Home > First Savanna Savings Bank > Performance and Condition Ratios
First Savanna Savings Bank, Performance and Condition Ratios
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2130% | 867 |
| Cost of funding earning assets | 0.5680% | 524 |
| Net interest margin | 3.6450% | 1,287 |
| Noninterest income to average assets | 0.2100% | 3,937 |
| Noninterest expense to average assets | 6.8117% | 148 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | -3.3848% | 4,743 |
| Return on assets (ROA) | -3.4129% | 4,741 |
| Pretax return on assets | -3.4129% | 4,740 |
| Return on Equity (ROE) | -88.2200% | 4,746 |
| Retained earnings to average equity (ytd only) | -88.2211% | 4,763 |
| Net charge-offs to loans | -0.0607% | 4,357 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 197.1545% | 24 |
| Assets per employee ($millions) | 2.1298% | 4,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7094% | 4,235 |
| Loan loss allowance to noncurrent loans | 32.8358% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 1.5730% | 205 |
| Noncurrent loans to loans | 2.1606% | 268 |
| Net loans and leases to total assets | 72.2900% | 1,259 |
| Net loans and leases to deposits | 74.6605% | 1,984 |
| Net loans and leases to core deposits | 74.6605% | 2,301 |
| Total domestic deposits to total assets | 96.8200% | 87 |
| Equity capital to assets | 2.4651% | 4,635 |
| Core capital (leverage) ratio | 2.5926% | 4,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 5.6789% | 3,119 |
| Memoranda: | ||
| Average total assets | $9,493,250 | 4,748 |
| Average earning assets | $8,449,750 | 4,722 |
| Average equity | $367,250 | 4,747 |
| Average total loans | $6,593,250 | 4,641 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9530% | 1,017 |
| Cost of funding earning assets | 0.5452% | 404 |
| Net interest margin | 3.4078% | 1,582 |
| Noninterest income to average assets | 0.1833% | 4,088 |
| Noninterest expense to average assets | 5.8668% | 134 |
| Loan and lease loss provision to assets | 0.0407% | 1,851 |
| Net operating income to assets | -2.6686% | 4,745 |
| Return on assets (ROA) | -2.7093% | 4,742 |
| Pretax return on assets | -2.7093% | 4,737 |
| Return on Equity (ROE) | -63.3836% | 4,766 |
| Retained earnings to average equity (ytd only) | -63.3836% | 4,762 |
| Net charge-offs to loans | -0.0892% | 4,410 |
| Credit loss provision to net charge-offs | -66.6667% | 3,062 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 181.1321% | 28 |
| Assets per employee ($millions) | 2.3648% | 4,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6750% | 4,377 |
| Loan loss allowance to noncurrent loans | 21.1538% | 3,971 |
| Noncurrent assets plus other real estate owned to assets | 2.1990% | 109 |
| Noncurrent loans to loans | 3.1907% | 153 |
| Net loans and leases to total assets | 68.4533% | 1,441 |
| Net loans and leases to deposits | 71.3971% | 2,076 |
| Net loans and leases to core deposits | 71.3971% | 2,383 |
| Total domestic deposits to total assets | 95.8769% | 90 |
| Equity capital to assets | 3.6156% | 4,658 |
| Core capital (leverage) ratio | 3.6725% | 4,771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 7.6303% | 3,089 |
| Memoranda: | ||
| Average total assets | $9,818,000 | 4,773 |
| Average earning assets | $8,803,333 | 4,761 |
| Average equity | $419,667 | 4,771 |
| Average total loans | $6,723,667 | 4,705 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8267% | 1,041 |
| Cost of funding earning assets | 0.5340% | 410 |
| Net interest margin | 3.2927% | 1,584 |
| Noninterest income to average assets | 0.1600% | 4,193 |
| Noninterest expense to average assets | 5.8815% | 128 |
| Loan and lease loss provision to assets | 0.0800% | 1,024 |
| Net operating income to assets | -2.8407% | 4,771 |
| Return on assets (ROA) | -2.8407% | 4,771 |
| Pretax return on assets | -2.8407% | 4,767 |
| Return on Equity (ROE) | -61.9411% | 4,792 |
| Retained earnings to average equity (ytd only) | -61.9411% | 4,785 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 188.4615% | 24 |
| Assets per employee ($millions) | 2.4605% | 4,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6110% | 4,502 |
| Loan loss allowance to noncurrent loans | 44.0860% | 3,891 |
| Noncurrent assets plus other real estate owned to assets | 1.7578% | 182 |
| Noncurrent loans to loans | 1.3860% | 618 |
| Net loans and leases to total assets | 67.7606% | 1,237 |
| Net loans and leases to deposits | 71.1284% | 1,854 |
| Net loans and leases to core deposits | 71.1284% | 2,190 |
| Total domestic deposits to total assets | 95.2652% | 27 |
| Equity capital to assets | 4.1861% | 4,773 |
| Core capital (leverage) ratio | 4.0849% | 4,794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 8.6077% | 3,093 |
| Memoranda: | ||
| Average total assets | $9,997,500 | 4,797 |
| Average earning assets | $8,989,500 | 4,786 |
| Average equity | $458,500 | 4,796 |
| Average total loans | $6,826,000 | 4,729 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3287% | 811 |
| Cost of funding earning assets | 0.6575% | 404 |
| Net interest margin | 3.6712% | 1,282 |
| Noninterest income to average assets | 0.1679% | 4,317 |
| Noninterest expense to average assets | 5.2890% | 156 |
| Loan and lease loss provision to assets | 0.0093% | 2,893 |
| Net operating income to assets | -1.9877% | 4,813 |
| Return on assets (ROA) | -2.0708% | 4,815 |
| Pretax return on assets | -2.0895% | 4,812 |
| Return on Equity (ROE) | -35.8991% | 4,830 |
| Retained earnings to average equity (ytd only) | -35.8991% | 4,821 |
| Net charge-offs to loans | 0.0920% | 903 |
| Credit loss provision to net charge-offs | 14.2857% | 2,289 |
| Earnings coverage of net charge-offs (x) | -30.5714% | 2,690 |
| Efficiency ratio | 160.6232% | 27 |
| Assets per employee ($millions) | 2.5383% | 4,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5618% | 4,571 |
| Loan loss allowance to noncurrent loans | 39.7959% | 3,969 |
| Noncurrent assets plus other real estate owned to assets | 1.7532% | 205 |
| Noncurrent loans to loans | 1.4117% | 662 |
| Net loans and leases to total assets | 67.9898% | 1,269 |
| Net loans and leases to deposits | 72.0413% | 1,904 |
| Net loans and leases to core deposits | 72.0413% | 2,258 |
| Total domestic deposits to total assets | 94.3760% | 9 |
| Equity capital to assets | 4.9739% | 4,833 |
| Core capital (leverage) ratio | 4.4572% | 4,837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 9.4046% | 3,085 |
| Memoranda: | ||
| Average total assets | $10,720,400 | 4,839 |
| Average earning assets | $9,125,200 | 4,829 |
| Average equity | $618,400 | 4,838 |
| Average total loans | $7,612,600 | 4,761 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3428% | 897 |
| Cost of funding earning assets | 0.6872% | 406 |
| Net interest margin | 3.6556% | 1,449 |
| Noninterest income to average assets | 0.1964% | 4,217 |
| Noninterest expense to average assets | 5.2290% | 161 |
| Loan and lease loss provision to assets | 0.0092% | 2,806 |
| Net operating income to assets | -1.9528% | 4,886 |
| Return on assets (ROA) | -2.0621% | 4,888 |
| Pretax return on assets | -2.0867% | 4,886 |
| Return on Equity (ROE) | -34.6338% | 4,905 |
| Retained earnings to average equity (ytd only) | -34.6338% | 4,897 |
| Net charge-offs to loans | 0.0857% | 830 |
| Credit loss provision to net charge-offs | 20.0000% | 1,988 |
| Earnings coverage of net charge-offs (x) | -32.0000% | 2,448 |
| Efficiency ratio | 160.1504% | 32 |
| Assets per employee ($millions) | 1.7473% | 4,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5590% | 4,663 |
| Loan loss allowance to noncurrent loans | 25.1534% | 4,160 |
| Noncurrent assets plus other real estate owned to assets | 2.3178% | 144 |
| Noncurrent loans to loans | 2.2225% | 371 |
| Net loans and leases to total assets | 69.5631% | 1,119 |
| Net loans and leases to deposits | 74.0406% | 1,849 |
| Net loans and leases to core deposits | 74.0406% | 2,241 |
| Total domestic deposits to total assets | 93.9527% | 10 |
| Equity capital to assets | 5.3892% | 4,904 |
| Core capital (leverage) ratio | 5.0000% | 4,911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.4358% | 3,113 |
| Memoranda: | ||
| Average total assets | $10,862,250 | 4,913 |
| Average earning assets | $9,118,250 | 4,904 |
| Average equity | $646,750 | 4,912 |
| Average total loans | $7,780,250 | 4,826 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8466% | 440 |
| Cost of funding earning assets | 0.7602% | 353 |
| Net interest margin | 4.0863% | 710 |
| Noninterest income to average assets | 0.2184% | 4,101 |
| Noninterest expense to average assets | 5.5695% | 141 |
| Loan and lease loss provision to assets | -0.1092% | 4,643 |
| Net operating income to assets | -2.0940% | 4,921 |
| Return on assets (ROA) | -2.1841% | 4,924 |
| Pretax return on assets | -2.2023% | 4,925 |
| Return on Equity (ROE) | -35.6083% | 4,939 |
| Retained earnings to average equity (ytd only) | -35.6083% | 4,928 |
| Net charge-offs to loans | -0.0504% | 4,378 |
| Credit loss provision to net charge-offs | 300.0000% | 880 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 166.3043% | 31 |
| Assets per employee ($millions) | 1.7932% | 4,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5334% | 4,714 |
| Loan loss allowance to noncurrent loans | 22.5275% | 4,208 |
| Noncurrent assets plus other real estate owned to assets | 2.4352% | 146 |
| Noncurrent loans to loans | 2.3679% | 366 |
| Net loans and leases to total assets | 71.0568% | 1,074 |
| Net loans and leases to deposits | 75.8132% | 1,842 |
| Net loans and leases to core deposits | 75.8132% | 2,257 |
| Total domestic deposits to total assets | 93.7262% | 13 |
| Equity capital to assets | 5.6976% | 4,932 |
| Core capital (leverage) ratio | 5.2107% | 4,945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8485% | 3,086 |
| Memoranda: | ||
| Average total assets | $10,988,333 | 4,949 |
| Average earning assets | $8,418,333 | 4,940 |
| Average equity | $674,000 | 4,949 |
| Average total loans | $7,929,000 | 4,862 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8229% | 473 |
| Cost of funding earning assets | 0.7960% | 358 |
| Net interest margin | 4.0269% | 813 |
| Noninterest income to average assets | 0.1441% | 4,484 |
| Noninterest expense to average assets | 5.5120% | 145 |
| Loan and lease loss provision to assets | -0.2162% | 4,821 |
| Net operating income to assets | -2.0535% | 4,954 |
| Return on assets (ROA) | -2.1256% | 4,954 |
| Pretax return on assets | -2.1256% | 4,953 |
| Return on Equity (ROE) | -33.4989% | 4,968 |
| Retained earnings to average equity (ytd only) | -33.4989% | 4,955 |
| Net charge-offs to loans | -0.0994% | 4,637 |
| Credit loss provision to net charge-offs | 300.0000% | 753 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 170.0000% | 22 |
| Assets per employee ($millions) | 1.8562% | 4,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5152% | 4,764 |
| Loan loss allowance to noncurrent loans | 21.3542% | 4,278 |
| Noncurrent assets plus other real estate owned to assets | 2.4423% | 173 |
| Noncurrent loans to loans | 2.4127% | 396 |
| Net loans and leases to total assets | 71.0874% | 1,142 |
| Net loans and leases to deposits | 76.1543% | 1,891 |
| Net loans and leases to core deposits | 76.1543% | 2,337 |
| Total domestic deposits to total assets | 93.3465% | 22 |
| Equity capital to assets | 6.0070% | 4,939 |
| Core capital (leverage) ratio | 5.7278% | 4,969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3306% | 3,034 |
| Memoranda: | ||
| Average total assets | $11,103,000 | 4,976 |
| Average earning assets | $8,542,500 | 4,967 |
| Average equity | $704,500 | 4,975 |
| Average total loans | $8,050,500 | 4,888 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6377% | 1,022 |
