Home > Elberton Federal Savings and Loan Association > Performance and Condition Ratios
Elberton Federal Savings and Loan Association, Performance and Condition Ratios
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7461% | 4,086 |
| Cost of funding earning assets | 1.0083% | 2,579 |
| Net interest margin | 2.7378% | 3,925 |
| Noninterest income to average assets | 0.0100% | 4,563 |
| Noninterest expense to average assets | 3.5593% | 498 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | -0.9378% | 4,597 |
| Return on assets (ROA) | -0.9378% | 4,594 |
| Pretax return on assets | -0.9378% | 4,586 |
| Return on Equity (ROE) | -5.4100% | 4,548 |
| Retained earnings to average equity (ytd only) | -5.4119% | 4,435 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 135.7746% | 49 |
| Assets per employee ($millions) | 6.6493% | 2,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1830% | 4,504 |
| Loan loss allowance to noncurrent loans | 41.4141% | 3,691 |
| Noncurrent assets plus other real estate owned to assets | 0.3722% | 1,432 |
| Noncurrent loans to loans | 0.4418% | 1,617 |
| Net loans and leases to total assets | 84.0900% | 267 |
| Net loans and leases to deposits | 119.8478% | 91 |
| Net loans and leases to core deposits | 129.8311% | 330 |
| Total domestic deposits to total assets | 70.1700% | 4,356 |
| Equity capital to assets | 17.4080% | 369 |
| Core capital (leverage) ratio | 17.9467% | 342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $27,083,667 | 4,536 |
| Average earning assets | $25,786,667 | 4,496 |
| Average equity | $4,693,333 | 4,324 |
| Average total loans | $22,887,667 | 4,287 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5505% | 4,215 |
| Cost of funding earning assets | 0.8612% | 2,506 |
| Net interest margin | 2.6893% | 4,085 |
| Noninterest income to average assets | 0.0300% | 4,580 |
| Noninterest expense to average assets | 3.7326% | 432 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -1.0978% | 4,625 |
| Return on assets (ROA) | -1.0832% | 4,618 |
| Pretax return on assets | -1.0832% | 4,612 |
| Return on Equity (ROE) | -6.2600% | 4,571 |
| Retained earnings to average equity (ytd only) | -6.2646% | 4,378 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 141.6667% | 48 |
| Assets per employee ($millions) | 6.6925% | 2,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1785% | 4,565 |
| Loan loss allowance to noncurrent loans | 10.0244% | 3,866 |
| Noncurrent assets plus other real estate owned to assets | 1.5278% | 211 |
| Noncurrent loans to loans | 1.7807% | 350 |
| Net loans and leases to total assets | 85.6400% | 147 |
| Net loans and leases to deposits | 122.0105% | 71 |
| Net loans and leases to core deposits | 132.1060% | 257 |
| Total domestic deposits to total assets | 70.1900% | 4,414 |
| Equity capital to assets | 17.5159% | 324 |
| Core capital (leverage) ratio | 17.8100% | 353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $27,327,000 | 4,593 |
| Average earning assets | $26,475,000 | 4,556 |
| Average equity | $4,725,000 | 4,372 |
| Average total loans | $23,128,000 | 4,345 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5999% | 2,802 |
| Cost of funding earning assets | 0.5467% | 1,125 |
| Net interest margin | 3.0532% | 3,306 |
| Noninterest income to average assets | 0.0000% | 4,670 |
| Noninterest expense to average assets | 3.2090% | 712 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | -0.3562% | 4,629 |
| Return on assets (ROA) | -0.3813% | 4,624 |
| Pretax return on assets | -0.3813% | 4,615 |
| Return on Equity (ROE) | -2.1900% | 4,587 |
| Retained earnings to average equity (ytd only) | -2.1882% | 4,488 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 112.4842% | 81 |
| Assets per employee ($millions) | 6.9710% | 1,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1761% | 4,581 |
| Loan loss allowance to noncurrent loans | 22.9050% | 3,850 |
| Noncurrent assets plus other real estate owned to assets | 0.6419% | 775 |
| Noncurrent loans to loans | 0.7686% | 975 |
| Net loans and leases to total assets | 83.3700% | 303 |
| Net loans and leases to deposits | 112.8440% | 124 |
| Net loans and leases to core deposits | 121.2992% | 347 |
| Total domestic deposits to total assets | 73.8800% | 4,361 |
| Equity capital to assets | 17.0743% | 329 |
| Core capital (leverage) ratio | 18.0182% | 328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $27,796,800 | 4,619 |
| Average earning assets | $25,973,000 | 4,591 |
| Average equity | $4,844,200 | 4,447 |
| Average total loans | $22,749,000 | 4,364 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6100% | 2,316 |
| Cost of funding earning assets | 0.5654% | 536 |
| Net interest margin | 3.0446% | 3,100 |
| Noninterest income to average assets | 0.0000% | 4,708 |
| Noninterest expense to average assets | 3.1058% | 780 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | -0.2880% | 4,658 |
| Return on assets (ROA) | -0.3120% | 4,640 |
| Pretax return on assets | -0.3120% | 4,637 |
| Return on Equity (ROE) | -1.7800% | 4,611 |
| Retained earnings to average equity (ytd only) | -1.7814% | 4,480 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 110.2215% | 93 |
| Assets per employee ($millions) | 6.6205% | 2,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1791% | 4,622 |
| Loan loss allowance to noncurrent loans | 31.0606% | 3,890 |
| Noncurrent assets plus other real estate owned to assets | 0.4985% | 1,103 |
| Noncurrent loans to loans | 0.5766% | 1,391 |
| Net loans and leases to total assets | 86.2900% | 104 |
| Net loans and leases to deposits | 110.7605% | 120 |
| Net loans and leases to core deposits | 116.8431% | 316 |
| Total domestic deposits to total assets | 77.9100% | 4,266 |
| Equity capital to assets | 18.1029% | 267 |
| Core capital (leverage) ratio | 18.0573% | 315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $27,775,000 | 4,655 |
| Average earning assets | $25,706,000 | 4,630 |
| Average equity | $4,865,000 | 4,487 |
| Average total loans | $22,614,250 | 4,399 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5215% | 2,068 |
| Cost of funding earning assets | 0.5895% | 301 |
| Net interest margin | 2.9320% | 3,082 |
| Noninterest income to average assets | 0.0000% | 4,732 |
| Noninterest expense to average assets | 3.1128% | 718 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.4325% | 4,675 |
| Return on assets (ROA) | -0.4751% | 4,660 |
| Pretax return on assets | -0.4751% | 4,648 |
| Return on Equity (ROE) | -2.7410% | 4,634 |
| Retained earnings to average equity (ytd only) | -2.7410% | 4,437 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.1376% | 92 |
| Assets per employee ($millions) | 5.4686% | 3,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1809% | 4,695 |
| Loan loss allowance to noncurrent loans | 19.8068% | 3,977 |
| Noncurrent assets plus other real estate owned to assets | 0.7570% | 693 |
| Noncurrent loans to loans | 0.9135% | 914 |
| Net loans and leases to total assets | 82.7268% | 255 |
| Net loans and leases to deposits | 105.2485% | 145 |
| Net loans and leases to core deposits | 112.4366% | 310 |
| Total domestic deposits to total assets | 78.6015% | 4,320 |
| Equity capital to assets | 17.5840% | 247 |
| Core capital (leverage) ratio | 17.6676% | 294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $28,206,000 | 4,690 |
| Average earning assets | $25,784,333 | 4,675 |
| Average equity | $4,888,667 | 4,531 |
| Average total loans | $22,521,667 | 4,457 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6037% | 1,497 |
| Cost of funding earning assets | 0.6058% | 254 |
| Net interest margin | 2.9979% | 2,511 |
| Noninterest income to average assets | 0.0000% | 4,754 |
| Noninterest expense to average assets | 3.2265% | 582 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.5308% | 4,705 |
| Return on assets (ROA) | -0.5447% | 4,697 |
| Pretax return on assets | -0.5447% | 4,682 |
| Return on Equity (ROE) | -3.1649% | 4,665 |
| Retained earnings to average equity (ytd only) | -3.1649% | 4,323 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.6891% | 87 |
| Assets per employee ($millions) | 5.7936% | 3,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1830% | 4,720 |
| Loan loss allowance to noncurrent loans | 27.5168% | 3,988 |
| Noncurrent assets plus other real estate owned to assets | 0.5144% | 1,167 |
| Noncurrent loans to loans | 0.6649% | 1,426 |
| Net loans and leases to total assets | 77.2162% | 438 |
| Net loans and leases to deposits | 101.4376% | 150 |
| Net loans and leases to core deposits | 108.1782% | 302 |
| Total domestic deposits to total assets | 76.1219% | 4,496 |
| Equity capital to assets | 16.8289% | 277 |
| Core capital (leverage) ratio | 17.0650% | 290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $28,637,500 | 4,712 |
| Average earning assets | $25,751,500 | 4,697 |
| Average equity | $4,929,000 | 4,569 |
| Average total loans | $22,452,000 | 4,475 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6851% | 2,159 |
| Cost of funding earning assets | 0.6700% | 370 |
| Net interest margin | 3.0151% | 3,154 |
| Noninterest income to average assets | 0.0106% | 4,787 |
| Noninterest expense to average assets | 3.2105% | 714 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | -0.4283% | 4,756 |
| Return on assets (ROA) | -0.5097% | 4,768 |
| Pretax return on assets | -0.5097% | 4,764 |
| Return on Equity (ROE) | -2.8130% | 4,748 |
| Retained earnings to average equity (ytd only) | -2.8130% | 4,653 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.3944% | 76 |
| Assets per employee ($millions) | 7.0768% | 1,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1823% | 4,760 |
| Loan loss allowance to noncurrent loans | 8.4189% | 4,115 |
| Noncurrent assets plus other real estate owned to assets | 1.7204% | 219 |
| Noncurrent loans to loans | 2.1649% | 340 |
| Net loans and leases to total assets | 79.3231% | 304 |
| Net loans and leases to deposits | 105.3783% | 113 |
| Net loans and leases to core deposits | 112.6417% | 249 |
| Total domestic deposits to total assets | 75.2747% | 4,540 |
| Equity capital to assets | 17.6034% | 271 |
| Core capital (leverage) ratio | 17.5827% | 262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $28,251,400 | 4,753 |
| Average earning assets | $25,969,400 | 4,737 |
| Average equity | $5,119,000 | 4,620 |
| Average total loans | $21,885,000 | 4,536 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6561% | 2,394 |
| Cost of funding earning assets | 0.6922% | 396 |
| Net interest margin | 2.9638% | 3,408 |
| Noninterest income to average assets | 0.0142% | 4,853 |
| Noninterest expense to average assets | 2.7339% | 1,503 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.0094% | 4,739 |
| Return on assets (ROA) | -0.0992% | 4,778 |
| Pretax return on assets | -0.0992% | 4,778 |
| Return on Equity (ROE) | -0.5434% | 4,772 |
| Retained earnings to average equity (ytd only) | -0.5434% | 4,617 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.6558% | 160 |
| Assets per employee ($millions) | 7.0633% | 1,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1826% | 4,841 |
| Loan loss allowance to noncurrent loans | 9.8086% | 4,215 |
