Home > Gladewater National Bank > Performance and Condition Ratios
Gladewater National Bank, Performance and Condition Ratios
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2016% | 3,318 |
| Cost of funding earning assets | 0.4328% | 3,645 |
| Net interest margin | 3.7689% | 2,759 |
| Noninterest income to average assets | 0.3898% | 3,542 |
| Noninterest expense to average assets | 3.7708% | 689 |
| Loan and lease loss provision to assets | 0.3279% | 429 |
| Net operating income to assets | -0.3388% | 5,375 |
| Return on assets (ROA) | -0.3388% | 5,372 |
| Pretax return on assets | -0.4408% | 5,374 |
| Return on Equity (ROE) | -1.7195% | 5,346 |
| Retained earnings to average equity (ytd only) | -1.7195% | 5,179 |
| Net charge-offs to loans | 0.0899% | 1,606 |
| Credit loss provision to net charge-offs | 600.0000% | 592 |
| Earnings coverage of net charge-offs (x) | -2.0665% | 3,444 |
| Efficiency ratio | 103.0876% | 118 |
| Assets per employee ($millions) | 3.8934% | 4,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5871% | 82 |
| Loan loss allowance to noncurrent loans | 31.7972% | 4,712 |
| Noncurrent assets plus other real estate owned to assets | 8.1134% | 34 |
| Noncurrent loans to loans | 11.2813% | 21 |
| Net loans and leases to total assets | 58.2175% | 4,018 |
| Net loans and leases to deposits | 73.3575% | 3,654 |
| Net loans and leases to core deposits | 86.5617% | 2,951 |
| Total domestic deposits to total assets | 79.3613% | 4,241 |
| Equity capital to assets | 20.3790% | 221 |
| Core capital (leverage) ratio | 20.6037% | 211 |
| Tier 1 risk-based capital ratio | 33.5121% | 357 |
| Total risk-based capital ratio | 34.7880% | 349 |
| Memoranda: | ||
| Average total assets | $36,596,250 | 5,214 |
| Average earning assets | $31,733,000 | 5,239 |
| Average equity | $7,211,250 | 4,768 |
| Average total loans | $22,257,500 | 5,081 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1744% | 3,192 |
| Cost of funding earning assets | 0.4348% | 3,465 |
| Net interest margin | 3.7396% | 2,791 |
| Noninterest income to average assets | 0.4473% | 3,169 |
| Noninterest expense to average assets | 3.8853% | 611 |
| Loan and lease loss provision to assets | 0.3233% | 423 |
| Net operating income to assets | -0.4149% | 5,430 |
| Return on assets (ROA) | -0.4149% | 5,424 |
| Pretax return on assets | -0.5173% | 5,437 |
| Return on Equity (ROE) | -2.1286% | 5,403 |
| Retained earnings to average equity (ytd only) | -2.1286% | 5,159 |
| Net charge-offs to loans | 0.1326% | 1,126 |
| Credit loss provision to net charge-offs | 400.0000% | 813 |
| Earnings coverage of net charge-offs (x) | -2.4000% | 3,161 |
| Efficiency ratio | 105.2555% | 119 |
| Assets per employee ($millions) | 3.9776% | 3,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3753% | 92 |
| Loan loss allowance to noncurrent loans | 41.3500% | 4,574 |
| Noncurrent assets plus other real estate owned to assets | 6.1987% | 55 |
| Noncurrent loans to loans | 8.1628% | 43 |
| Net loans and leases to total assets | 58.2966% | 3,962 |
| Net loans and leases to deposits | 73.0631% | 3,621 |
| Net loans and leases to core deposits | 85.7924% | 2,943 |
| Total domestic deposits to total assets | 79.7894% | 4,284 |
| Equity capital to assets | 20.0263% | 229 |
| Core capital (leverage) ratio | 20.0138% | 225 |
| Tier 1 risk-based capital ratio | 38.7694% | 252 |
| Total risk-based capital ratio | 40.0502% | 245 |
| Memoranda: | ||
| Average total assets | $37,114,670 | 5,269 |
| Average earning assets | $32,196,330 | 5,291 |
| Average equity | $7,234,670 | 4,812 |
| Average total loans | $22,623,670 | 5,136 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1520% | 3,059 |
| Cost of funding earning assets | 0.4396% | 3,288 |
| Net interest margin | 3.7124% | 2,755 |
| Noninterest income to average assets | 0.5930% | 2,300 |
| Noninterest expense to average assets | 3.9393% | 563 |
| Loan and lease loss provision to assets | 0.3177% | 401 |
| Net operating income to assets | -0.3389% | 5,475 |
| Return on assets (ROA) | -0.3389% | 5,471 |
| Pretax return on assets | -0.4448% | 5,490 |
| Return on Equity (ROE) | -1.7613% | 5,446 |
| Retained earnings to average equity (ytd only) | -1.7613% | 4,986 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.3333% | 145 |
| Assets per employee ($millions) | 3.7255% | 4,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0808% | 144 |
| Loan loss allowance to noncurrent loans | 44.8774% | 4,539 |
| Noncurrent assets plus other real estate owned to assets | 5.3496% | 87 |
| Noncurrent loans to loans | 6.8649% | 74 |
| Net loans and leases to total assets | 60.2926% | 3,723 |
| Net loans and leases to deposits | 75.0610% | 3,309 |
| Net loans and leases to core deposits | 87.4348% | 2,686 |
| Total domestic deposits to total assets | 80.3248% | 4,358 |
| Equity capital to assets | 19.4202% | 236 |
| Core capital (leverage) ratio | 19.3977% | 237 |
| Tier 1 risk-based capital ratio | 35.9404% | 306 |
| Total risk-based capital ratio | 37.2136% | 302 |
| Memoranda: | ||
| Average total assets | $37,773,000 | 5,311 |
| Average earning assets | $32,755,500 | 5,338 |
| Average equity | $7,267,500 | 4,856 |
| Average total loans | $23,136,500 | 5,170 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5112% | 1,675 |
| Cost of funding earning assets | 0.4675% | 2,624 |
| Net interest margin | 4.0437% | 1,608 |
| Noninterest income to average assets | 0.3638% | 3,865 |
| Noninterest expense to average assets | 4.1407% | 455 |
| Loan and lease loss provision to assets | 0.2930% | 593 |
| Net operating income to assets | -0.4785% | 5,525 |
| Return on assets (ROA) | -0.4785% | 5,529 |
| Pretax return on assets | -0.5640% | 5,560 |
| Return on Equity (ROE) | -2.6200% | 5,477 |
| Retained earnings to average equity (ytd only) | -2.6200% | 5,326 |
| Net charge-offs to loans | 0.1905% | 1,334 |
| Credit loss provision to net charge-offs | 235.2941% | 1,181 |
| Earnings coverage of net charge-offs (x) | -2.1765% | 4,053 |
| Efficiency ratio | 107.0032% | 116 |
| Assets per employee ($millions) | 4.2546% | 3,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9614% | 150 |
| Loan loss allowance to noncurrent loans | 54.3720% | 4,392 |
| Noncurrent assets plus other real estate owned to assets | 4.6199% | 113 |
| Noncurrent loans to loans | 5.4466% | 112 |
| Net loans and leases to total assets | 58.5333% | 3,963 |
| Net loans and leases to deposits | 72.8262% | 3,617 |
| Net loans and leases to core deposits | 84.4340% | 3,030 |
| Total domestic deposits to total assets | 80.3740% | 4,269 |
| Equity capital to assets | 19.0645% | 246 |
| Core capital (leverage) ratio | 18.8154% | 246 |
| Tier 1 risk-based capital ratio | 36.3799% | 289 |
| Total risk-based capital ratio | 37.6557% | 281 |
| Memoranda: | ||
| Average total assets | $40,959,200 | 5,314 |
| Average earning assets | $35,511,600 | 5,339 |
| Average equity | $7,480,800 | 4,863 |
| Average total loans | $26,766,800 | 5,104 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4950% | 1,659 |
| Cost of funding earning assets | 0.4724% | 2,496 |
| Net interest margin | 4.0226% | 1,623 |
| Noninterest income to average assets | 0.3748% | 3,849 |
| Noninterest expense to average assets | 3.6867% | 784 |
| Loan and lease loss provision to assets | 0.2883% | 550 |
| Net operating income to assets | -0.0577% | 5,537 |
| Return on assets (ROA) | -0.0577% | 5,542 |
| Pretax return on assets | -0.1089% | 5,548 |
| Return on Equity (ROE) | -0.3189% | 5,529 |
| Retained earnings to average equity (ytd only) | -0.3189% | 5,261 |
| Net charge-offs to loans | 0.2167% | 999 |
| Credit loss provision to net charge-offs | 200.0000% | 1,340 |
| Earnings coverage of net charge-offs (x) | 1.2443% | 3,586 |
| Efficiency ratio | 95.3604% | 261 |
| Assets per employee ($millions) | 4.0490% | 3,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6279% | 229 |
| Loan loss allowance to noncurrent loans | 38.3362% | 4,794 |
| Noncurrent assets plus other real estate owned to assets | 4.5320% | 132 |
| Noncurrent loans to loans | 6.8549% | 76 |
| Net loans and leases to total assets | 60.3062% | 3,825 |
| Net loans and leases to deposits | 74.3047% | 3,535 |
| Net loans and leases to core deposits | 85.2733% | 3,029 |
| Total domestic deposits to total assets | 81.1608% | 4,004 |
| Equity capital to assets | 18.5873% | 293 |
| Core capital (leverage) ratio | 18.2456% | 289 |
| Tier 1 risk-based capital ratio | 33.7178% | 357 |
| Total risk-based capital ratio | 34.9879% | 348 |
