Home > Lake Country Community Bank > Performance and Condition Ratios
Lake Country Community Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8284% | 4,150 |
| Cost of funding earning assets | 0.3939% | 4,301 |
| Net interest margin | 3.4346% | 2,336 |
| Noninterest income to average assets | 0.0700% | 4,379 |
| Noninterest expense to average assets | 2.6028% | 1,989 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.4611% | 3,746 |
| Return on assets (ROA) | 0.4513% | 3,765 |
| Pretax return on assets | 0.6244% | 3,590 |
| Return on Equity (ROE) | 6.2700% | 3,468 |
| Retained earnings to average equity (ytd only) | 6.2677% | 2,145 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 80.0380% | 915 |
| Assets per employee ($millions) | 4.4427% | 3,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3520% | 1,575 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 33.0800% | 4,230 |
| Net loans and leases to deposits | 36.3072% | 4,268 |
| Net loans and leases to core deposits | 37.3552% | 4,323 |
| Total domestic deposits to total assets | 91.1200% | 473 |
| Equity capital to assets | 8.6209% | 2,953 |
| Core capital (leverage) ratio | 12.7743% | 1,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8015% | 342 |
| Memoranda: | ||
| Average total assets | $32,349,600 | 4,451 |
| Average earning assets | $29,960,200 | 4,417 |
| Average equity | $2,329,400 | 4,471 |
| Average total loans | $9,792,000 | 4,413 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7401% | 4,096 |
| Cost of funding earning assets | 0.2931% | 4,326 |
| Net interest margin | 3.4470% | 2,400 |
| Noninterest income to average assets | 0.0800% | 4,398 |
| Noninterest expense to average assets | 2.3362% | 2,690 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.6463% | 3,471 |
| Return on assets (ROA) | 0.6463% | 3,482 |
| Pretax return on assets | 0.9250% | 3,110 |
| Return on Equity (ROE) | 9.9400% | 2,717 |
| Retained earnings to average equity (ytd only) | 9.9422% | 1,412 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 71.1191% | 1,651 |
| Assets per employee ($millions) | 6.2050% | 2,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4005% | 1,532 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 32.0000% | 4,283 |
| Net loans and leases to deposits | 34.7864% | 4,318 |
| Net loans and leases to core deposits | 36.2180% | 4,321 |
| Total domestic deposits to total assets | 91.9800% | 415 |
| Equity capital to assets | 7.9194% | 3,269 |
| Core capital (leverage) ratio | 11.4646% | 1,641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.0973% | 295 |
| Memoranda: | ||
| Average total assets | $33,729,667 | 4,490 |
| Average earning assets | $31,389,333 | 4,459 |
| Average equity | $2,192,667 | 4,530 |
| Average total loans | $9,473,667 | 4,472 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6801% | 4,056 |
| Cost of funding earning assets | 0.2346% | 4,319 |
| Net interest margin | 3.4455% | 2,514 |
| Noninterest income to average assets | 0.0700% | 4,475 |
| Noninterest expense to average assets | 2.3032% | 2,805 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6727% | 3,522 |
| Return on assets (ROA) | 0.6727% | 3,476 |
| Pretax return on assets | 0.9464% | 3,136 |
| Return on Equity (ROE) | 11.4500% | 2,364 |
| Retained earnings to average equity (ytd only) | 11.4535% | 1,368 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 70.8772% | 1,656 |
| Assets per employee ($millions) | 6.8442% | 2,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4840% | 1,326 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 26.5800% | 4,432 |
| Net loans and leases to deposits | 28.6963% | 4,471 |
| Net loans and leases to core deposits | 29.2754% | 4,470 |
| Total domestic deposits to total assets | 92.6200% | 371 |
| Equity capital to assets | 7.2792% | 3,685 |
| Core capital (leverage) ratio | 10.8045% | 1,993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.6319% | 282 |
| Memoranda: | ||
| Average total assets | $35,082,000 | 4,540 |
| Average earning assets | $32,390,500 | 4,513 |
| Average equity | $2,060,500 | 4,608 |
| Average total loans | $9,176,500 | 4,544 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5766% | 4,469 |
| Cost of funding earning assets | 0.1612% | 4,053 |
| Net interest margin | 2.4153% | 4,351 |
| Noninterest income to average assets | 0.1700% | 4,121 |
| Noninterest expense to average assets | 2.5250% | 2,037 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | -0.0320% | 4,582 |
| Return on assets (ROA) | -0.0320% | 4,571 |
| Pretax return on assets | -0.0873% | 4,571 |
| Return on Equity (ROE) | -0.5600% | 4,559 |
| Retained earnings to average equity (ytd only) | -0.5582% | 4,404 |
| Net charge-offs to loans | -0.0111% | 3,860 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 103.5800% | 126 |
| Assets per employee ($millions) | 7.1886% | 1,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5020% | 1,191 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 25.0000% | 4,493 |
| Net loans and leases to deposits | 26.2100% | 4,520 |
| Net loans and leases to core deposits | 26.6976% | 4,517 |
| Total domestic deposits to total assets | 95.3600% | 116 |
| Equity capital to assets | 4.5350% | 4,457 |
| Core capital (leverage) ratio | 8.1513% | 4,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8291% | 640 |
| Memoranda: | ||
| Average total assets | $34,376,400 | 4,583 |
| Average earning assets | $32,252,400 | 4,550 |
| Average equity | $1,970,600 | 4,678 |
| Average total loans | $9,034,800 | 4,576 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3669% | 4,513 |
| Cost of funding earning assets | 0.1619% | 3,716 |
| Net interest margin | 2.2049% | 4,460 |
| Noninterest income to average assets | 0.1300% | 4,339 |
| Noninterest expense to average assets | 2.5148% | 1,974 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | -0.2158% | 4,650 |
| Return on assets (ROA) | -0.2158% | 4,630 |
| Pretax return on assets | -0.2982% | 4,634 |
| Return on Equity (ROE) | -3.5700% | 4,643 |
| Retained earnings to average equity (ytd only) | -3.5671% | 4,560 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 113.4513% | 83 |
| Assets per employee ($millions) | 5.7290% | 3,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6233% | 1,025 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 23.9800% | 4,545 |
| Net loans and leases to deposits | 25.1059% | 4,575 |
| Net loans and leases to core deposits | 25.6098% | 4,563 |
| Total domestic deposits to total assets | 95.5100% | 169 |
| Equity capital to assets | 4.4219% | 4,415 |
| Core capital (leverage) ratio | 7.9538% | 4,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4188% | 412 |
| Memoranda: | ||
| Average total assets | $33,984,750 | 4,620 |
| Average earning assets | $32,109,250 | 4,587 |
| Average equity | $2,055,750 | 4,714 |
| Average total loans | $9,013,250 | 4,613 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2189% | 4,558 |
| Cost of funding earning assets | 0.1616% | 3,424 |
| Net interest margin | 2.0573% | 4,529 |
| Noninterest income to average assets | 0.2954% | 3,397 |
| Noninterest expense to average assets | 2.5698% | 1,725 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.1949% | 4,637 |
| Return on assets (ROA) | -0.1949% | 4,609 |
| Pretax return on assets | -0.3190% | 4,625 |
| Return on Equity (ROE) | -2.9539% | 4,642 |
| Retained earnings to average equity (ytd only) | -2.9539% | 4,453 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.1732% | 100 |
| Assets per employee ($millions) | 5.4308% | 3,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5717% | 1,215 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 26.1378% | 4,555 |
| Net loans and leases to deposits | 27.5560% | 4,591 |
| Net loans and leases to core deposits | 28.1423% | 4,594 |
| Total domestic deposits to total assets | 94.8535% | 157 |
| Equity capital to assets | 5.0790% | 4,456 |
| Core capital (leverage) ratio | 8.1727% | 4,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0162% | 420 |
| Memoranda: | ||
| Average total assets | $33,855,000 | 4,656 |
| Average earning assets | $32,178,333 | 4,639 |
| Average equity | $2,234,333 | 4,729 |
| Average total loans | $9,225,000 | 4,672 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1704% | 4,544 |
| Cost of funding earning assets | 0.1698% | 3,223 |
| Net interest margin | 2.0007% | 4,513 |
| Noninterest income to average assets | 0.0812% | 4,572 |
| Noninterest expense to average assets | 2.3543% | 2,324 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.3595% | 4,678 |
| Return on assets (ROA) | -0.3595% | 4,662 |
| Pretax return on assets | -0.3595% | 4,652 |
| Return on Equity (ROE) | -4.9128% | 4,706 |
| Retained earnings to average equity (ytd only) | -4.9128% | 4,421 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.0233% | 91 |
| Assets per employee ($millions) | 5.7170% | 3,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4820% | 1,614 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 26.3571% | 4,552 |
| Net loans and leases to deposits | 28.2196% | 4,595 |
| Net loans and leases to core deposits | 28.7985% | 4,602 |
| Total domestic deposits to total assets | 93.3998% | 183 |
| Equity capital to assets | 6.5215% | 4,422 |
| Core capital (leverage) ratio | 8.1336% | 4,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.7298% | 305 |
| Memoranda: | ||
| Average total assets | $34,490,000 | 4,680 |
| Average earning assets | $32,989,000 | 4,664 |
| Average equity | $2,524,000 | 4,741 |
| Average total loans | $9,511,000 | 4,690 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5756% | 4,427 |
| Cost of funding earning assets | 0.1928% | 3,544 |
| Net interest margin | 2.3828% | 4,340 |
| Noninterest income to average assets | 0.3759% | 3,180 |
| Noninterest expense to average assets | 2.6435% | 1,767 |
| Loan and lease loss provision to assets | -0.2346% | 4,738 |
| Net operating income to assets | 0.1865% | 4,552 |
| Return on assets (ROA) | 0.1865% | 4,568 |
| Pretax return on assets | 0.2346% | 4,540 |
| Return on Equity (ROE) | 2.1404% | 4,487 |
| Retained earnings to average equity (ytd only) | 2.1404% | 3,945 |
| Net charge-offs to loans | -0.3243% | 4,752 |
| Credit loss provision to net charge-offs | 222.8571% | 1,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 146 |
| Assets per employee ($millions) | 5.7797% | 2,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3814% | 1,994 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 27.9976% | 4,568 |
| Net loans and leases to deposits | 30.5171% | 4,615 |
| Net loans and leases to core deposits | 31.1465% | 4,619 |
| Total domestic deposits to total assets | 91.7440% | 253 |
| Equity capital to assets | 8.1060% | 4,300 |
| Core capital (leverage) ratio | 8.1419% | 4,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4217% | 377 |
| Memoranda: | ||
| Average total assets | $33,251,400 | 4,721 |
| Average earning assets | $31,643,000 | 4,704 |
| Average equity | $2,896,600 | 4,767 |
| Average total loans | $10,793,200 | 4,717 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6945% | 4,412 |
| Cost of funding earning assets | 0.1964% | 3,639 |
| Net interest margin | 2.4981% | 4,277 |
| Noninterest income to average assets | 0.1054% | 4,650 |
| Noninterest expense to average assets | 2.4887% | 2,154 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | -0.0122% | 4,747 |
| Return on assets (ROA) | -0.0122% | 4,758 |
| Pretax return on assets | -0.0122% | 4,756 |
| Return on Equity (ROE) | -0.1371% | 4,760 |
| Retained earnings to average equity (ytd only) | -0.1371% | 4,576 |
| Net charge-offs to loans | -0.3868% | 4,823 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.4910% | 153 |
| Assets per employee ($millions) | 4.8184% | 3,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0009% | 626 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 30.6383% | 4,574 |
| Net loans and leases to deposits | 33.5421% | 4,635 |
| Net loans and leases to core deposits | 34.2821% | 4,648 |
| Total domestic deposits to total assets | 91.3428% | 278 |
| Equity capital to assets | 8.5742% | 4,160 |
