Home > Liberty Bank, Inc. > Performance and Condition Ratios
Liberty Bank, Inc., 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 | 7.6096% | 145 |
| Cost of funding earning assets | 3.4015% | 86 |
| Net interest margin | 4.2081% | 923 |
| Noninterest income to average assets | 7.5400% | 99 |
| Noninterest expense to average assets | 17.0818% | 78 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | -5.4254% | 4,592 |
| Return on assets (ROA) | -5.4254% | 4,590 |
| Pretax return on assets | -5.4254% | 4,588 |
| Return on Equity (ROE) | -69.6500% | 4,576 |
| Retained earnings to average equity (ytd only) | -69.6523% | 4,562 |
| Net charge-offs to loans | -0.0987% | 4,491 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 146.5441% | 46 |
| Assets per employee ($millions) | 1.1241% | 4,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0303% | 114 |
| Loan loss allowance to noncurrent loans | 149.6894% | 2,868 |
| Noncurrent assets plus other real estate owned to assets | 1.3021% | 318 |
| Noncurrent loans to loans | 2.0244% | 273 |
| Net loans and leases to total assets | 62.3700% | 2,646 |
| Net loans and leases to deposits | 67.1368% | 3,096 |
| Net loans and leases to core deposits | 105.5282% | 1,137 |
| Total domestic deposits to total assets | 92.9000% | 183 |
| Equity capital to assets | 4.9656% | 4,419 |
| Core capital (leverage) ratio | 4.9167% | 4,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 8.5194% | 2,894 |
| Memoranda: | ||
| Average total assets | $11,667,400 | 4,561 |
| Average earning assets | $11,406,600 | 4,512 |
| Average equity | $908,800 | 4,522 |
| Average total loans | $8,106,000 | 4,434 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6528% | 127 |
| Cost of funding earning assets | 3.0421% | 109 |
| Net interest margin | 4.6107% | 518 |
| Noninterest income to average assets | 9.9400% | 91 |
| Noninterest expense to average assets | 16.5662% | 77 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | -2.1230% | 4,601 |
| Return on assets (ROA) | -2.1230% | 4,599 |
| Pretax return on assets | -2.1230% | 4,593 |
| Return on Equity (ROE) | -24.8300% | 4,583 |
| Retained earnings to average equity (ytd only) | -24.8340% | 4,565 |
| Net charge-offs to loans | -0.1310% | 4,536 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 114.6988% | 89 |
| Assets per employee ($millions) | 1.1614% | 4,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9864% | 121 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 61.2800% | 2,725 |
| Net loans and leases to deposits | 67.9483% | 2,981 |
| Net loans and leases to core deposits | 102.4202% | 1,190 |
| Total domestic deposits to total assets | 90.1900% | 890 |
| Equity capital to assets | 8.3288% | 2,838 |
| Core capital (leverage) ratio | 9.3588% | 3,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5394% | 2,064 |
| Memoranda: | ||
| Average total assets | $11,493,000 | 4,583 |
| Average earning assets | $11,220,000 | 4,540 |
| Average equity | $982,500 | 4,545 |
| Average total loans | $8,144,250 | 4,456 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8791% | 107 |
| Cost of funding earning assets | 2.7253% | 123 |
| Net interest margin | 5.1539% | 255 |
| Noninterest income to average assets | 1.3700% | 364 |
| Noninterest expense to average assets | 17.4594% | 72 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | -11.0612% | 4,658 |
| Return on assets (ROA) | -11.0612% | 4,658 |
| Pretax return on assets | -11.0612% | 4,658 |
| Return on Equity (ROE) | -128.1200% | 4,637 |
| Retained earnings to average equity (ytd only) | -128.1228% | 4,620 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 272.8814% | 15 |
| Assets per employee ($millions) | 0.8960% | 4,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9074% | 139 |
| 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 | 72.3700% | 1,481 |
| Net loans and leases to deposits | 78.3033% | 2,105 |
| Net loans and leases to core deposits | 127.5574% | 364 |
| Total domestic deposits to total assets | 92.4200% | 337 |
| Equity capital to assets | 5.9059% | 4,188 |
| Core capital (leverage) ratio | 5.6966% | 4,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 8.9859% | 2,933 |
| Memoranda: | ||
| Average total assets | $11,065,667 | 4,612 |
| Average earning assets | $10,788,000 | 4,568 |
| Average equity | $955,333 | 4,574 |