| Memoranda: | ||
| Average total assets | $41,626,250 | 5,369 |
| Average earning assets | $36,128,250 | 5,388 |
| Average equity | $7,526,000 | 4,904 |
| Average total loans | $27,684,250 | 5,130 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5806% | 1,298 |
| Cost of funding earning assets | 0.4868% | 2,276 |
| Net interest margin | 4.0938% | 1,337 |
| Noninterest income to average assets | 0.3428% | 4,093 |
| Noninterest expense to average assets | 3.7138% | 762 |
| Loan and lease loss provision to assets | 0.2857% | 552 |
| Net operating income to assets | -0.0762% | 5,580 |
| Return on assets (ROA) | -0.0762% | 5,585 |
| Pretax return on assets | -0.1333% | 5,591 |
| Return on Equity (ROE) | -0.4252% | 5,574 |
| Retained earnings to average equity (ytd only) | -0.4252% | 5,153 |
| Net charge-offs to loans | 0.0490% | 2,241 |
| Credit loss provision to net charge-offs | 857.1429% | 433 |
| Earnings coverage of net charge-offs (x) | 4.5714% | 2,908 |
| Efficiency ratio | 96.0591% | 259 |
| Assets per employee ($millions) | 4.2704% | 3,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5361% | 274 |
| Loan loss allowance to noncurrent loans | 40.6326% | 4,781 |
| Noncurrent assets plus other real estate owned to assets | 3.8732% | 182 |
| Noncurrent loans to loans | 6.2415% | 94 |
| Net loans and leases to total assets | 60.1161% | 3,836 |
| Net loans and leases to deposits | 73.2648% | 3,623 |
| Net loans and leases to core deposits | 83.3047% | 3,145 |
| Total domestic deposits to total assets | 82.0532% | 3,874 |
| Equity capital to assets | 17.6354% | 349 |
| Core capital (leverage) ratio | 17.7447% | 312 |
| Tier 1 risk-based capital ratio | 31.9826% | 407 |
| Total risk-based capital ratio | 33.2510% | 395 |
| Memoranda: | ||
| Average total assets | $42,005,000 | 5,408 |
| Average earning assets | $36,152,330 | 5,429 |
| Average equity | $7,526,000 | 4,926 |
| Average total loans | $28,553,330 | 5,154 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5684% | 1,216 |
| Cost of funding earning assets | 0.4708% | 2,346 |
| Net interest margin | 4.0977% | 1,218 |
| Noninterest income to average assets | 0.3361% | 4,158 |
| Noninterest expense to average assets | 3.3897% | 1,219 |
| Loan and lease loss provision to assets | 0.2881% | 487 |
| Net operating income to assets | 0.2689% | 5,268 |
| Return on assets (ROA) | 0.2689% | 5,284 |
| Pretax return on assets | 0.3361% | 5,257 |
| Return on Equity (ROE) | 1.4887% | 5,428 |
| Retained earnings to average equity (ytd only) | 1.4887% | 4,508 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4498% | 933 |
| Assets per employee ($millions) | 4.1044% | 3,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2160% | 466 |
| Loan loss allowance to noncurrent loans | 44.4751% | 4,764 |
| Noncurrent assets plus other real estate owned to assets | 4.2515% | 167 |
| Noncurrent loans to loans | 4.9825% | 163 |
| Net loans and leases to total assets | 69.2379% | 2,499 |
| Net loans and leases to deposits | 85.2395% | 2,123 |
| Net loans and leases to core deposits | 97.5893% | 1,692 |
| Total domestic deposits to total assets | 81.2275% | 4,358 |
| Equity capital to assets | 18.3827% | 281 |
| Core capital (leverage) ratio | 17.7922% | 301 |
| Tier 1 risk-based capital ratio | 30.0868% | 477 |
| Total risk-based capital ratio | 31.3525% | 477 |
| Memoranda: | ||
| Average total assets | $41,655,500 | 5,474 |
| Average earning assets | $37,387,000 | 5,477 |
| Average equity | $7,523,500 | 4,967 |
| Average total loans | $29,660,000 | 5,173 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5897% | 1,304 |
| Cost of funding earning assets | 0.4384% | 2,625 |
| Net interest margin | 4.1513% | 1,236 |
| Noninterest income to average assets | 0.3416% | 4,296 |
| Noninterest expense to average assets | 3.9895% | 609 |
| Loan and lease loss provision to assets | 0.2867% | 674 |
| Net operating income to assets | -0.0693% | 5,674 |
| Return on assets (ROA) | -0.0693% | 5,686 |
| Pretax return on assets | -0.1792% | 5,714 |
| Return on Equity (ROE) | -0.3808% | 5,678 |
| Retained earnings to average equity (ytd only) | -0.3808% | 5,362 |
| Net charge-offs to loans | 0.1260% | 1,987 |
| Credit loss provision to net charge-offs | 333.3333% | 905 |
| Earnings coverage of net charge-offs (x) | 1.2500% | 4,015 |
| Efficiency ratio | 97.3761% | 271 |
| Assets per employee ($millions) | 4.2267% | 3,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0325% | 618 |
| Loan loss allowance to noncurrent loans | 42.1233% | 4,849 |
| Noncurrent assets plus other real estate owned to assets | 4.1806% | 174 |
| Noncurrent loans to loans | 4.8252% | 169 |
| Net loans and leases to total assets | 70.1327% | 2,446 |
| Net loans and leases to deposits | 90.8904% | 1,587 |
| Net loans and leases to core deposits | 104.3841% | 1,252 |
| Total domestic deposits to total assets | 77.1619% | 5,098 |
| Equity capital to assets | 17.7491% | 318 |
| Core capital (leverage) ratio | 18.0142% | 284 |
| Tier 1 risk-based capital ratio | 28.6928% | 533 |
| Total risk-based capital ratio | 29.9539% | 526 |
| Memoranda: | ||
| Average total assets | $41,859,600 | 5,510 |
| Average earning assets | $37,867,800 | 5,510 |
| Average equity | $7,615,800 | 4,991 |
| Average total loans | $28,578,400 | 5,243 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6115% | 1,271 |
| Cost of funding earning assets | 0.4382% | 2,657 |
| Net interest margin | 4.1733% | 1,193 |
| Noninterest income to average assets | 0.3353% | 4,384 |
| Noninterest expense to average assets | 3.7070% | 837 |
| Loan and lease loss provision to assets | 0.2874% | 605 |
| Net operating income to assets | 0.0990% | 5,625 |
| Return on assets (ROA) | 0.0990% | 5,674 |
| Pretax return on assets | 0.1117% | 5,664 |
| Return on Equity (ROE) | 0.5407% | 5,696 |
| Retained earnings to average equity (ytd only) | 0.5407% | 5,221 |
| Net charge-offs to loans | 0.1657% | 1,381 |
| Credit loss provision to net charge-offs | 257.1429% | 1,173 |
| Earnings coverage of net charge-offs (x) | 3.5710% | 3,395 |
| Efficiency ratio | 90.2799% | 546 |
| Assets per employee ($millions) | 3.7097% | 4,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0240% | 697 |
| Loan loss allowance to noncurrent loans | 41.4894% | 4,935 |
| Noncurrent assets plus other real estate owned to assets | 3.4798% | 286 |
| Noncurrent loans to loans | 4.8784% | 177 |
| Net loans and leases to total assets | 69.3950% | 2,587 |
| Net loans and leases to deposits | 86.0390% | 2,251 |
| Net loans and leases to core deposits | 94.5825% | 2,143 |
| Total domestic deposits to total assets | 80.6553% | 4,337 |
| Equity capital to assets | 18.8056% | 283 |
| Core capital (leverage) ratio | 18.3539% | 273 |
| Tier 1 risk-based capital ratio | 29.5865% | 500 |
| Total risk-based capital ratio | 30.8454% | 488 |
| Memoranda: | ||
| Average total assets | $41,757,750 | 5,566 |
| Average earning assets | $37,730,750 | 5,570 |
| Average equity | $7,644,250 | 5,040 |
| Average total loans | $28,158,500 | 5,311 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2201% | 411 |
| Cost of funding earning assets | 0.4297% | 2,740 |
| Net interest margin | 4.7904% | 376 |
| Noninterest income to average assets | 0.3232% | 4,473 |
| Noninterest expense to average assets | 3.7885% | 781 |
| Loan and lease loss provision to assets | 0.2852% | 643 |
| Net operating income to assets | 0.4088% | 5,011 |
| Return on assets (ROA) | 0.4088% | 5,094 |
| Pretax return on assets | 0.5419% | 5,044 |
| Return on Equity (ROE) | 2.2530% | 5,451 |
| Retained earnings to average equity (ytd only) | 2.2530% | 4,442 |
| Net charge-offs to loans | 0.2508% | 945 |
| Credit loss provision to net charge-offs | 171.4286% | 1,446 |
| Earnings coverage of net charge-offs (x) | 4.9714% | 2,909 |
| Efficiency ratio | 82.0803% | 1,258 |
| Assets per employee ($millions) | 3.8585% | 4,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9695% | 786 |
| Loan loss allowance to noncurrent loans | 41.7922% | 5,012 |
| Noncurrent assets plus other real estate owned to assets | 3.1525% | 377 |
| Noncurrent loans to loans | 4.7126% | 200 |
| Net loans and leases to total assets | 65.0873% | 3,217 |
| Net loans and leases to deposits | 80.0423% | 2,928 |
| Net loans and leases to core deposits | 87.5789% | 2,773 |
| Total domestic deposits to total assets | 81.3161% | 4,182 |
| Equity capital to assets | 18.1844% | 324 |
| Core capital (leverage) ratio | 18.6451% | 249 |
| Tier 1 risk-based capital ratio | 30.9054% | 462 |