| Core capital (leverage) ratio | 8.4143% | 4,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4487% | 403 |
| Memoranda: | ||
| Average total assets | $32,894,750 | 4,795 |
| Average earning assets | $31,222,750 | 4,778 |
| Average equity | $2,918,000 | 4,838 |
| Average total loans | $11,030,250 | 4,788 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7637% | 4,394 |
| Cost of funding earning assets | 0.2071% | 3,678 |
| Net interest margin | 2.5566% | 4,243 |
| Noninterest income to average assets | 0.1165% | 4,616 |
| Noninterest expense to average assets | 2.5447% | 2,014 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -0.0061% | 4,774 |
| Return on assets (ROA) | -0.0061% | 4,785 |
| Pretax return on assets | -0.0061% | 4,781 |
| Return on Equity (ROE) | -0.0683% | 4,785 |
| Retained earnings to average equity (ytd only) | -0.0683% | 4,520 |
| Net charge-offs to loans | -0.4289% | 4,866 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.2415% | 166 |
| Assets per employee ($millions) | 4.7017% | 3,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7934% | 894 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 33.7749% | 4,547 |
| Net loans and leases to deposits | 37.0435% | 4,610 |
| Net loans and leases to core deposits | 37.8804% | 4,628 |
| Total domestic deposits to total assets | 91.1765% | 314 |
| Equity capital to assets | 8.6351% | 4,099 |
| Core capital (leverage) ratio | 8.3987% | 4,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4313% | 458 |
| Memoranda: | ||
| Average total assets | $32,616,667 | 4,828 |
| Average earning assets | $30,901,000 | 4,808 |
| Average equity | $2,926,667 | 4,871 |
| Average total loans | $11,192,000 | 4,820 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7564% | 4,419 |
| Cost of funding earning assets | 0.1960% | 3,947 |
| Net interest margin | 2.5605% | 4,221 |
| Noninterest income to average assets | 0.0986% | 4,693 |
| Noninterest expense to average assets | 2.4885% | 2,205 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.0246% | 4,764 |
| Return on assets (ROA) | 0.0246% | 4,773 |
| Pretax return on assets | 0.0246% | 4,775 |
| Return on Equity (ROE) | 0.2695% | 4,767 |
| Retained earnings to average equity (ytd only) | 0.2695% | 4,335 |
| Net charge-offs to loans | -0.1078% | 4,660 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.0196% | 202 |
| Assets per employee ($millions) | 5.4320% | 3,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6059% | 1,279 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 34.2139% | 4,569 |
| Net loans and leases to deposits | 37.7105% | 4,636 |
| Net loans and leases to core deposits | 38.5741% | 4,655 |
| Total domestic deposits to total assets | 90.7278% | 500 |
| Equity capital to assets | 9.0176% | 3,660 |
| Core capital (leverage) ratio | 8.7506% | 3,864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1087% | 396 |
| Memoranda: | ||
| Average total assets | $32,469,000 | 4,853 |
| Average earning assets | $30,619,500 | 4,834 |
| Average equity | $2,969,000 | 4,895 |
| Average total loans | $11,128,500 | 4,844 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2271% | 4,422 |
| Cost of funding earning assets | 0.4640% | 3,194 |
| Net interest margin | 2.7630% | 4,306 |
| Noninterest income to average assets | 0.0402% | 4,878 |
| Noninterest expense to average assets | 2.9087% | 1,664 |
| Loan and lease loss provision to assets | -0.0670% | 4,948 |
| Net operating income to assets | -0.1575% | 4,809 |
| Return on assets (ROA) | 0.1072% | 4,703 |
| Pretax return on assets | 0.1474% | 4,677 |
| Return on Equity (ROE) | 1.0970% | 4,671 |
| Retained earnings to average equity (ytd only) | 1.0970% | 4,192 |
| Net charge-offs to loans | 0.4195% | 402 |
| Credit loss provision to net charge-offs | -42.5532% | 3,686 |
| Earnings coverage of net charge-offs (x) | -1.6170% | 3,357 |
| Efficiency ratio | 109.5960% | 122 |
| Assets per employee ($millions) | 4.6209% | 3,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6386% | 1,199 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 33.2189% | 4,672 |
| Net loans and leases to deposits | 36.6962% | 4,729 |
| Net loans and leases to core deposits | 37.5450% | 4,753 |
| Total domestic deposits to total assets | 90.5243% | 367 |
| Equity capital to assets | 9.2716% | 3,825 |
| Core capital (leverage) ratio | 8.8286% | 3,865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.4522% | 338 |
| Memoranda: | ||
| Average total assets | $29,841,800 | 4,875 |
| Average earning assets | $28,229,800 | 4,858 |
| Average equity | $2,917,000 | 4,914 |
| Average total loans | $11,203,000 | 4,872 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3740% | 4,385 |
| Cost of funding earning assets | 0.5239% | 3,088 |
| Net interest margin | 2.8501% | 4,264 |
| Noninterest income to average assets | 0.0274% | 4,936 |
| Noninterest expense to average assets | 2.8660% | 1,786 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | -0.1082% | 4,818 |
| Return on assets (ROA) | 0.1369% | 4,690 |
| Pretax return on assets | 0.1780% | 4,673 |
| Return on Equity (ROE) | 1.3809% | 4,645 |
| Retained earnings to average equity (ytd only) | 1.3809% | 4,122 |
| Net charge-offs to loans | 0.5796% | 253 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | -0.5918% | 3,150 |
| Efficiency ratio | 104.8414% | 134 |
| Assets per employee ($millions) | 4.3717% | 3,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8486% | 651 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 34.1808% | 4,735 |
| Net loans and leases to deposits | 37.9673% | 4,791 |
| Net loans and leases to core deposits | 38.9340% | 4,809 |
| Total domestic deposits to total assets | 90.0268% | 418 |
| Equity capital to assets | 9.8065% | 3,422 |
| Core capital (leverage) ratio | 8.9309% | 3,835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0732% | 362 |
| Memoranda: | ||
| Average total assets | $29,215,750 | 4,912 |
| Average earning assets | $27,740,750 | 4,893 |
| Average equity | $2,896,500 | 4,943 |
| Average total loans | $11,272,750 | 4,902 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6559% | 4,161 |
| Cost of funding earning assets | 0.5788% | 3,090 |
| Net interest margin | 3.0771% | 3,949 |
| Noninterest income to average assets | 0.1461% | 4,574 |
| Noninterest expense to average assets | 3.0535% | 1,452 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.0050% | 4,773 |
| Return on assets (ROA) | 0.1808% | 4,639 |
| Pretax return on assets | 0.2365% | 4,600 |
| Return on Equity (ROE) | 1.8171% | 4,561 |
| Retained earnings to average equity (ytd only) | 1.8171% | 3,824 |
| Net charge-offs to loans | 1.0106% | 143 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 0.0345% | 2,937 |
| Efficiency ratio | 99.5465% | 189 |
| Assets per employee ($millions) | 4.3026% | 3,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6317% | 937 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 37.6320% | 4,681 |
| Net loans and leases to deposits | 42.8118% | 4,725 |
| Net loans and leases to core deposits | 43.9353% | 4,753 |
| Total domestic deposits to total assets | 87.9009% | 1,233 |
| Equity capital to assets | 9.8845% | 3,302 |
| Core capital (leverage) ratio | 9.9993% | 2,848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.3158% | 354 |
| Memoranda: | ||
| Average total assets | $28,753,667 | 4,946 |
| Average earning assets | $27,298,333 | 4,924 |
| Average equity | $2,861,667 | 4,975 |
| Average total loans | $11,478,000 | 4,930 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4465% | 4,692 |
| Cost of funding earning assets | 0.6321% | 3,259 |
| Net interest margin | 2.8144% | 4,556 |
| Noninterest income to average assets | 0.1567% | 4,589 |
| Noninterest expense to average assets | 2.6646% | 2,801 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.1140% | 4,644 |
| Return on assets (ROA) | 0.1140% | 4,644 |
| Pretax return on assets | 0.1567% | 4,615 |
| Return on Equity (ROE) | 1.1412% | 4,610 |
| Retained earnings to average equity (ytd only) | 1.1412% | 3,707 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4444% | 367 |
| Assets per employee ($millions) | 4.0136% | 3,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1306% | 411 |
| Loan loss allowance to noncurrent loans | 282.7586% | 1,593 |
| Noncurrent assets plus other real estate owned to assets | 0.3097% | 3,205 |
| Noncurrent loans to loans | 0.7535% | 2,120 |
| Net loans and leases to total assets | 40.2207% | 4,658 |
| Net loans and leases to deposits | 45.9742% | 4,725 |
| Net loans and leases to core deposits | 47.2744% | 4,748 |
| Total domestic deposits to total assets | 87.4853% | 1,343 |
| Equity capital to assets | 10.1477% | 3,654 |
| Core capital (leverage) ratio | 9.4664% | 4,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9061% | 755 |
| Memoranda: | ||
| Average total assets | $28,071,500 | 4,992 |
| Average earning assets | $26,577,500 | 4,973 |
| Average equity | $2,804,000 | 5,022 |
| Average total loans | $11,456,000 | 4,974 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9399% | 4,363 |
| Cost of funding earning assets | 0.5703% | 3,772 |
| Net interest margin | 3.3697% | 3,824 |
| Noninterest income to average assets | 0.1634% | 4,673 |
| Noninterest expense to average assets | 2.7702% | 2,689 |
| Loan and lease loss provision to assets | -0.0111% | 4,937 |
| Net operating income to assets | 0.3973% | 4,595 |
| Return on assets (ROA) | 0.3973% | 4,631 |
| Pretax return on assets | 0.5422% | 4,504 |
| Return on Equity (ROE) | 4.0054% | 4,458 |
| Retained earnings to average equity (ytd only) | 4.0054% | 2,962 |
| Net charge-offs to loans | -0.1418% | 5,010 |
| Credit loss provision to net charge-offs | 16.6667% | 3,332 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9145% | 657 |
| Assets per employee ($millions) | 4.6747% | 2,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1643% | 353 |
| Loan loss allowance to noncurrent loans | 279.5455% | 1,614 |
| Noncurrent assets plus other real estate owned to assets | 0.3137% | 3,165 |
| Noncurrent loans to loans | 0.7742% | 1,967 |
| Net loans and leases to total assets | 39.6463% | 4,745 |
| Net loans and leases to deposits | 45.1629% | 4,803 |
| Net loans and leases to core deposits | 46.4359% | 4,827 |
| Total domestic deposits to total assets | 87.7852% | 1,239 |
| Equity capital to assets | 9.8296% | 4,078 |
| Core capital (leverage) ratio | 9.2753% | 4,300 |
| Tier 1 risk-based capital ratio | 19.0924% | 1,491 |
| Total risk-based capital ratio | 20.3509% | 1,467 |
| Memoranda: | ||
| Average total assets | $26,929,400 | 5,057 |
| Average earning assets | $25,076,600 | 5,042 |
| Average equity | $2,671,400 | 5,089 |
| Average total loans | $12,689,600 | 5,016 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0453% | 4,271 |
| Cost of funding earning assets | 0.5664% | 3,837 |
| Net interest margin | 3.4790% | 3,637 |
| Noninterest income to average assets | 0.1751% | 4,668 |
| Noninterest expense to average assets | 2.8067% | 2,545 |
| Loan and lease loss provision to assets | -0.0150% | 5,066 |
| Net operating income to assets | 0.4653% | 4,592 |
| Return on assets (ROA) | 0.4653% | 4,630 |
| Pretax return on assets | 0.6104% | 4,520 |
| Return on Equity (ROE) | 4.6792% | 4,429 |
| Retained earnings to average equity (ytd only) | 4.6792% | 3,064 |
| Net charge-offs to loans | -0.1536% | 5,070 |
| Credit loss provision to net charge-offs | 20.0000% | 2,967 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5000% | 725 |
| Assets per employee ($millions) | 4.5368% | 3,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0439% | 425 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 42.7831% | 4,728 |
| Net loans and leases to deposits | 48.9122% | 4,803 |
| Net loans and leases to core deposits | 50.3850% | 4,827 |
| Total domestic deposits to total assets | 87.4692% | 1,274 |
| Equity capital to assets | 10.0621% | 3,955 |
| Core capital (leverage) ratio | 9.6862% | 3,986 |
| Tier 1 risk-based capital ratio | 16.5535% | 2,249 |
| Total risk-based capital ratio | 17.8084% | 2,177 |
| Memoranda: | ||
| Average total assets | $26,649,750 | 5,136 |
| Average earning assets | $24,719,250 | 5,121 |