| Cost of funding earning assets | 1.0396% | 512 |
| Net interest margin | 3.5980% | 2,151 |
| Noninterest income to average assets | 0.9378% | 1,176 |
| Noninterest expense to average assets | 6.5557% | 115 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | -2.5810% | 4,970 |
| Return on assets (ROA) | -2.6240% | 4,970 |
| Pretax return on assets | -2.6240% | 4,972 |
| Return on Equity (ROE) | -33.5755% | 4,990 |
| Retained earnings to average equity (ytd only) | -33.5755% | 4,980 |
| Net charge-offs to loans | 0.1947% | 881 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | -18.7500% | 3,420 |
| Efficiency ratio | 164.9351% | 29 |
| Assets per employee ($millions) | 1.8448% | 4,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5526% | 4,755 |
| Loan loss allowance to noncurrent loans | 24.7253% | 4,331 |
| Noncurrent assets plus other real estate owned to assets | 2.3670% | 202 |
| Noncurrent loans to loans | 2.2350% | 479 |
| Net loans and leases to total assets | 73.1593% | 1,137 |
| Net loans and leases to deposits | 78.8971% | 1,984 |
| Net loans and leases to core deposits | 78.8971% | 2,467 |
| Total domestic deposits to total assets | 92.7274% | 23 |
| Equity capital to assets | 6.6853% | 4,943 |
| Core capital (leverage) ratio | 6.0609% | 4,985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9802% | 2,927 |
| Memoranda: | ||
| Average total assets | $11,623,400 | 4,995 |
| Average earning assets | $9,811,000 | 4,984 |
| Average equity | $908,400 | 4,996 |
| Average total loans | $8,217,600 | 4,911 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6059% | 1,287 |
| Cost of funding earning assets | 1.0954% | 550 |
| Net interest margin | 3.5105% | 2,559 |
| Noninterest income to average assets | 1.2243% | 725 |
| Noninterest expense to average assets | 6.5633% | 113 |
| Loan and lease loss provision to assets | -0.1020% | 4,998 |
| Net operating income to assets | -2.1662% | 4,990 |
| Return on assets (ROA) | -2.2218% | 4,993 |
| Pretax return on assets | -2.2785% | 4,990 |
| Return on Equity (ROE) | -27.4936% | 5,011 |
| Retained earnings to average equity (ytd only) | -27.4936% | 4,997 |
| Net charge-offs to loans | 0.0648% | 1,688 |
| Credit loss provision to net charge-offs | -225.0000% | 3,665 |
| Earnings coverage of net charge-offs (x) | -51.2500% | 3,228 |
| Efficiency ratio | 154.8128% | 36 |
| Assets per employee ($millions) | 1.9373% | 4,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5953% | 4,732 |
| Loan loss allowance to noncurrent loans | 25.0000% | 4,361 |
| Noncurrent assets plus other real estate owned to assets | 2.3400% | 240 |
| Noncurrent loans to loans | 2.3812% | 460 |
| Net loans and leases to total assets | 68.9522% | 2,118 |
| Net loans and leases to deposits | 75.0047% | 2,854 |
| Net loans and leases to core deposits | 75.0047% | 3,241 |
| Total domestic deposits to total assets | 91.9305% | 59 |
| Equity capital to assets | 7.3039% | 4,904 |
| Core capital (leverage) ratio | 6.7145% | 4,988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9909% | 2,208 |
| Memoranda: | ||
| Average total assets | $11,762,000 | 5,026 |
| Average earning assets | $10,102,750 | 5,014 |
| Average equity | $950,500 | 5,027 |
| Average total loans | $8,236,250 | 4,946 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7080% | 1,389 |
| Cost of funding earning assets | 1.1622% | 587 |
| Net interest margin | 3.5458% | 2,649 |
| Noninterest income to average assets | 1.7954% | 341 |
| Noninterest expense to average assets | 6.1822% | 129 |
| Loan and lease loss provision to assets | -0.1694% | 5,036 |
| Net operating income to assets | -1.0899% | 4,970 |
| Return on assets (ROA) | -1.1687% | 4,974 |
| Pretax return on assets | -1.2534% | 4,969 |
| Return on Equity (ROE) | -14.0196% | 5,012 |
| Retained earnings to average equity (ytd only) | -14.0196% | 4,974 |
| Net charge-offs to loans | -0.0482% | 4,675 |
| Credit loss provision to net charge-offs | 500.0000% | 1,228 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.6224% | 72 |
| Assets per employee ($millions) | 1.9973% | 4,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6471% | 4,673 |
| Loan loss allowance to noncurrent loans | 26.3682% | 4,405 |
| Noncurrent assets plus other real estate owned to assets | 2.3448% | 258 |
| Noncurrent loans to loans | 2.4539% | 484 |
| Net loans and leases to total assets | 67.9072% | 2,372 |
| Net loans and leases to deposits | 74.4012% | 3,038 |
| Net loans and leases to core deposits | 74.4012% | 3,426 |
| Total domestic deposits to total assets | 91.2717% | 108 |
| Equity capital to assets | 8.1442% | 4,654 |
| Core capital (leverage) ratio | 7.9020% | 4,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4118% | 1,383 |
| Memoranda: | ||
| Average total assets | $11,808,000 | 5,059 |
| Average earning assets | $10,153,000 | 5,047 |
| Average equity | $984,333 | 5,060 |
| Average total loans | $8,294,000 | 4,979 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8276% | 1,352 |
| Cost of funding earning assets | 1.1775% | 829 |
| Net interest margin | 3.6501% | 2,511 |
| Noninterest income to average assets | 0.3754% | 3,265 |
| Noninterest expense to average assets | 7.5085% | 104 |
| Loan and lease loss provision to assets | -0.3413% | 5,093 |
| Net operating income to assets | -3.5246% | 5,082 |
| Return on assets (ROA) | -3.8225% | 5,077 |
| Pretax return on assets | -3.9249% | 5,070 |
| Return on Equity (ROE) | -45.3212% | 5,101 |
| Retained earnings to average equity (ytd only) | -45.3212% | 5,080 |
| Net charge-offs to loans | -0.0479% | 4,624 |
| Credit loss provision to net charge-offs | 1,000.0000% | 564 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 211.5385% | 22 |
| Assets per employee ($millions) | 1.9563% | 5,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6282% | 4,720 |
| Loan loss allowance to noncurrent loans | 30.5882% | 4,395 |
| Noncurrent assets plus other real estate owned to assets | 2.1298% | 362 |
| Noncurrent loans to loans | 2.0539% | 675 |
| Net loans and leases to total assets | 70.0716% | 2,245 |
| Net loans and leases to deposits | 76.7401% | 3,007 |
| Net loans and leases to core deposits | 76.7401% | 3,447 |
| Total domestic deposits to total assets | 91.3103% | 79 |
| Equity capital to assets | 7.9656% | 4,977 |
| Core capital (leverage) ratio | 7.4906% | 5,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0325% | 1,897 |
| Memoranda: | ||
| Average total assets | $11,720,000 | 5,109 |
| Average earning assets | $10,191,500 | 5,097 |
| Average equity | $988,500 | 5,109 |
| Average total loans | $8,345,500 | 5,025 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2951% | 826 |
| Cost of funding earning assets | 1.1873% | 1,055 |
| Net interest margin | 4.1078% | 1,521 |
| Noninterest income to average assets | 0.6827% | 1,878 |
| Noninterest expense to average assets | 7.4762% | 98 |
| Loan and lease loss provision to assets | 0.0833% | 2,344 |
| Net operating income to assets | -3.3052% | 5,151 |
| Return on assets (ROA) | -3.2136% | 5,151 |
| Pretax return on assets | -3.2136% | 5,151 |
| Return on Equity (ROE) | -30.8849% | 5,165 |
| Retained earnings to average equity (ytd only) | -30.8849% | 5,159 |
| Net charge-offs to loans | 0.0116% | 3,275 |
| Credit loss provision to net charge-offs | 1,000.0000% | 339 |
| Earnings coverage of net charge-offs (x) | -387.0000% | 3,720 |
| Efficiency ratio | 175.7339% | 29 |
| Assets per employee ($millions) | 1.9503% | 5,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7250% | 4,522 |
| Loan loss allowance to noncurrent loans | 25.9574% | 4,487 |
| Noncurrent assets plus other real estate owned to assets | 2.6918% | 222 |
| Noncurrent loans to loans | 2.7930% | 361 |
| Net loans and leases to total assets | 71.3810% | 2,191 |
| Net loans and leases to deposits | 79.4767% | 2,841 |
| Net loans and leases to core deposits | 79.4767% | 3,343 |
| Total domestic deposits to total assets | 89.8137% | 386 |
| Equity capital to assets | 8.9045% | 4,730 |
| Core capital (leverage) ratio | 8.5320% | 4,830 |
| Tier 1 risk-based capital ratio | 15.5689% | 2,557 |
| Total risk-based capital ratio | 16.5301% | 2,595 |
| Memoranda: | ||
| Average total assets | $12,011,400 | 5,170 |
| Average earning assets | $10,443,600 | 5,157 |
| Average equity | $1,249,800 | 5,165 |
| Average total loans | $8,623,000 | 5,079 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4388% | 653 |
| Cost of funding earning assets | 1.1818% | 1,078 |
| Net interest margin | 4.2570% | 1,257 |
| Noninterest income to average assets | 0.6838% | 1,856 |
| Noninterest expense to average assets | 7.0808% | 108 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | -2.7022% | 5,222 |
| Return on assets (ROA) | -2.5919% | 5,221 |
| Pretax return on assets | -2.5919% | 5,217 |
| Return on Equity (ROE) | -24.0699% | 5,235 |
| Retained earnings to average equity (ytd only) | -24.0699% | 5,221 |
| Net charge-offs to loans | 0.0153% | 2,852 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | -245.6090% | 3,448 |
| Efficiency ratio | 161.7128% | 33 |
| Assets per employee ($millions) | 1.9698% | 5,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5927% | 4,838 |
| Loan loss allowance to noncurrent loans | 23.3945% | 4,591 |
| Noncurrent assets plus other real estate owned to assets | 2.5214% | 270 |
| Noncurrent loans to loans | 2.5337% | 453 |
| Net loans and leases to total assets | 72.3665% | 2,124 |
| Net loans and leases to deposits | 81.2868% | 2,766 |
| Net loans and leases to core deposits | 83.3788% | 3,143 |
| Total domestic deposits to total assets | 89.0261% | 601 |
| Equity capital to assets | 10.0685% | 3,946 |
| Core capital (leverage) ratio | 9.7530% | 3,907 |
| Tier 1 risk-based capital ratio | 18.0139% | 1,809 |
| Total risk-based capital ratio | 18.8191% | 1,892 |
| Memoranda: | ||
| Average total assets | $12,088,750 | 5,248 |
| Average earning assets | $10,492,250 | 5,235 |
| Average equity | $1,301,750 | 5,243 |
| Average total loans | $8,675,250 | 5,158 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2144% | 957 |
| Cost of funding earning assets | 1.1418% | 1,156 |
| Net interest margin | 4.0726% | 1,695 |
| Noninterest income to average assets | 0.7390% | 1,566 |
| Noninterest expense to average assets | 5.6492% | 153 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -1.3959% | 5,244 |
| Return on assets (ROA) | -1.2974% | 5,240 |
| Pretax return on assets | -1.2974% | 5,236 |
| Return on Equity (ROE) | -11.7999% | 5,249 |
| Retained earnings to average equity (ytd only) | -11.7999% | 5,191 |
| Net charge-offs to loans | 0.0460% | 1,994 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | -42.5000% | 3,162 |
| Efficiency ratio | 132.8185% | 58 |
| Assets per employee ($millions) | 2.0583% | 5,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5834% | 4,903 |
| Loan loss allowance to noncurrent loans | 57.4713% | 4,053 |
| Noncurrent assets plus other real estate owned to assets | 1.3522% | 909 |
| Noncurrent loans to loans | 1.0152% | 1,618 |
| Net loans and leases to total assets | 68.9879% | 2,679 |
| Net loans and leases to deposits | 77.8367% | 3,161 |
| Net loans and leases to core deposits | 79.7529% | 3,444 |
| Total domestic deposits to total assets | 88.6316% | 812 |
| Equity capital to assets | 10.7530% | 3,306 |
| Core capital (leverage) ratio | 10.6986% | 2,895 |
| Tier 1 risk-based capital ratio | 20.1495% | 1,322 |
| Total risk-based capital ratio | 20.9281% | 1,380 |
| Memoranda: | ||
| Average total assets | $12,178,670 | 5,292 |
| Average earning assets | $10,509,330 | 5,282 |
| Average equity | $1,339,000 | 5,290 |
| Average total loans | $8,699,000 | 5,203 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1010% | 1,094 |