| Average total loans | $8,169,000 | 4,487 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6779% | 73 |
| Cost of funding earning assets | 2.3034% | 150 |
| Net interest margin | 5.3745% | 177 |
| Noninterest income to average assets | 0.8600% | 744 |
| Noninterest expense to average assets | 15.4689% | 81 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -9.3740% | 4,681 |
| Return on assets (ROA) | -9.3740% | 4,681 |
| Pretax return on assets | -9.3740% | 4,679 |
| Return on Equity (ROE) | -94.3100% | 4,659 |
| Retained earnings to average equity (ytd only) | -94.3075% | 4,687 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 253.8012% | 16 |
| Assets per employee ($millions) | 1.0555% | 4,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8198% | 155 |
| Loan loss allowance to noncurrent loans | 448.0769% | 1,754 |
| Noncurrent assets plus other real estate owned to assets | 0.4479% | 1,143 |
| Noncurrent loans to loans | 0.6293% | 1,193 |
| Net loans and leases to total assets | 69.1600% | 1,710 |
| Net loans and leases to deposits | 76.4471% | 2,078 |
| Net loans and leases to core deposits | 119.9223% | 435 |
| Total domestic deposits to total assets | 90.4700% | 987 |
| Equity capital to assets | 8.4755% | 2,915 |
| Core capital (leverage) ratio | 8.6119% | 4,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6916% | 2,504 |
| Memoranda: | ||
| Average total assets | $11,222,500 | 4,674 |
| Average earning assets | $10,940,500 | 4,637 |
| Average equity | $1,115,500 | 4,642 |
| Average total loans | $8,246,500 | 4,555 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7577% | 116 |
| Cost of funding earning assets | 1.2995% | 51 |
| Net interest margin | 4.4582% | 318 |
| Noninterest income to average assets | 8.4300% | 107 |
| Noninterest expense to average assets | 13.6051% | 87 |
| Loan and lease loss provision to assets | 0.1700% | 670 |
| Net operating income to assets | -1.4321% | 4,675 |
| Return on assets (ROA) | -1.4321% | 4,670 |
| Pretax return on assets | -1.4321% | 4,665 |
| Return on Equity (ROE) | -12.5200% | 4,670 |
| Retained earnings to average equity (ytd only) | -12.5182% | 4,654 |
| Net charge-offs to loans | 0.1706% | 487 |
| Credit loss provision to net charge-offs | 153.8462% | 1,284 |
| Earnings coverage of net charge-offs (x) | -11.6923% | 4,699 |
| Efficiency ratio | 110.2564% | 90 |
| Assets per employee ($millions) | 0.9850% | 4,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8311% | 145 |
| 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 | 73.8100% | 1,231 |
| Net loans and leases to deposits | 85.0021% | 1,388 |
| Net loans and leases to core deposits | 150.0657% | 97 |
| Total domestic deposits to total assets | 86.8300% | 2,450 |
| Equity capital to assets | 11.5090% | 1,084 |
| Core capital (leverage) ratio | 11.1062% | 1,736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1533% | 1,329 |
| Memoranda: | ||
| Average total assets | $12,010,200 | 4,706 |
| Average earning assets | $10,542,400 | 4,674 |
| Average equity | $1,374,000 | 4,698 |
| Average total loans | $7,619,600 | 4,591 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4302% | 123 |
| Cost of funding earning assets | 1.2025% | 24 |
| Net interest margin | 4.2277% | 392 |
| Noninterest income to average assets | 8.8600% | 108 |
| Noninterest expense to average assets | 13.5671% | 90 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | -1.0836% | 4,708 |
| Return on assets (ROA) | -1.0836% | 4,702 |
| Pretax return on assets | -1.0836% | 4,693 |
| Return on Equity (ROE) | -9.4800% | 4,696 |
| Retained earnings to average equity (ytd only) | -9.4846% | 4,669 |
| Net charge-offs to loans | 0.2321% | 295 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | -7.6923% | 4,731 |
| Efficiency ratio | 108.6806% | 101 |
| Assets per employee ($millions) | 0.8816% | 4,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7938% | 161 |
| Loan loss allowance to noncurrent loans | 112.6984% | 3,273 |
| Noncurrent assets plus other real estate owned to assets | 1.6491% | 194 |
| Noncurrent loans to loans | 2.4790% | 214 |
| Net loans and leases to total assets | 64.6600% | 2,019 |
| Net loans and leases to deposits | 74.1619% | 2,034 |
| Net loans and leases to core deposits | 120.0940% | 255 |
| Total domestic deposits to total assets | 87.1900% | 2,700 |