| Average equity | $2,650,000 | 5,167 |
| Average total loans | $13,020,500 | 5,083 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0492% | 4,285 |
| Cost of funding earning assets | 0.5366% | 3,946 |
| Net interest margin | 3.5126% | 3,560 |
| Noninterest income to average assets | 0.1512% | 4,825 |
| Noninterest expense to average assets | 2.9479% | 2,145 |
| Loan and lease loss provision to assets | -0.0227% | 5,142 |
| Net operating income to assets | 0.3779% | 4,766 |
| Return on assets (ROA) | 0.3779% | 4,786 |
| Pretax return on assets | 0.4913% | 4,712 |
| Return on Equity (ROE) | 3.8163% | 4,627 |
| Retained earnings to average equity (ytd only) | 3.8163% | 3,339 |
| Net charge-offs to loans | -0.0896% | 4,981 |
| Credit loss provision to net charge-offs | 50.0000% | 2,472 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2832% | 533 |
| Assets per employee ($millions) | 4.3075% | 3,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8430% | 632 |
| Loan loss allowance to noncurrent loans | 23,400.0000% | 40 |
| Noncurrent assets plus other real estate owned to assets | 0.0039% | 4,799 |
| Noncurrent loans to loans | 0.0079% | 4,689 |
| Net loans and leases to total assets | 48.2221% | 4,561 |
| Net loans and leases to deposits | 55.3788% | 4,618 |
| Net loans and leases to core deposits | 57.1252% | 4,675 |
| Total domestic deposits to total assets | 87.0768% | 1,563 |
| Equity capital to assets | 10.3966% | 3,608 |
| Core capital (leverage) ratio | 9.9537% | 3,638 |
| Tier 1 risk-based capital ratio | 15.9840% | 2,420 |
| Total risk-based capital ratio | 17.2350% | 2,361 |
| Memoranda: | ||
| Average total assets | $26,459,330 | 5,183 |
| Average earning assets | $24,597,330 | 5,166 |
| Average equity | $2,620,330 | 5,212 |
| Average total loans | $13,397,670 | 5,119 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2107% | 3,827 |
| Cost of funding earning assets | 0.5324% | 3,907 |
| Net interest margin | 3.6783% | 2,976 |
| Noninterest income to average assets | 0.1196% | 5,015 |
| Noninterest expense to average assets | 2.7796% | 2,642 |
| Loan and lease loss provision to assets | -0.0299% | 5,238 |
| Net operating income to assets | 0.5679% | 4,343 |
| Return on assets (ROA) | 0.5679% | 4,371 |
| Pretax return on assets | 0.7771% | 4,104 |
| Return on Equity (ROE) | 5.8755% | 4,058 |
| Retained earnings to average equity (ytd only) | 5.8755% | 2,506 |
| Net charge-offs to loans | -0.0582% | 4,874 |
| Credit loss provision to net charge-offs | 100.0000% | 1,575 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8136% | 1,178 |
| Assets per employee ($millions) | 4.4093% | 3,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7082% | 846 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 50.2419% | 4,449 |
| Net loans and leases to deposits | 57.4168% | 4,528 |
| Net loans and leases to core deposits | 59.1755% | 4,604 |
| Total domestic deposits to total assets | 87.5038% | 1,568 |
| Equity capital to assets | 9.9826% | 3,847 |
| Core capital (leverage) ratio | 9.7653% | 3,851 |
| Tier 1 risk-based capital ratio | 17.1557% | 2,064 |
| Total risk-based capital ratio | 18.4121% | 2,003 |
| Memoranda: | ||
| Average total assets | $26,766,500 | 5,235 |
| Average earning assets | $24,794,000 | 5,217 |
| Average equity | $2,587,000 | 5,269 |
| Average total loans | $13,748,000 | 5,172 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1999% | 3,445 |
| Cost of funding earning assets | 0.4512% | 3,674 |
| Net interest margin | 3.7487% | 2,863 |
| Noninterest income to average assets | 0.1874% | 4,787 |
| Noninterest expense to average assets | 3.0693% | 1,871 |
| Loan and lease loss provision to assets | -0.3905% | 5,374 |
| Net operating income to assets | 0.7041% | 4,130 |
| Return on assets (ROA) | 0.6795% | 4,208 |
| Pretax return on assets | 0.9489% | 3,763 |
| Return on Equity (ROE) | 7.0674% | 3,803 |
| Retained earnings to average equity (ytd only) | 7.0674% | 1,644 |
| Net charge-offs to loans | 0.1976% | 971 |
| Credit loss provision to net charge-offs | -322.5806% | 4,552 |
| Earnings coverage of net charge-offs (x) | 4.8710% | 3,251 |
| Efficiency ratio | 83.8847% | 661 |
| Assets per employee ($millions) | 3.8681% | 4,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6532% | 921 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 50.7516% | 4,470 |
| Net loans and leases to deposits | 57.4691% | 4,594 |
| Net loans and leases to core deposits | 59.1715% | 4,664 |
| Total domestic deposits to total assets | 88.3111% | 1,155 |
| Equity capital to assets | 9.3548% | 4,264 |
| Core capital (leverage) ratio | 9.0632% | 4,589 |
| Tier 1 risk-based capital ratio | 18.5425% | 1,609 |
| Total risk-based capital ratio | 19.8150% | 1,554 |
| Memoranda: | ||
| Average total assets | $25,608,200 | 5,293 |
| Average earning assets | $23,714,600 | 5,275 |
| Average equity | $2,462,000 | 5,322 |
| Average total loans | $15,690,000 | 5,174 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3857% | 2,669 |
| Cost of funding earning assets | 0.4277% | 3,678 |
| Net interest margin | 3.9580% | 2,094 |
| Noninterest income to average assets | 0.1743% | 4,913 |
| Noninterest expense to average assets | 3.0743% | 1,831 |
| Loan and lease loss provision to assets | -0.2060% | 5,402 |
| Net operating income to assets | 0.7395% | 4,110 |
| Return on assets (ROA) | 0.7395% | 4,118 |
| Pretax return on assets | 0.9720% | 3,811 |
| Return on Equity (ROE) | 7.6367% | 3,693 |
| Retained earnings to average equity (ytd only) | 7.6367% | 1,832 |
| Net charge-offs to loans | 0.2812% | 597 |
| Credit loss provision to net charge-offs | -114.7059% | 4,251 |
| Earnings coverage of net charge-offs (x) | 4.2649% | 3,084 |
| Efficiency ratio | 80.0550% | 935 |
| Assets per employee ($millions) | 3.5801% | 4,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9499% | 535 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 57.9865% | 4,045 |
| Net loans and leases to deposits | 66.3956% | 4,168 |
| Net loans and leases to core deposits | 68.6184% | 4,270 |
| Total domestic deposits to total assets | 87.3349% | 1,582 |
| Equity capital to assets | 9.9557% | 3,694 |
| Core capital (leverage) ratio | 9.4803% | 4,198 |
| Tier 1 risk-based capital ratio | 18.7340% | 1,605 |
| Total risk-based capital ratio | 20.0096% | 1,563 |
| Memoranda: | ||
| Average total assets | $25,241,000 | 5,365 |
| Average earning assets | $23,378,250 | 5,348 |
| Average equity | $2,444,250 | 5,391 |
| Average total loans | $16,119,250 | 5,231 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3732% | 2,502 |
| Cost of funding earning assets | 0.3829% | 3,849 |
| Net interest margin | 3.9904% | 1,895 |
| Noninterest income to average assets | 0.1818% | 4,919 |
| Noninterest expense to average assets | 3.1303% | 1,716 |
| Loan and lease loss provision to assets | 0.0079% | 3,684 |
| Net operating income to assets | 0.5771% | 4,573 |
| Return on assets (ROA) | 0.5771% | 4,568 |
| Pretax return on assets | 0.7510% | 4,388 |
| Return on Equity (ROE) | 6.0148% | 4,237 |
| Retained earnings to average equity (ytd only) | 6.0148% | 2,552 |
| Net charge-offs to loans | 0.5196% | 286 |
| Credit loss provision to net charge-offs | 2.3256% | 2,756 |
| Earnings coverage of net charge-offs (x) | 2.2326% | 2,989 |
| Efficiency ratio | 48.3740% | 5,101 |
| Assets per employee ($millions) | 3.5494% | 4,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9770% | 537 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 63.8574% | 3,421 |
| Net loans and leases to deposits | 72.9203% | 3,638 |
| Net loans and leases to core deposits | 74.3138% | 3,860 |
| Total domestic deposits to total assets | 87.5714% | 1,604 |
| Equity capital to assets | 9.8285% | 3,796 |
| Core capital (leverage) ratio | 9.2078% | 4,454 |
| Tier 1 risk-based capital ratio | 12.3473% | 4,279 |
| Total risk-based capital ratio | 13.6194% | 4,153 |
| Memoranda: | ||
| Average total assets | $25,301,000 | 5,426 |
| Average earning assets | $23,506,670 | 5,410 |
| Average equity | $2,427,330 | 5,453 |
| Average total loans | $16,552,000 | 5,279 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4639% | 1,981 |
| Cost of funding earning assets | 0.3678% | 3,846 |
| Net interest margin | 4.0960% | 1,448 |
| Noninterest income to average assets | 0.1567% | 5,075 |
| Noninterest expense to average assets | 3.0554% | 1,932 |
| Loan and lease loss provision to assets | 0.0157% | 3,327 |
| Net operating income to assets | 0.7364% | 3,960 |
| Return on assets (ROA) | 0.7364% | 3,964 |
| Pretax return on assets | 0.9245% | 3,771 |
| Return on Equity (ROE) | 7.7686% | 3,481 |
| Retained earnings to average equity (ytd only) | 7.7686% | 1,933 |
| Net charge-offs to loans | -0.1195% | 5,265 |
| Credit loss provision to net charge-offs | -20.0000% | 3,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4706% | 1,530 |
| Assets per employee ($millions) | 3.5720% | 4,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2348% | 366 |
| Loan loss allowance to noncurrent loans | 161.4035% | 2,624 |
| Noncurrent assets plus other real estate owned to assets | 0.9119% | 1,738 |
| Noncurrent loans to loans | 1.3846% | 1,289 |
| Net loans and leases to total assets | 64.3857% | 3,261 |
| Net loans and leases to deposits | 73.8249% | 3,427 |
| Net loans and leases to core deposits | 75.2325% | 3,722 |
| Total domestic deposits to total assets | 87.2140% | 2,036 |
| Equity capital to assets | 9.6904% | 3,899 |
| Core capital (leverage) ratio | 8.8077% | 4,884 |
| Tier 1 risk-based capital ratio | 10.4374% | 5,370 |
| Total risk-based capital ratio | 11.7063% | 5,279 |
| Memoranda: | ||
| Average total assets | $25,528,500 | 5,486 |
| Average earning assets | $23,925,500 | 5,465 |
| Average equity | $2,420,000 | 5,513 |
| Average total loans | $16,735,000 | 5,334 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1589% | 2,845 |
| Cost of funding earning assets | 0.3114% | 4,026 |
| Net interest margin | 3.8475% | 2,264 |
| Noninterest income to average assets | 0.1689% | 5,111 |
| Noninterest expense to average assets | 3.0221% | 2,104 |
| Loan and lease loss provision to assets | 0.3452% | 462 |
| Net operating income to assets | -0.0761% | 5,404 |
| Return on assets (ROA) | -0.0808% | 5,409 |
| Pretax return on assets | 0.3782% | 5,114 |
| Return on Equity (ROE) | -0.8828% | 5,420 |
| Retained earnings to average equity (ytd only) | -0.8828% | 5,172 |
| Net charge-offs to loans | 0.1358% | 1,710 |
| Credit loss provision to net charge-offs | 408.6957% | 746 |
| Earnings coverage of net charge-offs (x) | 8.6522% | 2,884 |
| Efficiency ratio | 80.5284% | 1,056 |
| Assets per employee ($millions) | 3.7219% | 4,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1232% | 431 |
| Loan loss allowance to noncurrent loans | 90.0249% | 3,714 |
| Noncurrent assets plus other real estate owned to assets | 1.5392% | 878 |
| Noncurrent loans to loans | 2.3584% | 595 |
| Net loans and leases to total assets | 63.8775% | 3,382 |
| Net loans and leases to deposits | 74.1920% | 3,506 |
| Net loans and leases to core deposits | 75.5630% | 3,770 |
| Total domestic deposits to total assets | 86.0976% | 2,389 |
| Equity capital to assets | 9.2772% | 4,452 |
| Core capital (leverage) ratio | 8.4345% | 5,192 |
| Tier 1 risk-based capital ratio | 11.0357% | 5,124 |
| Total risk-based capital ratio | 12.3040% | 4,999 |
| Memoranda: | ||
| Average total assets | $27,232,600 | 5,529 |
| Average earning assets | $25,367,400 | 5,505 |
| Average equity | $2,492,200 | 5,573 |
| Average total loans | $16,939,600 | 5,391 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1606% | 2,751 |
| Cost of funding earning assets | 0.2972% | 4,162 |
| Net interest margin | 3.8635% | 2,173 |
| Noninterest income to average assets | 0.1744% | 5,142 |
| Noninterest expense to average assets | 2.9449% | 2,265 |
| Loan and lease loss provision to assets | 0.4456% | 289 |
| Net operating income to assets | 0.2993% | 5,215 |
| Return on assets (ROA) | 0.2955% | 5,247 |
| Pretax return on assets | 0.3681% | 5,234 |
| Return on Equity (ROE) | 3.2389% | 5,053 |
| Retained earnings to average equity (ytd only) | 3.2389% | 3,999 |