| Cost of funding earning assets | 1.1252% | 1,104 |
| Net interest margin | 3.9758% | 1,926 |
| Noninterest income to average assets | 0.9262% | 980 |
| Noninterest expense to average assets | 5.4908% | 165 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -1.0585% | 5,286 |
| Return on assets (ROA) | -1.0585% | 5,286 |
| Pretax return on assets | -1.0585% | 5,280 |
| Return on Equity (ROE) | -9.5203% | 5,291 |
| Retained earnings to average equity (ytd only) | -9.5203% | 5,090 |
| Net charge-offs to loans | 0.2282% | 628 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | -6.4000% | 2,713 |
| Efficiency ratio | 123.8806% | 68 |
| Assets per employee ($millions) | 2.0273% | 5,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5418% | 5,030 |
| Loan loss allowance to noncurrent loans | 46.5347% | 4,330 |
| Noncurrent assets plus other real estate owned to assets | 1.4880% | 808 |
| Noncurrent loans to loans | 1.1644% | 1,429 |
| Net loans and leases to total assets | 70.9224% | 2,337 |
| Net loans and leases to deposits | 80.3408% | 2,797 |
| Net loans and leases to core deposits | 82.3344% | 3,160 |
| Total domestic deposits to total assets | 88.2769% | 1,203 |
| Equity capital to assets | 11.0408% | 2,809 |
| Core capital (leverage) ratio | 11.2129% | 2,373 |
| Tier 1 risk-based capital ratio | 20.2489% | 1,299 |
| Total risk-based capital ratio | 20.9624% | 1,372 |
| Memoranda: | ||
| Average total assets | $12,093,000 | 5,351 |
| Average earning assets | $10,664,500 | 5,339 |
| Average equity | $1,344,500 | 5,347 |
| Average total loans | $8,763,500 | 5,261 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1697% | 737 |
| Cost of funding earning assets | 0.8313% | 1,382 |
| Net interest margin | 4.3385% | 1,070 |
| Noninterest income to average assets | 1.1441% | 702 |
| Noninterest expense to average assets | 4.8204% | 231 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.1256% | 5,165 |
| Return on assets (ROA) | 0.1256% | 5,160 |
| Pretax return on assets | 0.1465% | 5,152 |
| Return on Equity (ROE) | 1.3034% | 5,130 |
| Retained earnings to average equity (ytd only) | 1.3034% | 4,613 |
| Net charge-offs to loans | 0.0668% | 2,159 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 3.5000% | 3,402 |
| Efficiency ratio | 97.0506% | 189 |
| Assets per employee ($millions) | 2.0037% | 5,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5874% | 4,993 |
| Loan loss allowance to noncurrent loans | 31.7073% | 4,613 |
| Noncurrent assets plus other real estate owned to assets | 2.0296% | 467 |
| Noncurrent loans to loans | 1.8525% | 756 |
| Net loans and leases to total assets | 73.2075% | 2,059 |
| Net loans and leases to deposits | 83.8190% | 2,528 |
| Net loans and leases to core deposits | 85.9221% | 2,923 |
| Total domestic deposits to total assets | 87.3399% | 1,619 |
| Equity capital to assets | 11.1961% | 2,518 |
| Core capital (leverage) ratio | 11.4510% | 2,140 |
| Tier 1 risk-based capital ratio | 20.1057% | 1,287 |
| Total risk-based capital ratio | 20.8688% | 1,351 |
| Memoranda: | ||
| Average total assets | $14,334,800 | 5,382 |
| Average earning assets | $12,631,200 | 5,374 |
| Average equity | $1,381,000 | 5,389 |
| Average total loans | $8,985,800 | 5,304 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2234% | 605 |
| Cost of funding earning assets | 0.7927% | 1,376 |
| Net interest margin | 4.4307% | 845 |
| Noninterest income to average assets | 1.2964% | 573 |
| Noninterest expense to average assets | 4.5596% | 276 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6347% | 4,409 |
| Return on assets (ROA) | 0.6347% | 4,418 |
| Pretax return on assets | 0.6347% | 4,670 |
| Return on Equity (ROE) | 6.8113% | 3,996 |
| Retained earnings to average equity (ytd only) | 6.8113% | 2,228 |
| Net charge-offs to loans | 0.1034% | 1,453 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 10.1458% | 2,606 |
| Efficiency ratio | 87.4355% | 435 |
| Assets per employee ($millions) | 2.0450% | 5,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5709% | 5,087 |
| Loan loss allowance to noncurrent loans | 31.4815% | 4,720 |
| Noncurrent assets plus other real estate owned to assets | 1.9723% | 540 |
| Noncurrent loans to loans | 1.8135% | 847 |
| Net loans and leases to total assets | 72.3879% | 2,273 |
| Net loans and leases to deposits | 83.8557% | 2,614 |
| Net loans and leases to core deposits | 85.9659% | 2,993 |
| Total domestic deposits to total assets | 86.3244% | 2,046 |
| Equity capital to assets | 11.4751% | 2,278 |
| Core capital (leverage) ratio | 11.2640% | 2,365 |
| Tier 1 risk-based capital ratio | 20.2087% | 1,296 |
| Total risk-based capital ratio | 20.9583% | 1,365 |
| Memoranda: | ||
| Average total assets | $14,913,000 | 5,451 |
| Average earning assets | $13,120,250 | 5,443 |
| Average equity | $1,389,750 | 5,459 |
| Average total loans | $9,019,000 | 5,371 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1226% | 635 |
| Cost of funding earning assets | 0.7525% | 1,359 |
| Net interest margin | 4.3702% | 907 |
| Noninterest income to average assets | 1.2663% | 603 |
| Noninterest expense to average assets | 4.6093% | 273 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4812% | 4,790 |
| Return on assets (ROA) | 0.4812% | 4,795 |
| Pretax return on assets | 0.4812% | 4,935 |
| Return on Equity (ROE) | 5.4926% | 4,414 |
| Retained earnings to average equity (ytd only) | 5.4926% | 2,827 |
| Net charge-offs to loans | 0.1547% | 1,001 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 5.4286% | 2,710 |
| Efficiency ratio | 90.5473% | 352 |
| Assets per employee ($millions) | 3.4970% | 4,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5637% | 5,174 |
| Loan loss allowance to noncurrent loans | 31.8750% | 4,730 |
| Noncurrent assets plus other real estate owned to assets | 1.1772% | 1,227 |
| Noncurrent loans to loans | 1.7683% | 889 |
| Net loans and leases to total assets | 42.8796% | 4,952 |
| Net loans and leases to deposits | 46.1385% | 5,094 |
| Net loans and leases to core deposits | 46.7595% | 5,128 |
| Total domestic deposits to total assets | 92.9368% | 35 |
| Equity capital to assets | 6.6772% | 5,473 |
| Core capital (leverage) ratio | 6.5070% | 5,502 |
| Tier 1 risk-based capital ratio | 18.1731% | 1,757 |
| Total risk-based capital ratio | 18.8695% | 1,866 |
| Memoranda: | ||
| Average total assets | $15,794,000 | 5,511 |
| Average earning assets | $13,821,000 | 5,502 |
| Average equity | $1,383,670 | 5,522 |
| Average total loans | $9,047,670 | 5,430 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3157% | 91 |
| Cost of funding earning assets | 0.7895% | 993 |
| Net interest margin | 5.5262% | 104 |
| Noninterest income to average assets | 1.3333% | 528 |
| Noninterest expense to average assets | 5.4242% | 176 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7879% | 3,762 |
| Return on assets (ROA) | 0.7879% | 3,760 |
| Pretax return on assets | 0.7879% | 4,182 |
| Return on Equity (ROE) | 7.5636% | 3,553 |
| Retained earnings to average equity (ytd only) | 7.5636% | 2,009 |
| Net charge-offs to loans | -0.0442% | 4,915 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3171% | 568 |
| Assets per employee ($millions) | 2.2213% | 5,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6580% | 5,097 |
| Loan loss allowance to noncurrent loans | 37.1069% | 4,694 |
| Noncurrent assets plus other real estate owned to assets | 1.8457% | 653 |
| Noncurrent loans to loans | 1.7734% | 957 |
| Net loans and leases to total assets | 66.8292% | 2,922 |
| Net loans and leases to deposits | 75.1075% | 3,307 |
| Net loans and leases to core deposits | 76.7779% | 3,600 |
| Total domestic deposits to total assets | 88.9781% | 1,101 |
| Equity capital to assets | 10.3767% | 3,189 |
| Core capital (leverage) ratio | 5.7934% | 5,575 |
| Tier 1 risk-based capital ratio | 26.1245% | 673 |
| Total risk-based capital ratio | 27.2638% | 667 |
| Memoranda: | ||
| Average total assets | $13,200,000 | 5,586 |
| Average earning assets | $11,653,500 | 5,578 |
| Average equity | $1,375,000 | 5,584 |
| Average total loans | $9,047,500 | 5,489 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5058% | 1,690 |
| Cost of funding earning assets | 0.7353% | 867 |
| Net interest margin | 3.7705% | 2,535 |
| Noninterest income to average assets | 0.5497% | 2,719 |
| Noninterest expense to average assets | 4.5295% | 308 |
| Loan and lease loss provision to assets | -0.1626% | 5,549 |
| Net operating income to assets | -0.4026% | 5,505 |
| Return on assets (ROA) | -0.4104% | 5,503 |
| Pretax return on assets | -0.4104% | 5,534 |
| Return on Equity (ROE) | -3.7863% | 5,515 |
| Retained earnings to average equity (ytd only) | -3.7863% | 5,388 |
| Net charge-offs to loans | 0.0649% | 2,544 |
| Credit loss provision to net charge-offs | -350.0000% | 4,892 |
| Earnings coverage of net charge-offs (x) | -12.1667% | 4,093 |
| Efficiency ratio | 114.2578% | 82 |
| Assets per employee ($millions) | 3.2680% | 4,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6353% | 5,180 |
| Loan loss allowance to noncurrent loans | 19.6610% | 4,980 |
| Noncurrent assets plus other real estate owned to assets | 2.9223% | 282 |
| Noncurrent loans to loans | 3.2315% | 328 |
| Net loans and leases to total assets | 69.3926% | 2,617 |
| Net loans and leases to deposits | 78.0167% | 3,111 |
| Net loans and leases to core deposits | 79.7871% | 3,440 |
| Total domestic deposits to total assets | 88.9458% | 1,028 |
| Equity capital to assets | 10.4575% | 3,206 |
| Core capital (leverage) ratio | 8.0318% | 5,428 |
| Tier 1 risk-based capital ratio | 25.0192% | 724 |
| Total risk-based capital ratio | 26.1311% | 715 |
| Memoranda: | ||
| Average total assets | $12,915,200 | 5,651 |
| Average earning assets | $11,696,000 | 5,642 |
| Average equity | $1,399,800 | 5,648 |
| Average total loans | $9,241,000 | 5,553 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3053% | 2,245 |
| Cost of funding earning assets | 0.7611% | 720 |
| Net interest margin | 3.5442% | 3,339 |
| Noninterest income to average assets | 0.3625% | 3,941 |
| Noninterest expense to average assets | 4.2352% | 393 |
| Loan and lease loss provision to assets | -0.2175% | 5,664 |
| Net operating income to assets | -0.4246% | 5,622 |
| Return on assets (ROA) | -0.4246% | 5,622 |
| Pretax return on assets | -0.4246% | 5,616 |
| Return on Equity (ROE) | -3.8828% | 5,623 |
| Retained earnings to average equity (ytd only) | -3.8828% | 5,517 |
| Net charge-offs to loans | 0.0863% | 1,933 |
| Credit loss provision to net charge-offs | -350.0000% | 4,727 |
| Earnings coverage of net charge-offs (x) | -10.3325% | 3,769 |
| Efficiency ratio | 117.8674% | 66 |
| Assets per employee ($millions) | 3.1980% | 5,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6348% | 5,262 |
| Loan loss allowance to noncurrent loans | 20.9386% | 5,059 |
| Noncurrent assets plus other real estate owned to assets | 2.8455% | 333 |
| Noncurrent loans to loans | 3.0316% | 415 |
| Net loans and leases to total assets | 70.9740% | 2,413 |
| Net loans and leases to deposits | 80.0194% | 2,975 |
| Net loans and leases to core deposits | 81.8739% | 3,299 |
| Total domestic deposits to total assets | 88.6961% | 1,015 |
| Equity capital to assets | 10.9053% | 2,954 |
| Core capital (leverage) ratio | 9.2217% | 4,495 |
| Tier 1 risk-based capital ratio | 26.1835% | 662 |
| Total risk-based capital ratio | 27.3227% | 661 |
| Memoranda: | ||
| Average total assets | $12,876,000 | 5,717 |
| Average earning assets | $11,737,250 | 5,705 |
| Average equity | $1,408,000 | 5,714 |
| Average total loans | $9,269,000 | 5,615 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1587% | 2,635 |
| Cost of funding earning assets | 0.7100% | 849 |
| Net interest margin | 3.4487% | 3,593 |