| Equity capital to assets | 11.5086% | 1,011 |
| Core capital (leverage) ratio | 10.4608% | 2,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1673% | 1,377 |
| Memoranda: | ||
| Average total assets | $12,304,000 | 4,742 |
| Average earning assets | $10,533,500 | 4,714 |
| Average equity | $1,405,750 | 4,735 |
| Average total loans | $7,467,000 | 4,628 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9832% | 176 |
| Cost of funding earning assets | 1.0744% | 26 |
| Net interest margin | 3.9087% | 594 |
| Noninterest income to average assets | 12.6500% | 49 |
| Noninterest expense to average assets | 14.6524% | 49 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3508% | 1,020 |
| Return on assets (ROA) | 1.3508% | 1,002 |
| Pretax return on assets | 1.3508% | 1,582 |
| Return on Equity (ROE) | 11.8494% | 1,703 |
| Retained earnings to average equity (ytd only) | 11.8494% | 630 |
| Net charge-offs to loans | 0.3507% | 200 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 6.5385% | 1,892 |
| Efficiency ratio | 91.5591% | 352 |
| Assets per employee ($millions) | 0.9703% | 4,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7369% | 188 |
| Loan loss allowance to noncurrent loans | 117.1271% | 3,249 |
| Noncurrent assets plus other real estate owned to assets | 1.4349% | 253 |
| Noncurrent loans to loans | 2.3367% | 260 |
| Net loans and leases to total assets | 59.7273% | 2,355 |
| Net loans and leases to deposits | 69.7076% | 2,240 |
| Net loans and leases to core deposits | 115.6586% | 252 |
| Total domestic deposits to total assets | 85.6826% | 3,327 |
| Equity capital to assets | 11.9233% | 904 |
| Core capital (leverage) ratio | 11.9974% | 1,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0947% | 1,164 |
| Memoranda: | ||
| Average total assets | $12,585,000 | 4,768 |
| Average earning assets | $10,796,333 | 4,755 |
| Average equity | $1,434,667 | 4,761 |
| Average total loans | $7,414,667 | 4,693 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8182% | 196 |
| Cost of funding earning assets | 1.0748% | 26 |
| Net interest margin | 3.7433% | 697 |
| Noninterest income to average assets | 10.8508% | 58 |
| Noninterest expense to average assets | 13.9374% | 51 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1273% | 4,435 |
| Return on assets (ROA) | 0.1273% | 4,405 |
| Pretax return on assets | 0.1273% | 4,412 |
| Return on Equity (ROE) | 1.1429% | 4,403 |
| Retained earnings to average equity (ytd only) | 1.1429% | 3,795 |
| Net charge-offs to loans | 0.8277% | 84 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 0.2667% | 1,775 |
| Efficiency ratio | 99.0950% | 262 |
| Assets per employee ($millions) | 1.0518% | 4,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8205% | 186 |
| Loan loss allowance to noncurrent loans | 180.3419% | 2,741 |
| Noncurrent assets plus other real estate owned to assets | 0.9270% | 576 |
| Noncurrent loans to loans | 1.5640% | 513 |
| Net loans and leases to total assets | 57.6024% | 2,340 |
| Net loans and leases to deposits | 66.1812% | 2,323 |
| Net loans and leases to core deposits | 108.4751% | 290 |
| Total domestic deposits to total assets | 87.0375% | 2,913 |
| Equity capital to assets | 11.2669% | 1,209 |
| Core capital (leverage) ratio | 11.3479% | 1,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3864% | 1,173 |
| Memoranda: | ||
| Average total assets | $12,570,500 | 4,793 |
| Average earning assets | $10,792,500 | 4,781 |
| Average equity | $1,400,000 | 4,787 |
| Average total loans | $7,249,000 | 4,724 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0991% | 233 |
| Cost of funding earning assets | 1.2533% | 24 |
| Net interest margin | 3.8459% | 928 |
| Noninterest income to average assets | 4.2536% | 127 |
| Noninterest expense to average assets | 15.0877% | 44 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | -7.5520% | 4,834 |
| Return on assets (ROA) | -7.5520% | 4,834 |
| Pretax return on assets | -7.5520% | 4,834 |
| Return on Equity (ROE) | -52.8270% | 4,836 |
| Retained earnings to average equity (ytd only) | -52.8270% | 4,833 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 200.2167% | 19 |
| Assets per employee ($millions) | 0.9631% | 4,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2207% | 122 |
| Loan loss allowance to noncurrent loans | 136.1446% | 3,082 |