| Net charge-offs to loans | 0.1812% | 1,162 |
| Credit loss provision to net charge-offs | 400.0000% | 766 |
| Earnings coverage of net charge-offs (x) | 7.3469% | 2,884 |
| Efficiency ratio | 78.2497% | 1,299 |
| Assets per employee ($millions) | 4.5615% | 3,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1370% | 450 |
| Loan loss allowance to noncurrent loans | 130.0725% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 1.0084% | 1,682 |
| Noncurrent loans to loans | 1.6430% | 1,121 |
| Net loans and leases to total assets | 60.0680% | 3,855 |
| Net loans and leases to deposits | 67.9901% | 4,114 |
| Net loans and leases to core deposits | 69.2152% | 4,294 |
| Total domestic deposits to total assets | 88.3481% | 1,199 |
| Equity capital to assets | 9.2440% | 4,691 |
| Core capital (leverage) ratio | 8.4243% | 5,298 |
| Tier 1 risk-based capital ratio | 11.1285% | 5,173 |
| Total risk-based capital ratio | 12.3939% | 5,056 |
| Memoranda: | ||
| Average total assets | $27,527,500 | 5,587 |
| Average earning assets | $25,572,250 | 5,562 |
| Average equity | $2,511,000 | 5,633 |
| Average total loans | $16,923,750 | 5,452 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9445% | 3,392 |
| Cost of funding earning assets | 0.2734% | 4,346 |
| Net interest margin | 3.6711% | 2,752 |
| Noninterest income to average assets | 0.1668% | 5,225 |
| Noninterest expense to average assets | 2.9296% | 2,327 |
| Loan and lease loss provision to assets | 0.2320% | 740 |
| Net operating income to assets | 0.3458% | 5,109 |
| Return on assets (ROA) | 0.3336% | 5,165 |
| Pretax return on assets | 0.3988% | 5,177 |
| Return on Equity (ROE) | 3.6731% | 4,925 |
| Retained earnings to average equity (ytd only) | 3.6731% | 3,515 |
| Net charge-offs to loans | 0.3065% | 662 |
| Credit loss provision to net charge-offs | 123.0769% | 1,756 |
| Earnings coverage of net charge-offs (x) | 3.4231% | 3,051 |
| Efficiency ratio | 81.9473% | 1,010 |
| Assets per employee ($millions) | 3.4776% | 4,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7258% | 1,011 |
| Loan loss allowance to noncurrent loans | 44.5113% | 4,708 |
| Noncurrent assets plus other real estate owned to assets | 2.3903% | 474 |
| Noncurrent loans to loans | 3.8773% | 259 |
| Net loans and leases to total assets | 60.5837% | 3,783 |
| Net loans and leases to deposits | 68.4106% | 4,030 |
| Net loans and leases to core deposits | 69.6200% | 4,248 |
| Total domestic deposits to total assets | 88.5590% | 1,170 |
| Equity capital to assets | 9.0543% | 4,850 |
| Core capital (leverage) ratio | 8.5435% | 5,183 |
| Tier 1 risk-based capital ratio | 10.6161% | 5,418 |
| Total risk-based capital ratio | 11.8756% | 5,339 |
| Memoranda: | ||
| Average total assets | $27,580,330 | 5,630 |
| Average earning assets | $25,605,330 | 5,606 |
| Average equity | $2,504,670 | 5,679 |
| Average total loans | $16,965,330 | 5,494 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8489% | 3,585 |
| Cost of funding earning assets | 0.2660% | 4,396 |
| Net interest margin | 3.5830% | 2,949 |
| Noninterest income to average assets | 0.1311% | 5,460 |
| Noninterest expense to average assets | 2.5492% | 3,661 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6846% | 3,768 |
| Return on assets (ROA) | 0.6846% | 3,804 |
| Pretax return on assets | 0.9177% | 3,697 |
| Return on Equity (ROE) | 7.5275% | 3,157 |
| Retained earnings to average equity (ytd only) | 7.5275% | 1,642 |
| Net charge-offs to loans | 0.7112% | 246 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 2.1000% | 2,641 |
| Efficiency ratio | 73.5294% | 2,314 |
| Assets per employee ($millions) | 3.9789% | 4,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5346% | 1,564 |
| Loan loss allowance to noncurrent loans | 67.3575% | 4,258 |
| Noncurrent assets plus other real estate owned to assets | 1.3859% | 1,208 |
| Noncurrent loans to loans | 2.2784% | 729 |
| Net loans and leases to total assets | 59.8952% | 3,797 |
| Net loans and leases to deposits | 67.5631% | 4,031 |
| Net loans and leases to core deposits | 68.7521% | 4,241 |
| Total domestic deposits to total assets | 88.6507% | 1,346 |
| Equity capital to assets | 9.0155% | 4,791 |
| Core capital (leverage) ratio | 8.4014% | 5,305 |
| Tier 1 risk-based capital ratio | 11.0821% | 5,264 |
| Total risk-based capital ratio | 12.3375% | 5,165 |
| Memoranda: | ||
| Average total assets | $27,460,000 | 5,698 |
| Average earning assets | $25,565,500 | 5,678 |
| Average equity | $2,497,500 | 5,742 |
| Average total loans | $16,872,500 | 5,553 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8109% | 872 |
| Cost of funding earning assets | 0.2877% | 4,192 |
| Net interest margin | 4.5232% | 594 |
| Noninterest income to average assets | -0.0982% | 5,889 |
| Noninterest expense to average assets | 3.9085% | 680 |
| Loan and lease loss provision to assets | -0.1091% | 5,698 |
| Net operating income to assets | 0.1345% | 5,518 |
| Return on assets (ROA) | 0.1345% | 5,550 |
| Pretax return on assets | 0.2181% | 5,479 |
| Return on Equity (ROE) | 1.4662% | 5,493 |
| Retained earnings to average equity (ytd only) | 1.4662% | 4,673 |
| Net charge-offs to loans | 0.1310% | 1,932 |
| Credit loss provision to net charge-offs | -125.0000% | 4,924 |
| Earnings coverage of net charge-offs (x) | 1.2500% | 4,015 |
| Efficiency ratio | 97.2851% | 276 |
| Assets per employee ($millions) | 3.3835% | 4,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7199% | 1,100 |
| Loan loss allowance to noncurrent loans | 996.5517% | 610 |
| Noncurrent assets plus other real estate owned to assets | 0.1552% | 4,700 |
| Noncurrent loans to loans | 0.1726% | 4,544 |
| Net loans and leases to total assets | 61.0093% | 3,730 |
| Net loans and leases to deposits | 69.0240% | 4,005 |
| Net loans and leases to core deposits | 70.2783% | 4,217 |
| Total domestic deposits to total assets | 88.3885% | 1,444 |
| Equity capital to assets | 9.1769% | 4,607 |
| Core capital (leverage) ratio | 8.4711% | 5,288 |
| Tier 1 risk-based capital ratio | 12.7758% | 4,217 |
| Total risk-based capital ratio | 14.0311% | 4,102 |
| Memoranda: | ||
| Average total assets | $27,504,200 | 5,752 |
| Average earning assets | $25,026,600 | 5,732 |
| Average equity | $2,523,600 | 5,799 |
| Average total loans | $18,316,600 | 5,567 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1106% | 488 |
| Cost of funding earning assets | 0.2997% | 4,102 |
| Net interest margin | 4.8110% | 355 |
| Noninterest income to average assets | 0.1690% | 5,423 |
| Noninterest expense to average assets | 3.9883% | 599 |
| Loan and lease loss provision to assets | -0.1449% | 5,835 |
| Net operating income to assets | 0.4780% | 4,774 |
| Return on assets (ROA) | 0.4780% | 4,861 |
| Pretax return on assets | 0.6663% | 4,698 |
| Return on Equity (ROE) | 5.2102% | 4,427 |
| Retained earnings to average equity (ytd only) | 5.2102% | 2,687 |
| Net charge-offs to loans | 0.1855% | 1,258 |
| Credit loss provision to net charge-offs | -115.3846% | 4,773 |
| Earnings coverage of net charge-offs (x) | 4.1534% | 3,309 |
| Efficiency ratio | 88.4368% | 650 |
| Assets per employee ($millions) | 3.3315% | 5,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6751% | 1,271 |
| Loan loss allowance to noncurrent loans | 956.6667% | 606 |
| Noncurrent assets plus other real estate owned to assets | 0.5553% | 3,242 |
| Noncurrent loans to loans | 0.1751% | 4,647 |
| Net loans and leases to total assets | 63.2073% | 3,496 |
| Net loans and leases to deposits | 72.0623% | 3,799 |
| Net loans and leases to core deposits | 73.5537% | 4,033 |
| Total domestic deposits to total assets | 87.7120% | 1,550 |
| Equity capital to assets | 9.6090% | 4,548 |
| Core capital (leverage) ratio | 8.8400% | 5,013 |
| Tier 1 risk-based capital ratio | 12.4293% | 4,519 |
| Total risk-based capital ratio | 13.6905% | 4,408 |
| Memoranda: | ||
| Average total assets | $27,613,250 | 5,815 |
| Average earning assets | $24,914,750 | 5,796 |
| Average equity | $2,533,500 | 5,862 |
| Average total loans | $18,695,000 | 5,608 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5601% | 232 |
| Cost of funding earning assets | 0.2956% | 4,185 |
| Net interest margin | 5.2645% | 155 |
| Noninterest income to average assets | 0.2434% | 5,023 |
| Noninterest expense to average assets | 3.9451% | 635 |
| Loan and lease loss provision to assets | -0.2148% | 5,940 |
| Net operating income to assets | 0.8091% | 3,268 |
| Return on assets (ROA) | 0.8091% | 3,398 |
| Pretax return on assets | 1.2315% | 2,664 |
| Return on Equity (ROE) | 8.9529% | 2,515 |
| Retained earnings to average equity (ytd only) | 8.9529% | 865 |
| Net charge-offs to loans | -0.1249% | 5,690 |
| Credit loss provision to net charge-offs | 250.0000% | 1,099 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5094% | 1,557 |
| Assets per employee ($millions) | 3.3753% | 4,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4553% | 2,047 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4370% | 3,763 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 70.4689% | 2,408 |
| Net loans and leases to deposits | 79.9026% | 2,940 |
| Net loans and leases to core deposits | 81.5253% | 3,317 |
| Total domestic deposits to total assets | 88.1935% | 1,327 |
| Equity capital to assets | 9.5215% | 4,749 |
| Core capital (leverage) ratio | 8.9114% | 4,927 |
| Tier 1 risk-based capital ratio | 11.3871% | 5,227 |
| Total risk-based capital ratio | 12.6463% | 5,112 |
| Memoranda: | ||
| Average total assets | $27,933,670 | 5,882 |
| Average earning assets | $25,035,670 | 5,866 |
| Average equity | $2,524,330 | 5,935 |
| Average total loans | $19,215,670 | 5,662 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5347% | 75 |
| Cost of funding earning assets | 0.2970% | 4,194 |
| Net interest margin | 6.2377% | 60 |
| Noninterest income to average assets | 0.2535% | 4,931 |
| Noninterest expense to average assets | 3.7747% | 804 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.5634% | 761 |
| Return on assets (ROA) | 1.5634% | 795 |
| Pretax return on assets | 2.0986% | 465 |
| Return on Equity (ROE) | 17.7529% | 378 |
| Retained earnings to average equity (ytd only) | 17.7529% | 134 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2686% | 4,080 |
| Assets per employee ($millions) | 3.3741% | 5,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5062% | 1,954 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9299% | 2,382 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 71.2222% | 2,148 |
| Net loans and leases to deposits | 80.7671% | 2,697 |
| Net loans and leases to core deposits | 80.7671% | 3,256 |
| Total domestic deposits to total assets | 88.1821% | 1,542 |
| Equity capital to assets | 9.5062% | 4,665 |
| Core capital (leverage) ratio | 8.4487% | 5,441 |
| Tier 1 risk-based capital ratio | 13.2349% | 4,129 |
| Total risk-based capital ratio | 14.5057% | 4,044 |
| Memoranda: | ||
| Average total assets | $28,399,500 | 5,932 |
| Average earning assets | $25,586,500 | 5,921 |
| Average equity | $2,501,000 | 5,993 |
| Average total loans | $19,169,000 | 5,712 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0196% | 3,240 |
| Cost of funding earning assets | 0.3392% | 3,801 |
| Net interest margin | 3.6804% | 2,826 |
| Noninterest income to average assets | 0.0658% | 5,963 |
| Noninterest expense to average assets | 3.3324% | 1,641 |
| Loan and lease loss provision to assets | -0.2771% | 6,046 |
| Net operating income to assets | 0.1995% | 5,577 |
| Return on assets (ROA) | 0.2044% | 5,627 |
| Pretax return on assets | 0.2875% | 5,542 |
| Return on Equity (ROE) | 2.4608% | 5,465 |
| Retained earnings to average equity (ytd only) | 2.4608% | 4,320 |
| Net charge-offs to loans | 0.0503% | 3,200 |
| Credit loss provision to net charge-offs | -888.8889% | 5,545 |
| Earnings coverage of net charge-offs (x) | 0.1111% | 4,259 |
| Efficiency ratio | 99.8962% | 284 |
| Assets per employee ($millions) | 3.7258% | 4,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8226% | 1,096 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3959% | 4,012 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 61.9875% | 3,568 |
