572 |
| Retained earnings to average equity (ytd only) | 7.3737% | 1,030 |
| Net charge-offs to loans | 0.3873% | 2,888 |
| Credit loss provision to net charge-offs | 52.1739% | 6,330 |
| Earnings coverage of net charge-offs (x) | 4.6000% | 3,926 |
| Efficiency ratio | 84.7286% | 1,987 |
| Assets per employee ($millions) | 2.8327% | 6,483 |
| Cash dividends to net income (ytd only)* | 19.7505% | 4,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9055% | 6,647 |
| Loan loss allowance to noncurrent loans | 27.0729% | 6,889 |
| Noncurrent assets plus other real estate owned to assets | 1.4501% | 3,319 |
| Noncurrent loans to loans | 3.3448% | 1,543 |
| Net loans and leases to total assets | 40.2667% | 7,660 |
| Net loans and leases to deposits | 44.9851% | 7,821 |
| Net loans and leases to core deposits | 70.8728% | 7,140 |
| Total domestic deposits to total assets | 89.5111% | 841 |
| Equity capital to assets | 7.7869% | 7,112 |
| Core capital (leverage) ratio | 7.7588% | 6,852 |
| Tier 1 risk-based capital ratio | 16.6531% | 2,433 |
| Total risk-based capital ratio | 17.4710% | 2,514 |
| Memoranda: | ||
| Average total assets | $71,742,800 | 5,977 |
| Average earning assets | $65,607,400 | 5,975 |
| Average equity | $5,234,800 | 7,071 |
| Average total loans | $29,696,000 | 6,725 |