| Noncurrent assets plus other real estate owned to assets | 1.3259% | 343 |
| Noncurrent loans to loans | 2.3657% | 294 |
| Net loans and leases to total assets | 54.2412% | 2,817 |
| Net loans and leases to deposits | 61.9165% | 2,889 |
| Net loans and leases to core deposits | 101.4188% | 476 |
| Total domestic deposits to total assets | 87.6038% | 2,237 |
| Equity capital to assets | 11.0064% | 1,787 |
| Core capital (leverage) ratio | 10.9731% | 1,581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7448% | 1,108 |
| Memoranda: | ||
| Average total assets | $12,248,400 | 4,836 |
| Average earning assets | $10,452,800 | 4,824 |
| Average equity | $1,751,000 | 4,823 |
| Average total loans | $6,806,200 | 4,774 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0529% | 273 |
| Cost of funding earning assets | 1.3114% | 21 |
| Net interest margin | 3.7415% | 1,246 |
| Noninterest income to average assets | 3.5685% | 164 |
| Noninterest expense to average assets | 14.8430% | 46 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | -8.0892% | 4,911 |
| Return on assets (ROA) | -8.0892% | 4,911 |
| Pretax return on assets | -8.0892% | 4,911 |
| Return on Equity (ROE) | -53.4260% | 4,910 |
| Retained earnings to average equity (ytd only) | -53.4260% | 4,906 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 219.7731% | 20 |
| Assets per employee ($millions) | 0.7811% | 4,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1998% | 128 |
| 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 | 54.7048% | 2,879 |
| Net loans and leases to deposits | 63.5232% | 2,904 |
| Net loans and leases to core deposits | 105.1523% | 427 |
| Total domestic deposits to total assets | 86.1178% | 2,703 |
| Equity capital to assets | 12.5300% | 1,158 |
| Core capital (leverage) ratio | 12.4523% | 998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5430% | 1,039 |
| Memoranda: | ||
| Average total assets | $12,180,500 | 4,910 |
| Average earning assets | $10,370,000 | 4,898 |
| Average equity | $1,844,250 | 4,893 |
| Average total loans | $6,753,500 | 4,844 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9582% | 368 |
| Cost of funding earning assets | 1.3664% | 19 |
| Net interest margin | 3.5918% | 1,609 |
| Noninterest income to average assets | 4.9856% | 116 |
| Noninterest expense to average assets | 16.1495% | 41 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -8.1162% | 4,949 |
| Return on assets (ROA) | -8.1162% | 4,948 |
| Pretax return on assets | -8.1162% | 4,947 |
| Return on Equity (ROE) | -50.5937% | 4,947 |
| Retained earnings to average equity (ytd only) | -50.5937% | 4,941 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 201.0309% | 23 |
| Assets per employee ($millions) | 0.8938% | 4,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2835% | 119 |
| 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 | 53.2007% | 3,233 |
| Net loans and leases to deposits | 63.0338% | 3,101 |
| Net loans and leases to core deposits | 105.8347% | 472 |
| Total domestic deposits to total assets | 84.4002% | 3,313 |
| Equity capital to assets | 14.4889% | 618 |
| Core capital (leverage) ratio | 14.4670% | 541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9318% | 547 |
| Memoranda: | ||
| Average total assets | $12,074,667 | 4,945 |
| Average earning assets | $10,245,667 | 4,935 |
| Average equity | $1,937,000 | 4,926 |
| Average total loans | $6,650,333 | 4,882 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2789% | 241 |
| Cost of funding earning assets | 1.5197% | 18 |
| Net interest margin | 3.7592% | 1,218 |
| Noninterest income to average assets | 9.4808% | 76 |
| Noninterest expense to average assets | 20.4799% | 35 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -7.8276% | 4,972 |
| Return on assets (ROA) | -7.8276% | 4,972 |
| Pretax return on assets | -7.8276% | 4,972 |
| Return on Equity (ROE) | -46.4232% | 4,973 |
| Retained earnings to average equity (ytd only) | -46.4232% | 4,962 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 161.8667% | 25 |
| Assets per employee ($millions) | 0.6881% | 4,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3152% | 115 |
| Loan loss allowance to noncurrent loans | 337.3134% | 1,607 |
| Noncurrent assets plus other real estate owned to assets | 0.5728% | 1,654 |
| Noncurrent loans to loans | 0.9828% | 1,372 |