| Noncurrent assets plus other real estate owned to assets | 1.4795% | 336 |
| Noncurrent loans to loans | 1.8612% | 503 |
| Net loans and leases to total assets | 79.3473% | 328 |
| Net loans and leases to deposits | 106.4584% | 126 |
| Net loans and leases to core deposits | 113.8895% | 255 |
| Total domestic deposits to total assets | 74.5337% | 4,615 |
| Equity capital to assets | 18.1857% | 262 |
| Core capital (leverage) ratio | 17.9341% | 263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $28,237,500 | 4,824 |
| Average earning assets | $26,001,750 | 4,809 |
| Average equity | $5,153,000 | 4,682 |
| Average total loans | $21,732,500 | 4,601 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6390% | 2,501 |
| Cost of funding earning assets | 0.6986% | 469 |
| Net interest margin | 2.9403% | 3,470 |
| Noninterest income to average assets | 0.0000% | 4,919 |
| Noninterest expense to average assets | 2.7557% | 1,453 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -0.0425% | 4,781 |
| Return on assets (ROA) | -0.1346% | 4,823 |
| Pretax return on assets | -0.1346% | 4,817 |
| Return on Equity (ROE) | -0.7367% | 4,812 |
| Retained earnings to average equity (ytd only) | -0.7367% | 4,583 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.5666% | 156 |
| Assets per employee ($millions) | 5.8672% | 2,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1861% | 4,878 |
| Loan loss allowance to noncurrent loans | 18.6364% | 4,233 |
| Noncurrent assets plus other real estate owned to assets | 0.7499% | 1,092 |
| Noncurrent loans to loans | 0.9987% | 1,233 |
| Net loans and leases to total assets | 74.9489% | 682 |
| Net loans and leases to deposits | 108.2464% | 130 |
| Net loans and leases to core deposits | 116.0999% | 262 |
| Total domestic deposits to total assets | 69.2392% | 4,772 |
| Equity capital to assets | 17.5314% | 295 |
| Core capital (leverage) ratio | 17.4177% | 288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $28,232,333 | 4,858 |
| Average earning assets | $26,051,333 | 4,840 |
| Average equity | $5,158,000 | 4,709 |
| Average total loans | $21,490,333 | 4,639 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7693% | 2,189 |
| Cost of funding earning assets | 0.6825% | 584 |
| Net interest margin | 3.0868% | 3,036 |
| Noninterest income to average assets | 0.0000% | 4,935 |
| Noninterest expense to average assets | 2.8612% | 1,230 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.0145% | 4,768 |
| Return on assets (ROA) | -0.0434% | 4,792 |
| Pretax return on assets | -0.0434% | 4,795 |
| Return on Equity (ROE) | -0.2323% | 4,790 |
| Retained earnings to average equity (ytd only) | -0.2323% | 4,385 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.4975% | 198 |
| Assets per employee ($millions) | 7.0965% | 1,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1891% | 4,906 |
| Loan loss allowance to noncurrent loans | 44.0860% | 4,058 |
| Noncurrent assets plus other real estate owned to assets | 0.3276% | 2,502 |
| Noncurrent loans to loans | 0.4289% | 2,573 |
| Net loans and leases to total assets | 76.2453% | 608 |
| Net loans and leases to deposits | 111.7346% | 123 |
| Net loans and leases to core deposits | 120.2589% | 238 |
| Total domestic deposits to total assets | 68.2379% | 4,800 |
| Equity capital to assets | 18.1568% | 250 |
| Core capital (leverage) ratio | 18.4748% | 239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $27,680,500 | 4,886 |
| Average earning assets | $25,787,000 | 4,866 |
| Average equity | $5,165,500 | 4,732 |
| Average total loans | $21,221,500 | 4,668 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9162% | 2,982 |
| Cost of funding earning assets | 0.7450% | 1,483 |
| Net interest margin | 3.1712% | 3,434 |
| Noninterest income to average assets | 0.0000% | 4,957 |
| Noninterest expense to average assets | 2.9493% | 1,547 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.0146% | 4,724 |
| Return on assets (ROA) | 0.0856% | 4,713 |
| Pretax return on assets | 0.0895% | 4,710 |
| Return on Equity (ROE) | 0.4290% | 4,732 |
| Retained earnings to average equity (ytd only) | 0.4290% | 4,386 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.4751% | 181 |
| Assets per employee ($millions) | 6.7438% | 1,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1975% | 4,927 |
| Loan loss allowance to noncurrent loans | 30.1471% | 4,277 |
| Noncurrent assets plus other real estate owned to assets | 0.5042% | 2,051 |
| Noncurrent loans to loans | 0.6551% | 2,041 |
| Net loans and leases to total assets | 76.8044% | 715 |
| Net loans and leases to deposits | 115.5365% | 106 |
| Net loans and leases to core deposits | 125.1238% | 253 |
| Total domestic deposits to total assets | 66.4764% | 4,840 |
| Equity capital to assets | 19.1918% | 222 |
| Core capital (leverage) ratio | 19.0103% | 219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $25,701,000 | 4,903 |
| Average earning assets | $24,028,400 | 4,889 |
| Average equity | $5,128,000 | 4,735 |
| Average total loans | $19,801,800 | 4,722 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9546% | 3,100 |
| Cost of funding earning assets | 0.7425% | 1,786 |
| Net interest margin | 3.2120% | 3,458 |
| Noninterest income to average assets | 0.0000% | 4,986 |
| Noninterest expense to average assets | 3.0729% | 1,282 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | -0.0788% | 4,804 |
| Return on assets (ROA) | -0.0105% | 4,796 |
| Pretax return on assets | -0.0053% | 4,789 |
| Return on Equity (ROE) | -0.0521% | 4,794 |
| Retained earnings to average equity (ytd only) | -0.0521% | 4,487 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.4518% | 151 |
| Assets per employee ($millions) | 6.6255% | 1,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2035% | 4,963 |
| Loan loss allowance to noncurrent loans | 24.1176% | 4,374 |
| Noncurrent assets plus other real estate owned to assets | 0.6415% | 1,815 |
| Noncurrent loans to loans | 0.8440% | 1,745 |
| Net loans and leases to total assets | 75.8509% | 1,115 |
| Net loans and leases to deposits | 115.1647% | 155 |
| Net loans and leases to core deposits | 120.6965% | 398 |
| Total domestic deposits to total assets | 65.8630% | 4,854 |
| Equity capital to assets | 19.4363% | 227 |
| Core capital (leverage) ratio | 19.1333% | 233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $25,382,500 | 4,937 |
| Average earning assets | $23,702,000 | 4,922 |
| Average equity | $5,115,750 | 4,759 |
| Average total loans | $19,562,500 | 4,758 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9977% | 3,328 |
| Cost of funding earning assets | 0.7362% | 2,194 |
| Net interest margin | 3.2615% | 3,485 |
| Noninterest income to average assets | 0.0000% | 5,011 |
| Noninterest expense to average assets | 3.1348% | 1,276 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -0.0758% | 4,822 |
| Return on assets (ROA) | 0.0480% | 4,756 |
| Pretax return on assets | 0.0560% | 4,756 |
| Return on Equity (ROE) | 0.2351% | 4,774 |
| Retained earnings to average equity (ytd only) | 0.2351% | 4,264 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.8871% | 148 |
| Assets per employee ($millions) | 5.2572% | 2,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2118% | 4,990 |
| Loan loss allowance to noncurrent loans | 46.5909% | 4,108 |
| Noncurrent assets plus other real estate owned to assets | 0.3348% | 2,969 |
| Noncurrent loans to loans | 0.4547% | 2,786 |
| Net loans and leases to total assets | 73.4764% | 1,479 |
| Net loans and leases to deposits | 111.9912% | 195 |
| Net loans and leases to core deposits | 117.4389% | 490 |
| Total domestic deposits to total assets | 65.6091% | 4,889 |
| Equity capital to assets | 19.5846% | 226 |
| Core capital (leverage) ratio | 19.5501% | 228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $25,009,333 | 4,970 |
| Average earning assets | $23,363,333 | 4,957 |
| Average equity | $5,104,000 | 4,790 |
| Average total loans | $19,369,000 | 4,787 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9934% | 3,802 |
| Cost of funding earning assets | 0.7198% | 2,840 |
| Net interest margin | 3.2736% | 3,658 |
| Noninterest income to average assets | 0.0000% | 5,056 |
| Noninterest expense to average assets | 3.3154% | 1,192 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.1805% | 4,843 |
| Return on assets (ROA) | -0.0821% | 4,781 |
| Pretax return on assets | -0.0821% | 4,768 |
| Return on Equity (ROE) | -0.3935% | 4,766 |
| Retained earnings to average equity (ytd only) | -0.3935% | 4,055 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.7592% | 176 |
| Assets per employee ($millions) | 6.1125% | 1,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2127% | 5,030 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 78.6748% | 882 |
| Net loans and leases to deposits | 124.0072% | 66 |
| Net loans and leases to core deposits | 128.1375% | 298 |
| Total domestic deposits to total assets | 63.4438% | 5,000 |
| Equity capital to assets | 20.7280% | 216 |
| Core capital (leverage) ratio | 20.5780% | 216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $24,371,000 | 5,024 |
| Average earning assets | $23,338,500 | 5,003 |
| Average equity | $5,082,000 | 4,827 |
| Average total loans | $19,376,000 | 4,816 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2083% | 3,797 |
| Cost of funding earning assets | 0.6468% | 3,427 |
| Net interest margin | 3.5616% | 3,247 |
| Noninterest income to average assets | 0.0042% | 5,123 |
| Noninterest expense to average assets | 3.4054% | 1,107 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.0398% | 4,949 |
| Return on assets (ROA) | 0.2501% | 4,823 |
| Pretax return on assets | 0.2584% | 4,850 |
| Return on Equity (ROE) | 1.1988% | 4,892 |
| Retained earnings to average equity (ytd only) | 1.1988% | 4,310 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.7908% | 176 |
| Assets per employee ($millions) | 6.0730% | 1,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2105% | 5,085 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 80.0016% | 794 |
| Net loans and leases to deposits | 126.8041% | 54 |
| Net loans and leases to core deposits | 131.0805% | 260 |
| Total domestic deposits to total assets | 63.0907% | 5,063 |
| Equity capital to assets | 20.9781% | 214 |
| Core capital (leverage) ratio | 20.7323% | 211 |
| Tier 1 risk-based capital ratio | 42.9856% | 196 |
| Total risk-based capital ratio | 43.3333% | 204 |
| Memoranda: | ||
| Average total assets | $23,991,400 | 5,081 |
| Average earning assets | $23,192,000 | 5,060 |
| Average equity | $5,004,800 | 4,879 |
| Average total loans | $19,022,600 | 4,884 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1561% | 4,025 |
| Cost of funding earning assets | 0.6226% | 3,570 |
| Net interest margin | 3.5335% | 3,458 |
| Noninterest income to average assets | 0.0056% | 5,196 |
| Noninterest expense to average assets | 3.5623% | 886 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | -0.1505% | 5,096 |
| Return on assets (ROA) | -0.0335% | 5,079 |
| Pretax return on assets | -0.0223% | 5,075 |
| Return on Equity (ROE) | -0.1606% | 5,078 |
| Retained earnings to average equity (ytd only) | -0.1606% | 4,774 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.0717% | 125 |