| Total risk-based capital ratio | 32.1665% | 453 |
| Memoranda: | ||
| Average total assets | $42,074,670 | 5,626 |
| Average earning assets | $37,700,670 | 5,637 |
| Average equity | $7,634,330 | 5,083 |
| Average total loans | $27,910,330 | 5,379 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3749% | 302 |
| Cost of funding earning assets | 0.4338% | 2,736 |
| Net interest margin | 4.9411% | 290 |
| Noninterest income to average assets | 0.3342% | 4,339 |
| Noninterest expense to average assets | 3.8481% | 729 |
| Loan and lease loss provision to assets | 0.2865% | 569 |
| Net operating income to assets | 0.4965% | 4,642 |
| Return on assets (ROA) | 0.4965% | 4,739 |
| Pretax return on assets | 0.6589% | 4,654 |
| Return on Equity (ROE) | 2.7395% | 5,313 |
| Retained earnings to average equity (ytd only) | 2.7395% | 4,141 |
| Net charge-offs to loans | 0.3744% | 589 |
| Credit loss provision to net charge-offs | 115.3846% | 1,474 |
| Earnings coverage of net charge-offs (x) | 3.8077% | 2,497 |
| Efficiency ratio | 80.2789% | 1,572 |
| Assets per employee ($millions) | 3.1922% | 5,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9408% | 907 |
| Loan loss allowance to noncurrent loans | 41.2037% | 5,053 |
| Noncurrent assets plus other real estate owned to assets | 3.1399% | 392 |
| Noncurrent loans to loans | 4.7103% | 224 |
| Net loans and leases to total assets | 65.0152% | 3,104 |
| Net loans and leases to deposits | 80.1307% | 2,777 |
| Net loans and leases to core deposits | 88.5926% | 2,503 |
| Total domestic deposits to total assets | 81.1364% | 4,456 |
| Equity capital to assets | 18.4298% | 295 |
| Core capital (leverage) ratio | 18.2470% | 279 |
| Tier 1 risk-based capital ratio | 31.3004% | 453 |
| Total risk-based capital ratio | 32.5588% | 453 |
| Memoranda: | ||
| Average total assets | $41,890,500 | 5,676 |
| Average earning assets | $37,805,500 | 5,687 |
| Average equity | $7,592,500 | 5,124 |
| Average total loans | $27,775,500 | 5,422 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6158% | 1,292 |
| Cost of funding earning assets | 0.4328% | 2,818 |
| Net interest margin | 4.1830% | 1,202 |
| Noninterest income to average assets | 6.0200% | 108 |
| Noninterest expense to average assets | 9.3923% | 80 |
| Loan and lease loss provision to assets | 0.2706% | 679 |
| Net operating income to assets | 0.1681% | 5,643 |
| Return on assets (ROA) | 0.1681% | 5,691 |
| Pretax return on assets | 0.2049% | 5,680 |
| Return on Equity (ROE) | 1.1530% | 5,746 |
| Retained earnings to average equity (ytd only) | 1.1530% | 5,047 |
| Net charge-offs to loans | -0.0592% | 5,606 |
| Credit loss provision to net charge-offs | -666.6667% | 5,498 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1821% | 434 |
| Assets per employee ($millions) | 3.2525% | 5,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8904% | 971 |
| Loan loss allowance to noncurrent loans | 141.3333% | 2,940 |
| Noncurrent assets plus other real estate owned to assets | 0.8869% | 2,457 |
| Noncurrent loans to loans | 1.3375% | 1,759 |
| Net loans and leases to total assets | 65.0545% | 3,111 |
| Net loans and leases to deposits | 79.5207% | 2,879 |
| Net loans and leases to core deposits | 87.6913% | 2,630 |
| Total domestic deposits to total assets | 81.8083% | 4,224 |
| Equity capital to assets | 17.8251% | 332 |
| Core capital (leverage) ratio | 17.7150% | 298 |
| Tier 1 risk-based capital ratio | 32.2813% | 422 |
| Total risk-based capital ratio | 33.5412% | 412 |
| Memoranda: | ||
| Average total assets | $51,744,400 | 5,511 |
| Average earning assets | $47,597,400 | 5,491 |
| Average equity | $7,545,800 | 5,139 |
| Average total loans | $35,462,400 | 5,174 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5605% | 1,431 |
| Cost of funding earning assets | 0.4325% | 2,876 |
| Net interest margin | 4.1279% | 1,327 |
| Noninterest income to average assets | 7.5105% | 90 |
| Noninterest expense to average assets | 10.8370% | 75 |
| Loan and lease loss provision to assets | 0.3450% | 389 |
| Net operating income to assets | 0.0641% | 5,882 |
| Return on assets (ROA) | 0.0641% | 5,921 |
| Pretax return on assets | 0.1380% | 5,859 |
| Return on Equity (ROE) | 0.4593% | 5,927 |
| Retained earnings to average equity (ytd only) | 0.4593% | 5,488 |
| Net charge-offs to loans | -0.0607% | 5,606 |
| Credit loss provision to net charge-offs | -823.5294% | 5,456 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.7336% | 423 |
| Assets per employee ($millions) | 3.0799% | 5,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9086% | 1,056 |
| Loan loss allowance to noncurrent loans | 92.6056% | 3,842 |
| Noncurrent assets plus other real estate owned to assets | 1.7556% | 1,234 |
| Noncurrent loans to loans | 2.0610% | 1,113 |
| Net loans and leases to total assets | 62.6939% | 3,504 |
| Net loans and leases to deposits | 76.4703% | 3,248 |
| Net loans and leases to core deposits | 84.1285% | 3,025 |
| Total domestic deposits to total assets | 81.9847% | 4,168 |
| Equity capital to assets | 17.4726% | 388 |
| Core capital (leverage) ratio | 17.3212% | 349 |
| Tier 1 risk-based capital ratio | 31.3304% | 462 |
| Total risk-based capital ratio | 32.5882% | 458 |
| Memoranda: | ||
| Average total assets | $54,109,750 | 5,525 |
| Average earning assets | $49,934,750 | 5,509 |
| Average equity | $7,548,000 | 5,204 |
| Average total loans | $37,318,750 | 5,166 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3035% | 2,153 |
| Cost of funding earning assets | 0.4404% | 2,836 |
| Net interest margin | 3.8630% | 2,094 |
| Noninterest income to average assets | 10.3508% | 68 |
| Noninterest expense to average assets | 13.2968% | 60 |
| Loan and lease loss provision to assets | 0.2077% | 936 |
| Net operating income to assets | 0.3046% | 5,430 |
| Return on assets (ROA) | 0.3046% | 5,529 |
| Pretax return on assets | 0.4293% | 5,403 |
| Return on Equity (ROE) | 2.3303% | 5,612 |
| Retained earnings to average equity (ytd only) | 2.3303% | 4,566 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4286% | 462 |
| Assets per employee ($millions) | 3.1992% | 5,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4797% | 2,381 |
| Loan loss allowance to noncurrent loans | 25.4298% | 5,592 |
| Noncurrent assets plus other real estate owned to assets | 4.1885% | 303 |
| Noncurrent loans to loans | 5.8186% | 166 |
| Net loans and leases to total assets | 63.7746% | 3,290 |
| Net loans and leases to deposits | 81.0602% | 2,658 |
| Net loans and leases to core deposits | 89.1956% | 2,431 |
| Total domestic deposits to total assets | 78.6756% | 5,162 |
| Equity capital to assets | 16.7921% | 437 |
| Core capital (leverage) ratio | 13.7680% | 913 |
| Tier 1 risk-based capital ratio | 30.7843% | 499 |
| Total risk-based capital ratio | 32.0384% | 495 |
| Memoranda: | ||
| Average total assets | $57,773,330 | 5,494 |
| Average earning assets | $53,584,670 | 5,474 |
| Average equity | $7,552,670 | 5,249 |
| Average total loans | $40,572,000 | 5,084 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9330% | 3,487 |
| Cost of funding earning assets | 0.4073% | 3,227 |
| Net interest margin | 3.5257% | 3,321 |
| Noninterest income to average assets | 9.9089% | 74 |
| Noninterest expense to average assets | 12.8156% | 61 |
| Loan and lease loss provision to assets | 0.1867% | 1,012 |
| Net operating income to assets | 0.1556% | 5,776 |
| Return on assets (ROA) | 0.1556% | 5,848 |
| Pretax return on assets | 0.1929% | 5,838 |
| Return on Equity (ROE) | 1.3213% | 5,849 |
| Retained earnings to average equity (ytd only) | 1.3213% | 4,953 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.1226% | 464 |
| Assets per employee ($millions) | 1.2695% | 6,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8135% | 5,665 |
| Loan loss allowance to noncurrent loans | 53.2710% | 4,926 |
| Noncurrent assets plus other real estate owned to assets | 1.3941% | 1,903 |
| Noncurrent loans to loans | 1.5271% | 1,842 |
| Net loans and leases to total assets | 72.3031% | 1,759 |
| Net loans and leases to deposits | 105.5249% | 331 |
| Net loans and leases to core deposits | 113.4201% | 596 |
| Total domestic deposits to total assets | 68.5176% | 6,184 |
| Equity capital to assets | 11.2824% | 2,668 |
| Core capital (leverage) ratio | 12.9158% | 1,184 |
| Tier 1 risk-based capital ratio | 20.6717% | 1,485 |
| Total risk-based capital ratio | 21.7719% | 1,489 |
| Memoranda: | ||
| Average total assets | $64,265,500 | 5,388 |
| Average earning assets | $59,903,500 | 5,354 |