| Net loans and leases to total assets | 56.3478% | 2,992 |
| Net loans and leases to deposits | 69.2114% | 2,581 |
| Net loans and leases to core deposits | 103.6321% | 587 |
| Total domestic deposits to total assets | 81.4140% | 3,999 |
| Equity capital to assets | 17.7054% | 266 |
| Core capital (leverage) ratio | 17.7084% | 274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.1916% | 347 |
| Memoranda: | ||
| Average total assets | $11,855,500 | 4,972 |
| Average earning assets | $10,002,000 | 4,962 |
| Average equity | $1,999,000 | 4,949 |
| Average total loans | $6,534,000 | 4,911 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6363% | 1,029 |
| Cost of funding earning assets | 1.8714% | 18 |
| Net interest margin | 2.7650% | 4,302 |
| Noninterest income to average assets | 8.3946% | 82 |
| Noninterest expense to average assets | 20.3273% | 36 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | -9.3833% | 4,998 |
| Return on assets (ROA) | -9.3833% | 4,998 |
| Pretax return on assets | -9.3833% | 4,998 |
| Return on Equity (ROE) | -95.7468% | 5,000 |
| Retained earnings to average equity (ytd only) | -95.7468% | 5,000 |
| Net charge-offs to loans | 0.1693% | 984 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | -107.5556% | 3,436 |
| Efficiency ratio | 185.7396% | 25 |
| Assets per employee ($millions) | 0.5721% | 4,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6154% | 82 |
| 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 | 50.1498% | 3,817 |
| Net loans and leases to deposits | 60.7910% | 3,698 |
| Net loans and leases to core deposits | 89.1404% | 1,595 |
| Total domestic deposits to total assets | 82.4954% | 3,539 |
| Equity capital to assets | 16.0396% | 424 |
| Core capital (leverage) ratio | 17.8873% | 267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8781% | 357 |
| Memoranda: | ||
| Average total assets | $10,316,200 | 4,998 |
| Average earning assets | $9,511,800 | 4,987 |
| Average equity | $1,011,000 | 4,995 |
| Average total loans | $5,315,200 | 4,948 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5902% | 1,335 |
| Cost of funding earning assets | 1.9387% | 18 |
| Net interest margin | 2.6515% | 4,524 |
| Noninterest income to average assets | 4.5694% | 119 |
| Noninterest expense to average assets | 17.2800% | 42 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | -10.2035% | 5,030 |
| Return on assets (ROA) | -10.2035% | 5,030 |
| Pretax return on assets | -10.2035% | 5,030 |
| Return on Equity (ROE) | -129.0675% | 5,032 |
| Retained earnings to average equity (ytd only) | -129.0675% | 5,031 |
| Net charge-offs to loans | 0.1574% | 937 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | -126.1667% | 3,235 |
| Efficiency ratio | 244.1905% | 15 |
| Assets per employee ($millions) | 0.5447% | 5,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0042% | 64 |
| 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 | 50.3947% | 4,079 |
| Net loans and leases to deposits | 53.8605% | 4,341 |
| Net loans and leases to core deposits | 77.8282% | 3,022 |
| Total domestic deposits to total assets | 93.5653% | 9 |
| Equity capital to assets | 5.4801% | 5,017 |
| Core capital (leverage) ratio | 5.5344% | 5,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0144% | 2,920 |
| Memoranda: | ||
| Average total assets | $9,891,750 | 5,032 |
| Average earning assets | $9,353,000 | 5,018 |
| Average equity | $782,000 | 5,029 |
| Average total loans | $5,081,250 | 4,980 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8317% | 1,094 |
| Cost of funding earning assets | 2.0132% | 23 |
| Net interest margin | 2.8185% | 4,418 |
| Noninterest income to average assets | 4.6873% | 113 |
| Noninterest expense to average assets | 17.7031% | 40 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -10.3791% | 5,061 |
| Return on assets (ROA) | -10.3791% | 5,061 |
| Pretax return on assets | -10.3791% | 5,062 |
| Return on Equity (ROE) | -117.5820% | 5,065 |
| Retained earnings to average equity (ytd only) | -117.5820% | 5,062 |
| Net charge-offs to loans | 1.1502% | 120 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | -17.7143% | 2,997 |
| Efficiency ratio | 241.7143% | 14 |
| Assets per employee ($millions) | 0.6131% | 5,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6826% | 79 |