| Assets per employee ($millions) | 6.0238% | 1,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2118% | 5,157 |
| Loan loss allowance to noncurrent loans | 21.9251% | 4,601 |
| Noncurrent assets plus other real estate owned to assets | 0.7761% | 1,774 |
| Noncurrent loans to loans | 0.9662% | 1,661 |
| Net loans and leases to total assets | 80.1536% | 827 |
| Net loans and leases to deposits | 131.5958% | 39 |
| Net loans and leases to core deposits | 136.2373% | 225 |
| Total domestic deposits to total assets | 60.9089% | 5,157 |
| Equity capital to assets | 20.8134% | 226 |
| Core capital (leverage) ratio | 20.7508% | 214 |
| Tier 1 risk-based capital ratio | 42.1079% | 210 |
| Total risk-based capital ratio | 42.4542% | 223 |
| Memoranda: | ||
| Average total assets | $23,916,250 | 5,161 |
| Average earning assets | $23,130,000 | 5,136 |
| Average equity | $4,982,000 | 4,951 |
| Average total loans | $18,909,500 | 4,961 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1749% | 3,984 |
| Cost of funding earning assets | 0.6150% | 3,574 |
| Net interest margin | 3.5599% | 3,401 |
| Noninterest income to average assets | 0.0000% | 5,250 |
| Noninterest expense to average assets | 3.4707% | 990 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -0.0419% | 5,117 |
| Return on assets (ROA) | -0.0419% | 5,121 |
| Pretax return on assets | -0.0252% | 5,115 |
| Return on Equity (ROE) | -0.2012% | 5,114 |
| Retained earnings to average equity (ytd only) | -0.2012% | 4,715 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.7299% | 153 |
| Assets per employee ($millions) | 4.8414% | 2,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2158% | 5,212 |
| Loan loss allowance to noncurrent loans | 46.0674% | 4,284 |
| Noncurrent assets plus other real estate owned to assets | 0.3677% | 3,051 |
| Noncurrent loans to loans | 0.4685% | 2,873 |
| Net loans and leases to total assets | 78.2997% | 1,165 |
| Net loans and leases to deposits | 125.7480% | 57 |
| Net loans and leases to core deposits | 130.0624% | 327 |
| Total domestic deposits to total assets | 62.2671% | 5,189 |
| Equity capital to assets | 20.8246% | 217 |
| Core capital (leverage) ratio | 20.3974% | 225 |
| Tier 1 risk-based capital ratio | 45.5028% | 169 |
| Total risk-based capital ratio | 45.8784% | 175 |
| Memoranda: | ||
| Average total assets | $23,856,670 | 5,209 |
| Average earning assets | $23,090,330 | 5,187 |
| Average equity | $4,971,000 | 4,987 |
| Average total loans | $18,761,330 | 5,006 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0965% | 4,132 |
| Cost of funding earning assets | 0.5753% | 3,700 |
| Net interest margin | 3.5212% | 3,534 |
| Noninterest income to average assets | 0.0000% | 5,305 |
| Noninterest expense to average assets | 3.5471% | 909 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -0.1520% | 5,196 |
| Return on assets (ROA) | -0.1520% | 5,193 |
| Pretax return on assets | -0.1351% | 5,182 |
| Return on Equity (ROE) | -0.7293% | 5,176 |
| Retained earnings to average equity (ytd only) | -0.7293% | 4,618 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.9604% | 136 |
| Assets per employee ($millions) | 4.7296% | 2,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2177% | 5,276 |
| Loan loss allowance to noncurrent loans | 16.5992% | 4,755 |
| Noncurrent assets plus other real estate owned to assets | 1.0445% | 1,330 |
| Noncurrent loans to loans | 1.3113% | 1,250 |
| Net loans and leases to total assets | 79.4782% | 913 |
| Net loans and leases to deposits | 125.1582% | 57 |
| Net loans and leases to core deposits | 129.4689% | 315 |
| Total domestic deposits to total assets | 63.5022% | 5,247 |
| Equity capital to assets | 20.9447% | 200 |
| Core capital (leverage) ratio | 21.3608% | 186 |
| Tier 1 risk-based capital ratio | 42.8241% | 190 |
| Total risk-based capital ratio | 43.1756% | 200 |
| Memoranda: | ||
| Average total assets | $23,681,500 | 5,264 |
| Average earning assets | $22,946,500 | 5,240 |
| Average equity | $4,936,000 | 5,035 |
| Average total loans | $18,644,500 | 5,064 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0828% | 3,790 |
| Cost of funding earning assets | 0.5164% | 3,249 |
| Net interest margin | 3.5664% | 3,493 |
| Noninterest income to average assets | 0.0084% | 5,338 |
| Noninterest expense to average assets | 3.4744% | 1,026 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | -0.0673% | 5,251 |
| Return on assets (ROA) | -0.0673% | 5,248 |
| Pretax return on assets | -0.0673% | 5,243 |
| Return on Equity (ROE) | -0.3248% | 5,242 |
| Retained earnings to average equity (ytd only) | -0.3248% | 5,023 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.9753% | 126 |
| Assets per employee ($millions) | 4.7430% | 2,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2222% | 5,317 |
| Loan loss allowance to noncurrent loans | 54.6667% | 4,230 |
| Noncurrent assets plus other real estate owned to assets | 0.3163% | 3,288 |
| Noncurrent loans to loans | 0.4064% | 3,073 |
| Net loans and leases to total assets | 77.6386% | 1,331 |
| Net loans and leases to deposits | 118.6570% | 109 |
| Net loans and leases to core deposits | 122.6077% | 479 |
| Total domestic deposits to total assets | 65.4312% | 5,252 |
| Equity capital to assets | 20.7421% | 204 |
| Core capital (leverage) ratio | 21.2570% | 186 |
| Tier 1 risk-based capital ratio | 42.8755% | 196 |
| Total risk-based capital ratio | 43.2277% | 204 |
| Memoranda: | ||
| Average total assets | $23,773,800 | 5,308 |
| Average earning assets | $22,656,000 | 5,291 |
| Average equity | $4,925,800 | 5,059 |
| Average total loans | $18,423,000 | 5,110 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0430% | 3,806 |
| Cost of funding earning assets | 0.5194% | 3,066 |
| Net interest margin | 3.5236% | 3,622 |
| Noninterest income to average assets | 0.0000% | 5,427 |
| Noninterest expense to average assets | 3.4638% | 1,035 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | -0.1177% | 5,331 |
| Return on assets (ROA) | -0.1177% | 5,331 |
| Pretax return on assets | -0.1177% | 5,325 |
| Return on Equity (ROE) | -0.5682% | 5,320 |
| Retained earnings to average equity (ytd only) | -0.5682% | 5,101 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.5176% | 110 |
| Assets per employee ($millions) | 4.7506% | 2,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2285% | 5,389 |
| Loan loss allowance to noncurrent loans | 56.9444% | 4,261 |
| Noncurrent assets plus other real estate owned to assets | 0.3031% | 3,484 |
| Noncurrent loans to loans | 0.4012% | 3,215 |
| Net loans and leases to total assets | 75.3757% | 1,755 |
| Net loans and leases to deposits | 112.1664% | 231 |
| Net loans and leases to core deposits | 115.7936% | 725 |
| Total domestic deposits to total assets | 67.1999% | 5,302 |
| Equity capital to assets | 20.5700% | 206 |
| Core capital (leverage) ratio | 20.9988% | 194 |
| Tier 1 risk-based capital ratio | 43.0768% | 191 |
| Total risk-based capital ratio | 43.4309% | 196 |
| Memoranda: | ||
| Average total assets | $23,788,500 | 5,381 |
| Average earning assets | $22,590,000 | 5,363 |
| Average equity | $4,927,500 | 5,119 |
| Average total loans | $18,415,500 | 5,171 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0712% | 3,549 |
| Cost of funding earning assets | 0.5133% | 2,905 |
| Net interest margin | 3.5579% | 3,443 |
| Noninterest income to average assets | 0.0000% | 5,488 |
| Noninterest expense to average assets | 3.4957% | 1,000 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -0.1176% | 5,382 |
| Return on assets (ROA) | -0.1176% | 5,378 |
| Pretax return on assets | -0.1176% | 5,378 |
| Return on Equity (ROE) | -0.5666% | 5,362 |
| Retained earnings to average equity (ytd only) | -0.5666% | 5,034 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.4826% | 135 |
| Assets per employee ($millions) | 4.8002% | 2,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2209% | 5,452 |
| Loan loss allowance to noncurrent loans | 48.2353% | 4,450 |
| Noncurrent assets plus other real estate owned to assets | 0.3542% | 3,334 |
| Noncurrent loans to loans | 0.4579% | 3,063 |
| Net loans and leases to total assets | 77.1635% | 1,446 |
| Net loans and leases to deposits | 114.3916% | 189 |
| Net loans and leases to core deposits | 118.0370% | 628 |
| Total domestic deposits to total assets | 67.4555% | 5,354 |
| Equity capital to assets | 20.4616% | 208 |
| Core capital (leverage) ratio | 20.8950% | 191 |
| Tier 1 risk-based capital ratio | 43.3141% | 193 |
| Total risk-based capital ratio | 43.6676% | 196 |
| Memoranda: | ||
| Average total assets | $23,800,330 | 5,443 |
| Average earning assets | $22,597,670 | 5,422 |
| Average equity | $4,941,330 | 5,175 |
| Average total loans | $18,572,330 | 5,226 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1612% | 3,023 |
| Cost of funding earning assets | 0.5022% | 2,780 |
| Net interest margin | 3.6589% | 2,959 |
| Noninterest income to average assets | 0.0000% | 5,557 |
| Noninterest expense to average assets | 3.6793% | 790 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.2363% | 5,458 |
| Return on assets (ROA) | -0.2363% | 5,452 |
| Pretax return on assets | -0.2363% | 5,451 |
| Return on Equity (ROE) | -1.1298% | 5,424 |
| Retained earnings to average equity (ytd only) | -1.1298% | 4,923 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.8627% | 120 |
| Assets per employee ($millions) | 4.8276% | 2,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2217% | 5,517 |
| Loan loss allowance to noncurrent loans | 410.0000% | 1,286 |
| Noncurrent assets plus other real estate owned to assets | 0.0414% | 4,907 |
| Noncurrent loans to loans | 0.0541% | 4,736 |
| Net loans and leases to total assets | 76.4479% | 1,470 |
| Net loans and leases to deposits | 113.0145% | 192 |
| Net loans and leases to core deposits | 116.5845% | 709 |
| Total domestic deposits to total assets | 67.6444% | 5,428 |
| Equity capital to assets | 20.4159% | 200 |
| Core capital (leverage) ratio | 20.8902% | 184 |
| Tier 1 risk-based capital ratio | 42.4047% | 202 |
| Total risk-based capital ratio | 42.7528% | 206 |
| Memoranda: | ||
| Average total assets | $23,700,000 | 5,500 |
| Average earning assets | $22,301,500 | 5,483 |
| Average equity | $4,956,500 | 5,228 |
| Average total loans | $18,578,000 | 5,286 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2603% | 2,463 |
| Cost of funding earning assets | 0.4828% | 2,479 |
| Net interest margin | 3.7775% | 2,512 |
| Noninterest income to average assets | 0.0000% | 5,617 |
| Noninterest expense to average assets | 3.2786% | 1,418 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3293% | 4,877 |
| Return on assets (ROA) | 0.3420% | 4,872 |
| Pretax return on assets | 0.3462% | 5,162 |
| Return on Equity (ROE) | 1.6181% | 5,132 |
| Retained earnings to average equity (ytd only) | 1.6181% | 4,335 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7692% | 393 |
| Assets per employee ($millions) | 4.6524% | 2,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2197% | 5,578 |
| Loan loss allowance to noncurrent loans | 128.1250% | 3,102 |
| Noncurrent assets plus other real estate owned to assets | 0.1376% | 4,450 |
| Noncurrent loans to loans | 0.1715% | 4,236 |