| Average equity | $7,568,500 | 5,288 |
| Average total loans | $46,361,500 | 4,905 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3852% | 2,269 |
| Cost of funding earning assets | 0.5016% | 2,661 |
| Net interest margin | 3.8836% | 2,303 |
| Noninterest income to average assets | 11.2937% | 61 |
| Noninterest expense to average assets | 12.6642% | 57 |
| Loan and lease loss provision to assets | 0.1270% | 2,066 |
| Net operating income to assets | 1.4340% | 1,013 |
| Return on assets (ROA) | 1.4340% | 1,043 |
| Pretax return on assets | 2.1078% | 401 |
| Return on Equity (ROE) | 11.6116% | 1,522 |
| Retained earnings to average equity (ytd only) | 11.6116% | 328 |
| Net charge-offs to loans | 0.0335% | 4,160 |
| Credit loss provision to net charge-offs | 553.8462% | 479 |
| Earnings coverage of net charge-offs (x) | 97.4615% | 538 |
| Efficiency ratio | 85.0006% | 1,284 |
| Assets per employee ($millions) | 1.2010% | 6,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8448% | 5,650 |
| Loan loss allowance to noncurrent loans | 62.9693% | 4,716 |
| Noncurrent assets plus other real estate owned to assets | 1.2572% | 2,241 |
| Noncurrent loans to loans | 1.3417% | 2,190 |
| Net loans and leases to total assets | 70.7081% | 2,124 |
| Net loans and leases to deposits | 95.1573% | 974 |
| Net loans and leases to core deposits | 126.4763% | 288 |
| Total domestic deposits to total assets | 74.3065% | 5,923 |
| Equity capital to assets | 12.3202% | 1,759 |
| Core capital (leverage) ratio | 13.3504% | 1,017 |
| Tier 1 risk-based capital ratio | 23.2807% | 1,037 |
| Total risk-based capital ratio | 24.4305% | 1,035 |
| Memoranda: | ||
| Average total assets | $56,695,200 | 5,631 |
| Average earning assets | $52,631,000 | 5,605 |
| Average equity | $7,001,600 | 5,409 |
| Average total loans | $38,769,800 | 5,223 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4043% | 2,201 |
| Cost of funding earning assets | 0.5192% | 2,571 |
| Net interest margin | 3.8851% | 2,303 |
| Noninterest income to average assets | 11.2579% | 61 |
| Noninterest expense to average assets | 12.7170% | 55 |
| Loan and lease loss provision to assets | 0.1512% | 1,647 |
| Net operating income to assets | 1.3439% | 1,259 |
| Return on assets (ROA) | 1.3439% | 1,315 |
| Pretax return on assets | 1.9991% | 571 |
| Return on Equity (ROE) | 10.8754% | 1,840 |
| Retained earnings to average equity (ytd only) | 10.8754% | 538 |
| Net charge-offs to loans | 0.0249% | 4,010 |
| Credit loss provision to net charge-offs | 900.0000% | 353 |
| Earnings coverage of net charge-offs (x) | 128.0429% | 467 |
| Efficiency ratio | 85.5367% | 1,230 |
| Assets per employee ($millions) | 1.1861% | 6,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9756% | 5,315 |
| Loan loss allowance to noncurrent loans | 34.2032% | 5,611 |
| Noncurrent assets plus other real estate owned to assets | 2.1902% | 1,263 |
| Noncurrent loans to loans | 2.8525% | 958 |
| Net loans and leases to total assets | 66.8155% | 2,718 |
| Net loans and leases to deposits | 79.4002% | 2,780 |
| Net loans and leases to core deposits | 106.7031% | 917 |
| Total domestic deposits to total assets | 84.1504% | 3,701 |
| Equity capital to assets | 13.0119% | 1,419 |
| Core capital (leverage) ratio | 13.0374% | 1,159 |
| Tier 1 risk-based capital ratio | 25.1026% | 874 |
| Total risk-based capital ratio | 26.3542% | 860 |
| Memoranda: | ||
| Average total assets | $55,556,750 | 5,722 |
| Average earning assets | $51,615,000 | 5,691 |
| Average equity | $6,865,500 | 5,501 |
| Average total loans | $37,543,000 | 5,320 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3423% | 2,418 |
| Cost of funding earning assets | 0.5249% | 2,588 |
| Net interest margin | 3.8174% | 2,499 |
| Noninterest income to average assets | 10.4590% | 64 |
| Noninterest expense to average assets | 12.6647% | 54 |
| Loan and lease loss provision to assets | 0.0505% | 3,294 |
| Net operating income to assets | 0.9190% | 2,708 |
| Return on assets (ROA) | 0.9190% | 2,811 |
| Pretax return on assets | 1.3083% | 2,225 |
| Return on Equity (ROE) | 7.5713% | 3,337 |
| Retained earnings to average equity (ytd only) | 7.5713% | 1,489 |
| Net charge-offs to loans | -0.0053% | 5,187 |
| Credit loss provision to net charge-offs | -1,400.0000% | 5,771 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3110% | 893 |
| Assets per employee ($millions) | 1.1343% | 6,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8194% | 5,929 |
| Loan loss allowance to noncurrent loans | 34.6113% | 5,655 |
| Noncurrent assets plus other real estate owned to assets | 1.8990% | 1,706 |
| Noncurrent loans to loans | 2.3674% | 1,351 |
| Net loans and leases to total assets | 69.3608% | 2,176 |
| Net loans and leases to deposits | 83.4829% | 2,085 |
| Net loans and leases to core deposits | 111.9561% | 602 |
| Total domestic deposits to total assets | 83.0838% | 4,274 |
| Equity capital to assets | 12.2331% | 1,832 |
| Core capital (leverage) ratio | 12.5737% | 1,355 |
| Tier 1 risk-based capital ratio | 19.8217% | 1,727 |
| Total risk-based capital ratio | 20.7534% | 1,769 |
| Memoranda: | ||
| Average total assets | $55,492,670 | 5,777 |
| Average earning assets | $51,815,330 | 5,738 |
| Average equity | $6,736,000 | 5,554 |
| Average total loans | $37,518,670 | 5,354 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4392% | 1,990 |
| Cost of funding earning assets | 0.5343% | 2,560 |
| Net interest margin | 3.9049% | 2,067 |
| Noninterest income to average assets | 9.9851% | 63 |
| Noninterest expense to average assets | 12.5361% | 57 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7507% | 3,414 |
| Return on assets (ROA) | 0.7507% | 3,496 |
| Pretax return on assets | 1.0714% | 3,026 |
| Return on Equity (ROE) | 6.2095% | 3,907 |
| Retained earnings to average equity (ytd only) | 6.2095% | 2,432 |
| Net charge-offs to loans | -0.0219% | 5,401 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1264% | 875 |
| Assets per employee ($millions) | 0.9495% | 6,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8630% | 5,973 |
| Loan loss allowance to noncurrent loans | 31.5470% | 5,815 |
| Noncurrent assets plus other real estate owned to assets | 2.1581% | 1,544 |
| Noncurrent loans to loans | 2.7354% | 1,231 |
| Net loans and leases to total assets | 66.2275% | 2,532 |
| Net loans and leases to deposits | 77.8333% | 2,580 |
| Net loans and leases to core deposits | 105.9190% | 761 |
| Total domestic deposits to total assets | 85.0890% | 3,828 |
| Equity capital to assets | 12.3630% | 1,653 |
| Core capital (leverage) ratio | 12.6779% | 1,306 |
| Tier 1 risk-based capital ratio | 25.0816% | 880 |
| Total risk-based capital ratio | 26.2389% | 874 |
| Memoranda: | ||
| Average total assets | $54,881,500 | 5,847 |
| Average earning assets | $50,910,500 | 5,816 |
| Average equity | $6,635,000 | 5,607 |
| Average total loans | $36,446,500 | 5,445 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4189% | 2,518 |
| Cost of funding earning assets | 0.5606% | 3,018 |
| Net interest margin | 3.8583% | 2,435 |
| Noninterest income to average assets | 7.1782% | 89 |
| Noninterest expense to average assets | 9.9471% | 81 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.5487% | 4,512 |
| Return on assets (ROA) | 0.5487% | 4,641 |
| Pretax return on assets | 0.7803% | 4,222 |
| Return on Equity (ROE) | 4.3564% | 4,958 |
| Retained earnings to average equity (ytd only) | 4.3564% | 3,079 |
| Net charge-offs to loans | -0.0224% | 6,162 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7263% | 827 |
| Assets per employee ($millions) | 0.6182% | 6,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0480% | 5,353 |
| Loan loss allowance to noncurrent loans | 118.0982% | 3,197 |
| Noncurrent assets plus other real estate owned to assets | 1.2527% | 2,907 |
| Noncurrent loans to loans | 0.8874% | 3,769 |
| Net loans and leases to total assets | 65.3337% | 2,803 |
| Net loans and leases to deposits | 82.2317% | 2,156 |
| Net loans and leases to core deposits | 113.5357% | 480 |
| Total domestic deposits to total assets | 79.4508% | 5,567 |
| Equity capital to assets | 11.8238% | 1,927 |
| Core capital (leverage) ratio | 12.5181% | 1,348 |
| Tier 1 risk-based capital ratio | 23.8991% | 966 |
| Total risk-based capital ratio | 25.1445% | 953 |
| Memoranda: | ||
| Average total assets | $51,392,000 | 5,980 |
| Average earning assets | $47,274,400 | 5,957 |
| Average equity | $6,473,200 | 5,704 |