| 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 | 55.1886% | 3,758 |
| Net loans and leases to deposits | 59.0146% | 4,166 |
| Net loans and leases to core deposits | 79.8290% | 2,963 |
| Total domestic deposits to total assets | 93.5168% | 10 |
| Equity capital to assets | 5.7492% | 5,042 |
| Core capital (leverage) ratio | 5.7734% | 5,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4229% | 3,097 |
| Memoranda: | ||
| Average total assets | $9,557,667 | 5,065 |
| Average earning assets | $8,941,000 | 5,051 |
| Average equity | $843,667 | 5,062 |
| Average total loans | $4,868,667 | 5,014 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1193% | 767 |
| Cost of funding earning assets | 2.0754% | 25 |
| Net interest margin | 3.0439% | 4,206 |
| Noninterest income to average assets | 5.6831% | 87 |
| Noninterest expense to average assets | 18.6609% | 43 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -10.1787% | 5,108 |
| Return on assets (ROA) | -10.1787% | 5,107 |
| Pretax return on assets | -10.1787% | 5,106 |
| Return on Equity (ROE) | -97.6106% | 5,112 |
| Retained earnings to average equity (ytd only) | -97.6106% | 5,105 |
| Net charge-offs to loans | 0.5342% | 273 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | -40.0000% | 2,555 |
| Efficiency ratio | 220.0000% | 20 |
| Assets per employee ($millions) | 0.5317% | 5,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8890% | 44 |
| Loan loss allowance to noncurrent loans | 995.6522% | 565 |
| Noncurrent assets plus other real estate owned to assets | 0.2403% | 3,498 |
| Noncurrent loans to loans | 0.4910% | 2,790 |
| Net loans and leases to total assets | 46.5517% | 4,401 |
| Net loans and leases to deposits | 51.3485% | 4,550 |
| Net loans and leases to core deposits | 68.0464% | 3,986 |
| Total domestic deposits to total assets | 90.6583% | 157 |
| Equity capital to assets | 8.8192% | 4,683 |
| Core capital (leverage) ratio | 8.7853% | 4,607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8084% | 1,007 |
| Memoranda: | ||
| Average total assets | $9,431,500 | 5,115 |
| Average earning assets | $8,673,000 | 5,101 |
| Average equity | $983,500 | 5,110 |
| Average total loans | $4,492,500 | 5,066 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1843% | 1,029 |
| Cost of funding earning assets | 2.0012% | 63 |
| Net interest margin | 3.1831% | 4,222 |
| Noninterest income to average assets | 11.6757% | 55 |
| Noninterest expense to average assets | 20.0109% | 40 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | -5.3754% | 5,166 |
| Return on assets (ROA) | -5.3754% | 5,166 |
| Pretax return on assets | -5.3754% | 5,166 |
| Return on Equity (ROE) | -55.5056% | 5,171 |
| Retained earnings to average equity (ytd only) | -55.5056% | 5,167 |
| Net charge-offs to loans | -0.1337% | 4,997 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 136.7286% | 55 |
| Assets per employee ($millions) | 0.4425% | 5,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4638% | 24 |
| Loan loss allowance to noncurrent loans | 1,068.1818% | 559 |
| Noncurrent assets plus other real estate owned to assets | 0.3013% | 3,227 |
| Noncurrent loans to loans | 0.5115% | 2,655 |
| Net loans and leases to total assets | 43.7534% | 4,612 |
| Net loans and leases to deposits | 50.1604% | 4,681 |
| Net loans and leases to core deposits | 67.8798% | 4,087 |
| Total domestic deposits to total assets | 87.2269% | 1,501 |
| Equity capital to assets | 12.0844% | 2,086 |
| Core capital (leverage) ratio | 12.5953% | 1,432 |
| Tier 1 risk-based capital ratio | 21.9679% | 1,030 |
| Total risk-based capital ratio | 23.2590% | 1,001 |
| Memoranda: | ||
| Average total assets | $9,190,000 | 5,174 |
| Average earning assets | $8,545,000 | 5,162 |
| Average equity | $890,000 | 5,172 |
| Average total loans | $4,486,000 | 5,128 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2338% | 971 |
| Cost of funding earning assets | 1.8990% | 98 |
| Net interest margin | 3.3348% | 4,029 |
| Noninterest income to average assets | 12.7157% | 52 |
| Noninterest expense to average assets | 19.2337% | 39 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | -3.3754% | 5,228 |
| Return on assets (ROA) | -3.3754% | 5,228 |
| Pretax return on assets | -3.3754% | 5,227 |
| Return on Equity (ROE) | -37.1903% | 5,245 |
| Retained earnings to average equity (ytd only) | -37.1903% | 5,236 |