| Net loans and leases to total assets | 80.0490% | 954 |
| Net loans and leases to deposits | 120.9156% | 106 |
| Net loans and leases to core deposits | 124.9732% | 460 |
| Total domestic deposits to total assets | 66.2024% | 5,512 |
| Equity capital to assets | 21.4298% | 166 |
| Core capital (leverage) ratio | 21.3695% | 162 |
| Tier 1 risk-based capital ratio | 42.1988% | 185 |
| Total risk-based capital ratio | 42.5442% | 194 |
| Memoranda: | ||
| Average total assets | $23,393,800 | 5,565 |
| Average earning assets | $22,369,400 | 5,539 |
| Average equity | $4,944,200 | 5,279 |
| Average total loans | $18,248,800 | 5,350 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2633% | 2,387 |
| Cost of funding earning assets | 0.4697% | 2,525 |
| Net interest margin | 3.7936% | 2,427 |
| Noninterest income to average assets | 0.0000% | 5,683 |
| Noninterest expense to average assets | 3.2441% | 1,470 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.3813% | 5,034 |
| Return on assets (ROA) | 0.3813% | 5,061 |
| Pretax return on assets | 0.3870% | 5,206 |
| Return on Equity (ROE) | 1.8105% | 5,333 |
| Retained earnings to average equity (ytd only) | 1.8105% | 4,705 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3417% | 437 |
| Assets per employee ($millions) | 4.7600% | 2,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2187% | 5,649 |
| Loan loss allowance to noncurrent loans | 69.4915% | 4,142 |
| Noncurrent assets plus other real estate owned to assets | 0.2479% | 4,067 |
| Noncurrent loans to loans | 0.3147% | 3,824 |
| Net loans and leases to total assets | 78.6050% | 1,179 |
| Net loans and leases to deposits | 117.5716% | 129 |
| Net loans and leases to core deposits | 121.3859% | 540 |
| Total domestic deposits to total assets | 66.8571% | 5,567 |
| Equity capital to assets | 20.9916% | 188 |
| Core capital (leverage) ratio | 21.0938% | 172 |
| Tier 1 risk-based capital ratio | 41.2163% | 205 |
| Total risk-based capital ratio | 41.5546% | 218 |
| Memoranda: | ||
| Average total assets | $23,426,750 | 5,628 |
| Average earning assets | $22,423,250 | 5,600 |
| Average equity | $4,934,000 | 5,340 |
| Average total loans | $18,145,500 | 5,412 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2286% | 2,362 |
| Cost of funding earning assets | 0.4390% | 2,707 |
| Net interest margin | 3.7896% | 2,322 |
| Noninterest income to average assets | 0.0000% | 5,731 |
| Noninterest expense to average assets | 3.2615% | 1,442 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3605% | 5,067 |
| Return on assets (ROA) | 0.3605% | 5,092 |
| Pretax return on assets | 0.3691% | 5,236 |
| Return on Equity (ROE) | 1.7096% | 5,384 |
| Retained earnings to average equity (ytd only) | 1.7096% | 4,573 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8345% | 467 |
| Assets per employee ($millions) | 4.7454% | 2,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2203% | 5,698 |
| Loan loss allowance to noncurrent loans | 43.1579% | 4,735 |
| Noncurrent assets plus other real estate owned to assets | 0.4004% | 3,501 |
| Noncurrent loans to loans | 0.5103% | 3,229 |
| Net loans and leases to total assets | 78.2821% | 1,203 |
| Net loans and leases to deposits | 117.0384% | 136 |
| Net loans and leases to core deposits | 120.8458% | 525 |
| Total domestic deposits to total assets | 66.8858% | 5,623 |
| Equity capital to assets | 20.9340% | 187 |
| Core capital (leverage) ratio | 21.2681% | 160 |
| Tier 1 risk-based capital ratio | 40.8531% | 201 |
| Total risk-based capital ratio | 41.1900% | 207 |
| Memoranda: | ||
| Average total assets | $23,302,330 | 5,677 |
| Average earning assets | $22,324,000 | 5,649 |
| Average equity | $4,913,330 | 5,381 |
| Average total loans | $17,944,330 | 5,465 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2340% | 2,151 |
| Cost of funding earning assets | 0.4162% | 2,843 |
| Net interest margin | 3.8179% | 2,056 |
| Noninterest income to average assets | 0.0000% | 5,808 |
| Noninterest expense to average assets | 3.3261% | 1,332 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3291% | 5,131 |
| Return on assets (ROA) | 0.3291% | 5,153 |
| Pretax return on assets | 0.3291% | 5,272 |
| Return on Equity (ROE) | 1.5553% | 5,412 |
| Retained earnings to average equity (ytd only) | 1.5553% | 4,480 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9953% | 506 |
| Assets per employee ($millions) | 4.6228% | 2,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2308% | 5,767 |
| Loan loss allowance to noncurrent loans | 105.1282% | 3,535 |
| Noncurrent assets plus other real estate owned to assets | 0.1687% | 4,577 |
| Noncurrent loans to loans | 0.2195% | 4,318 |
| Net loans and leases to total assets | 76.6808% | 1,307 |
| Net loans and leases to deposits | 108.5630% | 251 |
| Net loans and leases to core deposits | 113.7904% | 685 |
| Total domestic deposits to total assets | 70.6325% | 5,607 |
| Equity capital to assets | 21.2209% | 162 |
| Core capital (leverage) ratio | 21.3592% | 154 |
| Tier 1 risk-based capital ratio | 41.6239% | 205 |
| Total risk-based capital ratio | 41.9689% | 210 |
| Memoranda: | ||
| Average total assets | $23,090,000 | 5,751 |
| Average earning assets | $22,106,500 | 5,715 |
| Average equity | $4,886,500 | 5,438 |
| Average total loans | $17,609,000 | 5,533 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2704% | 2,246 |
| Cost of funding earning assets | 0.3397% | 3,635 |
| Net interest margin | 3.9307% | 1,855 |
| Noninterest income to average assets | 0.0227% | 5,820 |
| Noninterest expense to average assets | 3.4814% | 1,205 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.3136% | 5,188 |
| Return on assets (ROA) | 0.3136% | 5,255 |
| Pretax return on assets | 0.3272% | 5,331 |
| Return on Equity (ROE) | 1.4074% | 5,503 |
| Retained earnings to average equity (ytd only) | 1.4074% | 4,705 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4081% | 488 |
| Assets per employee ($millions) | 4.6132% | 2,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2349% | 5,823 |
| Loan loss allowance to noncurrent loans | 47.6744% | 4,721 |
| Noncurrent assets plus other real estate owned to assets | 0.3728% | 3,791 |
| Noncurrent loans to loans | 0.4928% | 3,389 |
| Net loans and leases to total assets | 75.4877% | 1,603 |
| Net loans and leases to deposits | 106.7500% | 312 |
| Net loans and leases to core deposits | 111.8951% | 788 |
| Total domestic deposits to total assets | 70.7145% | 5,627 |
| Equity capital to assets | 21.1047% | 173 |
| Core capital (leverage) ratio | 21.6133% | 149 |
| Tier 1 risk-based capital ratio | 42.9982% | 187 |
| Total risk-based capital ratio | 43.3533% | 195 |
| Memoranda: | ||
| Average total assets | $22,002,600 | 5,820 |
| Average earning assets | $21,192,200 | 5,781 |
| Average equity | $4,902,800 | 5,484 |
| Average total loans | $16,520,400 | 5,628 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2901% | 2,189 |
| Cost of funding earning assets | 0.3427% | 3,627 |
| Net interest margin | 3.9474% | 1,824 |
| Noninterest income to average assets | 0.0245% | 5,891 |
| Noninterest expense to average assets | 3.3368% | 1,481 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4907% | 4,731 |
| Return on assets (ROA) | 0.4907% | 4,822 |
| Pretax return on assets | 0.5030% | 5,114 |
| Return on Equity (ROE) | 2.1716% | 5,439 |
| Retained earnings to average equity (ytd only) | 2.1716% | 4,606 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9010% | 743 |
| Assets per employee ($millions) | 4.5600% | 2,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2378% | 5,880 |
| Loan loss allowance to noncurrent loans | 110.8108% | 3,407 |
| Noncurrent assets plus other real estate owned to assets | 0.1623% | 4,782 |
| Noncurrent loans to loans | 0.2146% | 4,501 |
| Net loans and leases to total assets | 75.4561% | 1,624 |
| Net loans and leases to deposits | 108.0178% | 305 |
| Net loans and leases to core deposits | 113.3557% | 750 |
| Total domestic deposits to total assets | 69.8553% | 5,705 |
| Equity capital to assets | 21.8947% | 167 |
| Core capital (leverage) ratio | 21.9878% | 139 |
| Tier 1 risk-based capital ratio | 40.5602% | 216 |
| Total risk-based capital ratio | 40.8990% | 228 |
| Memoranda: | ||
| Average total assets | $21,736,750 | 5,883 |
| Average earning assets | $21,009,250 | 5,847 |
| Average equity | $4,911,500 | 5,539 |
| Average total loans | $16,287,250 | 5,691 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2772% | 2,228 |
| Cost of funding earning assets | 0.3476% | 3,598 |
| Net interest margin | 3.9296% | 1,882 |
| Noninterest income to average assets | 0.0281% | 5,956 |
| Noninterest expense to average assets | 3.4047% | 1,365 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4116% | 5,000 |
| Return on assets (ROA) | 0.4116% | 5,084 |
| Pretax return on assets | 0.4303% | 5,282 |
| Return on Equity (ROE) | 1.8016% | 5,553 |
| Retained earnings to average equity (ytd only) | 1.8016% | 4,651 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7805% | 671 |
| Assets per employee ($millions) | 4.3874% | 3,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2501% | 5,958 |
| Loan loss allowance to noncurrent loans | 2,050.0000% | 318 |
| Noncurrent assets plus other real estate owned to assets | 0.0091% | 5,589 |
| Noncurrent loans to loans | 0.0122% | 5,450 |
| Net loans and leases to total assets | 74.5316% | 1,723 |
| Net loans and leases to deposits | 104.0738% | 458 |
| Net loans and leases to core deposits | 109.2914% | 964 |
| Total domestic deposits to total assets | 71.6142% | 5,690 |
| Equity capital to assets | 22.5646% | 143 |
| Core capital (leverage) ratio | 22.3178% | 128 |
| Tier 1 risk-based capital ratio | 42.7982% | 200 |
| Total risk-based capital ratio | 43.1581% | 203 |
| Memoranda: | ||
| Average total assets | $21,382,330 | 5,962 |
| Average earning assets | $20,714,670 | 5,927 |
| Average equity | $4,884,670 | 5,602 |
| Average total loans | $15,968,000 | 5,765 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2804% | 2,198 |
| Cost of funding earning assets | 0.3502% | 3,594 |
| Net interest margin | 3.9302% | 1,845 |
| Noninterest income to average assets | 0.0379% | 6,000 |
| Noninterest expense to average assets | 3.5252% | 1,143 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3032% | 5,295 |
| Return on assets (ROA) | 0.3032% | 5,377 |
| Pretax return on assets | 0.3412% | 5,423 |
| Return on Equity (ROE) | 1.3190% | 5,641 |
| Retained earnings to average equity (ytd only) | 1.3190% | 4,731 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1765% | 598 |
| Assets per employee ($millions) | 4.2192% | 3,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2595% | 6,021 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,630 |
| Noncurrent assets plus other real estate owned to assets | 0.1943% | 4,787 |
| Noncurrent loans to loans | 0.2595% | 4,509 |
| Net loans and leases to total assets | 74.6966% | 1,615 |
| Net loans and leases to deposits | 97.2836% | 818 |
| Net loans and leases to core deposits | 100.3822% | 1,451 |
| Total domestic deposits to total assets | 76.7823% | 5,321 |
| Equity capital to assets | 23.1323% | 126 |
| Core capital (leverage) ratio | 22.9048% | 119 |