| Average total loans | $31,190,800 | 5,700 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2408% | 3,230 |
| Cost of funding earning assets | 0.5651% | 3,120 |
| Net interest margin | 3.6757% | 3,127 |
| Noninterest income to average assets | 6.0559% | 111 |
| Noninterest expense to average assets | 9.0998% | 93 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2517% | 5,774 |
| Return on assets (ROA) | 0.2517% | 5,871 |
| Pretax return on assets | 0.3338% | 5,789 |
| Return on Equity (ROE) | 1.9647% | 5,950 |
| Retained earnings to average equity (ytd only) | 1.9647% | 5,150 |
| Net charge-offs to loans | -0.0224% | 6,076 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.4617% | 599 |
| Assets per employee ($millions) | 0.7235% | 6,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1294% | 5,209 |
| Loan loss allowance to noncurrent loans | 87.6147% | 3,827 |
| Noncurrent assets plus other real estate owned to assets | 1.5569% | 2,600 |
| Noncurrent loans to loans | 1.2891% | 3,253 |
| Net loans and leases to total assets | 64.1941% | 2,970 |
| Net loans and leases to deposits | 74.3739% | 3,181 |
| Net loans and leases to core deposits | 103.9381% | 880 |
| Total domestic deposits to total assets | 86.3127% | 3,069 |
| Equity capital to assets | 12.2303% | 1,763 |
| Core capital (leverage) ratio | 12.6005% | 1,366 |
| Tier 1 risk-based capital ratio | 24.5924% | 926 |
| Total risk-based capital ratio | 25.8465% | 904 |
| Memoranda: | ||
| Average total assets | $50,329,500 | 6,078 |
| Average earning assets | $46,248,250 | 6,048 |
| Average equity | $6,446,750 | 5,778 |
| Average total loans | $29,804,000 | 5,829 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1121% | 3,691 |
| Cost of funding earning assets | 0.5623% | 3,284 |
| Net interest margin | 3.5498% | 3,564 |
| Noninterest income to average assets | 5.5124% | 135 |
| Noninterest expense to average assets | 8.6124% | 104 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.1166% | 6,096 |
| Return on assets (ROA) | 0.1166% | 6,190 |
| Pretax return on assets | 0.1488% | 6,160 |
| Return on Equity (ROE) | 0.8962% | 6,230 |
| Retained earnings to average equity (ytd only) | 0.8962% | 5,541 |
| Net charge-offs to loans | -0.0211% | 5,988 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.3020% | 553 |
| Assets per employee ($millions) | 0.8951% | 6,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2140% | 4,913 |
| Loan loss allowance to noncurrent loans | 89.2272% | 3,735 |
| Noncurrent assets plus other real estate owned to assets | 1.5186% | 2,828 |
| Noncurrent loans to loans | 1.3605% | 3,283 |
| Net loans and leases to total assets | 58.7052% | 3,872 |
| Net loans and leases to deposits | 79.0616% | 2,450 |
| Net loans and leases to core deposits | 98.5976% | 1,167 |
| Total domestic deposits to total assets | 74.2526% | 6,424 |
| Equity capital to assets | 12.0671% | 1,870 |
| Core capital (leverage) ratio | 13.3593% | 1,033 |
| Tier 1 risk-based capital ratio | 25.5107% | 818 |
| Total risk-based capital ratio | 26.7609% | 802 |
| Memoranda: | ||
| Average total assets | $49,742,000 | 6,131 |
| Average earning assets | $45,523,670 | 6,119 |
| Average equity | $6,472,000 | 5,818 |
| Average total loans | $28,464,670 | 5,913 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0046% | 4,103 |
| Cost of funding earning assets | 0.6034% | 3,079 |
| Net interest margin | 3.4011% | 4,110 |
| Noninterest income to average assets | 4.4973% | 170 |
| Noninterest expense to average assets | 7.6587% | 131 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.0498% | 6,400 |
| Return on assets (ROA) | -0.0498% | 6,454 |
| Pretax return on assets | -0.0747% | 6,463 |
| Return on Equity (ROE) | -0.3680% | 6,451 |
| Retained earnings to average equity (ytd only) | -0.3680% | 5,848 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.9847% | 507 |
| Assets per employee ($millions) | 0.9920% | 6,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4075% | 4,193 |
| Loan loss allowance to noncurrent loans | 84.7534% | 3,799 |
| Noncurrent assets plus other real estate owned to assets | 1.6891% | 2,756 |
| Noncurrent loans to loans | 1.6606% | 3,054 |
| Net loans and leases to total assets | 54.4768% | 4,339 |
| Net loans and leases to deposits | 64.8217% | 4,207 |
| Net loans and leases to core deposits | 81.2813% | 2,659 |
| Total domestic deposits to total assets | 84.0411% | 4,463 |
| Equity capital to assets | 13.4037% | 1,244 |
| Core capital (leverage) ratio | 13.5467% | 928 |
| Tier 1 risk-based capital ratio | 27.4742% | 671 |
| Total risk-based capital ratio | 28.7291% | 661 |
| Memoranda: | ||
| Average total assets | $48,206,500 | 6,236 |
| Average earning assets | $43,750,000 | 6,222 |
| Average equity | $6,521,500 | 5,858 |
| Average total loans | $27,004,500 | 6,026 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3977% | 3,820 |
| Cost of funding earning assets | 0.5734% | 4,604 |
| Net interest margin | 3.8243% | 3,127 |
| Noninterest income to average assets | 0.9674% | 1,642 |
| Noninterest expense to average assets | 4.0864% | 874 |
| Loan and lease loss provision to assets | -0.1706% | 6,968 |
| Net operating income to assets | 0.4045% | 5,085 |
| Return on assets (ROA) | 0.4045% | 5,335 |
| Pretax return on assets | 0.5458% | 5,146 |
| Return on Equity (ROE) | 2.8041% | 5,627 |
| Retained earnings to average equity (ytd only) | 2.8041% | 4,266 |
| Net charge-offs to loans | 0.4313% | 2,511 |
| Credit loss provision to net charge-offs | -71.4286% | 6,299 |
| Earnings coverage of net charge-offs (x) | 1.5714% | 4,654 |
| Efficiency ratio | 91.5893% | 949 |
| Assets per employee ($millions) | 1.4940% | 6,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3922% | 4,204 |
| Loan loss allowance to noncurrent loans | 80.5970% | 3,892 |
| Noncurrent assets plus other real estate owned to assets | 1.4245% | 3,261 |
| Noncurrent loans to loans | 1.7273% | 3,020 |
| Net loans and leases to total assets | 56.0044% | 4,290 |
| Net loans and leases to deposits | 66.9015% | 4,148 |
| Net loans and leases to core deposits | 84.2904% | 2,514 |
| Total domestic deposits to total assets | 83.7116% | 4,436 |
| Equity capital to assets | 13.6549% | 1,170 |
| Core capital (leverage) ratio | 14.4083% | 691 |
| Tier 1 risk-based capital ratio | 28.3253% | 606 |
| Total risk-based capital ratio | 29.5821% | 590 |
| Memoranda: | ||
| Average total assets | $41,038,600 | 6,468 |
| Average earning assets | $37,497,000 | 6,453 |
| Average equity | $5,920,000 | 6,040 |
| Average total loans | $22,720,200 | 6,309 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3496% | 4,259 |
| Cost of funding earning assets | 0.5606% | 4,991 |
| Net interest margin | 3.7889% | 3,385 |
| Noninterest income to average assets | 0.6811% | 2,810 |
| Noninterest expense to average assets | 3.7953% | 1,217 |
| Loan and lease loss provision to assets | -0.1355% | 7,062 |
| Net operating income to assets | 0.3931% | 5,275 |
| Return on assets (ROA) | 0.3931% | 5,490 |
| Pretax return on assets | 0.5252% | 5,395 |
| Return on Equity (ROE) | 2.6813% | 5,806 |
| Retained earnings to average equity (ytd only) | 2.6813% | 4,953 |
| Net charge-offs to loans | 0.1851% | 3,635 |
| Credit loss provision to net charge-offs | -133.3333% | 6,278 |
| Earnings coverage of net charge-offs (x) | 3.8333% | 3,499 |
| Efficiency ratio | 90.6883% | 989 |
| Assets per employee ($millions) | 1.4008% | 7,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0693% | 1,981 |
| Loan loss allowance to noncurrent loans | 85.4578% | 3,669 |
| Noncurrent assets plus other real estate owned to assets | 1.7156% | 3,027 |
| Noncurrent loans to loans | 2.4214% | 2,375 |
| Net loans and leases to total assets | 50.2566% | 5,282 |
| Net loans and leases to deposits | 59.2722% | 5,290 |
| Net loans and leases to core deposits | 75.7057% | 3,761 |
| Total domestic deposits to total assets | 84.7894% | 3,841 |
| Equity capital to assets | 14.6060% | 938 |
| Core capital (leverage) ratio | 15.8675% | 496 |
| Tier 1 risk-based capital ratio | 31.2676% | 471 |
| Total risk-based capital ratio | 32.5327% | 467 |
| Memoranda: | ||
| Average total assets | $39,346,500 | 6,605 |
| Average earning assets | $36,386,000 | 6,566 |
| Average equity | $5,768,000 | 6,154 |
| Average total loans | $21,612,250 | 6,439 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4736% | 3,880 |
| Cost of funding earning assets | 0.5642% | 5,191 |
| Net interest margin | 3.9093% | 2,868 |
| Noninterest income to average assets | 0.6663% | 2,858 |