| Net charge-offs to loans | -0.1472% | 5,065 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.2844% | 78 |
| Assets per employee ($millions) | 0.4031% | 5,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5648% | 27 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0677% | 4,379 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 44.9656% | 4,656 |
| Net loans and leases to deposits | 49.9687% | 4,773 |
| Net loans and leases to core deposits | 67.8347% | 4,183 |
| Total domestic deposits to total assets | 89.9876% | 287 |
| Equity capital to assets | 7.8814% | 5,155 |
| Core capital (leverage) ratio | 7.7710% | 5,151 |
| Tier 1 risk-based capital ratio | 16.6706% | 2,199 |
| Total risk-based capital ratio | 17.9585% | 2,120 |
| Memoranda: | ||
| Average total assets | $9,164,250 | 5,252 |
| Average earning assets | $8,636,000 | 5,240 |
| Average equity | $831,750 | 5,250 |
| Average total loans | $4,532,250 | 5,206 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1209% | 1,171 |
| Cost of funding earning assets | 1.8223% | 119 |
| Net interest margin | 3.2986% | 4,151 |
| Noninterest income to average assets | 15.5247% | 44 |
| Noninterest expense to average assets | 19.3249% | 39 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -0.7125% | 5,207 |
| Return on assets (ROA) | -0.7125% | 5,210 |
| Pretax return on assets | -0.7125% | 5,205 |
| Return on Equity (ROE) | -7.5342% | 5,221 |
| Retained earnings to average equity (ytd only) | -7.5342% | 5,127 |
| Net charge-offs to loans | -0.3020% | 5,184 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.8283% | 133 |
| Assets per employee ($millions) | 0.4378% | 5,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9311% | 21 |
| Loan loss allowance to noncurrent loans | 11,800.0000% | 73 |
| Noncurrent assets plus other real estate owned to assets | 0.0870% | 4,334 |
| Noncurrent loans to loans | 0.0503% | 4,463 |
| Net loans and leases to total assets | 40.7158% | 4,828 |
| Net loans and leases to deposits | 45.4523% | 4,919 |
| Net loans and leases to core deposits | 60.9014% | 4,543 |
| Total domestic deposits to total assets | 89.5790% | 458 |
| Equity capital to assets | 9.7683% | 4,172 |
| Core capital (leverage) ratio | 9.6187% | 4,014 |
| Tier 1 risk-based capital ratio | 23.4956% | 897 |
| Total risk-based capital ratio | 24.8038% | 867 |
| Memoranda: | ||
| Average total assets | $9,262,670 | 5,300 |
| Average earning assets | $8,670,330 | 5,286 |
| Average equity | $876,000 | 5,297 |
| Average total loans | $4,635,330 | 5,253 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3312% | 716 |
| Cost of funding earning assets | 1.7303% | 143 |
| Net interest margin | 3.6009% | 3,245 |
| Noninterest income to average assets | 24.3937% | 35 |
| Noninterest expense to average assets | 18.6287% | 38 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 9.0777% | 21 |
| Return on assets (ROA) | 9.0777% | 23 |
| Pretax return on assets | 9.0777% | 29 |
| Return on Equity (ROE) | 97.5723% | 5 |
| Retained earnings to average equity (ytd only) | 97.5723% | 2 |
| Net charge-offs to loans | -0.5641% | 5,282 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2360% | 2,753 |
| Assets per employee ($millions) | 0.3980% | 5,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3661% | 28 |
| Loan loss allowance to noncurrent loans | 421.4286% | 1,203 |
| Noncurrent assets plus other real estate owned to assets | 0.6490% | 2,150 |
| Noncurrent loans to loans | 1.2733% | 1,291 |
| Net loans and leases to total assets | 43.5675% | 4,760 |
| Net loans and leases to deposits | 49.8742% | 4,817 |
| Net loans and leases to core deposits | 61.4862% | 4,511 |
| Total domestic deposits to total assets | 87.3548% | 1,637 |
| Equity capital to assets | 11.9544% | 2,044 |
| Core capital (leverage) ratio | 13.0619% | 1,243 |
| Tier 1 risk-based capital ratio | 26.6511% | 645 |
| Total risk-based capital ratio | 27.9347% | 632 |
| Memoranda: | ||
| Average total assets | $9,297,500 | 5,358 |
| Average earning assets | $8,553,500 | 5,347 |
| Average equity | $865,000 | 5,357 |
| Average total loans | $4,963,500 | 5,310 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3918% | 103 |
| Cost of funding earning assets | 1.3540% | 169 |
| Net interest margin | 5.0378% | 248 |