| Tier 1 risk-based capital ratio | 44.4050% | 185 |
| Total risk-based capital ratio | 44.7786% | 194 |
| Memoranda: | ||
| Average total assets | $21,105,000 | 6,025 |
| Average earning assets | $20,559,000 | 5,993 |
| Average equity | $4,852,000 | 5,650 |
| Average total loans | $15,756,500 | 5,827 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3132% | 2,184 |
| Cost of funding earning assets | 0.3611% | 3,571 |
| Net interest margin | 3.9522% | 1,862 |
| Noninterest income to average assets | -0.0708% | 6,135 |
| Noninterest expense to average assets | 3.5223% | 1,256 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.1745% | 5,635 |
| Return on assets (ROA) | 0.3211% | 5,378 |
| Pretax return on assets | 0.3305% | 5,458 |
| Return on Equity (ROE) | 1.4086% | 5,699 |
| Retained earnings to average equity (ytd only) | 1.4086% | 4,923 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1531% | 436 |
| Assets per employee ($millions) | 4.2228% | 3,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2609% | 6,075 |
| Loan loss allowance to noncurrent loans | 97.6190% | 3,737 |
| Noncurrent assets plus other real estate owned to assets | 0.1989% | 4,797 |
| Noncurrent loans to loans | 0.2673% | 4,486 |
| Net loans and leases to total assets | 74.2304% | 1,691 |
| Net loans and leases to deposits | 96.4374% | 969 |
| Net loans and leases to core deposits | 99.4985% | 1,552 |
| Total domestic deposits to total assets | 76.9726% | 5,316 |
| Equity capital to assets | 22.8474% | 124 |
| Core capital (leverage) ratio | 23.0258% | 114 |
| Tier 1 risk-based capital ratio | 44.3808% | 179 |
| Total risk-based capital ratio | 44.7536% | 185 |
| Memoranda: | ||
| Average total assets | $21,179,400 | 6,082 |
| Average earning assets | $20,216,800 | 6,059 |
| Average equity | $4,827,400 | 5,690 |
| Average total loans | $14,824,400 | 5,898 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3259% | 2,151 |
| Cost of funding earning assets | 0.3577% | 3,669 |
| Net interest margin | 3.9682% | 1,813 |
| Noninterest income to average assets | -0.0944% | 6,233 |
| Noninterest expense to average assets | 3.4849% | 1,315 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.1822% | 5,709 |
| Return on assets (ROA) | 0.3774% | 5,319 |
| Pretax return on assets | 0.3900% | 5,480 |
| Return on Equity (ROE) | 1.6569% | 5,741 |
| Retained earnings to average equity (ytd only) | 1.6569% | 5,036 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8630% | 457 |
| Assets per employee ($millions) | 4.2188% | 3,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2696% | 6,154 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 71.8877% | 2,079 |
| Net loans and leases to deposits | 93.4377% | 1,264 |
| Net loans and leases to core deposits | 96.4079% | 1,850 |
| Total domestic deposits to total assets | 76.9366% | 5,350 |
| Equity capital to assets | 22.8406% | 133 |
| Core capital (leverage) ratio | 23.1098% | 118 |
| Tier 1 risk-based capital ratio | 45.4562% | 180 |
| Total risk-based capital ratio | 45.8388% | 186 |
| Memoranda: | ||
| Average total assets | $21,195,750 | 6,166 |
| Average earning assets | $20,126,250 | 6,144 |
| Average equity | $4,828,250 | 5,765 |
| Average total loans | $14,602,000 | 5,979 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3370% | 2,061 |
| Cost of funding earning assets | 0.3598% | 3,706 |
| Net interest margin | 3.9773% | 1,712 |
| Noninterest income to average assets | -0.1413% | 6,311 |
| Noninterest expense to average assets | 3.5422% | 1,234 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.0656% | 5,917 |
| Return on assets (ROA) | 0.3580% | 5,382 |
| Pretax return on assets | 0.3674% | 5,547 |
| Return on Equity (ROE) | 1.5730% | 5,785 |
| Retained earnings to average equity (ytd only) | 1.5730% | 4,916 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.1723% | 373 |
| Assets per employee ($millions) | 3.5475% | 4,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2728% | 6,224 |
| Loan loss allowance to noncurrent loans | 820.0000% | 665 |
| Noncurrent assets plus other real estate owned to assets | 0.0235% | 5,798 |
| Noncurrent loans to loans | 0.0333% | 5,617 |
| Net loans and leases to total assets | 70.4158% | 2,256 |
| Net loans and leases to deposits | 90.9908% | 1,488 |
| Net loans and leases to core deposits | 93.8392% | 1,972 |
| Total domestic deposits to total assets | 77.3878% | 5,391 |
| Equity capital to assets | 22.4195% | 138 |
| Core capital (leverage) ratio | 22.9273% | 118 |
| Tier 1 risk-based capital ratio | 43.6894% | 210 |
| Total risk-based capital ratio | 44.0575% | 220 |
| Memoranda: | ||
| Average total assets | $21,229,670 | 6,241 |
| Average earning assets | $20,013,670 | 6,219 |
| Average equity | $4,831,670 | 5,822 |
| Average total loans | $14,401,000 | 6,047 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3387% | 1,972 |
| Cost of funding earning assets | 0.3616% | 3,736 |
| Net interest margin | 3.9771% | 1,634 |
| Noninterest income to average assets | 0.0000% | 6,328 |
| Noninterest expense to average assets | 3.6978% | 1,015 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.0189% | 5,994 |
| Return on assets (ROA) | 0.0189% | 6,033 |
| Pretax return on assets | 0.0377% | 6,009 |
| Return on Equity (ROE) | 0.0823% | 6,046 |
| Retained earnings to average equity (ytd only) | 0.0823% | 5,344 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.9899% | 396 |
| Assets per employee ($millions) | 3.5207% | 4,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2881% | 6,298 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3550% | 4,587 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 67.1795% | 2,581 |
| Net loans and leases to deposits | 87.1415% | 1,713 |
| Net loans and leases to core deposits | 89.9018% | 2,141 |
| Total domestic deposits to total assets | 77.0924% | 5,599 |
| Equity capital to assets | 22.7372% | 134 |
| Core capital (leverage) ratio | 22.6010% | 123 |
| Tier 1 risk-based capital ratio | 42.0845% | 232 |
| Total risk-based capital ratio | 42.4445% | 245 |
| Memoranda: | ||
| Average total assets | $21,202,000 | 6,305 |
| Average earning assets | $19,914,000 | 6,283 |
| Average equity | $4,861,500 | 5,866 |
| Average total loans | $14,087,000 | 6,109 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3673% | 2,333 |
| Cost of funding earning assets | 0.3100% | 4,683 |
| Net interest margin | 4.0572% | 1,713 |
| Noninterest income to average assets | 0.0000% | 6,390 |
| Noninterest expense to average assets | 3.9373% | 818 |
| Loan and lease loss provision to assets | 0.1759% | 1,467 |
| Net operating income to assets | -0.4103% | 6,276 |
| Return on assets (ROA) | -0.4103% | 6,277 |
| Pretax return on assets | -0.4055% | 6,255 |
| Return on Equity (ROE) | -1.6912% | 6,194 |
| Retained earnings to average equity (ytd only) | -1.6912% | 5,982 |
| Net charge-offs to loans | 0.3643% | 1,195 |
| Credit loss provision to net charge-offs | 70.5882% | 3,061 |
| Earnings coverage of net charge-offs (x) | -0.9216% | 4,793 |
| Efficiency ratio | 106.1924% | 259 |
| Assets per employee ($millions) | 3.5467% | 4,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2941% | 6,387 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3524% | 4,646 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 65.3242% | 2,999 |
| Net loans and leases to deposits | 85.2613% | 2,069 |
| Net loans and leases to core deposits | 87.9587% | 2,506 |
| Total domestic deposits to total assets | 76.6165% | 5,655 |
| Equity capital to assets | 23.1203% | 127 |
| Core capital (leverage) ratio | 22.6345% | 128 |
| Tier 1 risk-based capital ratio | 44.7570% | 183 |
| Total risk-based capital ratio | 45.1402% | 186 |
| Memoranda: | ||
| Average total assets | $20,470,800 | 6,406 |
| Average earning assets | $18,707,400 | 6,388 |
| Average equity | $4,966,800 | 5,859 |
| Average total loans | $14,000,200 | 6,192 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3849% | 2,272 |
| Cost of funding earning assets | 0.2972% | 4,910 |
| Net interest margin | 4.0877% | 1,614 |
| Noninterest income to average assets | 0.0000% | 6,477 |
| Noninterest expense to average assets | 3.7561% | 1,029 |
| Loan and lease loss provision to assets | 0.1908% | 1,267 |
| Net operating income to assets | -0.2368% | 6,284 |
| Return on assets (ROA) | -0.2368% | 6,286 |
| Pretax return on assets | -0.2368% | 6,269 |
| Return on Equity (ROE) | -0.9641% | 6,222 |
| Retained earnings to average equity (ytd only) | -0.9641% | 5,956 |
| Net charge-offs to loans | 0.3330% | 1,203 |
| Credit loss provision to net charge-offs | 82.8571% | 2,547 |
| Earnings coverage of net charge-offs (x) | -0.1999% | 4,475 |
| Efficiency ratio | 101.2411% | 341 |
| Assets per employee ($millions) | 3.5175% | 4,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3531% | 6,434 |
| Loan loss allowance to noncurrent loans | 79.3651% | 4,209 |
| Noncurrent assets plus other real estate owned to assets | 0.7297% | 3,629 |
| Noncurrent loans to loans | 0.4449% | 4,567 |
| Net loans and leases to total assets | 66.8657% | 2,708 |
| Net loans and leases to deposits | 87.7121% | 1,706 |
| Net loans and leases to core deposits | 87.7121% | 2,464 |
| Total domestic deposits to total assets | 76.2331% | 5,781 |
| Equity capital to assets | 23.5110% | 122 |
| Core capital (leverage) ratio | 23.0663% | 122 |
| Tier 1 risk-based capital ratio | 43.9880% | 188 |
| Total risk-based capital ratio | 44.4424% | 196 |
| Memoranda: | ||
| Average total assets | $20,268,500 | 6,482 |
| Average earning assets | $18,396,000 | 6,467 |
| Average equity | $4,978,500 | 5,918 |
| Average total loans | $14,014,750 | 6,258 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4046% | 2,163 |
| Cost of funding earning assets | 0.2842% | 5,141 |
| Net interest margin | 4.1204% | 1,450 |
| Noninterest income to average assets | 0.0000% | 6,545 |
| Noninterest expense to average assets | 3.8520% | 906 |
| Loan and lease loss provision to assets | 0.1301% | 1,898 |
| Net operating income to assets | -0.2201% | 6,330 |
| Return on assets (ROA) | -0.2201% | 6,340 |
| Pretax return on assets | -0.2101% | 6,320 |
| Return on Equity (ROE) | -0.8828% | 6,268 |
| Retained earnings to average equity (ytd only) | -0.8828% | 5,836 |
| Net charge-offs to loans | 0.5012% | 806 |
| Credit loss provision to net charge-offs | 37.1429% | 2,966 |
| Earnings coverage of net charge-offs (x) | -0.2286% | 4,156 |
| Efficiency ratio | 102.1220% | 352 |
| Assets per employee ($millions) | 3.4398% | 4,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2436% | 6,558 |
| Loan loss allowance to noncurrent loans | 22.5166% | 5,954 |
| Noncurrent assets plus other real estate owned to assets | 0.7316% | 3,779 |
| Noncurrent loans to loans | 1.0817% | 3,065 |
| Net loans and leases to total assets | 67.4742% | 2,504 |
| Net loans and leases to deposits | 89.1207% | 1,464 |
| Net loans and leases to core deposits | 89.1207% | 2,201 |
| Total domestic deposits to total assets | 75.7110% | 5,951 |
| Equity capital to assets | 24.1097% | 107 |
| Core capital (leverage) ratio | 23.6584% | 106 |
| Tier 1 risk-based capital ratio | 45.1199% | 176 |
| Total risk-based capital ratio | 45.4360% | 181 |
| Memoranda: | ||