| Noninterest income to average assets | 0.2015% | 5,040 |
| Noninterest expense to average assets | 3.8593% | 625 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -0.4960% | 5,681 |
| Return on assets (ROA) | -0.4960% | 5,679 |
| Pretax return on assets | -0.4960% | 5,668 |
| Return on Equity (ROE) | -4.5315% | 5,681 |
| Retained earnings to average equity (ytd only) | -4.5315% | 5,518 |
| Net charge-offs to loans | 0.3007% | 674 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | -2.2857% | 3,446 |
| Efficiency ratio | 114.2857% | 85 |
| Assets per employee ($millions) | 4.2787% | 3,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7654% | 5,034 |
| Loan loss allowance to noncurrent loans | 21.5805% | 5,094 |
| Noncurrent assets plus other real estate owned to assets | 3.5759% | 222 |
| Noncurrent loans to loans | 3.5468% | 319 |
| Net loans and leases to total assets | 71.7124% | 2,248 |
| Net loans and leases to deposits | 82.1728% | 2,685 |
| Net loans and leases to core deposits | 84.0946% | 3,058 |
| Total domestic deposits to total assets | 87.2702% | 1,821 |
| Equity capital to assets | 10.9224% | 2,902 |
| Core capital (leverage) ratio | 10.4007% | 3,025 |
| Tier 1 risk-based capital ratio | 18.0376% | 1,844 |
| Total risk-based capital ratio | 18.9919% | 1,898 |
| Memoranda: | ||
| Average total assets | $12,904,000 | 5,766 |
| Average earning assets | $11,830,670 | 5,755 |
| Average equity | $1,412,330 | 5,764 |
| Average total loans | $9,313,000 | 5,660 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3143% | 1,917 |
| Cost of funding earning assets | 0.6741% | 962 |
| Net interest margin | 3.6402% | 2,739 |
| Noninterest income to average assets | 0.2473% | 4,764 |
| Noninterest expense to average assets | 3.9883% | 550 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.4019% | 5,723 |
| Return on assets (ROA) | -0.4019% | 5,720 |
| Pretax return on assets | -0.4019% | 5,711 |
| Return on Equity (ROE) | -3.6684% | 5,718 |
| Retained earnings to average equity (ytd only) | -3.6684% | 5,308 |
| Net charge-offs to loans | -0.0429% | 5,112 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.2069% | 115 |
| Assets per employee ($millions) | 3.2300% | 5,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9170% | 4,690 |
| Loan loss allowance to noncurrent loans | 21.2346% | 5,175 |
| Noncurrent assets plus other real estate owned to assets | 4.1331% | 180 |
| Noncurrent loans to loans | 4.3186% | 227 |
| Net loans and leases to total assets | 71.9195% | 2,085 |
| Net loans and leases to deposits | 84.8895% | 2,172 |
| Net loans and leases to core deposits | 86.9142% | 2,641 |
| Total domestic deposits to total assets | 84.7214% | 3,204 |
| Equity capital to assets | 10.9288% | 2,714 |
| Core capital (leverage) ratio | 10.5508% | 2,843 |
| Tier 1 risk-based capital ratio | 12.2955% | 4,508 |
| Total risk-based capital ratio | 13.0730% | 4,741 |
| Memoranda: | ||
| Average total assets | $12,938,000 | 5,833 |
| Average earning assets | $11,867,500 | 5,823 |
| Average equity | $1,417,500 | 5,829 |
| Average total loans | $9,331,500 | 5,724 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3230% | 2,068 |
| Cost of funding earning assets | 0.6878% | 865 |
| Net interest margin | 3.6353% | 2,937 |
| Noninterest income to average assets | 0.2620% | 4,860 |
| Noninterest expense to average assets | 3.7874% | 785 |
| Loan and lease loss provision to assets | 0.1272% | 1,950 |
| Net operating income to assets | -0.2096% | 5,720 |
| Return on assets (ROA) | -0.2096% | 5,731 |
| Pretax return on assets | -0.3293% | 5,746 |
| Return on Equity (ROE) | -1.9074% | 5,731 |
| Retained earnings to average equity (ytd only) | -1.9074% | 5,527 |
| Net charge-offs to loans | 0.1319% | 1,925 |
| Credit loss provision to net charge-offs | 141.6667% | 1,931 |
| Earnings coverage of net charge-offs (x) | -2.2500% | 4,197 |
| Efficiency ratio | 105.2192% | 168 |
| Assets per employee ($millions) | 2.5912% | 5,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9155% | 4,726 |
| Loan loss allowance to noncurrent loans | 25.2226% | 5,167 |
| Noncurrent assets plus other real estate owned to assets | 3.6045% | 236 |
| Noncurrent loans to loans | 3.6295% | 323 |
| Net loans and leases to total assets | 71.0096% | 2,329 |
| Net loans and leases to deposits | 83.9646% | 2,422 |
| Net loans and leases to core deposits | 85.9652% | 2,852 |
| Total domestic deposits to total assets | 84.5709% | 3,218 |
| Equity capital to assets | 10.9833% | 2,641 |
| Core capital (leverage) ratio | 10.6388% | 2,733 |
| Tier 1 risk-based capital ratio | 18.5325% | 1,718 |
| Total risk-based capital ratio | 19.6790% | 1,711 |
| Memoranda: | ||
| Average total assets | $13,360,000 | 5,890 |
| Average earning assets | $12,213,600 | 5,880 |
| Average equity | $1,468,000 | 5,889 |
| Average total loans | $9,096,200 | 5,784 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4115% | 1,826 |
| Cost of funding earning assets | 0.6829% | 892 |
| Net interest margin | 3.7287% | 2,598 |
| Noninterest income to average assets | 0.2674% | 4,861 |
| Noninterest expense to average assets | 3.6252% | 961 |
| Loan and lease loss provision to assets | 0.0693% | 2,832 |
| Net operating income to assets | -0.0198% | 5,727 |
| Return on assets (ROA) | -0.0198% | 5,748 |
| Pretax return on assets | -0.0198% | 5,740 |
| Return on Equity (ROE) | -0.1805% | 5,749 |
| Retained earnings to average equity (ytd only) | -0.1805% | 5,389 |
| Net charge-offs to loans | 0.1915% | 1,225 |
| Credit loss provision to net charge-offs | 53.8462% | 2,983 |
| Earnings coverage of net charge-offs (x) | 0.3849% | 3,794 |
| Efficiency ratio | 98.3827% | 251 |
| Assets per employee ($millions) | 2.5902% | 5,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7914% | 5,208 |
| Loan loss allowance to noncurrent loans | 29.0196% | 5,195 |
| Noncurrent assets plus other real estate owned to assets | 2.9727% | 388 |
| Noncurrent loans to loans | 2.7270% | 601 |
| Net loans and leases to total assets | 71.6315% | 2,237 |
| Net loans and leases to deposits | 85.0009% | 2,366 |
| Net loans and leases to core deposits | 87.0263% | 2,842 |
| Total domestic deposits to total assets | 84.2715% | 3,111 |
| Equity capital to assets | 11.5126% | 2,501 |
| Core capital (leverage) ratio | 10.8588% | 2,616 |
| Tier 1 risk-based capital ratio | 19.2568% | 1,609 |
| Total risk-based capital ratio | 20.2604% | 1,629 |
| Memoranda: | ||
| Average total assets | $13,461,000 | 5,954 |
| Average earning assets | $12,300,750 | 5,946 |
| Average equity | $1,479,250 | 5,954 |
| Average total loans | $9,049,000 | 5,851 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3746% | 1,899 |
| Cost of funding earning assets | 0.6594% | 1,002 |
| Net interest margin | 3.7152% | 2,635 |
| Noninterest income to average assets | 0.3081% | 4,577 |
| Noninterest expense to average assets | 3.4774% | 1,204 |
| Loan and lease loss provision to assets | 0.1027% | 2,128 |
| Net operating income to assets | 0.0734% | 5,699 |
| Return on assets (ROA) | 0.0734% | 5,736 |
| Pretax return on assets | 0.1174% | 5,706 |
| Return on Equity (ROE) | 0.6778% | 5,733 |
| Retained earnings to average equity (ytd only) | 0.6778% | 5,101 |
| Net charge-offs to loans | 0.3129% | 756 |
| Credit loss provision to net charge-offs | 50.0000% | 2,666 |
| Earnings coverage of net charge-offs (x) | 1.0714% | 3,457 |
| Efficiency ratio | 94.0476% | 414 |
| Assets per employee ($millions) | 2.6706% | 5,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7863% | 5,312 |
| Loan loss allowance to noncurrent loans | 30.8017% | 5,265 |
| Noncurrent assets plus other real estate owned to assets | 3.0630% | 392 |
| Noncurrent loans to loans | 2.5528% | 675 |
| Net loans and leases to total assets | 68.9808% | 2,636 |
| Net loans and leases to deposits | 81.4052% | 2,770 |
| Net loans and leases to core deposits | 83.2670% | 3,142 |
| Total domestic deposits to total assets | 84.7375% | 2,984 |
| Equity capital to assets | 11.2409% | 2,806 |
| Core capital (leverage) ratio | 10.8432% | 2,602 |
| Tier 1 risk-based capital ratio | 19.1202% | 1,664 |
| Total risk-based capital ratio | 20.0963% | 1,690 |
| Memoranda: | ||
| Average total assets | $13,631,000 | 6,031 |
| Average earning assets | $12,435,330 | 6,022 |
| Average equity | $1,475,330 | 6,031 |
| Average total loans | $8,948,330 | 5,928 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3055% | 2,113 |
| Cost of funding earning assets | 0.6379% | 1,114 |
| Net interest margin | 3.6677% | 2,814 |
| Noninterest income to average assets | 0.2033% | 5,283 |
| Noninterest expense to average assets | 3.3115% | 1,571 |
| Loan and lease loss provision to assets | 0.1743% | 1,170 |
| Net operating income to assets | 0.0290% | 5,765 |
| Return on assets (ROA) | 0.0290% | 5,795 |
| Pretax return on assets | 0.0581% | 5,775 |
| Return on Equity (ROE) | 0.2735% | 5,792 |
| Retained earnings to average equity (ytd only) | 0.2735% | 5,046 |
| Net charge-offs to loans | -0.0911% | 5,592 |
| Credit loss provision to net charge-offs | -300.0000% | 4,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4426% | 480 |
| Assets per employee ($millions) | 2.6810% | 5,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9818% | 4,706 |
| Loan loss allowance to noncurrent loans | 27.0769% | 5,343 |
| Noncurrent assets plus other real estate owned to assets | 3.6628% | 292 |
| Noncurrent loans to loans | 3.6260% | 364 |
| Net loans and leases to total assets | 66.2066% | 2,920 |
| Net loans and leases to deposits | 78.1181% | 2,998 |
| Net loans and leases to core deposits | 79.8974% | 3,331 |
| Total domestic deposits to total assets | 84.7520% | 3,227 |
| Equity capital to assets | 11.1227% | 2,805 |
| Core capital (leverage) ratio | 10.2831% | 3,218 |
| Tier 1 risk-based capital ratio | 18.9132% | 1,754 |
| Total risk-based capital ratio | 20.0852% | 1,739 |
| Memoranda: | ||
| Average total assets | $13,770,000 | 6,091 |
| Average earning assets | $12,542,000 | 6,081 |
| Average equity | $1,462,500 | 6,091 |
| Average total loans | $8,780,500 | 5,988 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1473% | 2,746 |
| Cost of funding earning assets | 0.7097% | 779 |
| Net interest margin | 3.4376% | 3,762 |
| Noninterest income to average assets | 0.1162% | 5,820 |
| Noninterest expense to average assets | 3.3889% | 1,508 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.0410% | 5,892 |
| Return on assets (ROA) | -0.0410% | 5,914 |
| Pretax return on assets | -0.0957% | 5,931 |
| Return on Equity (ROE) | -0.4159% | 5,915 |
| Retained earnings to average equity (ytd only) | -0.4159% | 5,577 |
| Net charge-offs to loans | 0.1924% | 1,511 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | -0.8235% | 4,326 |
| Efficiency ratio | 102.9046% | 234 |
| Assets per employee ($millions) | 2.8270% | 5,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9304% | 4,971 |
| Loan loss allowance to noncurrent loans | 25.6410% | 5,400 |
| Noncurrent assets plus other real estate owned to assets | 3.3746% | 358 |
| Noncurrent loans to loans | 3.6288% | 364 |
| Net loans and leases to total assets | 60.2618% | 3,798 |
| Net loans and leases to deposits | 70.1590% | 3,907 |
| Net loans and leases to core deposits | 71.6400% | 4,164 |
| Total domestic deposits to total assets | 85.8932% | 2,684 |
| Equity capital to assets | 10.1450% | 3,813 |
| Core capital (leverage) ratio | 9.9341% | 3,602 |
| Tier 1 risk-based capital ratio | 19.2978% | 1,630 |
| Total risk-based capital ratio | 20.3865% | 1,627 |
| Memoranda: | ||
| Average total assets | $14,636,200 | 6,149 |
| Average earning assets | $13,526,800 | 6,136 |
| Average equity | $1,442,800 | 6,150 |