| Net loans and leases to deposits | 69.1364% | 4,013 |
| Net loans and leases to core deposits | 69.1364% | 4,365 |
| Total domestic deposits to total assets | 89.6598% | 772 |
| Equity capital to assets | 8.1729% | 5,774 |
| Core capital (leverage) ratio | 8.0441% | 5,814 |
| Tier 1 risk-based capital ratio | 13.5838% | 3,962 |
| Total risk-based capital ratio | 14.8629% | 3,873 |
| Memoranda: | ||
| Average total assets | $28,868,000 | 5,978 |
| Average earning assets | $25,649,400 | 5,975 |
| Average equity | $2,397,600 | 6,060 |
| Average total loans | $17,909,800 | 5,796 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0360% | 3,187 |
| Cost of funding earning assets | 0.3368% | 3,902 |
| Net interest margin | 3.6992% | 2,776 |
| Noninterest income to average assets | 0.0046% | 6,183 |
| Noninterest expense to average assets | 3.4132% | 1,454 |
| Loan and lease loss provision to assets | -0.1863% | 6,089 |
| Net operating income to assets | 0.0341% | 5,907 |
| Return on assets (ROA) | 0.0373% | 5,949 |
| Pretax return on assets | 0.0559% | 5,930 |
| Return on Equity (ROE) | 0.4468% | 5,931 |
| Retained earnings to average equity (ytd only) | 0.4468% | 5,493 |
| Net charge-offs to loans | 0.0830% | 2,359 |
| Credit loss provision to net charge-offs | -363.6364% | 5,306 |
| Earnings coverage of net charge-offs (x) | -2.6360% | 4,091 |
| Efficiency ratio | 104.1193% | 208 |
| Assets per employee ($millions) | 3.3678% | 5,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0124% | 901 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4343% | 4,046 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 68.8590% | 2,550 |
| Net loans and leases to deposits | 78.1795% | 3,083 |
| Net loans and leases to core deposits | 78.1795% | 3,596 |
| Total domestic deposits to total assets | 88.0781% | 1,517 |
| Equity capital to assets | 8.8561% | 5,435 |
| Core capital (leverage) ratio | 7.7032% | 6,011 |
| Tier 1 risk-based capital ratio | 14.3404% | 3,661 |
| Total risk-based capital ratio | 15.6087% | 3,566 |
| Memoranda: | ||
| Average total assets | $28,633,500 | 6,062 |
| Average earning assets | $25,338,000 | 6,062 |
| Average equity | $2,388,000 | 6,145 |
| Average total loans | $17,682,500 | 5,871 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8491% | 3,875 |
| Cost of funding earning assets | 0.3492% | 3,815 |
| Net interest margin | 3.4999% | 3,499 |
| Noninterest income to average assets | 0.3356% | 4,558 |
| Noninterest expense to average assets | 3.3359% | 1,615 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.0616% | 5,920 |
| Return on assets (ROA) | 0.0616% | 5,960 |
| Pretax return on assets | 0.0890% | 5,940 |
| Return on Equity (ROE) | 0.7536% | 5,931 |
| Retained earnings to average equity (ytd only) | 0.7536% | 5,252 |
| Net charge-offs to loans | 0.2780% | 949 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 0.5417% | 3,643 |
| Efficiency ratio | 97.4000% | 396 |
| Assets per employee ($millions) | 3.5970% | 4,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2298% | 706 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3310% | 1,888 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 62.1699% | 3,522 |
| Net loans and leases to deposits | 69.9922% | 3,935 |
| Net loans and leases to core deposits | 69.9922% | 4,327 |
| Total domestic deposits to total assets | 88.8240% | 1,236 |
| Equity capital to assets | 8.2916% | 5,836 |
| Core capital (leverage) ratio | 7.7188% | 6,034 |
| Tier 1 risk-based capital ratio | 14.8831% | 3,424 |
| Total risk-based capital ratio | 16.1514% | 3,346 |
| Memoranda: | ||
| Average total assets | $29,197,330 | 6,121 |
| Average earning assets | $25,772,330 | 6,116 |
| Average equity | $2,388,670 | 6,216 |
| Average total loans | $17,265,670 | 5,949 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7688% | 4,135 |
| Cost of funding earning assets | 0.3398% | 3,986 |
| Net interest margin | 3.4290% | 3,723 |
| Noninterest income to average assets | 0.4353% | 3,726 |
| Noninterest expense to average assets | 3.2916% | 1,736 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1088% | 5,856 |
| Return on assets (ROA) | 0.1088% | 5,915 |
| Pretax return on assets | 0.1632% | 5,876 |
| Return on Equity (ROE) | 1.3389% | 5,845 |
| Retained earnings to average equity (ytd only) | 1.3389% | 4,949 |
| Net charge-offs to loans | -0.0239% | 5,129 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2756% | 532 |
| Assets per employee ($millions) | 3.7110% | 4,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5970% | 463 |
| Loan loss allowance to noncurrent loans | 386.6071% | 1,244 |
| Noncurrent assets plus other real estate owned to assets | 1.7684% | 1,388 |
| Noncurrent loans to loans | 0.6717% | 3,607 |
| Net loans and leases to total assets | 54.7022% | 4,347 |
| Net loans and leases to deposits | 61.3965% | 4,632 |
| Net loans and leases to core deposits | 61.3965% | 4,881 |
| Total domestic deposits to total assets | 89.0966% | 1,204 |
| Equity capital to assets | 8.0302% | 6,020 |
| Core capital (leverage) ratio | 7.6489% | 6,091 |
| Tier 1 risk-based capital ratio | 16.2279% | 2,811 |
| Total risk-based capital ratio | 17.5142% | 2,736 |
| Memoranda: | ||
| Average total assets | $29,408,000 | 6,183 |
| Average earning assets | $25,897,000 | 6,178 |
| Average equity | $2,390,000 | 6,278 |
| Average total loans | $16,749,500 | 6,029 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9720% | 3,830 |
| Cost of funding earning assets | 0.4743% | 2,940 |
| Net interest margin | 3.4978% | 3,809 |
| Noninterest income to average assets | 0.3497% | 4,604 |
| Noninterest expense to average assets | 3.2221% | 2,156 |
| Loan and lease loss provision to assets | -0.5398% | 6,451 |
| Net operating income to assets | 0.4201% | 5,153 |
| Return on assets (ROA) | -0.2411% | 6,219 |
| Pretax return on assets | 0.0136% | 6,079 |
| Return on Equity (ROE) | -3.0964% | 6,252 |
| Retained earnings to average equity (ytd only) | -3.0964% | 6,095 |
| Net charge-offs to loans | 0.8256% | 416 |
| Credit loss provision to net charge-offs | -116.9118% | 5,552 |
| Earnings coverage of net charge-offs (x) | 0.2868% | 4,671 |
| Efficiency ratio | 96.0526% | 501 |
| Assets per employee ($millions) | 3.6410% | 4,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5615% | 507 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.8539% | 1,401 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 56.2860% | 4,295 |
| Net loans and leases to deposits | 63.3476% | 4,596 |
| Net loans and leases to core deposits | 63.3476% | 4,886 |
| Total domestic deposits to total assets | 88.8527% | 1,323 |
| Equity capital to assets | 8.2258% | 5,948 |
| Core capital (leverage) ratio | 7.0896% | 6,300 |
| Tier 1 risk-based capital ratio | 15.3534% | 3,291 |
| Total risk-based capital ratio | 16.6304% | 3,229 |
| Memoranda: | ||
| Average total assets | $29,453,000 | 6,259 |
| Average earning assets | $25,301,800 | 6,271 |
| Average equity | $2,293,000 | 6,374 |
| Average total loans | $16,472,000 | 6,105 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7377% | 4,749 |
| Cost of funding earning assets | 0.5083% | 2,679 |
| Net interest margin | 3.2294% | 4,862 |
| Noninterest income to average assets | 0.3341% | 4,766 |
| Noninterest expense to average assets | 3.6567% | 1,204 |
| Loan and lease loss provision to assets | -0.1354% | 6,333 |
| Net operating income to assets | -0.2347% | 6,283 |
| Return on assets (ROA) | -0.2347% | 6,284 |
| Pretax return on assets | -0.4334% | 6,336 |
| Return on Equity (ROE) | -3.0579% | 6,318 |
| Retained earnings to average equity (ytd only) | -3.0579% | 6,149 |
| Net charge-offs to loans | 1.1149% | 259 |
| Credit loss provision to net charge-offs | -21.8978% | 5,284 |
| Earnings coverage of net charge-offs (x) | -0.9197% | 4,523 |
| Efficiency ratio | 118.4211% | 139 |
| Assets per employee ($millions) | 3.7115% | 4,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2055% | 292 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.5324% | 2,006 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 56.8503% | 4,222 |
| Net loans and leases to deposits | 63.5901% | 4,588 |
| Net loans and leases to core deposits | 63.5901% | 4,915 |
| Total domestic deposits to total assets | 89.4012% | 1,026 |
| Equity capital to assets | 7.5576% | 6,293 |
| Core capital (leverage) ratio | 6.0116% | 6,482 |
| Tier 1 risk-based capital ratio | 10.5808% | 6,181 |
| Total risk-based capital ratio | 11.8161% | 6,130 |
| Memoranda: | ||
| Average total assets | $29,534,250 | 6,332 |
| Average earning assets | $25,184,250 | 6,349 |
| Average equity | $2,267,250 | 6,450 |
| Average total loans | $16,383,500 | 6,171 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6541% | 4,992 |
| Cost of funding earning assets | 0.5175% | 2,656 |
| Net interest margin | 3.1367% | 5,138 |
| Noninterest income to average assets | 0.4274% | 4,042 |
| Noninterest expense to average assets | 3.2970% | 1,934 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.0882% | 6,249 |
| Return on assets (ROA) | -0.0882% | 6,264 |
| Pretax return on assets | -0.1967% | 6,311 |
| Return on Equity (ROE) | -1.1429% | 6,282 |
| Retained earnings to average equity (ytd only) | -1.1429% | 5,873 |
| Net charge-offs to loans | 1.7091% | 142 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -0.2117% | 4,151 |
| Efficiency ratio | 106.3457% | 286 |
| Assets per employee ($millions) | 3.6428% | 4,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6498% | 224 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.0520% | 1,544 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 53.3560% | 4,611 |
| Net loans and leases to deposits | 59.8591% | 4,879 |
| Net loans and leases to core deposits | 59.8591% | 5,135 |
| Total domestic deposits to total assets | 89.1360% | 1,284 |
| Equity capital to assets | 7.8341% | 6,239 |
| Core capital (leverage) ratio | 6.3955% | 6,501 |
| Tier 1 risk-based capital ratio | 11.2843% | 5,911 |
| Total risk-based capital ratio | 12.4984% | 5,875 |
| Memoranda: | ||
| Average total assets | $29,481,670 | 6,392 |
| Average earning assets | $25,122,330 | 6,407 |
| Average equity | $2,275,000 | 6,508 |
| Average total loans | $16,031,670 | 6,242 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5911% | 5,196 |
| Cost of funding earning assets | 0.5355% | 2,548 |
| Net interest margin | 3.0556% | 5,374 |
| Noninterest income to average assets | -0.1889% | 6,683 |
| Noninterest expense to average assets | 3.3725% | 1,774 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.5126% | 6,475 |
| Return on assets (ROA) | -0.5126% | 6,473 |
| Pretax return on assets | -0.9443% | 6,552 |
| Return on Equity (ROE) | -6.6931% | 6,509 |
| Retained earnings to average equity (ytd only) | -6.6931% | 6,224 |
| Net charge-offs to loans | 3.5297% | 48 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -0.4965% | 3,475 |
| Efficiency ratio | 138.8889% | 91 |
| Assets per employee ($millions) | 3.6769% | 4,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7108% | 232 |
| Loan loss allowance to noncurrent loans | 286.7647% | 1,548 |
| Noncurrent assets plus other real estate owned to assets | 2.4817% | 1,293 |
| Noncurrent loans to loans | 1.2940% | 2,864 |
| Net loans and leases to total assets | 51.6063% | 4,718 |
| Net loans and leases to deposits | 57.7626% | 4,967 |
| Net loans and leases to core deposits | 57.7626% | 5,220 |
| Total domestic deposits to total assets | 89.3422% | 1,450 |
| Equity capital to assets | 7.6628% | 6,246 |
| Core capital (leverage) ratio | 6.0933% | 6,573 |
| Tier 1 risk-based capital ratio | 11.4048% | 5,963 |
| Total risk-based capital ratio | 12.6536% | 5,917 |
| Memoranda: | ||
| Average total assets | $29,651,500 | 6,455 |
| Average earning assets | $25,396,000 | 6,472 |
| Average equity | $2,271,000 | 6,570 |
| Average total loans | $15,978,500 | 6,307 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2155% | 3,287 |
| Cost of funding earning assets | 0.5891% | 2,761 |
| Net interest margin | 3.6264% | 3,351 |
| Noninterest income to average assets | 0.6104% | 3,025 |
| Noninterest expense to average assets | 2.7876% | 3,771 |