| Average total assets | $19,989,670 | 6,553 |
| Average earning assets | $18,299,000 | 6,533 |
| Average equity | $4,984,000 | 5,960 |
| Average total loans | $13,965,670 | 6,318 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4819% | 1,865 |
| Cost of funding earning assets | 0.2636% | 5,456 |
| Net interest margin | 4.2183% | 1,165 |
| Noninterest income to average assets | 0.0000% | 6,595 |
| Noninterest expense to average assets | 4.0478% | 717 |
| Loan and lease loss provision to assets | 0.2644% | 792 |
| Net operating income to assets | -0.4272% | 6,441 |
| Return on assets (ROA) | -0.4272% | 6,444 |
| Pretax return on assets | -0.4068% | 6,430 |
| Return on Equity (ROE) | -1.6840% | 6,341 |
| Retained earnings to average equity (ytd only) | -1.6840% | 5,821 |
| Net charge-offs to loans | 1.0023% | 335 |
| Credit loss provision to net charge-offs | 37.1429% | 2,330 |
| Earnings coverage of net charge-offs (x) | -0.2000% | 3,450 |
| Efficiency ratio | 103.6458% | 384 |
| Assets per employee ($millions) | 3.2730% | 5,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2430% | 6,625 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 71.0816% | 1,715 |
| Net loans and leases to deposits | 95.3614% | 693 |
| Net loans and leases to core deposits | 95.3614% | 1,439 |
| Total domestic deposits to total assets | 74.5392% | 6,195 |
| Equity capital to assets | 25.3488% | 95 |
| Core capital (leverage) ratio | 24.8821% | 90 |
| Tier 1 risk-based capital ratio | 45.8286% | 165 |
| Total risk-based capital ratio | 46.1495% | 175 |
| Memoranda: | ||
| Average total assets | $19,665,000 | 6,627 |
| Average earning assets | $18,206,500 | 6,604 |
| Average equity | $4,988,000 | 6,001 |
| Average total loans | $13,968,500 | 6,381 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5541% | 2,017 |
| Cost of funding earning assets | 0.2974% | 5,620 |
| Net interest margin | 4.2567% | 1,203 |
| Noninterest income to average assets | 0.0000% | 6,646 |
| Noninterest expense to average assets | 4.0492% | 828 |
| Loan and lease loss provision to assets | 0.6154% | 400 |
| Net operating income to assets | -0.5608% | 6,512 |
| Return on assets (ROA) | -0.2741% | 6,424 |
| Pretax return on assets | -0.3258% | 6,421 |
| Return on Equity (ROE) | -1.0495% | 6,329 |
| Retained earnings to average equity (ytd only) | -1.0495% | 6,071 |
| Net charge-offs to loans | 0.5886% | 1,122 |
| Credit loss provision to net charge-offs | 152.5641% | 1,519 |
| Earnings coverage of net charge-offs (x) | -0.1282% | 5,124 |
| Efficiency ratio | 101.2937% | 443 |
| Assets per employee ($millions) | 3.2820% | 5,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4016% | 6,640 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7363% | 4,038 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 70.5261% | 1,931 |
| Net loans and leases to deposits | 94.9282% | 807 |
| Net loans and leases to core deposits | 94.9282% | 1,531 |
| Total domestic deposits to total assets | 74.2941% | 6,256 |
| Equity capital to assets | 25.3809% | 89 |
| Core capital (leverage) ratio | 24.9157% | 90 |
| Tier 1 risk-based capital ratio | 45.4936% | 166 |
| Total risk-based capital ratio | 46.0160% | 170 |
| Memoranda: | ||
| Average total assets | $19,337,200 | 6,712 |
| Average earning assets | $18,159,600 | 6,680 |
| Average equity | $5,050,000 | 6,050 |
| Average total loans | $13,252,600 | 6,479 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5001% | 2,227 |
| Cost of funding earning assets | 0.3073% | 5,671 |
| Net interest margin | 4.1928% | 1,362 |
| Noninterest income to average assets | 0.0000% | 6,739 |
| Noninterest expense to average assets | 3.8790% | 991 |
| Loan and lease loss provision to assets | 0.8243% | 227 |
| Net operating income to assets | -0.5140% | 6,604 |
| Return on assets (ROA) | -0.1939% | 6,485 |
| Pretax return on assets | -0.2771% | 6,506 |
| Return on Equity (ROE) | -0.7373% | 6,405 |
| Retained earnings to average equity (ytd only) | -0.7373% | 6,089 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.7312% | 537 |
| Assets per employee ($millions) | 3.2493% | 5,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9617% | 5,875 |
| Loan loss allowance to noncurrent loans | 62.3256% | 4,722 |
| Noncurrent assets plus other real estate owned to assets | 1.1028% | 3,449 |
| Noncurrent loans to loans | 1.5430% | 2,851 |
| Net loans and leases to total assets | 70.7838% | 1,821 |
| Net loans and leases to deposits | 95.7004% | 714 |
| Net loans and leases to core deposits | 95.7004% | 1,417 |
| Total domestic deposits to total assets | 73.9639% | 6,372 |
| Equity capital to assets | 25.7643% | 85 |
| Core capital (leverage) ratio | 25.2505% | 83 |
| Tier 1 risk-based capital ratio | 45.8329% | 162 |
| Total risk-based capital ratio | 47.0798% | 163 |
| Memoranda: | ||
| Average total assets | $19,248,500 | 6,789 |
| Average earning assets | $18,221,250 | 6,755 |
| Average equity | $5,063,000 | 6,121 |
| Average total loans | $13,079,750 | 6,553 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5332% | 2,075 |
| Cost of funding earning assets | 0.3214% | 5,650 |
| Net interest margin | 4.2118% | 1,248 |
| Noninterest income to average assets | 0.0000% | 6,784 |
| Noninterest expense to average assets | 3.8819% | 1,001 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.0835% | 6,171 |
| Return on assets (ROA) | 0.7722% | 3,602 |
| Pretax return on assets | 0.7722% | 4,423 |
| Return on Equity (ROE) | 2.9155% | 5,651 |
| Retained earnings to average equity (ytd only) | 2.9155% | 4,457 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.8947% | 572 |
| Assets per employee ($millions) | 3.2167% | 5,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1132% | 6,860 |
| Loan loss allowance to noncurrent loans | 27.7778% | 6,097 |
| Noncurrent assets plus other real estate owned to assets | 0.2798% | 5,649 |
| Noncurrent loans to loans | 0.4076% | 5,243 |
| Net loans and leases to total assets | 68.5648% | 2,135 |
| Net loans and leases to deposits | 93.5856% | 837 |
| Net loans and leases to core deposits | 93.5856% | 1,557 |
| Total domestic deposits to total assets | 73.2642% | 6,492 |
| Equity capital to assets | 26.5544% | 76 |
| Core capital (leverage) ratio | 26.1296% | 76 |
| Tier 1 risk-based capital ratio | 48.1884% | 140 |
| Total risk-based capital ratio | 48.3325% | 148 |
| Memoranda: | ||
| Average total assets | $19,166,000 | 6,838 |
| Average earning assets | $18,044,670 | 6,806 |
| Average equity | $5,076,330 | 6,161 |
| Average total loans | $12,795,000 | 6,602 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6168% | 1,780 |
| Cost of funding earning assets | 0.3346% | 5,680 |
| Net interest margin | 4.2822% | 999 |
| Noninterest income to average assets | 0.0000% | 6,849 |
| Noninterest expense to average assets | 3.9793% | 906 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0419% | 6,273 |
| Return on assets (ROA) | 0.0419% | 6,357 |
| Pretax return on assets | 0.0419% | 6,355 |
| Return on Equity (ROE) | 0.1584% | 6,397 |
| Retained earnings to average equity (ytd only) | 0.1584% | 5,731 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.9583% | 587 |
| Assets per employee ($millions) | 3.2038% | 5,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1195% | 6,934 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 65.2448% | 2,504 |
| Net loans and leases to deposits | 88.6298% | 1,085 |
| Net loans and leases to core deposits | 88.6298% | 1,843 |
| Total domestic deposits to total assets | 73.6149% | 6,561 |
| Equity capital to assets | 26.2862% | 80 |
| Core capital (leverage) ratio | 25.8581% | 80 |
| Tier 1 risk-based capital ratio | 49.3066% | 139 |
| Total risk-based capital ratio | 49.4563% | 143 |
| Memoranda: | ||
| Average total assets | $19,099,000 | 6,912 |
| Average earning assets | $17,934,500 | 6,882 |
| Average equity | $5,052,000 | 6,232 |
| Average total loans | $12,568,500 | 6,675 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6874% | 2,643 |
| Cost of funding earning assets | 0.4340% | 5,690 |
| Net interest margin | 4.2534% | 1,513 |
| Noninterest income to average assets | 0.0000% | 6,818 |
| Noninterest expense to average assets | 3.8752% | 1,125 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.1386% | 5,917 |
| Return on assets (ROA) | 0.1386% | 6,073 |
| Pretax return on assets | 0.1488% | 6,069 |
| Return on Equity (ROE) | 0.5354% | 6,212 |
| Retained earnings to average equity (ytd only) | 0.5354% | 5,579 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.3010% | 698 |
| Assets per employee ($millions) | 3.1625% | 5,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1192% | 6,984 |
| Loan loss allowance to noncurrent loans | 150.0000% | 2,374 |
| Noncurrent assets plus other real estate owned to assets | 0.0527% | 6,500 |
| Noncurrent loans to loans | 0.0795% | 6,286 |
| Net loans and leases to total assets | 66.2187% | 2,494 |
| Net loans and leases to deposits | 90.5716% | 1,019 |
| Net loans and leases to core deposits | 90.5716% | 1,768 |
| Total domestic deposits to total assets | 73.1120% | 6,609 |
| Equity capital to assets | 26.6192% | 82 |
| Core capital (leverage) ratio | 26.1874% | 82 |
| Tier 1 risk-based capital ratio | 49.3014% | 143 |
| Total risk-based capital ratio | 49.4511% | 147 |
| Memoranda: | ||
| Average total assets | $19,482,800 | 6,962 |
| Average earning assets | $18,432,200 | 6,932 |
| Average equity | $5,043,000 | 6,277 |
| Average total loans | $12,284,800 | 6,770 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6331% | 3,086 |
| Cost of funding earning assets | 0.4511% | 5,790 |
| Net interest margin | 4.1820% | 1,788 |
| Noninterest income to average assets | 0.0000% | 6,935 |
| Noninterest expense to average assets | 3.7123% | 1,347 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.2584% | 5,759 |
| Return on assets (ROA) | 0.2584% | 5,951 |
| Pretax return on assets | 0.2584% | 6,024 |
| Return on Equity (ROE) | 1.0052% | 6,248 |
| Retained earnings to average equity (ytd only) | 1.0052% | 5,767 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4932% | 808 |
| Assets per employee ($millions) | 3.2022% | 5,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1190% | 7,098 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2498% | 6,075 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 65.5181% | 2,734 |
| Net loans and leases to deposits | 89.2386% | 1,235 |
| Net loans and leases to core deposits | 89.2386% | 2,080 |
| Total domestic deposits to total assets | 73.4190% | 6,644 |
| Equity capital to assets | 26.3467% | 96 |
| Core capital (leverage) ratio | 25.9188% | 89 |
| Tier 1 risk-based capital ratio | 47.3372% | 152 |
| Total risk-based capital ratio | 47.4806% | 163 |
| Memoranda: | ||
| Average total assets | $19,609,750 | 7,054 |
| Average earning assets | $18,619,250 | 7,019 |
| Average equity | $5,041,000 | 6,349 |
| Average total loans | $12,211,000 | 6,863 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5252% | 3,664 |
| Cost of funding earning assets | 0.4791% | 5,762 |
| Net interest margin | 4.0461% | 2,313 |
| Noninterest income to average assets | 0.0000% | 6,985 |
| Noninterest expense to average assets | 3.6065% | 1,566 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2431% | 5,787 |