| Average total loans | $8,836,400 | 6,037 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2942% | 2,252 |
| Cost of funding earning assets | 0.6913% | 877 |
| Net interest margin | 3.6028% | 3,149 |
| Noninterest income to average assets | 0.0903% | 5,991 |
| Noninterest expense to average assets | 3.2516% | 1,821 |
| Loan and lease loss provision to assets | 0.1265% | 1,786 |
| Net operating income to assets | 0.0542% | 5,889 |
| Return on assets (ROA) | 0.0542% | 5,933 |
| Pretax return on assets | 0.0542% | 5,931 |
| Return on Equity (ROE) | 0.5536% | 5,916 |
| Retained earnings to average equity (ytd only) | 0.5536% | 5,454 |
| Net charge-offs to loans | 0.0899% | 2,267 |
| Credit loss provision to net charge-offs | 233.3333% | 1,195 |
| Earnings coverage of net charge-offs (x) | 3.3338% | 3,515 |
| Efficiency ratio | 94.7368% | 463 |
| Assets per employee ($millions) | 2.8696% | 5,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2066% | 3,615 |
| Loan loss allowance to noncurrent loans | 24.0275% | 5,528 |
| Noncurrent assets plus other real estate owned to assets | 3.9030% | 308 |
| Noncurrent loans to loans | 5.0218% | 208 |
| Net loans and leases to total assets | 59.9178% | 3,889 |
| Net loans and leases to deposits | 71.4749% | 3,825 |
| Net loans and leases to core deposits | 72.9982% | 4,101 |
| Total domestic deposits to total assets | 83.8305% | 3,496 |
| Equity capital to assets | 10.2384% | 3,884 |
| Core capital (leverage) ratio | 10.0459% | 3,561 |
| Tier 1 risk-based capital ratio | 19.3618% | 1,691 |
| Total risk-based capital ratio | 20.6222% | 1,663 |
| Memoranda: | ||
| Average total assets | $14,761,500 | 6,235 |
| Average earning assets | $13,692,750 | 6,220 |
| Average equity | $1,445,000 | 6,236 |
| Average total loans | $8,896,000 | 6,118 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0547% | 3,057 |
| Cost of funding earning assets | 0.6926% | 874 |
| Net interest margin | 3.3621% | 4,047 |
| Noninterest income to average assets | 0.1477% | 5,824 |
| Noninterest expense to average assets | 3.1277% | 2,169 |
| Loan and lease loss provision to assets | 0.1477% | 1,452 |
| Net operating income to assets | 0.0000% | 5,992 |
| Return on assets (ROA) | 0.0000% | 6,026 |
| Pretax return on assets | 0.0000% | 6,017 |
| Return on Equity (ROE) | 0.0000% | 6,026 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,501 |
| Net charge-offs to loans | 0.1339% | 1,696 |
| Credit loss provision to net charge-offs | 183.3333% | 1,325 |
| Earnings coverage of net charge-offs (x) | 1.8333% | 3,444 |
| Efficiency ratio | 95.4918% | 456 |
| Assets per employee ($millions) | 2.9062% | 5,704 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1420% | 4,127 |
| Loan loss allowance to noncurrent loans | 21.4286% | 5,659 |
| Noncurrent assets plus other real estate owned to assets | 3.5854% | 395 |
| Noncurrent loans to loans | 5.3292% | 199 |
| Net loans and leases to total assets | 60.7666% | 3,722 |
| Net loans and leases to deposits | 71.8646% | 3,735 |
| Net loans and leases to core deposits | 71.8646% | 4,153 |
| Total domestic deposits to total assets | 84.5572% | 3,315 |
| Equity capital to assets | 9.7791% | 4,301 |
| Core capital (leverage) ratio | 10.1133% | 3,445 |
| Tier 1 risk-based capital ratio | 21.1285% | 1,332 |
| Total risk-based capital ratio | 22.3607% | 1,314 |
| Memoranda: | ||
| Average total assets | $14,899,330 | 6,310 |
| Average earning assets | $13,860,330 | 6,292 |
| Average equity | $1,437,000 | 6,313 |
| Average total loans | $8,960,670 | 6,186 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9002% | 3,615 |
| Cost of funding earning assets | 0.6832% | 928 |
| Net interest margin | 3.2170% | 4,543 |
| Noninterest income to average assets | 0.1326% | 5,939 |
| Noninterest expense to average assets | 3.1558% | 2,106 |
| Loan and lease loss provision to assets | -0.1061% | 6,212 |
| Net operating income to assets | 0.0796% | 5,914 |
| Return on assets (ROA) | 0.0796% | 5,962 |
| Pretax return on assets | 0.0796% | 5,970 |
| Return on Equity (ROE) | 0.8304% | 5,944 |
| Retained earnings to average equity (ytd only) | 0.8304% | 5,126 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 364 |
| Assets per employee ($millions) | 3.0290% | 5,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0471% | 4,777 |
| Loan loss allowance to noncurrent loans | 18.9409% | 5,734 |
| Noncurrent assets plus other real estate owned to assets | 3.2420% | 544 |
| Noncurrent loans to loans | 5.5280% | 213 |
| Net loans and leases to total assets | 58.0324% | 3,939 |
| Net loans and leases to deposits | 70.1493% | 3,735 |
| Net loans and leases to core deposits | 70.1493% | 4,136 |
| Total domestic deposits to total assets | 82.7270% | 4,261 |
| Equity capital to assets | 9.6930% | 4,519 |
| Core capital (leverage) ratio | 9.8693% | 3,791 |
| Tier 1 risk-based capital ratio | 20.9365% | 1,437 |
| Total risk-based capital ratio | 22.1814% | 1,413 |
| Memoranda: | ||
| Average total assets | $15,083,500 | 6,379 |
| Average earning assets | $14,050,500 | 6,355 |
| Average equity | $1,445,000 | 6,381 |
| Average total loans | $8,975,000 | 6,253 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0403% | 3,556 |
| Cost of funding earning assets | 0.6964% | 1,133 |
| Net interest margin | 3.3440% | 4,422 |
| Noninterest income to average assets | 0.0534% | 6,282 |
| Noninterest expense to average assets | 3.5064% | 1,470 |
| Loan and lease loss provision to assets | 0.0668% | 3,160 |
| Net operating income to assets | -0.3072% | 6,240 |
| Return on assets (ROA) | -0.3072% | 6,236 |
| Pretax return on assets | -0.4408% | 6,269 |
| Return on Equity (ROE) | -3.4859% | 6,264 |
| Retained earnings to average equity (ytd only) | -3.4859% | 6,119 |
| Net charge-offs to loans | 0.0562% | 3,709 |
| Credit loss provision to net charge-offs | 200.0000% | 1,222 |
| Earnings coverage of net charge-offs (x) | -11.2000% | 4,919 |
| Efficiency ratio | 111.5139% | 198 |
| Assets per employee ($millions) | 3.0044% | 5,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0697% | 4,696 |
| Loan loss allowance to noncurrent loans | 27.7143% | 5,704 |
| Noncurrent assets plus other real estate owned to assets | 2.3299% | 1,016 |
| Noncurrent loans to loans | 3.8597% | 499 |
| Net loans and leases to total assets | 59.7191% | 3,824 |
| Net loans and leases to deposits | 72.0620% | 3,677 |
| Net loans and leases to core deposits | 72.0620% | 4,114 |
| Total domestic deposits to total assets | 82.8718% | 4,120 |
| Equity capital to assets | 9.4661% | 4,759 |
| Core capital (leverage) ratio | 9.7527% | 3,900 |
| Tier 1 risk-based capital ratio | 20.7960% | 1,444 |
| Total risk-based capital ratio | 22.0469% | 1,417 |
| Memoranda: | ||
| Average total assets | $14,972,600 | 6,466 |
| Average earning assets | $13,786,000 | 6,449 |
| Average equity | $1,319,600 | 6,477 |
| Average total loans | $8,898,600 | 6,344 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2308% | 2,884 |
| Cost of funding earning assets | 0.6889% | 1,206 |
| Net interest margin | 3.5418% | 3,663 |
| Noninterest income to average assets | 0.0446% | 6,398 |
| Noninterest expense to average assets | 3.1817% | 2,234 |
| Loan and lease loss provision to assets | 0.0267% | 3,872 |
| Net operating income to assets | 0.0535% | 6,084 |
| Return on assets (ROA) | 0.0535% | 6,110 |
| Pretax return on assets | 0.0891% | 6,072 |
| Return on Equity (ROE) | 0.6182% | 6,083 |
| Retained earnings to average equity (ytd only) | 0.6182% | 5,622 |
| Net charge-offs to loans | 0.0150% | 4,252 |
| Credit loss provision to net charge-offs | 300.0000% | 905 |
| Earnings coverage of net charge-offs (x) | 13.0301% | 2,263 |
| Efficiency ratio | 96.4865% | 488 |
| Assets per employee ($millions) | 3.0638% | 5,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0313% | 5,071 |
| Loan loss allowance to noncurrent loans | 45.6311% | 5,285 |
| Noncurrent assets plus other real estate owned to assets | 1.3447% | 2,292 |
| Noncurrent loans to loans | 2.2600% | 1,332 |
| Net loans and leases to total assets | 58.8877% | 3,949 |
| Net loans and leases to deposits | 70.7863% | 3,823 |
| Net loans and leases to core deposits | 70.7863% | 4,261 |
| Total domestic deposits to total assets | 83.1908% | 4,068 |
| Equity capital to assets | 9.1716% | 5,180 |
| Core capital (leverage) ratio | 10.0823% | 3,552 |
| Tier 1 risk-based capital ratio | 21.5411% | 1,337 |
| Total risk-based capital ratio | 22.7784% | 1,315 |
| Memoranda: | ||
| Average total assets | $14,960,250 | 6,546 |
| Average earning assets | $13,740,250 | 6,529 |
| Average equity | $1,294,000 | 6,556 |
| Average total loans | $8,856,250 | 6,419 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1754% | 3,052 |
| Cost of funding earning assets | 0.6716% | 1,368 |
| Net interest margin | 3.5038% | 3,774 |
| Noninterest income to average assets | -0.0135% | 6,572 |
| Noninterest expense to average assets | 3.2478% | 2,059 |
| Loan and lease loss provision to assets | 0.0270% | 3,734 |
| Net operating income to assets | -0.0674% | 6,238 |
| Return on assets (ROA) | -0.0674% | 6,250 |
| Pretax return on assets | -0.0539% | 6,227 |
| Return on Equity (ROE) | -0.7955% | 6,261 |
| Retained earnings to average equity (ytd only) | -0.7955% | 5,825 |
| Net charge-offs to loans | 0.0228% | 3,748 |
| Credit loss provision to net charge-offs | 200.0000% | 1,157 |
| Earnings coverage of net charge-offs (x) | -2.0000% | 4,241 |
| Efficiency ratio | 100.8368% | 382 |
| Assets per employee ($millions) | 3.0164% | 5,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0320% | 5,203 |
| Loan loss allowance to noncurrent loans | 34.9624% | 5,644 |
| Noncurrent assets plus other real estate owned to assets | 1.7637% | 1,837 |
| Noncurrent loans to loans | 2.9516% | 999 |
| Net loans and leases to total assets | 59.1367% | 3,843 |
| Net loans and leases to deposits | 71.3406% | 3,660 |
| Net loans and leases to core deposits | 72.8022% | 3,968 |
| Total domestic deposits to total assets | 82.8935% | 4,350 |
| Equity capital to assets | 9.0174% | 5,279 |
| Core capital (leverage) ratio | 10.3357% | 3,159 |
| Tier 1 risk-based capital ratio | 21.2995% | 1,387 |
| Total risk-based capital ratio | 22.5319% | 1,362 |
| Memoranda: | ||
| Average total assets | $14,840,670 | 6,612 |
| Average earning assets | $13,699,330 | 6,596 |
| Average equity | $1,257,000 | 6,623 |
| Average total loans | $8,770,000 | 6,480 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0274% | 3,580 |
| Cost of funding earning assets | 0.7107% | 1,186 |
| Net interest margin | 3.3167% | 4,468 |
| Noninterest income to average assets | 0.0543% | 6,478 |
| Noninterest expense to average assets | 3.3152% | 1,913 |
| Loan and lease loss provision to assets | 0.4076% | 412 |
| Net operating income to assets | -0.6250% | 6,509 |
| Return on assets (ROA) | -0.6250% | 6,508 |
| Pretax return on assets | -0.6250% | 6,489 |
| Return on Equity (ROE) | -7.6317% | 6,525 |
| Retained earnings to average equity (ytd only) | -7.6317% | 6,271 |
| Net charge-offs to loans | 0.0462% | 2,740 |
| Credit loss provision to net charge-offs | 1,500.0000% | 212 |
| Earnings coverage of net charge-offs (x) | -8.0000% | 3,593 |
| Efficiency ratio | 107.0175% | 313 |
| Assets per employee ($millions) | 2.9436% | 5,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2139% | 4,576 |
| Loan loss allowance to noncurrent loans | 27.6762% | 5,920 |
| Noncurrent assets plus other real estate owned to assets | 3.0779% | 911 |
| Noncurrent loans to loans | 4.3862% | 570 |
| Net loans and leases to total assets | 58.6085% | 3,750 |
| Net loans and leases to deposits | 67.6921% | 3,889 |
| Net loans and leases to core deposits | 69.0522% | 4,196 |
| Total domestic deposits to total assets | 86.5811% | 3,058 |