| Noninterest expense to average assets | 3.6407% | 1,487 |
| Loan and lease loss provision to assets | -0.0533% | 7,080 |
| Net operating income to assets | 0.5277% | 4,686 |
| Return on assets (ROA) | 0.5277% | 4,963 |
| Pretax return on assets | 0.6983% | 4,834 |
| Return on Equity (ROE) | 3.5946% | 5,438 |
| Retained earnings to average equity (ytd only) | 3.5946% | 4,200 |
| Net charge-offs to loans | 0.2364% | 3,152 |
| Credit loss provision to net charge-offs | -40.0000% | 5,984 |
| Earnings coverage of net charge-offs (x) | 4.8400% | 2,976 |
| Efficiency ratio | 84.9502% | 1,540 |
| Assets per employee ($millions) | 2.3228% | 6,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3194% | 1,560 |
| Loan loss allowance to noncurrent loans | 85.5946% | 3,595 |
| Noncurrent assets plus other real estate owned to assets | 2.0488% | 2,724 |
| Noncurrent loans to loans | 2.7097% | 2,214 |
| Net loans and leases to total assets | 54.5015% | 4,706 |
| Net loans and leases to deposits | 66.5193% | 4,441 |
| Net loans and leases to core deposits | 76.5572% | 3,710 |
| Total domestic deposits to total assets | 81.9333% | 5,159 |
| Equity capital to assets | 16.2762% | 537 |
| Core capital (leverage) ratio | 16.4679% | 416 |
| Tier 1 risk-based capital ratio | 31.7612% | 452 |
| Total risk-based capital ratio | 33.0699% | 442 |
| Memoranda: | ||
| Average total assets | $37,520,670 | 6,696 |
| Average earning assets | $34,737,330 | 6,666 |
| Average equity | $5,508,330 | 6,240 |
| Average total loans | $21,148,670 | 6,506 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5865% | 3,571 |
| Cost of funding earning assets | 0.5957% | 5,170 |
| Net interest margin | 3.9909% | 2,547 |
| Noninterest income to average assets | 0.5474% | 3,583 |
| Noninterest expense to average assets | 3.4485% | 1,880 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5583% | 4,550 |
| Return on assets (ROA) | 0.5583% | 4,768 |
| Pretax return on assets | 0.7663% | 4,544 |
| Return on Equity (ROE) | 4.0404% | 5,278 |
| Retained earnings to average equity (ytd only) | 4.0404% | 4,166 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8182% | 1,958 |
| Assets per employee ($millions) | 2.9404% | 6,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6459% | 1,180 |
| Loan loss allowance to noncurrent loans | 46.3891% | 5,289 |
| Noncurrent assets plus other real estate owned to assets | 3.1131% | 1,864 |
| Noncurrent loans to loans | 5.7036% | 915 |
| Net loans and leases to total assets | 52.5572% | 4,944 |
| Net loans and leases to deposits | 63.4775% | 4,708 |
| Net loans and leases to core deposits | 72.6162% | 4,068 |
| Total domestic deposits to total assets | 82.7966% | 5,011 |
| Equity capital to assets | 16.6252% | 482 |
| Core capital (leverage) ratio | 17.3150% | 334 |
| Tier 1 risk-based capital ratio | 28.4410% | 609 |
| Total risk-based capital ratio | 29.7489% | 596 |
| Memoranda: | ||
| Average total assets | $36,537,500 | 6,778 |
| Average earning assets | $33,576,500 | 6,755 |
| Average equity | $5,049,000 | 6,413 |
| Average total loans | $20,707,000 | 6,582 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9310% | 3,202 |
| Cost of funding earning assets | 0.6971% | 5,559 |
| Net interest margin | 4.2339% | 1,950 |
| Noninterest income to average assets | 0.7216% | 2,488 |
| Noninterest expense to average assets | 3.8130% | 1,323 |
| Loan and lease loss provision to assets | 0.0933% | 5,432 |
| Net operating income to assets | 0.4790% | 4,510 |
| Return on assets (ROA) | 0.4790% | 4,717 |
| Pretax return on assets | 0.6873% | 4,376 |
| Return on Equity (ROE) | 4.2180% | 4,751 |
| Retained earnings to average equity (ytd only) | 4.2180% | 3,183 |
| Net charge-offs to loans | -0.1684% | 7,195 |
| Credit loss provision to net charge-offs | -88.2353% | 6,694 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0061% | 1,884 |
| Assets per employee ($millions) | 2.9042% | 6,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6278% | 1,158 |
| Loan loss allowance to noncurrent loans | 114.9474% | 2,701 |
| Noncurrent assets plus other real estate owned to assets | 1.9713% | 3,009 |
| Noncurrent loans to loans | 2.2861% | 2,867 |
| Net loans and leases to total assets | 58.0545% | 4,358 |
| Net loans and leases to deposits | 65.3932% | 4,819 |
| Net loans and leases to core deposits | 75.0334% | 4,097 |
| Total domestic deposits to total assets | 88.7776% | 1,672 |
| Equity capital to assets | 10.7403% | 3,261 |
| Core capital (leverage) ratio | 11.2964% | 2,041 |
| Tier 1 risk-based capital ratio | 17.6516% | 2,318 |
| Total risk-based capital ratio | 18.9165% | 2,280 |
| Memoranda: | ||
| Average total assets | $32,152,800 | 6,915 |
| Average earning assets | $29,405,600 | 6,885 |
| Average equity | $3,651,000 | 6,841 |
| Average total loans | $20,187,600 | 6,652 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0929% | 2,637 |
| Cost of funding earning assets | 0.7322% | 5,582 |
| Net interest margin | 4.3607% | 1,527 |
| Noninterest income to average assets | 0.7497% | 2,317 |
| Noninterest expense to average assets | 3.9433% | 1,082 |
| Loan and lease loss provision to assets | 0.1271% | 4,844 |
| Net operating income to assets | 0.4532% | 4,757 |
| Return on assets (ROA) | 0.4532% | 4,952 |
| Pretax return on assets | 0.6650% | 4,595 |
| Return on Equity (ROE) | 3.9322% | 5,027 |
| Retained earnings to average equity (ytd only) | 3.9322% | 3,927 |
| Net charge-offs to loans | -0.2262% | 7,274 |
| Credit loss provision to net charge-offs | -88.2353% | 6,507 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2737% | 1,819 |
| Assets per employee ($millions) | 2.4651% | 6,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6725% | 1,162 |
| Loan loss allowance to noncurrent loans | 124.6575% | 2,418 |
| Noncurrent assets plus other real estate owned to assets | 2.1688% | 2,940 |
| Noncurrent loans to loans | 2.1439% | 3,194 |
| Net loans and leases to total assets | 62.0483% | 3,710 |
| Net loans and leases to deposits | 70.7515% | 4,179 |
| Net loans and leases to core deposits | 83.2628% | 3,153 |
| Total domestic deposits to total assets | 87.6989% | 2,237 |
| Equity capital to assets | 11.6114% | 2,576 |
| Core capital (leverage) ratio | 11.4939% | 2,029 |
| Tier 1 risk-based capital ratio | 17.4201% | 2,479 |
| Total risk-based capital ratio | 18.7029% | 2,436 |
| Memoranda: | ||
| Average total assets | $31,478,500 | 6,997 |
| Average earning assets | $28,771,250 | 6,973 |
| Average equity | $3,628,000 | 6,903 |
| Average total loans | $20,040,000 | 6,721 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9599% | 3,354 |
| Cost of funding earning assets | 0.7454% | 5,699 |
| Net interest margin | 4.2145% | 1,975 |
| Noninterest income to average assets | 0.7862% | 2,090 |
| Noninterest expense to average assets | 3.9374% | 1,134 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4730% | 4,630 |
| Return on assets (ROA) | 0.4730% | 4,769 |
| Pretax return on assets | 0.7159% | 4,332 |
| Return on Equity (ROE) | 4.1145% | 4,877 |
| Retained earnings to average equity (ytd only) | 4.1145% | 3,580 |
| Net charge-offs to loans | -0.0100% | 6,685 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6154% | 1,751 |
| Assets per employee ($millions) | 2.4315% | 6,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4032% | 1,585 |
| Loan loss allowance to noncurrent loans | 85.4610% | 3,315 |
| Noncurrent assets plus other real estate owned to assets | 2.5974% | 2,561 |
| Noncurrent loans to loans | 2.8120% | 2,587 |
| Net loans and leases to total assets | 61.9286% | 3,899 |
| Net loans and leases to deposits | 70.3176% | 4,395 |
| Net loans and leases to core deposits | 81.7635% | 3,546 |
| Total domestic deposits to total assets | 88.0699% | 2,101 |
| Equity capital to assets | 11.4145% | 2,585 |
| Core capital (leverage) ratio | 11.2918% | 2,054 |
| Tier 1 risk-based capital ratio | 16.6421% | 2,675 |
| Total risk-based capital ratio | 17.8381% | 2,654 |
| Memoranda: | ||
| Average total assets | $31,289,330 | 7,065 |
| Average earning assets | $28,710,330 | 7,040 |
| Average equity | $3,597,000 | 6,956 |
| Average total loans | $19,910,000 | 6,794 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9507% | 3,328 |
| Cost of funding earning assets | 0.7573% | 5,818 |
| Net interest margin | 4.1934% | 1,909 |
| Noninterest income to average assets | 0.7067% | 2,542 |
| Noninterest expense to average assets | 3.9191% | 1,151 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4112% | 4,898 |