| Loan and lease loss provision to assets | 0.0170% | 4,792 |
| Net operating income to assets | 0.5528% | 4,491 |
| Return on assets (ROA) | 0.5596% | 4,579 |
| Pretax return on assets | 0.9021% | 3,758 |
| Return on Equity (ROE) | 7.5446% | 3,271 |
| Retained earnings to average equity (ytd only) | 7.5446% | 1,214 |
| Net charge-offs to loans | 1.3509% | 370 |
| Credit loss provision to net charge-offs | 2.2026% | 4,681 |
| Earnings coverage of net charge-offs (x) | 1.1850% | 4,672 |
| Efficiency ratio | 75.3437% | 2,889 |
| Assets per employee ($millions) | 3.7360% | 4,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4837% | 138 |
| Loan loss allowance to noncurrent loans | 159.5604% | 2,537 |
| Noncurrent assets plus other real estate owned to assets | 3.7507% | 737 |
| Noncurrent loans to loans | 2.8100% | 1,256 |
| Net loans and leases to total assets | 51.7465% | 4,887 |
| Net loans and leases to deposits | 58.2436% | 5,103 |
| Net loans and leases to core deposits | 58.2436% | 5,374 |
| Total domestic deposits to total assets | 88.8450% | 1,727 |
| Equity capital to assets | 7.6552% | 6,204 |
| Core capital (leverage) ratio | 5.9020% | 6,660 |
| Tier 1 risk-based capital ratio | 11.0060% | 6,168 |
| Total risk-based capital ratio | 12.2498% | 6,120 |
| Memoranda: | ||
| Average total assets | $29,487,600 | 6,524 |
| Average earning assets | $25,121,400 | 6,546 |
| Average equity | $2,187,000 | 6,661 |
| Average total loans | $16,803,400 | 6,331 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2708% | 3,108 |
| Cost of funding earning assets | 0.6025% | 2,787 |
| Net interest margin | 3.6683% | 3,160 |
| Noninterest income to average assets | 0.6488% | 2,887 |
| Noninterest expense to average assets | 3.0443% | 2,844 |
| Loan and lease loss provision to assets | 0.0227% | 4,552 |
| Net operating income to assets | 0.4446% | 5,045 |
| Return on assets (ROA) | 0.4446% | 5,190 |
| Pretax return on assets | 0.7032% | 4,678 |
| Return on Equity (ROE) | 6.0442% | 4,167 |
| Retained earnings to average equity (ytd only) | 6.0442% | 2,381 |
| Net charge-offs to loans | 0.0078% | 5,005 |
| Credit loss provision to net charge-offs | 500.0000% | 545 |
| Earnings coverage of net charge-offs (x) | 160.3985% | 350 |
| Efficiency ratio | 80.7461% | 2,005 |
| Assets per employee ($millions) | 3.7528% | 4,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9149% | 59 |
| Loan loss allowance to noncurrent loans | 341.2186% | 1,237 |
| Noncurrent assets plus other real estate owned to assets | 3.3542% | 1,038 |
| Noncurrent loans to loans | 1.7335% | 2,594 |
| Net loans and leases to total assets | 50.4397% | 5,088 |
| Net loans and leases to deposits | 56.7600% | 5,307 |
| Net loans and leases to core deposits | 56.7600% | 5,557 |
| Total domestic deposits to total assets | 88.8648% | 1,635 |
| Equity capital to assets | 7.4246% | 6,418 |
| Core capital (leverage) ratio | 5.5973% | 6,754 |
| Tier 1 risk-based capital ratio | 9.3200% | 6,700 |
| Total risk-based capital ratio | 10.6254% | 6,673 |
| Memoranda: | ||
| Average total assets | $29,387,500 | 6,605 |
| Average earning assets | $25,006,500 | 6,627 |
| Average equity | $2,161,750 | 6,747 |
| Average total loans | $16,956,250 | 6,391 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3540% | 2,744 |
| Cost of funding earning assets | 0.6277% | 2,703 |
| Net interest margin | 3.7263% | 2,865 |
| Noninterest income to average assets | 0.5964% | 3,217 |
| Noninterest expense to average assets | 3.0779% | 2,733 |
| Loan and lease loss provision to assets | 0.0343% | 4,257 |
| Net operating income to assets | 0.4319% | 5,099 |
| Return on assets (ROA) | 0.4319% | 5,256 |
| Pretax return on assets | 0.6581% | 4,822 |
| Return on Equity (ROE) | 5.8897% | 4,234 |
| Retained earnings to average equity (ytd only) | 5.8897% | 2,497 |
| Net charge-offs to loans | -0.0696% | 6,380 |
| Credit loss provision to net charge-offs | -83.3333% | 5,590 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6364% | 1,939 |
| Assets per employee ($millions) | 3.4873% | 4,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7223% | 78 |
| Loan loss allowance to noncurrent loans | 351.2821% | 1,199 |
| Noncurrent assets plus other real estate owned to assets | 3.8318% | 945 |
| Noncurrent loans to loans | 1.6290% | 2,867 |
| Net loans and leases to total assets | 56.6349% | 4,190 |
| Net loans and leases to deposits | 64.1598% | 4,481 |
| Net loans and leases to core deposits | 64.1598% | 4,875 |
| Total domestic deposits to total assets | 88.2716% | 2,061 |
| Equity capital to assets | 7.8679% | 6,283 |
| Core capital (leverage) ratio | 5.5161% | 6,794 |
| Tier 1 risk-based capital ratio | 7.1061% | 6,841 |
| Total risk-based capital ratio | 8.1309% | 6,855 |
| Memoranda: | ||
| Average total assets | $29,176,000 | 6,664 |
| Average earning assets | $24,850,670 | 6,680 |
| Average equity | $2,139,330 | 6,800 |
| Average total loans | $17,243,330 | 6,416 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3106% | 2,854 |
| Cost of funding earning assets | 0.7184% | 2,073 |
| Net interest margin | 3.5922% | 3,294 |
| Noninterest income to average assets | 0.6574% | 2,831 |
| Noninterest expense to average assets | 2.8576% | 3,513 |
| Loan and lease loss provision to assets | 0.0671% | 3,516 |
| Net operating income to assets | 0.5098% | 4,606 |
| Return on assets (ROA) | 0.5098% | 4,754 |
| Pretax return on assets | 0.8184% | 4,099 |
| Return on Equity (ROE) | 7.1987% | 3,384 |
| Retained earnings to average equity (ytd only) | 7.1987% | 2,071 |
| Net charge-offs to loans | 0.0458% | 3,387 |
| Credit loss provision to net charge-offs | 250.0000% | 920 |
| Earnings coverage of net charge-offs (x) | 33.0000% | 913 |
| Efficiency ratio | 76.3441% | 2,872 |
| Assets per employee ($millions) | 3.6994% | 4,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5549% | 99 |
| Loan loss allowance to noncurrent loans | 872.4771% | 536 |
| Noncurrent assets plus other real estate owned to assets | 3.0917% | 1,431 |
| Noncurrent loans to loans | 0.6367% | 4,854 |
| Net loans and leases to total assets | 54.6342% | 4,310 |
| Net loans and leases to deposits | 62.4503% | 4,482 |
| Net loans and leases to core deposits | 62.4503% | 4,912 |
| Total domestic deposits to total assets | 87.4844% | 2,639 |
| Equity capital to assets | 7.2005% | 6,675 |
| Core capital (leverage) ratio | 4.9053% | 6,883 |
| Tier 1 risk-based capital ratio | 9.0975% | 6,805 |
| Total risk-based capital ratio | 10.4065% | 6,792 |
| Memoranda: | ||
| Average total assets | $29,815,000 | 6,712 |
| Average earning assets | $25,611,000 | 6,730 |
| Average equity | $2,111,500 | 6,867 |
| Average total loans | $17,485,500 | 6,465 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9752% | 1,631 |
| Cost of funding earning assets | 0.9308% | 1,758 |
| Net interest margin | 4.0444% | 2,219 |
| Noninterest income to average assets | 0.7335% | 2,570 |
| Noninterest expense to average assets | 3.0472% | 3,104 |
| Loan and lease loss provision to assets | 0.7575% | 662 |
| Net operating income to assets | 0.1954% | 5,795 |
| Return on assets (ROA) | 0.1954% | 5,969 |
| Pretax return on assets | 0.2948% | 5,828 |
| Return on Equity (ROE) | 2.8370% | 5,619 |
| Retained earnings to average equity (ytd only) | 2.8370% | 4,240 |
| Net charge-offs to loans | 1.3770% | 674 |
| Credit loss provision to net charge-offs | 87.6984% | 3,563 |
| Earnings coverage of net charge-offs (x) | 1.2183% | 4,848 |
| Efficiency ratio | 74.3311% | 3,016 |
| Assets per employee ($millions) | 4.2907% | 3,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3106% | 107 |
| Loan loss allowance to noncurrent loans | 326.8966% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 3.1863% | 1,460 |
| Noncurrent loans to loans | 1.6246% | 3,191 |
| Net loans and leases to total assets | 56.2777% | 4,242 |
| Net loans and leases to deposits | 65.2953% | 4,386 |
| Net loans and leases to core deposits | 65.2953% | 4,808 |
| Total domestic deposits to total assets | 86.1894% | 3,258 |
| Equity capital to assets | 6.9652% | 6,779 |
| Core capital (leverage) ratio | 4.5687% | 6,956 |
| Tier 1 risk-based capital ratio | 8.9092% | 6,859 |
| Total risk-based capital ratio | 10.2236% | 6,853 |
| Memoranda: | ||
| Average total assets | $29,174,000 | 6,772 |
| Average earning assets | $24,280,400 | 6,808 |
| Average equity | $2,009,200 | 6,947 |
| Average total loans | $18,300,000 | 6,499 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1418% | 1,324 |
| Cost of funding earning assets | 0.9714% | 1,732 |
| Net interest margin | 4.1704% | 1,829 |
| Noninterest income to average assets | 0.7965% | 2,257 |
| Noninterest expense to average assets | 2.9513% | 3,403 |
| Loan and lease loss provision to assets | 0.9715% | 429 |
| Net operating income to assets | 0.2072% | 5,897 |
| Return on assets (ROA) | 0.2072% | 6,064 |
| Pretax return on assets | 0.3131% | 5,929 |
| Return on Equity (ROE) | 3.0173% | 5,674 |
| Retained earnings to average equity (ytd only) | 3.0173% | 4,742 |
| Net charge-offs to loans | 1.2962% | 726 |
| Credit loss provision to net charge-offs | 117.8771% | 2,460 |
| Earnings coverage of net charge-offs (x) | 1.5587% | 4,501 |
| Efficiency ratio | 69.6739% | 3,753 |
| Assets per employee ($millions) | 3.7251% | 4,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6267% | 94 |
| Loan loss allowance to noncurrent loans | 627.9503% | 632 |
| Noncurrent assets plus other real estate owned to assets | 3.6912% | 1,339 |
| Noncurrent loans to loans | 0.8960% | 4,641 |
| Net loans and leases to total assets | 56.9008% | 4,312 |
| Net loans and leases to deposits | 66.1504% | 4,452 |
| Net loans and leases to core deposits | 66.1504% | 4,938 |
| Total domestic deposits to total assets | 86.0172% | 3,249 |
| Equity capital to assets | 6.9830% | 6,884 |
| Core capital (leverage) ratio | 4.6279% | 7,049 |
| Tier 1 risk-based capital ratio | 7.9804% | 6,993 |
| Total risk-based capital ratio | 9.2930% | 6,991 |
| Memoranda: | ||
| Average total assets | $28,958,750 | 6,867 |
| Average earning assets | $23,882,000 | 6,905 |
| Average equity | $1,988,500 | 7,040 |
| Average total loans | $18,412,250 | 6,579 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2685% | 1,108 |
| Cost of funding earning assets | 1.0214% | 1,639 |
| Net interest margin | 4.2472% | 1,614 |
| Noninterest income to average assets | 0.5928% | 3,296 |
| Noninterest expense to average assets | 2.9849% | 3,318 |
| Loan and lease loss provision to assets | 1.3320% | 296 |
| Net operating income to assets | -0.1116% | 6,451 |
| Return on assets (ROA) | -0.1116% | 6,546 |
| Pretax return on assets | -0.2441% | 6,609 |
| Return on Equity (ROE) | -1.6346% | 6,592 |
| Retained earnings to average equity (ytd only) | -1.6346% | 6,310 |
| Net charge-offs to loans | 1.9396% | 440 |
| Credit loss provision to net charge-offs | 106.1111% | 2,566 |
| Earnings coverage of net charge-offs (x) | 0.8667% | 4,620 |
| Efficiency ratio | 73.2877% | 3,196 |
| Assets per employee ($millions) | 3.5988% | 4,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5320% | 104 |
| Loan loss allowance to noncurrent loans | 257.8125% | 1,352 |
| Noncurrent assets plus other real estate owned to assets | 5.6061% | 787 |
| Noncurrent loans to loans | 2.1457% | 2,771 |
| Net loans and leases to total assets | 58.7218% | 4,038 |
| Net loans and leases to deposits | 68.4343% | 4,131 |
| Net loans and leases to core deposits | 68.4343% | 4,735 |
| Total domestic deposits to total assets | 85.8076% | 3,448 |
| Equity capital to assets | 6.8079% | 6,941 |
| Core capital (leverage) ratio | 4.2201% | 7,116 |
| Tier 1 risk-based capital ratio | 6.9455% | 7,095 |
| Total risk-based capital ratio | 8.2531% | 7,093 |
| Memoranda: | ||
| Average total assets | $28,678,000 | 6,924 |
| Average earning assets | $23,498,000 | 6,973 |
| Average equity | $1,957,670 | 7,096 |
| Average total loans | $18,560,330 | 6,621 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4008% | 907 |
| Cost of funding earning assets | 1.1622% | 1,138 |
| Net interest margin | 4.2386% | 1,642 |
| Noninterest income to average assets | 0.5870% | 3,319 |