| Equity capital to assets | 8.5881% | 5,563 |
| Core capital (leverage) ratio | 10.1041% | 3,423 |
| Tier 1 risk-based capital ratio | 21.2477% | 1,426 |
| Total risk-based capital ratio | 22.4782% | 1,404 |
| Memoranda: | ||
| Average total assets | $14,720,000 | 6,687 |
| Average earning assets | $13,507,500 | 6,670 |
| Average equity | $1,205,500 | 6,694 |
| Average total loans | $8,649,000 | 6,554 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0510% | 3,919 |
| Cost of funding earning assets | 0.7530% | 1,481 |
| Net interest margin | 3.2980% | 4,673 |
| Noninterest income to average assets | 0.2013% | 5,877 |
| Noninterest expense to average assets | 3.0201% | 2,996 |
| Loan and lease loss provision to assets | -0.0903% | 6,466 |
| Net operating income to assets | 0.2013% | 5,812 |
| Return on assets (ROA) | 0.2013% | 5,884 |
| Pretax return on assets | 0.3124% | 5,698 |
| Return on Equity (ROE) | 2.1613% | 5,781 |
| Retained earnings to average equity (ytd only) | 2.1613% | 4,709 |
| Net charge-offs to loans | 0.0489% | 4,537 |
| Credit loss provision to net charge-offs | -325.0000% | 6,065 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,750 |
| Efficiency ratio | 93.1478% | 796 |
| Assets per employee ($millions) | 2.9444% | 5,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0740% | 5,261 |
| Loan loss allowance to noncurrent loans | 20.0873% | 6,174 |
| Noncurrent assets plus other real estate owned to assets | 3.4506% | 860 |
| Noncurrent loans to loans | 5.3467% | 435 |
| Net loans and leases to total assets | 57.5601% | 4,107 |
| Net loans and leases to deposits | 65.7868% | 4,321 |
| Net loans and leases to core deposits | 65.7868% | 4,714 |
| Total domestic deposits to total assets | 87.4949% | 2,475 |
| Equity capital to assets | 7.7911% | 6,139 |
| Core capital (leverage) ratio | 10.6901% | 2,688 |
| Tier 1 risk-based capital ratio | 22.2529% | 1,218 |
| Total risk-based capital ratio | 23.5046% | 1,193 |
| Memoranda: | ||
| Average total assets | $14,403,400 | 6,768 |
| Average earning assets | $13,280,800 | 6,754 |
| Average equity | $1,341,800 | 6,773 |
| Average total loans | $8,176,400 | 6,643 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9969% | 4,144 |
| Cost of funding earning assets | 0.7651% | 1,516 |
| Net interest margin | 3.2318% | 4,893 |
| Noninterest income to average assets | 0.2048% | 5,953 |
| Noninterest expense to average assets | 2.9600% | 3,108 |
| Loan and lease loss provision to assets | -0.1768% | 6,704 |
| Net operating income to assets | 0.2700% | 5,710 |
| Return on assets (ROA) | 0.2700% | 5,819 |
| Pretax return on assets | 0.4096% | 5,601 |
| Return on Equity (ROE) | 2.7810% | 5,685 |
| Retained earnings to average equity (ytd only) | 2.7810% | 4,656 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7114% | 807 |
| Assets per employee ($millions) | 2.8304% | 6,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0942% | 5,351 |
| Loan loss allowance to noncurrent loans | 25.8621% | 6,110 |
| Noncurrent assets plus other real estate owned to assets | 2.8123% | 1,321 |
| Noncurrent loans to loans | 4.2310% | 812 |
| Net loans and leases to total assets | 57.4830% | 4,092 |
| Net loans and leases to deposits | 63.2483% | 4,596 |
| Net loans and leases to core deposits | 63.2483% | 4,985 |
| Total domestic deposits to total assets | 90.8847% | 582 |
| Equity capital to assets | 8.5995% | 5,624 |
| Core capital (leverage) ratio | 9.2886% | 4,707 |
| Tier 1 risk-based capital ratio | 19.8115% | 1,780 |
| Total risk-based capital ratio | 21.1799% | 1,725 |
| Memoranda: | ||
| Average total assets | $14,323,750 | 6,846 |
| Average earning assets | $13,243,250 | 6,833 |
| Average equity | $1,390,500 | 6,846 |
| Average total loans | $8,079,000 | 6,720 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9604% | 4,261 |
| Cost of funding earning assets | 0.7651% | 1,618 |
| Net interest margin | 3.1953% | 4,966 |
| Noninterest income to average assets | 0.2225% | 5,852 |
| Noninterest expense to average assets | 2.8510% | 3,511 |
| Loan and lease loss provision to assets | -0.0695% | 6,672 |
| Net operating income to assets | 0.2781% | 5,674 |
| Return on assets (ROA) | 0.2781% | 5,810 |
| Pretax return on assets | 0.4033% | 5,635 |
| Return on Equity (ROE) | 2.7618% | 5,705 |
| Retained earnings to average equity (ytd only) | 2.7618% | 4,558 |
| Net charge-offs to loans | 0.0747% | 3,645 |
| Credit loss provision to net charge-offs | -166.6667% | 5,695 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,466 |
| Efficiency ratio | 89.5197% | 1,085 |
| Assets per employee ($millions) | 2.8542% | 6,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2478% | 4,742 |
| Loan loss allowance to noncurrent loans | 25.8974% | 6,150 |
| Noncurrent assets plus other real estate owned to assets | 3.0832% | 1,305 |
| Noncurrent loans to loans | 4.8184% | 694 |
| Net loans and leases to total assets | 56.0087% | 4,289 |
| Net loans and leases to deposits | 62.2993% | 4,694 |
| Net loans and leases to core deposits | 62.2993% | 5,070 |
| Total domestic deposits to total assets | 89.9026% | 1,081 |
| Equity capital to assets | 9.4527% | 4,645 |
| Core capital (leverage) ratio | 9.8618% | 3,699 |
| Tier 1 risk-based capital ratio | 21.5543% | 1,378 |
| Total risk-based capital ratio | 22.8158% | 1,343 |
| Memoranda: | ||
| Average total assets | $14,381,000 | 6,895 |
| Average earning assets | $13,332,000 | 6,879 |
| Average equity | $1,448,330 | 6,890 |
| Average total loans | $8,030,330 | 6,772 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6111% | 5,420 |
| Cost of funding earning assets | 0.7759% | 1,670 |
| Net interest margin | 2.8352% | 5,955 |
| Noninterest income to average assets | 0.3602% | 4,785 |
| Noninterest expense to average assets | 3.2142% | 2,310 |
| Loan and lease loss provision to assets | -0.1385% | 6,863 |
| Net operating income to assets | -0.0831% | 6,423 |
| Return on assets (ROA) | -0.0831% | 6,477 |
| Pretax return on assets | -0.0831% | 6,472 |
| Return on Equity (ROE) | -0.8011% | 6,488 |
| Retained earnings to average equity (ytd only) | -0.8011% | 5,924 |
| Net charge-offs to loans | 0.2000% | 2,219 |
| Credit loss provision to net charge-offs | -125.0000% | 5,173 |
| Earnings coverage of net charge-offs (x) | -2.0000% | 4,017 |
| Efficiency ratio | 107.4074% | 369 |
| Assets per employee ($millions) | 2.8666% | 6,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2588% | 4,900 |
| Loan loss allowance to noncurrent loans | 26.0417% | 6,166 |
| Noncurrent assets plus other real estate owned to assets | 3.0280% | 1,480 |
| Noncurrent loans to loans | 4.8338% | 803 |
| Net loans and leases to total assets | 54.7269% | 4,287 |
| Net loans and leases to deposits | 62.8425% | 4,438 |
| Net loans and leases to core deposits | 62.8425% | 4,865 |
| Total domestic deposits to total assets | 87.0857% | 2,913 |
| Equity capital to assets | 10.4863% | 3,555 |
| Core capital (leverage) ratio | 10.3605% | 2,952 |
| Tier 1 risk-based capital ratio | 23.5303% | 1,082 |
| Total risk-based capital ratio | 24.7889% | 1,061 |
| Memoranda: | ||
| Average total assets | $14,436,000 | 6,970 |
| Average earning assets | $13,403,000 | 6,953 |
| Average equity | $1,498,000 | 6,954 |
| Average total loans | $7,998,500 | 6,846 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0070% | 5,276 |
| Cost of funding earning assets | 1.0622% | 1,065 |
| Net interest margin | 2.9448% | 6,145 |
| Noninterest income to average assets | 0.1969% | 6,008 |
| Noninterest expense to average assets | 3.2456% | 2,480 |
| Loan and lease loss provision to assets | 0.1018% | 4,366 |
| Net operating income to assets | -0.4413% | 6,540 |
| Return on assets (ROA) | -0.4413% | 6,583 |
| Pretax return on assets | -0.4210% | 6,540 |
| Return on Equity (ROE) | -4.1619% | 6,560 |
| Retained earnings to average equity (ytd only) | -4.1619% | 6,375 |
| Net charge-offs to loans | 0.0764% | 4,913 |
| Credit loss provision to net charge-offs | 250.0000% | 973 |
| Earnings coverage of net charge-offs (x) | -7.8333% | 5,934 |
| Efficiency ratio | 110.9049% | 321 |
| Assets per employee ($millions) | 2.9078% | 6,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3535% | 4,384 |
| Loan loss allowance to noncurrent loans | 20.6439% | 6,370 |
| Noncurrent assets plus other real estate owned to assets | 3.9755% | 1,078 |
| Noncurrent loans to loans | 6.5566% | 506 |
| Net loans and leases to total assets | 54.6392% | 4,520 |
| Net loans and leases to deposits | 61.2490% | 4,877 |
| Net loans and leases to core deposits | 61.2490% | 5,243 |
| Total domestic deposits to total assets | 89.2083% | 1,430 |
| Equity capital to assets | 10.2689% | 3,801 |
| Core capital (leverage) ratio | 10.0075% | 3,386 |
| Tier 1 risk-based capital ratio | 23.2210% | 1,077 |
| Total risk-based capital ratio | 24.4647% | 1,060 |
| Memoranda: | ||
| Average total assets | $14,727,600 | 7,030 |
| Average earning assets | $13,651,000 | 7,016 |
| Average equity | $1,561,800 | 7,018 |
| Average total loans | $7,852,000 | 6,920 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0516% | 5,355 |
| Cost of funding earning assets | 1.1201% | 984 |
| Net interest margin | 2.9316% | 6,303 |
| Noninterest income to average assets | 0.1985% | 6,108 |
| Noninterest expense to average assets | 3.0953% | 2,906 |
| Loan and lease loss provision to assets | -0.0181% | 6,960 |
| Net operating income to assets | -0.2437% | 6,525 |
| Return on assets (ROA) | -0.2437% | 6,595 |
| Pretax return on assets | -0.1624% | 6,522 |
| Return on Equity (ROE) | -2.2799% | 6,591 |
| Retained earnings to average equity (ytd only) | -2.2799% | 6,427 |
| Net charge-offs to loans | 0.1196% | 4,177 |
| Credit loss provision to net charge-offs | -28.5714% | 6,141 |
| Earnings coverage of net charge-offs (x) | -2.8585% | 5,677 |
| Efficiency ratio | 106.1920% | 377 |
| Assets per employee ($millions) | 2.9214% | 6,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1572% | 5,485 |
| Loan loss allowance to noncurrent loans | 16.3082% | 6,572 |
| Noncurrent assets plus other real estate owned to assets | 4.1624% | 1,149 |
| Noncurrent loans to loans | 7.0956% | 508 |
| Net loans and leases to total assets | 53.2142% | 4,872 |
| Net loans and leases to deposits | 59.8937% | 5,223 |
| Net loans and leases to core deposits | 59.8937% | 5,571 |
| Total domestic deposits to total assets | 88.8478% | 1,512 |
| Equity capital to assets | 10.6319% | 3,692 |
| Core capital (leverage) ratio | 10.3017% | 3,162 |
| Tier 1 risk-based capital ratio | 23.8841% | 1,035 |
| Total risk-based capital ratio | 25.1345% | 1,018 |
| Memoranda: | ||
| Average total assets | $14,774,750 | 7,126 |
| Average earning assets | $13,689,500 | 7,109 |
| Average equity | $1,579,000 | 7,111 |
| Average total loans | $7,801,750 | 7,015 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2174% | 4,890 |
| Cost of funding earning assets | 1.1675% | 953 |
| Net interest margin | 3.0500% | 6,125 |
| Noninterest income to average assets | 0.2023% | 6,109 |
| Noninterest expense to average assets | 2.7645% | 4,159 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.1483% | 6,046 |
| Return on assets (ROA) | 0.1483% | 6,216 |
| Pretax return on assets | 0.2562% | 6,045 |
| Return on Equity (ROE) | 1.3857% | 6,218 |
| Retained earnings to average equity (ytd only) | 1.3857% | 5,503 |
| Net charge-offs to loans | 0.0514% | 4,687 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 9.5000% | 2,157 |
| Efficiency ratio | 91.5179% | 957 |
| Assets per employee ($millions) | 2.9854% | 6,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2279% | 5,220 |
| Loan loss allowance to noncurrent loans | 25.8575% | 6,328 |
| Noncurrent assets plus other real estate owned to assets | 2.9142% | 1,897 |