| Return on assets (ROA) | 0.2431% | 5,974 |
| Pretax return on assets | 0.2431% | 6,071 |
| Return on Equity (ROE) | 0.9535% | 6,305 |
| Retained earnings to average equity (ytd only) | 0.9535% | 5,688 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6842% | 823 |
| Assets per employee ($millions) | 3.2487% | 5,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1249% | 7,162 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3386% | 5,915 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 61.5535% | 3,520 |
| Net loans and leases to deposits | 83.2847% | 1,947 |
| Net loans and leases to core deposits | 83.2847% | 2,789 |
| Total domestic deposits to total assets | 73.9072% | 6,688 |
| Equity capital to assets | 25.8978% | 97 |
| Core capital (leverage) ratio | 25.4696% | 94 |
| Tier 1 risk-based capital ratio | 47.5851% | 146 |
| Total risk-based capital ratio | 47.7297% | 154 |
| Memoranda: | ||
| Average total assets | $19,742,000 | 7,110 |
| Average earning assets | $18,783,670 | 7,075 |
| Average equity | $5,034,000 | 6,381 |
| Average total loans | $12,080,330 | 6,921 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4456% | 4,135 |
| Cost of funding earning assets | 0.5081% | 5,763 |
| Net interest margin | 3.9375% | 2,776 |
| Noninterest income to average assets | 0.0000% | 7,087 |
| Noninterest expense to average assets | 3.6241% | 1,513 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1208% | 6,192 |
| Return on assets (ROA) | 0.1208% | 6,321 |
| Pretax return on assets | 0.1208% | 6,349 |
| Return on Equity (ROE) | 0.4774% | 6,448 |
| Retained earnings to average equity (ytd only) | 0.4774% | 5,846 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7742% | 685 |
| Assets per employee ($millions) | 3.2778% | 5,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1246% | 7,218 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3356% | 6,041 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 61.1278% | 3,423 |
| Net loans and leases to deposits | 82.2861% | 1,895 |
| Net loans and leases to core deposits | 82.2861% | 2,789 |
| Total domestic deposits to total assets | 74.2869% | 6,719 |
| Equity capital to assets | 25.5758% | 92 |
| Core capital (leverage) ratio | 25.1496% | 96 |
| Tier 1 risk-based capital ratio | 47.3249% | 141 |
| Total risk-based capital ratio | 47.4692% | 149 |
| Memoranda: | ||
| Average total assets | $19,867,000 | 7,171 |
| Average earning assets | $18,895,000 | 7,132 |
| Average equity | $5,027,000 | 6,419 |
| Average total loans | $12,114,000 | 6,977 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0821% | 6,306 |
| Cost of funding earning assets | 0.7122% | 5,454 |
| Net interest margin | 3.3699% | 5,580 |
| Noninterest income to average assets | 0.1136% | 6,582 |
| Noninterest expense to average assets | 3.2585% | 2,660 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.0938% | 5,877 |
| Return on assets (ROA) | 0.0938% | 5,993 |
| Pretax return on assets | 0.0790% | 6,003 |
| Return on Equity (ROE) | 0.3787% | 6,090 |
| Retained earnings to average equity (ytd only) | 0.3787% | 5,660 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.6331% | 744 |
| Assets per employee ($millions) | 3.3445% | 5,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1230% | 7,277 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3289% | 6,150 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 60.6767% | 3,850 |
| Net loans and leases to deposits | 81.2166% | 2,325 |
| Net loans and leases to core deposits | 81.2166% | 3,298 |
| Total domestic deposits to total assets | 74.7097% | 6,647 |
| Equity capital to assets | 25.0361% | 104 |
| Core capital (leverage) ratio | 24.6154% | 107 |
| Tier 1 risk-based capital ratio | 56.8453% | 106 |
| Total risk-based capital ratio | 57.0189% | 109 |
| Memoranda: | ||
| Average total assets | $20,254,800 | 7,202 |
| Average earning assets | $19,377,200 | 7,155 |
| Average equity | $5,017,000 | 6,441 |
| Average total loans | $12,041,000 | 7,029 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9981% | 6,593 |
| Cost of funding earning assets | 0.7530% | 5,453 |
| Net interest margin | 3.2450% | 6,031 |
| Noninterest income to average assets | 0.1314% | 6,595 |
| Noninterest expense to average assets | 3.0867% | 3,217 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.1905% | 5,725 |
| Return on assets (ROA) | 0.1905% | 5,856 |
| Pretax return on assets | 0.1576% | 5,982 |
| Return on Equity (ROE) | 0.7710% | 6,110 |
| Retained earnings to average equity (ytd only) | 0.7710% | 5,704 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1417% | 860 |
| Assets per employee ($millions) | 3.3245% | 5,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1218% | 7,351 |
| Loan loss allowance to noncurrent loans | 7.0755% | 6,922 |
| Noncurrent assets plus other real estate owned to assets | 1.3937% | 4,037 |
| Noncurrent loans to loans | 1.7218% | 3,732 |
| Net loans and leases to total assets | 61.6534% | 3,805 |
| Net loans and leases to deposits | 82.7034% | 2,225 |
| Net loans and leases to core deposits | 82.7034% | 3,226 |
| Total domestic deposits to total assets | 74.5476% | 6,699 |
| Equity capital to assets | 25.2269% | 117 |
| Core capital (leverage) ratio | 24.8046% | 114 |
| Tier 1 risk-based capital ratio | 54.5273% | 128 |
| Total risk-based capital ratio | 54.6936% | 133 |
| Memoranda: | ||
| Average total assets | $20,301,750 | 7,277 |
| Average earning assets | $19,475,500 | 7,224 |
| Average equity | $5,015,250 | 6,497 |
| Average total loans | $12,003,500 | 7,102 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9992% | 6,658 |
| Cost of funding earning assets | 0.8060% | 5,325 |
| Net interest margin | 3.1932% | 6,181 |
| Noninterest income to average assets | 0.1175% | 6,745 |
| Noninterest expense to average assets | 3.0656% | 3,374 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.1175% | 5,970 |
| Return on assets (ROA) | 0.1175% | 6,058 |
| Pretax return on assets | 0.1175% | 6,074 |
| Return on Equity (ROE) | 0.4791% | 6,197 |
| Retained earnings to average equity (ytd only) | 0.4791% | 5,658 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.3077% | 865 |
| Assets per employee ($millions) | 4.0136% | 3,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1248% | 7,416 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3289% | 6,309 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 59.8216% | 4,303 |
| Net loans and leases to deposits | 79.9427% | 2,814 |
| Net loans and leases to core deposits | 79.9427% | 3,794 |
| Total domestic deposits to total assets | 74.8306% | 6,750 |
| Equity capital to assets | 24.9900% | 126 |
| Core capital (leverage) ratio | 24.5879% | 119 |
| Tier 1 risk-based capital ratio | 55.1957% | 125 |
| Total risk-based capital ratio | 55.3644% | 133 |
| Memoranda: | ||
| Average total assets | $20,420,000 | 7,337 |
| Average earning assets | $19,604,000 | 7,292 |
| Average equity | $5,009,670 | 6,526 |
| Average total loans | $11,900,330 | 7,178 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9174% | 6,805 |
| Cost of funding earning assets | 0.8683% | 5,150 |
| Net interest margin | 3.0491% | 6,461 |
| Noninterest income to average assets | 0.1942% | 6,335 |
| Noninterest expense to average assets | 2.9715% | 3,758 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.1554% | 5,923 |
| Return on assets (ROA) | 0.1554% | 5,982 |
| Pretax return on assets | 0.1554% | 6,041 |
| Return on Equity (ROE) | 0.6391% | 6,237 |
| Retained earnings to average equity (ytd only) | 0.6391% | 5,576 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0311% | 979 |
| Assets per employee ($millions) | 4.0996% | 3,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1228% | 7,469 |
| Loan loss allowance to noncurrent loans | 18.0723% | 6,833 |
| Noncurrent assets plus other real estate owned to assets | 0.4049% | 6,193 |
| Noncurrent loans to loans | 0.6797% | 5,663 |
| Net loans and leases to total assets | 59.4985% | 4,362 |
| Net loans and leases to deposits | 78.8670% | 2,918 |
| Net loans and leases to core deposits | 78.8670% | 3,914 |
| Total domestic deposits to total assets | 75.4415% | 6,746 |
| Equity capital to assets | 24.4463% | 126 |
| Core capital (leverage) ratio | 24.0498% | 122 |
| Tier 1 risk-based capital ratio | 54.4043% | 130 |
| Total risk-based capital ratio | 54.5707% | 136 |
| Memoranda: | ||
| Average total assets | $20,596,000 | 7,390 |
| Average earning assets | $19,809,000 | 7,347 |
| Average equity | $5,007,000 | 6,560 |
| Average total loans | $11,840,500 | 7,233 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8294% | 7,238 |
| Cost of funding earning assets | 1.1140% | 5,058 |
| Net interest margin | 2.7154% | 7,108 |
| Noninterest income to average assets | 0.1102% | 6,847 |
| Noninterest expense to average assets | 3.3697% | 2,529 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | -0.5129% | 6,395 |
| Return on assets (ROA) | -0.5129% | 6,426 |
| Pretax return on assets | -0.6423% | 6,424 |
| Return on Equity (ROE) | -2.1199% | 6,183 |
| Retained earnings to average equity (ytd only) | -2.1199% | 5,982 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.5501% | 372 |
| Assets per employee ($millions) | 3.4490% | 5,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1308% | 7,546 |
| Loan loss allowance to noncurrent loans | 19.7368% | 6,820 |
| Noncurrent assets plus other real estate owned to assets | 0.3673% | 6,351 |
| Noncurrent loans to loans | 0.6626% | 5,720 |
| Net loans and leases to total assets | 55.3542% | 5,434 |
| Net loans and leases to deposits | 73.2651% | 4,318 |
| Net loans and leases to core deposits | 73.2651% | 5,073 |
| Total domestic deposits to total assets | 75.5533% | 6,691 |
| Equity capital to assets | 24.1761% | 133 |
| Core capital (leverage) ratio | 23.7820% | 139 |
| Tier 1 risk-based capital ratio | 55.3408% | 120 |
| Total risk-based capital ratio | 55.5103% | 129 |
| Memoranda: | ||
| Average total assets | $20,862,600 | 7,446 |
| Average earning assets | $20,107,800 | 7,400 |
| Average equity | $5,047,400 | 6,650 |
| Average total loans | $11,069,800 | 7,347 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7957% | 7,404 |
| Cost of funding earning assets | 1.1506% | 5,146 |
| Net interest margin | 2.6451% | 7,277 |
| Noninterest income to average assets | 0.1020% | 7,038 |
| Noninterest expense to average assets | 3.3803% | 2,355 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | -0.5421% | 6,623 |
| Return on assets (ROA) | -0.5421% | 6,679 |
| Pretax return on assets | -0.7271% | 6,697 |
| Return on Equity (ROE) | -2.2404% | 6,426 |
| Retained earnings to average equity (ytd only) | -2.2404% | 6,247 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.4038% | 321 |
| Assets per employee ($millions) | 3.4937% | 4,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1320% | 7,659 |
| Loan loss allowance to noncurrent loans | 28.3019% | 6,434 |
| Noncurrent assets plus other real estate owned to assets | 0.2528% | 6,735 |
| Noncurrent loans to loans | 0.4665% | 6,259 |
| Net loans and leases to total assets | 54.1313% | 5,833 |
| Net loans and leases to deposits | 71.5538% | 4,898 |