| Noninterest expense to average assets | 3.1305% | 2,818 |
| Loan and lease loss provision to assets | 2.2500% | 121 |
| Net operating income to assets | -1.4954% | 7,089 |
| Return on assets (ROA) | -1.4954% | 7,095 |
| Pretax return on assets | -1.3277% | 7,049 |
| Return on Equity (ROE) | -21.8758% | 7,124 |
| Retained earnings to average equity (ytd only) | -21.8758% | 7,068 |
| Net charge-offs to loans | 0.2752% | 2,571 |
| Credit loss provision to net charge-offs | 1,238.4615% | 286 |
| Earnings coverage of net charge-offs (x) | 5.0769% | 2,444 |
| Efficiency ratio | 77.2414% | 2,613 |
| Assets per employee ($millions) | 3.6143% | 4,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1327% | 76 |
| Loan loss allowance to noncurrent loans | 273.5437% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 5.4299% | 913 |
| Noncurrent loans to loans | 2.2419% | 2,870 |
| Net loans and leases to total assets | 59.6597% | 3,739 |
| Net loans and leases to deposits | 69.9457% | 3,746 |
| Net loans and leases to core deposits | 69.9457% | 4,428 |
| Total domestic deposits to total assets | 85.2943% | 3,881 |
| Equity capital to assets | 6.4605% | 7,024 |
| Core capital (leverage) ratio | 3.8454% | 7,191 |
| Tier 1 risk-based capital ratio | 6.4425% | 7,162 |
| Total risk-based capital ratio | 7.7642% | 7,159 |
| Memoranda: | ||
| Average total assets | $28,622,000 | 6,988 |
| Average earning assets | $23,404,000 | 7,036 |
| Average equity | $1,956,500 | 7,155 |
| Average total loans | $18,892,500 | 6,660 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8244% | 609 |
| Cost of funding earning assets | 1.5346% | 624 |
| Net interest margin | 4.2898% | 1,729 |
| Noninterest income to average assets | 0.5550% | 3,469 |
| Noninterest expense to average assets | 3.1829% | 2,925 |
| Loan and lease loss provision to assets | 0.7900% | 1,255 |
| Net operating income to assets | 0.1143% | 5,836 |
| Return on assets (ROA) | 0.1143% | 5,958 |
| Pretax return on assets | 0.1502% | 5,888 |
| Return on Equity (ROE) | 1.7201% | 5,764 |
| Retained earnings to average equity (ytd only) | 1.7201% | 4,990 |
| Net charge-offs to loans | 1.5369% | 1,031 |
| Credit loss provision to net charge-offs | 72.6727% | 4,749 |
| Earnings coverage of net charge-offs (x) | 0.8649% | 5,150 |
| Efficiency ratio | 77.1971% | 2,713 |
| Assets per employee ($millions) | 3.5413% | 4,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0443% | 173 |
| Loan loss allowance to noncurrent loans | 331.8644% | 1,004 |
| Noncurrent assets plus other real estate owned to assets | 5.1465% | 1,025 |
| Noncurrent loans to loans | 1.5200% | 3,868 |
| Net loans and leases to total assets | 65.0512% | 2,975 |
| Net loans and leases to deposits | 76.8676% | 3,029 |
| Net loans and leases to core deposits | 76.8676% | 3,845 |
| Total domestic deposits to total assets | 84.6276% | 4,033 |
| Equity capital to assets | 7.2185% | 6,898 |
| Core capital (leverage) ratio | 4.4171% | 7,181 |
| Tier 1 risk-based capital ratio | 7.5061% | 7,132 |
| Total risk-based capital ratio | 8.8139% | 7,132 |
| Memoranda: | ||
| Average total assets | $30,632,800 | 6,952 |
| Average earning assets | $25,479,200 | 7,000 |
| Average equity | $2,034,800 | 7,202 |
| Average total loans | $21,667,400 | 6,573 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8467% | 634 |
| Cost of funding earning assets | 1.6173% | 540 |
| Net interest margin | 4.2294% | 1,992 |
| Noninterest income to average assets | 0.5298% | 3,652 |
| Noninterest expense to average assets | 3.3238% | 2,425 |
| Loan and lease loss provision to assets | 0.6280% | 1,555 |
| Net operating income to assets | 0.0983% | 5,968 |
| Return on assets (ROA) | 0.0983% | 6,082 |
| Pretax return on assets | 0.1196% | 6,059 |
| Return on Equity (ROE) | 1.5092% | 5,933 |
| Retained earnings to average equity (ytd only) | 1.5092% | 5,379 |
| Net charge-offs to loans | 0.8396% | 1,898 |
| Credit loss provision to net charge-offs | 105.0000% | 3,170 |
| Earnings coverage of net charge-offs (x) | 1.2500% | 4,679 |
| Efficiency ratio | 81.6369% | 2,025 |
| Assets per employee ($millions) | 3.8736% | 4,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0469% | 177 |
| Loan loss allowance to noncurrent loans | 259.5181% | 1,203 |
| Noncurrent assets plus other real estate owned to assets | 4.9695% | 1,165 |
| Noncurrent loans to loans | 1.9447% | 3,434 |
| Net loans and leases to total assets | 65.3877% | 3,035 |
| Net loans and leases to deposits | 77.6956% | 3,048 |
| Net loans and leases to core deposits | 84.1487% | 3,046 |
| Total domestic deposits to total assets | 84.1589% | 4,149 |
| Equity capital to assets | 6.5604% | 7,128 |
| Core capital (leverage) ratio | 4.1367% | 7,293 |
| Tier 1 risk-based capital ratio | 6.7183% | 7,261 |
| Total risk-based capital ratio | 8.0243% | 7,263 |
| Memoranda: | ||
| Average total assets | $31,208,500 | 7,004 |
| Average earning assets | $26,133,750 | 7,054 |
| Average equity | $2,032,250 | 7,276 |
| Average total loans | $22,232,250 | 6,610 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7859% | 733 |
| Cost of funding earning assets | 1.6629% | 548 |
| Net interest margin | 4.1231% | 2,329 |
| Noninterest income to average assets | 0.4731% | 4,082 |
| Noninterest expense to average assets | 3.2799% | 2,636 |
| Loan and lease loss provision to assets | 0.2685% | 3,250 |
| Net operating income to assets | 0.2557% | 5,539 |
| Return on assets (ROA) | 0.2557% | 5,658 |
| Pretax return on assets | 0.3964% | 5,404 |
| Return on Equity (ROE) | 3.9370% | 4,967 |
| Retained earnings to average equity (ytd only) | 3.9370% | 3,689 |
| Net charge-offs to loans | 0.9499% | 1,645 |
| Credit loss provision to net charge-offs | 39.2523% | 4,830 |
| Earnings coverage of net charge-offs (x) | 0.9720% | 4,567 |
| Efficiency ratio | 83.1442% | 1,937 |
| Assets per employee ($millions) | 3.3281% | 5,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6271% | 248 |
| Loan loss allowance to noncurrent loans | 245.7213% | 1,256 |
| Noncurrent assets plus other real estate owned to assets | 5.4586% | 1,085 |
| Noncurrent loans to loans | 1.8831% | 3,634 |
| Net loans and leases to total assets | 69.1583% | 2,386 |
| Net loans and leases to deposits | 82.7012% | 2,336 |
| Net loans and leases to core deposits | 89.8776% | 2,383 |
| Total domestic deposits to total assets | 83.6243% | 4,497 |
| Equity capital to assets | 6.8441% | 7,135 |
| Core capital (leverage) ratio | 4.2412% | 7,358 |
| Tier 1 risk-based capital ratio | 5.6332% | 7,374 |
| Total risk-based capital ratio | 6.7997% | 7,379 |
| Memoranda: | ||
| Average total assets | $31,281,670 | 7,066 |
| Average earning assets | $26,339,670 | 7,115 |
| Average equity | $2,032,000 | 7,341 |
| Average total loans | $22,529,670 | 6,660 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7079% | 865 |
| Cost of funding earning assets | 1.7109% | 527 |
| Net interest margin | 3.9970% | 2,692 |
| Noninterest income to average assets | 0.4883% | 3,984 |
| Noninterest expense to average assets | 2.9675% | 3,779 |
| Loan and lease loss provision to assets | 0.2629% | 3,031 |
| Net operating income to assets | 0.4132% | 4,889 |
| Return on assets (ROA) | 0.4132% | 4,981 |
| Pretax return on assets | 0.6511% | 4,485 |
| Return on Equity (ROE) | 6.5250% | 3,619 |
| Retained earnings to average equity (ytd only) | 6.5250% | 2,360 |
| Net charge-offs to loans | 0.1395% | 3,673 |
| Credit loss provision to net charge-offs | 262.5000% | 1,194 |
| Earnings coverage of net charge-offs (x) | 9.1250% | 1,760 |
| Efficiency ratio | 76.4516% | 3,080 |
| Assets per employee ($millions) | 3.4776% | 5,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7954% | 226 |
| Loan loss allowance to noncurrent loans | 128.4698% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 5.5307% | 1,092 |
| Noncurrent loans to loans | 3.7327% | 1,979 |
| Net loans and leases to total assets | 68.6977% | 2,402 |
| Net loans and leases to deposits | 82.2470% | 2,322 |
| Net loans and leases to core deposits | 82.2470% | 3,425 |
| Total domestic deposits to total assets | 83.5261% | 4,691 |
| Equity capital to assets | 6.5180% | 7,201 |
| Core capital (leverage) ratio | 4.0244% | 7,434 |
| Tier 1 risk-based capital ratio | 5.5149% | 7,438 |
| Total risk-based capital ratio | 6.7872% | 7,439 |
| Memoranda: | ||
| Average total assets | $31,946,000 | 7,097 |
| Average earning assets | $27,120,500 | 7,130 |
| Average equity | $2,023,000 | 7,392 |
| Average total loans | $22,934,500 | 6,698 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1023% | 698 |
| Cost of funding earning assets | 2.1313% | 380 |
| Net interest margin | 3.9710% | 3,143 |
| Noninterest income to average assets | 0.3910% | 4,968 |
| Noninterest expense to average assets | 3.9124% | 1,302 |
| Loan and lease loss provision to assets | 1.3135% | 1,164 |
| Net operating income to assets | -0.8747% | 6,615 |
| Return on assets (ROA) | -0.8747% | 6,641 |
| Pretax return on assets | -1.5020% | 6,855 |
| Return on Equity (ROE) | -14.3636% | 6,897 |
| Retained earnings to average equity (ytd only) | -14.3636% | 6,857 |
| Net charge-offs to loans | 1.8711% | 1,103 |
| Credit loss provision to net charge-offs | 98.3158% | 4,704 |
| Earnings coverage of net charge-offs (x) | -0.1411% | 6,255 |
| Efficiency ratio | 105.0604% | 646 |
| Assets per employee ($millions) | 3.6216% | 4,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5952% | 257 |
| Loan loss allowance to noncurrent loans | 173.4198% | 1,718 |
| Noncurrent assets plus other real estate owned to assets | 4.6236% | 1,441 |
| Noncurrent loans to loans | 2.6498% | 2,867 |
| Net loans and leases to total assets | 68.1567% | 2,947 |
| Net loans and leases to deposits | 81.4124% | 2,918 |
| Net loans and leases to core deposits | 85.4752% | 3,400 |
| Total domestic deposits to total assets | 83.7179% | 4,494 |
| Equity capital to assets | 6.1545% | 7,320 |
| Core capital (leverage) ratio | 3.5740% | 7,523 |
| Tier 1 risk-based capital ratio | 5.1329% | 7,518 |
| Total risk-based capital ratio | 6.4271% | 7,519 |
| Memoranda: | ||
| Average total assets | $35,553,200 | 7,023 |
| Average earning assets | $29,841,200 | 7,094 |
| Average equity | $2,165,200 | 7,478 |
| Average total loans | $25,385,800 | 6,645 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0468% | 848 |
| Cost of funding earning assets | 2.1945% | 391 |
| Net interest margin | 3.8524% | 3,741 |
| Noninterest income to average assets | 0.4372% | 4,657 |
| Noninterest expense to average assets | 3.8758% | 1,232 |
| Loan and lease loss provision to assets | 1.4952% | 892 |
| Net operating income to assets | -0.9956% | 6,899 |
| Return on assets (ROA) | -0.9956% | 6,948 |
| Pretax return on assets | -1.7156% | 7,111 |
| Return on Equity (ROE) | -16.3864% | 7,141 |
| Retained earnings to average equity (ytd only) | -16.3864% | 7,117 |
| Net charge-offs to loans | 2.2230% | 806 |
| Credit loss provision to net charge-offs | 94.2130% | 4,599 |
| Earnings coverage of net charge-offs (x) | -0.1389% | 6,136 |
| Efficiency ratio | 106.0302% | 601 |
| Assets per employee ($millions) | 3.8500% | 4,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3262% | 277 |
| Loan loss allowance to noncurrent loans | 107.5587% | 2,611 |
| Noncurrent assets plus other real estate owned to assets | 6.2193% | 943 |
| Noncurrent loans to loans | 4.0222% | 1,864 |
| Net loans and leases to total assets | 67.2063% | 3,407 |
| Net loans and leases to deposits | 80.2557% | 3,400 |
| Net loans and leases to core deposits | 84.0110% | 3,934 |
| Total domestic deposits to total assets | 83.7403% | 4,253 |
| Equity capital to assets | 5.9105% | 7,498 |
| Core capital (leverage) ratio | 3.6628% | 7,641 |
| Tier 1 risk-based capital ratio | 5.1231% | 7,634 |
| Total risk-based capital ratio | 6.3101% | 7,639 |
| Memoranda: | ||
| Average total assets | $36,293,000 | 7,082 |
| Average earning assets | $30,318,250 | 7,164 |
| Average equity | $2,205,000 | 7,564 |
| Average total loans | $25,911,000 | 6,704 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1329% | 709 |
| Cost of funding earning assets | 2.2671% | 377 |