| Noncurrent loans to loans | 4.7488% | 1,072 |
| Net loans and leases to total assets | 52.8103% | 4,987 |
| Net loans and leases to deposits | 59.6609% | 5,270 |
| Net loans and leases to core deposits | 59.6609% | 5,626 |
| Total domestic deposits to total assets | 88.5175% | 1,800 |
| Equity capital to assets | 10.7255% | 3,427 |
| Core capital (leverage) ratio | 10.4584% | 2,849 |
| Tier 1 risk-based capital ratio | 24.7455% | 928 |
| Total risk-based capital ratio | 25.9701% | 917 |
| Memoranda: | ||
| Average total assets | $14,830,670 | 7,188 |
| Average earning assets | $13,705,000 | 7,167 |
| Average equity | $1,587,670 | 7,166 |
| Average total loans | $7,781,000 | 7,076 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2124% | 5,065 |
| Cost of funding earning assets | 1.2286% | 853 |
| Net interest margin | 2.9838% | 6,323 |
| Noninterest income to average assets | 0.2165% | 6,067 |
| Noninterest expense to average assets | 2.7600% | 4,207 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1353% | 6,161 |
| Return on assets (ROA) | 0.1353% | 6,284 |
| Pretax return on assets | 0.2165% | 6,167 |
| Return on Equity (ROE) | 1.2650% | 6,294 |
| Retained earnings to average equity (ytd only) | 1.2650% | 5,588 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7273% | 899 |
| Assets per employee ($millions) | 2.9430% | 6,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2758% | 5,129 |
| Loan loss allowance to noncurrent loans | 35.4610% | 5,882 |
| Noncurrent assets plus other real estate owned to assets | 2.2970% | 2,588 |
| Noncurrent loans to loans | 3.5979% | 1,730 |
| Net loans and leases to total assets | 52.5858% | 4,938 |
| Net loans and leases to deposits | 59.3177% | 5,242 |
| Net loans and leases to core deposits | 59.3177% | 5,592 |
| Total domestic deposits to total assets | 88.6510% | 1,915 |
| Equity capital to assets | 10.6830% | 3,289 |
| Core capital (leverage) ratio | 10.4935% | 2,759 |
| Tier 1 risk-based capital ratio | 25.1012% | 896 |
| Total risk-based capital ratio | 26.3644% | 879 |
| Memoranda: | ||
| Average total assets | $14,782,500 | 7,249 |
| Average earning assets | $13,674,000 | 7,230 |
| Average equity | $1,581,000 | 7,223 |
| Average total loans | $7,681,000 | 7,140 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4950% | 5,093 |
| Cost of funding earning assets | 1.5034% | 709 |
| Net interest margin | 2.9917% | 6,542 |
| Noninterest income to average assets | 0.1220% | 6,538 |
| Noninterest expense to average assets | 3.1844% | 2,920 |
| Loan and lease loss provision to assets | -0.0407% | 7,237 |
| Net operating income to assets | -0.2981% | 6,342 |
| Return on assets (ROA) | -0.2981% | 6,392 |
| Pretax return on assets | -0.3252% | 6,366 |
| Return on Equity (ROE) | -2.8230% | 6,394 |
| Retained earnings to average equity (ytd only) | -2.8230% | 6,248 |
| Net charge-offs to loans | -0.0398% | 7,030 |
| Credit loss provision to net charge-offs | 200.0000% | 1,243 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.9808% | 382 |
| Assets per employee ($millions) | 2.9700% | 6,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3291% | 4,761 |
| Loan loss allowance to noncurrent loans | 25.8398% | 6,398 |
| Noncurrent assets plus other real estate owned to assets | 2.9832% | 2,018 |
| Noncurrent loans to loans | 5.1435% | 1,085 |
| Net loans and leases to total assets | 49.9933% | 5,580 |
| Net loans and leases to deposits | 56.3150% | 5,864 |
| Net loans and leases to core deposits | 56.3150% | 6,140 |
| Total domestic deposits to total assets | 88.7744% | 1,674 |
| Equity capital to assets | 10.7071% | 3,294 |
| Core capital (leverage) ratio | 10.3903% | 2,856 |
| Tier 1 risk-based capital ratio | 24.8872% | 879 |
| Total risk-based capital ratio | 26.1122% | 871 |
| Memoranda: | ||
| Average total assets | $14,759,400 | 7,288 |
| Average earning assets | $13,303,600 | 7,279 |
| Average equity | $1,558,600 | 7,281 |
| Average total loans | $7,543,200 | 7,197 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5419% | 5,113 |
| Cost of funding earning assets | 1.5543% | 709 |
| Net interest margin | 2.9875% | 6,610 |
| Noninterest income to average assets | 0.3257% | 5,262 |
| Noninterest expense to average assets | 3.0671% | 3,293 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.1900% | 6,376 |
| Return on assets (ROA) | -0.1900% | 6,457 |
| Pretax return on assets | -0.0633% | 6,296 |
| Return on Equity (ROE) | -1.8056% | 6,463 |
| Retained earnings to average equity (ytd only) | -1.8056% | 6,274 |
| Net charge-offs to loans | -0.0530% | 7,058 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.1084% | 605 |
| Assets per employee ($millions) | 2.9818% | 6,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4077% | 4,524 |
| Loan loss allowance to noncurrent loans | 27.5325% | 6,382 |
| Noncurrent assets plus other real estate owned to assets | 3.0586% | 2,097 |
| Noncurrent loans to loans | 5.1129% | 1,199 |
| Net loans and leases to total assets | 49.7954% | 5,727 |
| Net loans and leases to deposits | 56.1064% | 6,025 |
| Net loans and leases to core deposits | 56.1064% | 6,307 |
| Total domestic deposits to total assets | 88.7518% | 1,583 |
| Equity capital to assets | 10.8324% | 3,318 |
| Core capital (leverage) ratio | 10.6795% | 2,686 |
| Tier 1 risk-based capital ratio | 26.3591% | 803 |
| Total risk-based capital ratio | 27.6112% | 776 |
| Memoranda: | ||
| Average total assets | $14,736,750 | 7,365 |
| Average earning assets | $13,210,250 | 7,354 |
| Average equity | $1,550,750 | 7,356 |
| Average total loans | $7,548,000 | 7,269 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6606% | 4,704 |
| Cost of funding earning assets | 1.6045% | 684 |
| Net interest margin | 3.0562% | 6,496 |
| Noninterest income to average assets | 0.2861% | 5,593 |
| Noninterest expense to average assets | 3.5424% | 1,880 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.4360% | 6,645 |
| Return on assets (ROA) | -0.4360% | 6,670 |
| Pretax return on assets | -0.5314% | 6,676 |
| Return on Equity (ROE) | -4.1848% | 6,654 |
| Retained earnings to average equity (ytd only) | -4.1848% | 6,490 |
| Net charge-offs to loans | -0.0794% | 7,114 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.6471% | 363 |
| Assets per employee ($millions) | 3.0106% | 6,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4126% | 4,506 |
| Loan loss allowance to noncurrent loans | 26.6332% | 6,443 |
| Noncurrent assets plus other real estate owned to assets | 3.1157% | 2,155 |
| Noncurrent loans to loans | 5.3038% | 1,212 |
| Net loans and leases to total assets | 49.1463% | 5,927 |
| Net loans and leases to deposits | 54.9751% | 6,227 |
| Net loans and leases to core deposits | 54.9751% | 6,494 |
| Total domestic deposits to total assets | 89.3975% | 1,303 |
| Equity capital to assets | 10.2305% | 3,843 |
| Core capital (leverage) ratio | 10.8412% | 2,378 |
| Tier 1 risk-based capital ratio | 26.2698% | 790 |
| Total risk-based capital ratio | 27.5561% | 769 |
| Memoranda: | ||
| Average total assets | $14,679,330 | 7,440 |
| Average earning assets | $13,088,330 | 7,429 |
| Average equity | $1,529,330 | 7,430 |
| Average total loans | $7,554,000 | 7,343 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3465% | 5,869 |
| Cost of funding earning assets | 1.6455% | 686 |
| Net interest margin | 2.7010% | 7,018 |
| Noninterest income to average assets | 0.2484% | 5,914 |
| Noninterest expense to average assets | 3.0085% | 3,610 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.3588% | 6,713 |
| Return on assets (ROA) | -0.3588% | 6,719 |
| Pretax return on assets | -0.3588% | 6,658 |
| Return on Equity (ROE) | -3.4121% | 6,701 |
| Retained earnings to average equity (ytd only) | -3.4121% | 6,350 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.5417% | 433 |
| Assets per employee ($millions) | 2.9570% | 6,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3655% | 4,826 |
| Loan loss allowance to noncurrent loans | 16.9967% | 6,869 |
| Noncurrent assets plus other real estate owned to assets | 5.0524% | 1,243 |
| Noncurrent loans to loans | 8.0339% | 620 |
| Net loans and leases to total assets | 50.3213% | 5,808 |
| Net loans and leases to deposits | 56.4406% | 6,090 |
| Net loans and leases to core deposits | 56.4406% | 6,376 |
| Total domestic deposits to total assets | 89.1579% | 1,673 |
| Equity capital to assets | 10.2401% | 3,483 |
| Core capital (leverage) ratio | 11.1687% | 2,053 |
| Tier 1 risk-based capital ratio | 26.0435% | 785 |
| Total risk-based capital ratio | 27.3006% | 767 |
| Memoranda: | ||
| Average total assets | $14,492,500 | 7,503 |
| Average earning assets | $12,884,000 | 7,489 |
| Average equity | $1,524,000 | 7,484 |
| Average total loans | $7,579,000 | 7,400 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9971% | 4,575 |
| Cost of funding earning assets | 2.1930% | 311 |
| Net interest margin | 2.8041% | 7,023 |
| Noninterest income to average assets | 0.2262% | 6,189 |
| Noninterest expense to average assets | 3.0060% | 3,834 |
| Loan and lease loss provision to assets | 0.0803% | 6,352 |
| Net operating income to assets | -0.2329% | 6,150 |
| Return on assets (ROA) | -0.2189% | 6,189 |
| Pretax return on assets | -0.3940% | 6,242 |
| Return on Equity (ROE) | -1.8562% | 6,157 |
| Retained earnings to average equity (ytd only) | -1.8562% | 5,946 |
| Net charge-offs to loans | 0.1206% | 5,681 |
| Credit loss provision to net charge-offs | 122.2222% | 3,423 |
| Earnings coverage of net charge-offs (x) | -5.1111% | 6,773 |
| Efficiency ratio | 112.5683% | 496 |
| Assets per employee ($millions) | 3.5500% | 4,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3526% | 4,735 |
| Loan loss allowance to noncurrent loans | 20.9776% | 6,772 |
| Noncurrent assets plus other real estate owned to assets | 4.4507% | 1,497 |
| Noncurrent loans to loans | 6.4478% | 935 |
| Net loans and leases to total assets | 52.9014% | 5,798 |
| Net loans and leases to deposits | 59.6949% | 6,092 |
| Net loans and leases to core deposits | 59.6949% | 6,418 |
| Total domestic deposits to total assets | 88.6197% | 1,878 |
| Equity capital to assets | 10.8028% | 2,859 |
| Core capital (leverage) ratio | 11.4929% | 1,835 |
| Tier 1 risk-based capital ratio | 26.3848% | 725 |
| Total risk-based capital ratio | 27.6320% | 706 |
| Memoranda: | ||
| Average total assets | $13,706,000 | 7,589 |
| Average earning assets | $11,947,000 | 7,583 |
| Average equity | $1,616,200 | 7,563 |
| Average total loans | $7,459,600 | 7,489 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0950% | 4,348 |
| Cost of funding earning assets | 2.3046% | 266 |
| Net interest margin | 2.7904% | 7,141 |
| Noninterest income to average assets | 0.2748% | 5,912 |
| Noninterest expense to average assets | 3.0627% | 3,525 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | -0.2152% | 6,340 |
| Return on assets (ROA) | -0.1964% | 6,381 |
| Pretax return on assets | -0.3338% | 6,437 |
| Return on Equity (ROE) | -1.6294% | 6,355 |
| Retained earnings to average equity (ytd only) | -1.6294% | 6,124 |
| Net charge-offs to loans | 0.0899% | 5,628 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | -7.3958% | 6,613 |
| Efficiency ratio | 113.4545% | 470 |
| Assets per employee ($millions) | 3.5053% | 4,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2744% | 5,087 |
| Loan loss allowance to noncurrent loans | 18.5328% | 6,963 |
| Noncurrent assets plus other real estate owned to assets | 4.6930% | 1,405 |
| Noncurrent loans to loans | 6.8764% | 832 |
| Net loans and leases to total assets | 53.0419% | 5,979 |
| Net loans and leases to deposits | 60.5718% | 6,268 |
| Net loans and leases to core deposits | 60.5718% | 6,567 |