| Return on assets (ROA) | 0.4112% | 4,988 |
| Pretax return on assets | 0.6296% | 4,572 |
| Return on Equity (ROE) | 3.5640% | 5,115 |
| Retained earnings to average equity (ytd only) | 3.5640% | 4,048 |
| Net charge-offs to loans | -0.0202% | 6,574 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1582% | 1,699 |
| Assets per employee ($millions) | 2.3971% | 7,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4867% | 1,475 |
| Loan loss allowance to noncurrent loans | 84.8592% | 3,354 |
| Noncurrent assets plus other real estate owned to assets | 2.6475% | 2,598 |
| Noncurrent loans to loans | 2.9304% | 2,563 |
| Net loans and leases to total assets | 60.6540% | 4,142 |
| Net loans and leases to deposits | 69.1129% | 4,513 |
| Net loans and leases to core deposits | 80.5635% | 3,661 |
| Total domestic deposits to total assets | 87.7607% | 2,513 |
| Equity capital to assets | 11.5814% | 2,202 |
| Core capital (leverage) ratio | 11.3823% | 1,917 |
| Tier 1 risk-based capital ratio | 18.5308% | 1,952 |
| Total risk-based capital ratio | 19.7724% | 1,904 |
| Memoranda: | ||
| Average total assets | $31,129,500 | 7,119 |
| Average earning assets | $28,521,000 | 7,089 |
| Average equity | $3,591,500 | 6,991 |
| Average total loans | $19,836,500 | 6,849 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9382% | 4,843 |
| Cost of funding earning assets | 0.8362% | 6,415 |
| Net interest margin | 4.1021% | 2,551 |
| Noninterest income to average assets | 0.7556% | 2,514 |
| Noninterest expense to average assets | 3.9627% | 1,216 |
| Loan and lease loss provision to assets | 0.0957% | 6,189 |
| Net operating income to assets | 0.2872% | 4,973 |
| Return on assets (ROA) | 0.2872% | 5,139 |
| Pretax return on assets | 0.4376% | 4,829 |
| Return on Equity (ROE) | 2.3938% | 5,222 |
| Retained earnings to average equity (ytd only) | 2.3938% | 4,202 |
| Net charge-offs to loans | 0.1366% | 5,551 |
| Credit loss provision to net charge-offs | 112.0000% | 3,907 |
| Earnings coverage of net charge-offs (x) | 6.2400% | 2,407 |
| Efficiency ratio | 88.1369% | 1,473 |
| Assets per employee ($millions) | 2.5914% | 6,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3706% | 1,589 |
| Loan loss allowance to noncurrent loans | 30.6369% | 6,252 |
| Noncurrent assets plus other real estate owned to assets | 5.8752% | 1,027 |
| Noncurrent loans to loans | 7.7378% | 684 |
| Net loans and leases to total assets | 63.7007% | 3,937 |
| Net loans and leases to deposits | 72.6030% | 4,415 |
| Net loans and leases to core deposits | 84.6177% | 3,506 |
| Total domestic deposits to total assets | 87.7384% | 2,399 |
| Equity capital to assets | 11.4931% | 2,267 |
| Core capital (leverage) ratio | 11.2712% | 1,970 |
| Tier 1 risk-based capital ratio | 17.5446% | 2,157 |
| Total risk-based capital ratio | 18.8069% | 2,116 |
| Memoranda: | ||
| Average total assets | $29,247,400 | 7,231 |
| Average earning assets | $26,669,400 | 7,206 |
| Average equity | $3,509,000 | 7,134 |
| Average total loans | $18,296,000 | 7,013 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8916% | 5,309 |
| Cost of funding earning assets | 0.8407% | 6,616 |
| Net interest margin | 4.0508% | 2,854 |
| Noninterest income to average assets | 0.7643% | 2,425 |
| Noninterest expense to average assets | 4.1178% | 919 |
| Loan and lease loss provision to assets | 0.1297% | 5,731 |
| Net operating income to assets | 0.1297% | 5,692 |
| Return on assets (ROA) | 0.1297% | 5,856 |
| Pretax return on assets | 0.1992% | 5,736 |
| Return on Equity (ROE) | 1.0688% | 5,882 |
| Retained earnings to average equity (ytd only) | 1.0688% | 5,388 |
| Net charge-offs to loans | -0.0974% | 7,548 |
| Credit loss provision to net charge-offs | -215.3846% | 6,953 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6042% | 1,076 |
| Assets per employee ($millions) | 2.6255% | 6,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6626% | 1,124 |
| Loan loss allowance to noncurrent loans | 33.2479% | 6,110 |
| Noncurrent assets plus other real estate owned to assets | 5.7703% | 1,054 |
| Noncurrent loans to loans | 8.0084% | 647 |
| Net loans and leases to total assets | 60.2203% | 4,865 |
| Net loans and leases to deposits | 68.4328% | 5,359 |
| Net loans and leases to core deposits | 79.5114% | 4,587 |
| Total domestic deposits to total assets | 87.9991% | 1,960 |
| Equity capital to assets | 11.1947% | 2,780 |
| Core capital (leverage) ratio | 11.8382% | 1,745 |
| Tier 1 risk-based capital ratio | 17.4872% | 2,183 |
| Total risk-based capital ratio | 18.7857% | 2,134 |
| Memoranda: | ||
| Average total assets | $28,785,000 | 7,340 |
| Average earning assets | $26,166,750 | 7,313 |
| Average equity | $3,492,750 | 7,230 |
| Average total loans | $17,797,500 | 7,134 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9912% | 4,980 |
| Cost of funding earning assets | 0.8556% | 6,740 |
| Net interest margin | 4.1356% | 2,398 |
| Noninterest income to average assets | 0.6744% | 2,855 |
| Noninterest expense to average assets | 4.3403% | 690 |
| Loan and lease loss provision to assets | 0.1794% | 5,076 |
| Net operating income to assets | -0.0646% | 6,180 |
| Return on assets (ROA) | -0.0646% | 6,267 |
| Pretax return on assets | -0.1004% | 6,245 |
| Return on Equity (ROE) | -0.5170% | 6,257 |
| Retained earnings to average equity (ytd only) | -0.5170% | 5,854 |
| Net charge-offs to loans | -0.1045% | 7,558 |
| Credit loss provision to net charge-offs | -277.7778% | 6,763 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.2143% | 873 |
| Assets per employee ($millions) | 2.3502% | 7,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9165% | 898 |
| Loan loss allowance to noncurrent loans | 33.2034% | 6,157 |
| Noncurrent assets plus other real estate owned to assets | 6.4251% | 876 |
| Noncurrent loans to loans | 8.7837% | 553 |
| Net loans and leases to total assets | 60.3149% | 4,998 |
| Net loans and leases to deposits | 69.4881% | 5,352 |
| Net loans and leases to core deposits | 75.1856% | 5,300 |
| Total domestic deposits to total assets | 86.7988% | 2,648 |
| Equity capital to assets | 12.3963% | 1,867 |
| Core capital (leverage) ratio | 12.5122% | 1,404 |
| Tier 1 risk-based capital ratio | 19.4651% | 1,614 |
| Total risk-based capital ratio | 20.7346% | 1,581 |
| Memoranda: | ||
| Average total assets | $27,878,000 | 7,419 |
| Average earning assets | $25,244,330 | 7,393 |
| Average equity | $3,481,330 | 7,269 |
| Average total loans | $17,232,670 | 7,210 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9557% | 5,213 |
| Cost of funding earning assets | 0.9083% | 6,740 |
| Net interest margin | 4.0474% | 2,661 |
| Noninterest income to average assets | 0.6350% | 3,043 |
| Noninterest expense to average assets | 4.5317% | 564 |
| Loan and lease loss provision to assets | 0.2453% | 4,084 |
| Net operating income to assets | -0.3175% | 6,684 |
| Return on assets (ROA) | -0.3175% | 6,734 |
| Pretax return on assets | -0.4763% | 6,761 |
| Return on Equity (ROE) | -2.5331% | 6,697 |
| Retained earnings to average equity (ytd only) | -2.5331% | 6,296 |
| Net charge-offs to loans | -0.1404% | 7,592 |
| Credit loss provision to net charge-offs | -283.3333% | 6,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.3691% | 691 |
| Assets per employee ($millions) | 2.0978% | 7,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9042% | 894 |
| Loan loss allowance to noncurrent loans | 32.3643% | 6,254 |
| Noncurrent assets plus other real estate owned to assets | 6.6772% | 835 |
| Noncurrent loans to loans | 8.9734% | 544 |
| Net loans and leases to total assets | 61.4183% | 4,869 |
| Net loans and leases to deposits | 70.5323% | 5,263 |
| Net loans and leases to core deposits | 76.4910% | 5,192 |
| Total domestic deposits to total assets | 87.0783% | 2,591 |
| Equity capital to assets | 12.7273% | 1,636 |
| Core capital (leverage) ratio | 12.3771% | 1,459 |
| Tier 1 risk-based capital ratio | 18.9109% | 1,738 |
| Total risk-based capital ratio | 20.2310% | 1,693 |
| Memoranda: | ||
| Average total assets | $27,716,000 | 7,514 |
| Average earning assets | $25,102,500 | 7,490 |
| Average equity | $3,474,000 | 7,351 |
| Average total loans | $17,088,500 | 7,309 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2530% | 5,399 |
| Cost of funding earning assets | 1.2492% | 6,477 |
| Net interest margin | 4.0038% | 2,845 |
| Noninterest income to average assets | 0.9699% | 1,667 |
| Noninterest expense to average assets | 4.2185% | 1,071 |