| Net interest margin | 3.8659% | 3,608 |
| Noninterest income to average assets | 0.4452% | 4,563 |
| Noninterest expense to average assets | 3.6807% | 1,590 |
| Loan and lease loss provision to assets | 0.9609% | 1,522 |
| Net operating income to assets | -0.5646% | 6,715 |
| Return on assets (ROA) | -0.5646% | 6,745 |
| Pretax return on assets | -0.9935% | 6,887 |
| Return on Equity (ROE) | -9.2144% | 6,935 |
| Retained earnings to average equity (ytd only) | -9.2144% | 6,877 |
| Net charge-offs to loans | 1.3997% | 1,361 |
| Credit loss provision to net charge-offs | 95.6757% | 4,247 |
| Earnings coverage of net charge-offs (x) | -0.0324% | 5,751 |
| Efficiency ratio | 100.8929% | 775 |
| Assets per employee ($millions) | 3.1396% | 5,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1463% | 326 |
| Loan loss allowance to noncurrent loans | 82.6893% | 3,297 |
| Noncurrent assets plus other real estate owned to assets | 6.9029% | 772 |
| Noncurrent loans to loans | 5.0143% | 1,374 |
| Net loans and leases to total assets | 71.6238% | 2,507 |
| Net loans and leases to deposits | 85.9755% | 2,510 |
| Net loans and leases to core deposits | 90.0342% | 3,256 |
| Total domestic deposits to total assets | 83.3073% | 4,437 |
| Equity capital to assets | 6.4107% | 7,477 |
| Core capital (leverage) ratio | 4.4905% | 7,655 |
| Tier 1 risk-based capital ratio | 6.4772% | 7,636 |
| Total risk-based capital ratio | 7.7700% | 7,638 |
| Memoranda: | ||
| Average total assets | $36,840,670 | 7,119 |
| Average earning assets | $30,523,670 | 7,210 |
| Average equity | $2,257,330 | 7,615 |
| Average total loans | $26,434,670 | 6,722 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1906% | 653 |
| Cost of funding earning assets | 2.3455% | 366 |
| Net interest margin | 3.8451% | 3,596 |
| Noninterest income to average assets | 0.4632% | 4,352 |
| Noninterest expense to average assets | 3.5059% | 1,967 |
| Loan and lease loss provision to assets | 1.5477% | 754 |
| Net operating income to assets | -0.8212% | 7,014 |
| Return on assets (ROA) | -0.8212% | 7,043 |
| Pretax return on assets | -1.4318% | 7,235 |
| Return on Equity (ROE) | -13.6902% | 7,281 |
| Retained earnings to average equity (ytd only) | -13.6902% | 7,158 |
| Net charge-offs to loans | 2.6767% | 606 |
| Credit loss provision to net charge-offs | 82.1229% | 3,824 |
| Earnings coverage of net charge-offs (x) | 0.0615% | 4,985 |
| Efficiency ratio | 96.8023% | 983 |
| Assets per employee ($millions) | 3.3141% | 5,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0028% | 375 |
| Loan loss allowance to noncurrent loans | 94.7464% | 2,914 |
| Noncurrent assets plus other real estate owned to assets | 8.1553% | 598 |
| Noncurrent loans to loans | 4.2247% | 1,818 |
| Net loans and leases to total assets | 68.8136% | 3,197 |
| Net loans and leases to deposits | 82.4519% | 3,208 |
| Net loans and leases to core deposits | 86.1233% | 3,872 |
| Total domestic deposits to total assets | 83.4591% | 4,406 |
| Equity capital to assets | 6.1391% | 7,603 |
| Core capital (leverage) ratio | 4.3151% | 7,753 |
| Tier 1 risk-based capital ratio | 6.4487% | 7,731 |
| Total risk-based capital ratio | 7.7690% | 7,730 |
| Memoranda: | ||
| Average total assets | $37,993,000 | 7,162 |
| Average earning assets | $31,208,500 | 7,275 |
| Average equity | $2,279,000 | 7,697 |
| Average total loans | $26,749,000 | 6,788 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1853% | 1,271 |
| Cost of funding earning assets | 2.7617% | 498 |
| Net interest margin | 3.4236% | 5,274 |
| Noninterest income to average assets | 0.3046% | 5,916 |
| Noninterest expense to average assets | 4.0599% | 1,288 |
| Loan and lease loss provision to assets | 2.5617% | 768 |
| Net operating income to assets | -1.9845% | 7,084 |
| Return on assets (ROA) | -1.9845% | 7,088 |
| Pretax return on assets | -3.3697% | 7,388 |
| Return on Equity (ROE) | -30.2735% | 7,408 |
| Retained earnings to average equity (ytd only) | -30.2735% | 7,391 |
| Net charge-offs to loans | 1.8493% | 1,348 |
| Credit loss provision to net charge-offs | 182.9825% | 2,248 |
| Earnings coverage of net charge-offs (x) | -0.5772% | 6,740 |
| Efficiency ratio | 124.8489% | 531 |
| Assets per employee ($millions) | 3.0408% | 6,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9392% | 378 |
| Loan loss allowance to noncurrent loans | 56.6772% | 4,602 |
| Noncurrent assets plus other real estate owned to assets | 10.5183% | 335 |
| Noncurrent loans to loans | 6.9502% | 811 |
| Net loans and leases to total assets | 66.4997% | 4,038 |
| Net loans and leases to deposits | 81.7464% | 3,657 |
| Net loans and leases to core deposits | 89.5063% | 5,181 |
| Total domestic deposits to total assets | 81.3488% | 5,216 |
| Equity capital to assets | 5.8688% | 7,681 |
| Core capital (leverage) ratio | 4.4252% | 7,813 |
| Tier 1 risk-based capital ratio | 6.6558% | 7,781 |
| Total risk-based capital ratio | 7.9404% | 7,780 |
| Memoranda: | ||
| Average total assets | $40,715,200 | 7,064 |
| Average earning assets | $35,050,800 | 7,134 |
| Average equity | $2,669,000 | 7,685 |
| Average total loans | $30,822,800 | 6,585 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1904% | 1,400 |
| Cost of funding earning assets | 2.7999% | 597 |
| Net interest margin | 3.3905% | 5,311 |
| Noninterest income to average assets | 0.3674% | 5,567 |
| Noninterest expense to average assets | 3.9500% | 1,351 |
| Loan and lease loss provision to assets | 3.1795% | 438 |
| Net operating income to assets | -2.2530% | 7,394 |
| Return on assets (ROA) | -2.2530% | 7,389 |
| Pretax return on assets | -3.8135% | 7,660 |
| Return on Equity (ROE) | -33.5231% | 7,671 |
| Retained earnings to average equity (ytd only) | -33.5231% | 7,664 |
| Net charge-offs to loans | 1.4012% | 1,473 |
| Credit loss provision to net charge-offs | 293.6937% | 1,414 |
| Earnings coverage of net charge-offs (x) | -0.5856% | 6,510 |
| Efficiency ratio | 119.1176% | 599 |
| Assets per employee ($millions) | 2.6784% | 6,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2062% | 255 |
| Loan loss allowance to noncurrent loans | 60.6796% | 4,324 |
| Noncurrent assets plus other real estate owned to assets | 9.9487% | 347 |
| Noncurrent loans to loans | 6.9318% | 781 |
| Net loans and leases to total assets | 70.8582% | 3,302 |
| Net loans and leases to deposits | 90.9056% | 2,413 |
| Net loans and leases to core deposits | 98.6896% | 4,521 |
| Total domestic deposits to total assets | 77.9470% | 6,105 |
| Equity capital to assets | 6.0733% | 7,842 |
| Core capital (leverage) ratio | 4.6106% | 7,949 |
| Tier 1 risk-based capital ratio | 6.2822% | 7,941 |
| Total risk-based capital ratio | 7.5695% | 7,940 |
| Memoranda: | ||
| Average total assets | $41,011,250 | 7,102 |
| Average earning assets | $35,667,250 | 7,177 |
| Average equity | $2,756,250 | 7,731 |
| Average total loans | $31,687,000 | 6,582 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3134% | 1,176 |
| Cost of funding earning assets | 2.8103% | 763 |
| Net interest margin | 3.5031% | 4,786 |
| Noninterest income to average assets | 0.3294% | 5,872 |
| Noninterest expense to average assets | 3.9138% | 1,457 |
| Loan and lease loss provision to assets | 3.9962% | 308 |
| Net operating income to assets | -3.7733% | 7,797 |
| Return on assets (ROA) | -3.7733% | 7,797 |
| Pretax return on assets | -4.5193% | 7,809 |
| Return on Equity (ROE) | -54.4437% | 7,949 |
| Retained earnings to average equity (ytd only) | -54.4437% | 7,945 |
| Net charge-offs to loans | 0.1608% | 4,595 |
| Credit loss provision to net charge-offs | 3,173.0769% | 155 |
| Earnings coverage of net charge-offs (x) | -4.1538% | 6,438 |
| Efficiency ratio | 115.4286% | 746 |
| Assets per employee ($millions) | 2.6370% | 6,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5231% | 171 |
| Loan loss allowance to noncurrent loans | 65.2113% | 4,165 |
| Noncurrent assets plus other real estate owned to assets | 10.2844% | 270 |
| Noncurrent loans to loans | 6.9360% | 712 |
| Net loans and leases to total assets | 74.9261% | 2,457 |
| Net loans and leases to deposits | 96.8783% | 1,672 |
| Net loans and leases to core deposits | 105.3161% | 3,920 |
| Total domestic deposits to total assets | 77.3404% | 6,241 |
| Equity capital to assets | 5.9613% | 7,936 |
| Core capital (leverage) ratio | 5.1617% | 8,010 |
| Tier 1 risk-based capital ratio | 7.1193% | 7,998 |
| Total risk-based capital ratio | 8.4124% | 8,001 |
| Memoranda: | ||
| Average total assets | $41,289,670 | 7,158 |
| Average earning assets | $36,082,000 | 7,219 |
| Average equity | $2,861,670 | 7,770 |
| Average total loans | $32,343,330 | 6,597 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2997% | 1,300 |
| Cost of funding earning assets | 2.7615% | 1,084 |
| Net interest margin | 3.5382% | 4,573 |
| Noninterest income to average assets | 0.4080% | 5,151 |
| Noninterest expense to average assets | 3.3589% | 2,475 |
| Loan and lease loss provision to assets | 0.9393% | 1,381 |
| Net operating income to assets | -0.5503% | 6,925 |
| Return on assets (ROA) | -0.5503% | 6,973 |
| Pretax return on assets | -0.7780% | 7,021 |
| Return on Equity (ROE) | -7.4514% | 7,187 |
| Retained earnings to average equity (ytd only) | -7.4514% | 6,848 |
| Net charge-offs to loans | -0.2667% | 8,048 |
| Credit loss provision to net charge-offs | -450.0000% | 6,379 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4178% | 1,350 |
| Assets per employee ($millions) | 2.7506% | 6,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2688% | 985 |
| Loan loss allowance to noncurrent loans | 39.6721% | 5,903 |
| Noncurrent assets plus other real estate owned to assets | 9.8912% | 232 |
| Noncurrent loans to loans | 5.7189% | 864 |
| Net loans and leases to total assets | 75.7968% | 2,318 |
| Net loans and leases to deposits | 100.3691% | 1,361 |
| Net loans and leases to core deposits | 110.8579% | 3,327 |
| Total domestic deposits to total assets | 75.5181% | 6,600 |
| Equity capital to assets | 7.4675% | 7,376 |
| Core capital (leverage) ratio | 7.0989% | 7,562 |
| Tier 1 risk-based capital ratio | 9.7464% | 7,207 |
| Total risk-based capital ratio | 11.0110% | 7,096 |
| Memoranda: | ||
| Average total assets | $42,157,000 | 7,158 |
| Average earning assets | $37,081,000 | 7,214 |
| Average equity | $3,113,500 | 7,749 |
| Average total loans | $32,994,500 | 6,592 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8678% | 1,493 |
| Cost of funding earning assets | 3.3814% | 736 |
| Net interest margin | 3.4864% | 5,343 |
| Noninterest income to average assets | 0.4919% | 4,669 |
| Noninterest expense to average assets | 3.2994% | 2,960 |
| Loan and lease loss provision to assets | 1.3088% | 1,083 |
| Net operating income to assets | -0.5766% | 6,985 |
| Return on assets (ROA) | -0.5766% | 6,871 |
| Pretax return on assets | -0.9999% | 6,999 |
| Return on Equity (ROE) | -7.8140% | 7,115 |
| Retained earnings to average equity (ytd only) | -7.8140% | 6,870 |
| Net charge-offs to loans | 1.2160% | 995 |
| Credit loss provision to net charge-offs | 130.0000% | 4,089 |
| Earnings coverage of net charge-offs (x) | 0.3068% | 6,051 |
| Efficiency ratio | 91.4394% | 1,415 |
| Assets per employee ($millions) | 2.8703% | 6,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7799% | 1,677 |
| Loan loss allowance to noncurrent loans | 27.0936% | 6,885 |
| Noncurrent assets plus other real estate owned to assets | 8.7539% | 240 |
| Noncurrent loans to loans | 6.5696% | 488 |
| Net loans and leases to total assets | 77.5404% | 2,255 |
| Net loans and leases to deposits | 103.4488% | 1,407 |
| Net loans and leases to core deposits | 116.0572% | 3,113 |
| Total domestic deposits to total assets | 74.9553% | 6,460 |
| Equity capital to assets | 7.3069% | 7,552 |
| Core capital (leverage) ratio | 7.2741% | 7,444 |
| Tier 1 risk-based capital ratio | 10.1640% | 6,561 |
| Total risk-based capital ratio | 11.4231% | 6,412 |
| Memoranda: | ||
| Average total assets | $43,704,400 | 7,042 |
| Average earning assets | $39,066,400 | 7,078 |
| Average equity | $3,225,000 | 7,767 |
| Average total loans | $36,184,400 | 6,355 |