| Total domestic deposits to total assets | 87.5686% | 2,225 |
| Equity capital to assets | 11.7609% | 2,315 |
| Core capital (leverage) ratio | 12.0249% | 1,653 |
| Tier 1 risk-based capital ratio | 27.1403% | 682 |
| Total risk-based capital ratio | 28.3822% | 677 |
| Memoranda: | ||
| Average total assets | $13,582,500 | 7,690 |
| Average earning assets | $11,802,250 | 7,684 |
| Average equity | $1,636,750 | 7,658 |
| Average total loans | $7,420,750 | 7,583 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2312% | 3,798 |
| Cost of funding earning assets | 2.4196% | 226 |
| Net interest margin | 2.8115% | 7,130 |
| Noninterest income to average assets | 0.2828% | 5,879 |
| Noninterest expense to average assets | 2.9919% | 3,740 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -0.2170% | 6,375 |
| Return on assets (ROA) | -0.1786% | 6,384 |
| Pretax return on assets | -0.2084% | 6,344 |
| Return on Equity (ROE) | -1.4700% | 6,369 |
| Retained earnings to average equity (ytd only) | -1.4700% | 6,055 |
| Net charge-offs to loans | 0.0813% | 5,326 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | -5.6667% | 6,288 |
| Efficiency ratio | 109.2391% | 562 |
| Assets per employee ($millions) | 3.3908% | 5,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3058% | 4,883 |
| Loan loss allowance to noncurrent loans | 15.3365% | 7,139 |
| Noncurrent assets plus other real estate owned to assets | 4.9989% | 1,288 |
| Noncurrent loans to loans | 8.5143% | 583 |
| Net loans and leases to total assets | 54.6118% | 5,899 |
| Net loans and leases to deposits | 62.6968% | 6,171 |
| Net loans and leases to core deposits | 62.6968% | 6,494 |
| Total domestic deposits to total assets | 87.1046% | 2,479 |
| Equity capital to assets | 12.2539% | 1,949 |
| Core capital (leverage) ratio | 12.2828% | 1,506 |
| Tier 1 risk-based capital ratio | 28.1683% | 615 |
| Total risk-based capital ratio | 29.4168% | 604 |
| Memoranda: | ||
| Average total assets | $13,436,330 | 7,760 |
| Average earning assets | $11,737,330 | 7,749 |
| Average equity | $1,632,670 | 7,727 |
| Average total loans | $7,383,330 | 7,650 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5348% | 2,433 |
| Cost of funding earning assets | 2.6107% | 159 |
| Net interest margin | 2.9240% | 6,979 |
| Noninterest income to average assets | 0.1196% | 7,094 |
| Noninterest expense to average assets | 2.9014% | 4,052 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.2393% | 6,592 |
| Return on assets (ROA) | -0.2393% | 6,661 |
| Pretax return on assets | -0.2692% | 6,608 |
| Return on Equity (ROE) | -1.9778% | 6,636 |
| Retained earnings to average equity (ytd only) | -1.9778% | 6,210 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.2273% | 592 |
| Assets per employee ($millions) | 3.4625% | 5,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3656% | 4,594 |
| Loan loss allowance to noncurrent loans | 16.1085% | 7,175 |
| Noncurrent assets plus other real estate owned to assets | 4.8087% | 1,369 |
| Noncurrent loans to loans | 8.4776% | 615 |
| Net loans and leases to total assets | 52.6715% | 6,201 |
| Net loans and leases to deposits | 60.2893% | 6,438 |
| Net loans and leases to core deposits | 60.2893% | 6,721 |
| Total domestic deposits to total assets | 87.3646% | 2,426 |
| Equity capital to assets | 11.9206% | 2,090 |
| Core capital (leverage) ratio | 12.4905% | 1,408 |
| Tier 1 risk-based capital ratio | 27.3163% | 686 |
| Total risk-based capital ratio | 28.4911% | 676 |
| Memoranda: | ||
| Average total assets | $13,373,000 | 7,861 |
| Average earning assets | $11,491,000 | 7,855 |
| Average equity | $1,618,000 | 7,816 |
| Average total loans | $7,322,500 | 7,748 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7353% | 2,934 |
| Cost of funding earning assets | 2.9064% | 302 |
| Net interest margin | 2.8289% | 7,010 |
| Noninterest income to average assets | 0.1342% | 7,084 |
| Noninterest expense to average assets | 4.1027% | 1,230 |
| Loan and lease loss provision to assets | 0.2685% | 5,262 |
| Net operating income to assets | -1.2249% | 6,722 |
| Return on assets (ROA) | -1.2249% | 6,723 |
| Pretax return on assets | -1.7871% | 6,854 |
| Return on Equity (ROE) | -8.4579% | 6,506 |
| Retained earnings to average equity (ytd only) | -8.4579% | 6,390 |
| Net charge-offs to loans | 0.2942% | 4,792 |
| Credit loss provision to net charge-offs | 152.3810% | 3,017 |
| Earnings coverage of net charge-offs (x) | -8.6190% | 7,155 |
| Efficiency ratio | 158.7662% | 257 |
| Assets per employee ($millions) | 3.2240% | 5,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3933% | 4,270 |
| Loan loss allowance to noncurrent loans | 18.3636% | 7,130 |
| Noncurrent assets plus other real estate owned to assets | 4.5673% | 1,411 |
| Noncurrent loans to loans | 7.5873% | 689 |
| Net loans and leases to total assets | 55.4280% | 6,034 |
| Net loans and leases to deposits | 63.8728% | 6,280 |
| Net loans and leases to core deposits | 77.1422% | 6,328 |
| Total domestic deposits to total assets | 86.7788% | 2,619 |
| Equity capital to assets | 12.2906% | 1,857 |
| Core capital (leverage) ratio | 13.4321% | 1,115 |
| Tier 1 risk-based capital ratio | 26.3878% | 736 |
| Total risk-based capital ratio | 27.6603% | 725 |
| Memoranda: | ||
| Average total assets | $11,919,000 | 7,948 |
| Average earning assets | $10,322,000 | 7,940 |
| Average equity | $1,726,200 | 7,887 |
| Average total loans | $7,138,000 | 7,819 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8259% | 2,779 |
| Cost of funding earning assets | 2.9723% | 360 |
| Net interest margin | 2.8534% | 6,962 |
| Noninterest income to average assets | 0.0229% | 7,756 |
| Noninterest expense to average assets | 3.7116% | 1,793 |
| Loan and lease loss provision to assets | 0.0571% | 6,793 |
| Net operating income to assets | -0.7765% | 6,671 |
| Return on assets (ROA) | -0.7765% | 6,678 |
| Pretax return on assets | -1.2791% | 6,853 |
| Return on Equity (ROE) | -5.1467% | 6,472 |
| Retained earnings to average equity (ytd only) | -5.1467% | 6,277 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 149.0826% | 327 |
| Assets per employee ($millions) | 3.0055% | 6,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3296% | 4,319 |
| Loan loss allowance to noncurrent loans | 14.5038% | 7,347 |
| Noncurrent assets plus other real estate owned to assets | 5.9142% | 922 |
| Noncurrent loans to loans | 9.1672% | 482 |
| Net loans and leases to total assets | 58.6425% | 5,785 |
| Net loans and leases to deposits | 69.1176% | 6,017 |
| Net loans and leases to core deposits | 83.9486% | 6,040 |
| Total domestic deposits to total assets | 84.8445% | 3,312 |
| Equity capital to assets | 14.3404% | 1,193 |
| Core capital (leverage) ratio | 14.6397% | 927 |
| Tier 1 risk-based capital ratio | 28.5315% | 650 |
| Total risk-based capital ratio | 29.7799% | 633 |
| Memoranda: | ||
| Average total assets | $11,674,750 | 8,036 |
| Average earning assets | $10,092,750 | 8,024 |
| Average equity | $1,761,500 | 7,966 |
| Average total loans | $7,110,250 | 7,898 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0090% | 2,150 |
| Cost of funding earning assets | 2.9846% | 497 |
| Net interest margin | 3.0244% | 6,474 |
| Noninterest income to average assets | 0.1211% | 7,376 |
| Noninterest expense to average assets | 2.9760% | 4,178 |
| Loan and lease loss provision to assets | 0.0865% | 6,307 |
| Net operating income to assets | -0.7959% | 6,830 |
| Return on assets (ROA) | -0.7959% | 6,829 |
| Pretax return on assets | -0.3114% | 6,243 |
| Return on Equity (ROE) | -5.1860% | 6,631 |
| Retained earnings to average equity (ytd only) | -5.1860% | 6,329 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.1761% | 904 |
| Assets per employee ($millions) | 2.9543% | 6,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3257% | 4,123 |
| Loan loss allowance to noncurrent loans | 19.8745% | 7,134 |
| Noncurrent assets plus other real estate owned to assets | 4.5189% | 1,237 |
| Noncurrent loans to loans | 6.6704% | 771 |
| Net loans and leases to total assets | 59.8375% | 5,701 |
| Net loans and leases to deposits | 70.7808% | 5,898 |
| Net loans and leases to core deposits | 87.9040% | 5,736 |
| Total domestic deposits to total assets | 84.5392% | 3,478 |
| Equity capital to assets | 14.7245% | 1,102 |
| Core capital (leverage) ratio | 15.0167% | 914 |
| Tier 1 risk-based capital ratio | 29.5512% | 627 |
| Total risk-based capital ratio | 30.8119% | 616 |
| Memoranda: | ||
| Average total assets | $11,559,000 | 8,125 |
| Average earning assets | $10,051,670 | 8,115 |
| Average equity | $1,774,000 | 8,045 |
| Average total loans | $7,098,670 | 7,989 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9602% | 2,524 |
| Cost of funding earning assets | 2.9409% | 697 |
| Net interest margin | 3.0193% | 6,427 |
| Noninterest income to average assets | 0.1400% | 7,301 |
| Noninterest expense to average assets | 2.9746% | 3,875 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.1050% | 6,416 |
| Return on assets (ROA) | -0.1050% | 6,532 |
| Pretax return on assets | -0.1400% | 6,512 |
| Return on Equity (ROE) | -0.6700% | 6,490 |
| Retained earnings to average equity (ytd only) | -0.6700% | 5,803 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.9383% | 954 |
| Assets per employee ($millions) | 2.8573% | 6,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2981% | 4,092 |
| Loan loss allowance to noncurrent loans | 20.4545% | 7,142 |
| Noncurrent assets plus other real estate owned to assets | 4.6986% | 999 |
| Noncurrent loans to loans | 6.3465% | 720 |
| Net loans and leases to total assets | 59.8740% | 5,676 |
| Net loans and leases to deposits | 71.8048% | 5,766 |
| Net loans and leases to core deposits | 90.1462% | 5,541 |
| Total domestic deposits to total assets | 83.3844% | 3,958 |
| Equity capital to assets | 15.6269% | 941 |
| Core capital (leverage) ratio | 15.8709% | 800 |
| Tier 1 risk-based capital ratio | 31.3537% | 567 |
| Total risk-based capital ratio | 32.5415% | 552 |
| Memoranda: | ||
| Average total assets | $11,430,000 | 8,174 |
| Average earning assets | $10,201,000 | 8,157 |
| Average equity | $1,791,000 | 8,093 |
| Average total loans | $7,065,000 | 8,032 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6439% | 2,271 |
| Cost of funding earning assets | 3.2559% | 1,031 |
| Net interest margin | 3.3880% | 5,706 |
| Noninterest income to average assets | 0.0087% | 8,074 |
| Noninterest expense to average assets | 3.2935% | 2,985 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -0.1390% | 6,546 |
| Return on assets (ROA) | -0.1390% | 6,395 |
| Pretax return on assets | -0.1651% | 6,340 |
| Return on Equity (ROE) | -0.8860% | 6,349 |
| Retained earnings to average equity (ytd only) | -0.8860% | 5,565 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.2778% | 825 |
| Assets per employee ($millions) | 2.8578% | 6,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2505% | 4,130 |
| Loan loss allowance to noncurrent loans | 18.9873% | 7,277 |
| Noncurrent assets plus other real estate owned to assets | 4.9952% | 697 |
| Noncurrent loans to loans | 6.5861% | 485 |
| Net loans and leases to total assets | 62.1730% | 5,598 |
| Net loans and leases to deposits | 76.8823% | 5,487 |
| Net loans and leases to core deposits | 93.6117% | 5,480 |
| Total domestic deposits to total assets | 80.8678% | 4,702 |
| Equity capital to assets | 15.7117% | 993 |
| Core capital (leverage) ratio | 15.8919% | 846 |
| Tier 1 risk-based capital ratio | 31.5780% | 572 |
| Total risk-based capital ratio | 32.7852% | 561 |
| Memoranda: | ||
| Average total assets | $11,507,600 | 8,222 |
| Average earning assets | $10,596,200 | 8,208 |
| Average equity | $1,805,800 | 8,156 |
| Average total loans | $7,308,600 | 8,067 |