| Net loans and leases to core deposits | 71.5538% | 5,567 |
| Total domestic deposits to total assets | 75.6512% | 6,710 |
| Equity capital to assets | 23.9719% | 146 |
| Core capital (leverage) ratio | 23.5819% | 144 |
| Tier 1 risk-based capital ratio | 56.1993% | 125 |
| Total risk-based capital ratio | 56.3707% | 129 |
| Memoranda: | ||
| Average total assets | $20,904,750 | 7,538 |
| Average earning assets | $20,162,500 | 7,490 |
| Average equity | $5,058,500 | 6,732 |
| Average total loans | $10,969,750 | 7,446 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7832% | 7,493 |
| Cost of funding earning assets | 1.1816% | 5,228 |
| Net interest margin | 2.6016% | 7,346 |
| Noninterest income to average assets | 0.1053% | 7,072 |
| Noninterest expense to average assets | 3.3420% | 2,424 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -0.7278% | 6,824 |
| Return on assets (ROA) | -0.7278% | 6,837 |
| Pretax return on assets | -0.7278% | 6,742 |
| Return on Equity (ROE) | -2.9982% | 6,518 |
| Retained earnings to average equity (ytd only) | -2.9982% | 6,301 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.8388% | 329 |
| Assets per employee ($millions) | 3.4743% | 4,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1361% | 7,728 |
| Loan loss allowance to noncurrent loans | 68.1818% | 3,929 |
| Noncurrent assets plus other real estate owned to assets | 0.1055% | 7,125 |
| Noncurrent loans to loans | 0.1996% | 6,856 |
| Net loans and leases to total assets | 52.8063% | 6,130 |
| Net loans and leases to deposits | 69.7636% | 5,316 |
| Net loans and leases to core deposits | 69.7636% | 5,900 |
| Total domestic deposits to total assets | 75.6932% | 6,750 |
| Equity capital to assets | 24.1485% | 148 |
| Core capital (leverage) ratio | 23.8636% | 141 |
| Tier 1 risk-based capital ratio | 56.8740% | 124 |
| Total risk-based capital ratio | 57.0461% | 127 |
| Memoranda: | ||
| Average total assets | $20,885,670 | 7,602 |
| Average earning assets | $20,141,670 | 7,553 |
| Average equity | $5,069,670 | 6,754 |
| Average total loans | $10,839,000 | 7,512 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7041% | 7,636 |
| Cost of funding earning assets | 1.2083% | 5,354 |
| Net interest margin | 2.4958% | 7,481 |
| Noninterest income to average assets | 0.1339% | 7,016 |
| Noninterest expense to average assets | 3.4058% | 2,218 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.8610% | 7,043 |
| Return on assets (ROA) | -0.8610% | 7,071 |
| Pretax return on assets | -0.8610% | 6,985 |
| Return on Equity (ROE) | -3.5381% | 6,782 |
| Retained earnings to average equity (ytd only) | -3.5381% | 6,435 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.8346% | 300 |
| Assets per employee ($millions) | 3.4772% | 5,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1378% | 7,830 |
| Loan loss allowance to noncurrent loans | 8.7209% | 7,352 |
| Noncurrent assets plus other real estate owned to assets | 0.8244% | 5,504 |
| Noncurrent loans to loans | 1.5803% | 4,372 |
| Net loans and leases to total assets | 52.0970% | 6,260 |
| Net loans and leases to deposits | 68.8958% | 5,483 |
| Net loans and leases to core deposits | 68.8958% | 6,017 |
| Total domestic deposits to total assets | 75.6171% | 6,815 |
| Equity capital to assets | 24.2774% | 159 |
| Core capital (leverage) ratio | 23.9933% | 149 |
| Tier 1 risk-based capital ratio | 57.1641% | 120 |
| Total risk-based capital ratio | 57.3361% | 123 |
| Memoranda: | ||
| Average total assets | $20,905,500 | 7,703 |
| Average earning assets | $20,194,000 | 7,641 |
| Average equity | $5,087,500 | 6,821 |
| Average total loans | $10,747,000 | 7,613 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3789% | 7,499 |
| Cost of funding earning assets | 1.5573% | 5,244 |
| Net interest margin | 2.8216% | 7,023 |
| Noninterest income to average assets | 0.0750% | 7,379 |
| Noninterest expense to average assets | 3.4240% | 2,603 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | -0.5253% | 6,216 |
| Return on assets (ROA) | -0.5253% | 6,205 |
| Pretax return on assets | -0.6379% | 6,128 |
| Return on Equity (ROE) | -2.1672% | 5,884 |
| Retained earnings to average equity (ytd only) | -2.1672% | 5,553 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.8956% | 563 |
| Assets per employee ($millions) | 3.4913% | 5,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1414% | 7,900 |
| Loan loss allowance to noncurrent loans | 15.3061% | 7,247 |
| Noncurrent assets plus other real estate owned to assets | 0.5442% | 6,086 |
| Noncurrent loans to loans | 0.9237% | 5,465 |
| Net loans and leases to total assets | 50.5776% | 6,567 |
| Net loans and leases to deposits | 67.1632% | 5,926 |
| Net loans and leases to core deposits | 78.4408% | 6,230 |
| Total domestic deposits to total assets | 75.3055% | 6,807 |
| Equity capital to assets | 24.3937% | 177 |
| Core capital (leverage) ratio | 24.1112% | 169 |
| Tier 1 risk-based capital ratio | 55.0668% | 132 |
| Total risk-based capital ratio | 55.2309% | 135 |
| Memoranda: | ||
| Average total assets | $21,320,200 | 7,740 |
| Average earning assets | $20,484,600 | 7,693 |
| Average equity | $5,168,000 | 6,883 |
| Average total loans | $10,188,600 | 7,702 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4751% | 7,537 |
| Cost of funding earning assets | 1.6149% | 5,335 |
| Net interest margin | 2.8602% | 6,938 |
| Noninterest income to average assets | 0.0560% | 7,622 |
| Noninterest expense to average assets | 3.3872% | 2,618 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | -0.4296% | 6,357 |
| Return on assets (ROA) | -0.4296% | 6,356 |
| Pretax return on assets | -0.5853% | 6,378 |
| Return on Equity (ROE) | -1.7752% | 6,064 |
| Retained earnings to average equity (ytd only) | -1.7752% | 5,676 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.8889% | 576 |
| Assets per employee ($millions) | 3.5802% | 4,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1453% | 7,991 |
| Loan loss allowance to noncurrent loans | 18.7500% | 7,154 |
| Noncurrent assets plus other real estate owned to assets | 0.3724% | 6,547 |
| Noncurrent loans to loans | 0.7751% | 5,748 |
| Net loans and leases to total assets | 47.9773% | 6,961 |
| Net loans and leases to deposits | 63.3241% | 6,555 |
| Net loans and leases to core deposits | 74.8547% | 6,678 |
| Total domestic deposits to total assets | 75.7646% | 6,627 |
| Equity capital to assets | 23.9840% | 197 |
| Core capital (leverage) ratio | 23.7070% | 193 |
| Tier 1 risk-based capital ratio | 55.1462% | 139 |
| Total risk-based capital ratio | 55.3092% | 140 |
| Memoranda: | ||
| Average total assets | $21,413,250 | 7,809 |
| Average earning assets | $20,557,750 | 7,768 |
| Average equity | $5,182,500 | 6,941 |
| Average total loans | $10,083,250 | 7,779 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4452% | 7,675 |
| Cost of funding earning assets | 1.6633% | 5,455 |
| Net interest margin | 2.7819% | 7,048 |
| Noninterest income to average assets | 0.0841% | 7,558 |
| Noninterest expense to average assets | 3.3005% | 2,960 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.5423% | 6,590 |
| Return on assets (ROA) | -0.5423% | 6,597 |
| Pretax return on assets | -0.5423% | 6,465 |
| Return on Equity (ROE) | -2.2339% | 6,258 |
| Retained earnings to average equity (ytd only) | -2.2339% | 5,797 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.6610% | 672 |
| Assets per employee ($millions) | 3.5323% | 4,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1415% | 8,086 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 0.0236% | 7,566 |
| Noncurrent loans to loans | 0.0472% | 7,423 |
| Net loans and leases to total assets | 49.9528% | 6,877 |
| Net loans and leases to deposits | 66.2267% | 6,370 |
| Net loans and leases to core deposits | 77.0861% | 6,604 |
| Total domestic deposits to total assets | 75.4270% | 6,678 |
| Equity capital to assets | 24.3748% | 220 |
| Core capital (leverage) ratio | 24.1852% | 224 |
| Tier 1 risk-based capital ratio | 55.3295% | 149 |
| Total risk-based capital ratio | 55.4918% | 150 |
| Memoranda: | ||
| Average total assets | $21,390,670 | 7,890 |
| Average earning assets | $20,561,670 | 7,844 |
| Average equity | $5,192,670 | 6,997 |
| Average total loans | $10,004,000 | 7,862 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3803% | 7,809 |
| Cost of funding earning assets | 1.7056% | 5,576 |
| Net interest margin | 2.6747% | 7,259 |
| Noninterest income to average assets | 0.0372% | 7,893 |
| Noninterest expense to average assets | 3.2947% | 2,670 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.6887% | 7,045 |
| Return on assets (ROA) | -0.6887% | 7,083 |
| Pretax return on assets | -0.6887% | 6,961 |
| Return on Equity (ROE) | -2.8429% | 6,759 |
| Retained earnings to average equity (ytd only) | -2.8429% | 6,249 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.4286% | 542 |
| Assets per employee ($millions) | 3.5887% | 4,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1548% | 8,134 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 44.9424% | 7,270 |
| Net loans and leases to deposits | 59.3172% | 6,949 |
| Net loans and leases to core deposits | 67.8183% | 7,142 |
| Total domestic deposits to total assets | 75.7663% | 6,559 |
| Equity capital to assets | 24.0897% | 245 |
| Core capital (leverage) ratio | 23.9024% | 258 |
| Tier 1 risk-based capital ratio | 58.3475% | 147 |
| Total risk-based capital ratio | 58.5180% | 149 |
| Memoranda: | ||
| Average total assets | $21,489,000 | 7,938 |
| Average earning assets | $20,638,000 | 7,886 |
| Average equity | $5,206,000 | 7,053 |
| Average total loans | $9,705,000 | 7,924 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3027% | 8,063 |
| Cost of funding earning assets | 2.3417% | 4,959 |
| Net interest margin | 1.9610% | 8,088 |
| Noninterest income to average assets | 0.0824% | 7,729 |
| Noninterest expense to average assets | 3.1007% | 3,690 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -0.9527% | 7,224 |
| Return on assets (ROA) | -0.9527% | 7,144 |
| Pretax return on assets | -1.1313% | 7,078 |
| Return on Equity (ROE) | -3.9080% | 6,734 |
| Retained earnings to average equity (ytd only) | -3.9080% | 6,309 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 157.4419% | 320 |
| Assets per employee ($millions) | 3.5743% | 4,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1544% | 8,190 |
| Loan loss allowance to noncurrent loans | 107.1429% | 3,242 |
| Noncurrent assets plus other real estate owned to assets | 0.0653% | 7,302 |
| Noncurrent loans to loans | 0.1441% | 6,978 |
| Net loans and leases to total assets | 45.2439% | 7,390 |
| Net loans and leases to deposits | 59.9951% | 7,088 |
| Net loans and leases to core deposits | 68.0530% | 7,283 |
| Total domestic deposits to total assets | 75.4127% | 6,361 |
| Equity capital to assets | 24.3635% | 279 |
| Core capital (leverage) ratio | 24.3635% | 277 |
| Tier 1 risk-based capital ratio | 59.0395% | 160 |
| Total risk-based capital ratio | 59.2090% | 160 |
| Memoranda: | ||
| Average total assets | $21,833,800 | 7,953 |
| Average earning assets | $21,010,000 | 7,894 |
| Average equity | $5,322,400 | 7,034 |
| Average total loans | $8,936,600 | 7,989 |