| Loan and lease loss provision to assets | 0.7738% | 2,794 |
| Net operating income to assets | -0.3423% | 6,018 |
| Return on assets (ROA) | -0.3423% | 6,006 |
| Pretax return on assets | -0.4564% | 5,970 |
| Return on Equity (ROE) | -2.7414% | 5,952 |
| Retained earnings to average equity (ytd only) | -2.7414% | 5,653 |
| Net charge-offs to loans | 2.1146% | 1,152 |
| Credit loss provision to net charge-offs | 63.4503% | 6,590 |
| Earnings coverage of net charge-offs (x) | 0.2602% | 5,858 |
| Efficiency ratio | 93.0031% | 1,484 |
| Assets per employee ($millions) | 2.1662% | 7,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8241% | 911 |
| Loan loss allowance to noncurrent loans | 30.1958% | 6,458 |
| Noncurrent assets plus other real estate owned to assets | 6.7259% | 775 |
| Noncurrent loans to loans | 9.3525% | 462 |
| Net loans and leases to total assets | 58.4091% | 5,595 |
| Net loans and leases to deposits | 67.0581% | 5,938 |
| Net loans and leases to core deposits | 80.0428% | 6,097 |
| Total domestic deposits to total assets | 87.1023% | 2,437 |
| Equity capital to assets | 12.3473% | 1,823 |
| Core capital (leverage) ratio | 12.4120% | 1,487 |
| Tier 1 risk-based capital ratio | 18.3401% | 1,796 |
| Total risk-based capital ratio | 19.6039% | 1,748 |
| Memoranda: | ||
| Average total assets | $28,043,200 | 7,546 |
| Average earning assets | $24,976,400 | 7,544 |
| Average equity | $3,501,800 | 7,444 |
| Average total loans | $16,173,400 | 7,396 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3031% | 5,409 |
| Cost of funding earning assets | 1.3191% | 6,495 |
| Net interest margin | 3.9840% | 2,880 |
| Noninterest income to average assets | 1.0518% | 1,439 |
| Noninterest expense to average assets | 4.1692% | 1,066 |
| Loan and lease loss provision to assets | 1.0328% | 1,857 |
| Net operating income to assets | -0.2380% | 6,121 |
| Return on assets (ROA) | -0.2380% | 6,128 |
| Pretax return on assets | -0.6140% | 6,404 |
| Return on Equity (ROE) | -1.9005% | 6,085 |
| Retained earnings to average equity (ytd only) | -1.9005% | 5,702 |
| Net charge-offs to loans | 1.1927% | 1,703 |
| Credit loss provision to net charge-offs | 151.7483% | 3,157 |
| Earnings coverage of net charge-offs (x) | 0.6154% | 5,413 |
| Efficiency ratio | 90.8714% | 1,620 |
| Assets per employee ($millions) | 2.2056% | 7,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1013% | 277 |
| Loan loss allowance to noncurrent loans | 55.8120% | 4,620 |
| Noncurrent assets plus other real estate owned to assets | 5.5348% | 1,030 |
| Noncurrent loans to loans | 7.3484% | 711 |
| Net loans and leases to total assets | 55.2087% | 6,245 |
| Net loans and leases to deposits | 63.2846% | 6,561 |
| Net loans and leases to core deposits | 74.5222% | 6,699 |
| Total domestic deposits to total assets | 87.2389% | 2,059 |
| Equity capital to assets | 12.3008% | 2,063 |
| Core capital (leverage) ratio | 12.5898% | 1,545 |
| Tier 1 risk-based capital ratio | 19.4906% | 1,647 |
| Total risk-based capital ratio | 20.7696% | 1,602 |
| Memoranda: | ||
| Average total assets | $28,014,000 | 7,612 |
| Average earning assets | $24,865,250 | 7,618 |
| Average equity | $3,508,000 | 7,507 |
| Average total loans | $15,985,250 | 7,471 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3563% | 5,372 |
| Cost of funding earning assets | 1.3976% | 6,488 |
| Net interest margin | 3.9586% | 2,867 |
| Noninterest income to average assets | 1.0937% | 1,331 |
| Noninterest expense to average assets | 4.3174% | 927 |
| Loan and lease loss provision to assets | 1.5615% | 1,089 |
| Net operating income to assets | -0.6908% | 6,743 |
| Return on assets (ROA) | -0.6908% | 6,747 |
| Pretax return on assets | -1.2592% | 6,969 |
| Return on Equity (ROE) | -5.4831% | 6,658 |
| Retained earnings to average equity (ytd only) | -5.4831% | 6,373 |
| Net charge-offs to loans | 1.1511% | 1,586 |
| Credit loss provision to net charge-offs | 238.4615% | 1,951 |
| Earnings coverage of net charge-offs (x) | 0.4615% | 5,238 |
| Efficiency ratio | 93.4579% | 1,536 |
| Assets per employee ($millions) | 2.1285% | 7,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6839% | 156 |
| Loan loss allowance to noncurrent loans | 54.2411% | 4,764 |
| Noncurrent assets plus other real estate owned to assets | 7.2389% | 571 |
| Noncurrent loans to loans | 8.6353% | 470 |
| Net loans and leases to total assets | 53.6140% | 6,506 |
| Net loans and leases to deposits | 61.6789% | 6,755 |
| Net loans and leases to core deposits | 73.5097% | 6,817 |
| Total domestic deposits to total assets | 86.9245% | 2,295 |
| Equity capital to assets | 12.5479% | 1,901 |
| Core capital (leverage) ratio | 12.4653% | 1,638 |
| Tier 1 risk-based capital ratio | 18.8071% | 1,814 |
| Total risk-based capital ratio | 20.1392% | 1,756 |
| Memoranda: | ||
| Average total assets | $27,794,330 | 7,687 |
| Average earning assets | $24,756,000 | 7,689 |
| Average equity | $3,501,670 | 7,577 |
| Average total loans | $15,811,330 | 7,544 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4645% | 5,092 |
| Cost of funding earning assets | 1.4465% | 6,587 |
| Net interest margin | 4.0180% | 2,577 |
| Noninterest income to average assets | 1.1775% | 1,059 |
| Noninterest expense to average assets | 4.6381% | 635 |
| Loan and lease loss provision to assets | 3.1160% | 348 |
| Net operating income to assets | -1.8524% | 7,614 |
| Return on assets (ROA) | -1.8524% | 7,617 |
| Pretax return on assets | -2.9867% | 7,753 |
| Return on Equity (ROE) | -14.6737% | 7,591 |
| Retained earnings to average equity (ytd only) | -14.6737% | 7,420 |
| Net charge-offs to loans | 2.2090% | 655 |
| Credit loss provision to net charge-offs | 246.5909% | 1,900 |
| Earnings coverage of net charge-offs (x) | 0.1023% | 4,903 |
| Efficiency ratio | 97.2892% | 1,253 |
| Assets per employee ($millions) | 2.3077% | 7,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5965% | 142 |
| Loan loss allowance to noncurrent loans | 243.1894% | 1,381 |
| Noncurrent assets plus other real estate owned to assets | 2.0259% | 2,854 |
| Noncurrent loans to loans | 1.8901% | 3,428 |
| Net loans and leases to total assets | 54.8642% | 6,373 |
| Net loans and leases to deposits | 63.0912% | 6,643 |
| Net loans and leases to core deposits | 74.9494% | 6,749 |
| Total domestic deposits to total assets | 86.9601% | 2,238 |
| Equity capital to assets | 12.4657% | 1,995 |
| Core capital (leverage) ratio | 12.1163% | 1,846 |
| Tier 1 risk-based capital ratio | 18.4780% | 1,939 |
| Total risk-based capital ratio | 19.7616% | 1,891 |
| Memoranda: | ||
| Average total assets | $27,856,500 | 7,735 |
| Average earning assets | $24,888,000 | 7,728 |
| Average equity | $3,516,500 | 7,624 |
| Average total loans | $15,935,000 | 7,580 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0720% | 5,192 |
| Cost of funding earning assets | 1.9762% | 6,490 |
| Net interest margin | 4.0958% | 2,728 |
| Noninterest income to average assets | 1.2047% | 1,026 |
| Noninterest expense to average assets | 4.4087% | 948 |
| Loan and lease loss provision to assets | 2.1223% | 545 |
| Net operating income to assets | -1.5330% | 7,480 |
| Return on assets (ROA) | -1.5330% | 7,425 |
| Pretax return on assets | -1.9171% | 7,415 |
| Return on Equity (ROE) | -10.5612% | 7,314 |
| Retained earnings to average equity (ytd only) | -10.5612% | 7,117 |
| Net charge-offs to loans | 1.1946% | 1,014 |
| Credit loss provision to net charge-offs | 316.1111% | 1,426 |
| Earnings coverage of net charge-offs (x) | 0.3056% | 6,052 |
| Efficiency ratio | 95.5538% | 1,184 |
| Assets per employee ($millions) | 2.1555% | 7,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7817% | 220 |
| Loan loss allowance to noncurrent loans | 128.0255% | 2,833 |
| Noncurrent assets plus other real estate owned to assets | 2.6088% | 1,840 |
| Noncurrent loans to loans | 2.9539% | 1,817 |
| Net loans and leases to total assets | 54.7518% | 6,574 |
| Net loans and leases to deposits | 63.4649% | 6,846 |
| Net loans and leases to core deposits | 72.2759% | 7,064 |
| Total domestic deposits to total assets | 86.2710% | 2,277 |
| Equity capital to assets | 12.7797% | 1,879 |
| Core capital (leverage) ratio | 13.5171% | 1,383 |
| Tier 1 risk-based capital ratio | 18.6653% | 1,876 |
| Total risk-based capital ratio | 19.9149% | 1,828 |
| Memoranda: | ||
| Average total assets | $26,810,800 | 7,768 |
| Average earning assets | $22,315,400 | 7,850 |
| Average equity | $3,891,600 | 7,554 |
| Average total loans | $15,067,400 | 7,643 |