| Noninterest income to average assets | 6.3575% | 78 |
| Noninterest expense to average assets | 17.5416% | 40 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | -6.7934% | 5,402 |
| Return on assets (ROA) | -6.7934% | 5,402 |
| Pretax return on assets | -6.7934% | 5,402 |
| Return on Equity (ROE) | -71.0790% | 5,398 |
| Retained earnings to average equity (ytd only) | -71.0790% | 5,397 |
| Net charge-offs to loans | 1.1717% | 108 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | -9.5373% | 3,754 |
| Efficiency ratio | 163.2047% | 19 |
| Assets per employee ($millions) | 0.3768% | 5,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1418% | 53 |
| Loan loss allowance to noncurrent loans | 123.1183% | 3,075 |
| Noncurrent assets plus other real estate owned to assets | 2.2008% | 398 |
| Noncurrent loans to loans | 3.3641% | 276 |
| Net loans and leases to total assets | 58.6154% | 3,908 |
| Net loans and leases to deposits | 63.0652% | 4,309 |
| Net loans and leases to core deposits | 77.8153% | 3,598 |
| Total domestic deposits to total assets | 92.9440% | 35 |
| Equity capital to assets | 6.5030% | 5,362 |
| Core capital (leverage) ratio | 6.5581% | 5,371 |
| Tier 1 risk-based capital ratio | 9.9090% | 5,332 |
| Total risk-based capital ratio | 11.1898% | 5,271 |
| Memoranda: | ||
| Average total assets | $9,406,200 | 5,401 |
| Average earning assets | $8,198,000 | 5,391 |
| Average equity | $899,000 | 5,401 |
| Average total loans | $5,718,400 | 5,352 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3137% | 105 |
| Cost of funding earning assets | 1.2241% | 229 |
| Net interest margin | 5.0896% | 219 |
| Noninterest income to average assets | 6.0367% | 84 |
| Noninterest expense to average assets | 17.2958% | 40 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | -6.8228% | 5,473 |
| Return on assets (ROA) | -6.8228% | 5,473 |
| Pretax return on assets | -6.8228% | 5,471 |
| Return on Equity (ROE) | -66.3404% | 5,472 |
| Retained earnings to average equity (ytd only) | -66.3404% | 5,471 |
| Net charge-offs to loans | 1.6418% | 69 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | -6.8453% | 3,462 |
| Efficiency ratio | 165.1475% | 17 |
| Assets per employee ($millions) | 0.4286% | 5,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9543% | 65 |
| Loan loss allowance to noncurrent loans | 153.0612% | 2,708 |
| Noncurrent assets plus other real estate owned to assets | 1.7889% | 651 |
| Noncurrent loans to loans | 2.5835% | 498 |
| Net loans and leases to total assets | 60.7222% | 3,774 |
| Net loans and leases to deposits | 66.7277% | 4,149 |
| Net loans and leases to core deposits | 82.7529% | 3,272 |
| Total domestic deposits to total assets | 91.0000% | 220 |
| Equity capital to assets | 8.2333% | 5,069 |
| Core capital (leverage) ratio | 8.3748% | 5,157 |
| Tier 1 risk-based capital ratio | 12.4559% | 4,220 |
| Total risk-based capital ratio | 13.7334% | 4,095 |
| Memoranda: | ||
| Average total assets | $9,497,250 | 5,472 |
| Average earning assets | $8,278,000 | 5,460 |
| Average equity | $976,750 | 5,471 |
| Average total loans | $5,765,750 | 5,420 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2507% | 104 |
| Cost of funding earning assets | 1.1086% | 279 |
| Net interest margin | 5.1421% | 190 |
| Noninterest income to average assets | 5.6297% | 89 |
| Noninterest expense to average assets | 17.5722% | 40 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -7.4304% | 5,540 |
| Return on assets (ROA) | -7.4304% | 5,539 |
| Pretax return on assets | -7.4304% | 5,538 |
| Return on Equity (ROE) | -68.0356% | 5,538 |
| Retained earnings to average equity (ytd only) | -68.0356% | 5,537 |
| Net charge-offs to loans | 2.4521% | 38 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | -5.0563% | 3,173 |
| Efficiency ratio | 173.2653% | 17 |
| Assets per employee ($millions) | 0.3953% | 5,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1021% | 55 |
| Loan loss allowance to noncurrent loans | 152.0270% | 2,748 |
| Noncurrent assets plus other real estate owned to assets | 1.8629% | 602 |
| Noncurrent loans to loans | 2.6983% | 450 |
| Net loans and leases to total assets | 60.4876% | 3,762 |
| Net loans and leases to deposits | 67.6093% | 4,039 |
| Net loans and leases to core deposits | 88.4034% | 2,689 |
| Total domestic deposits to total assets | 89.4664% | 754 |
| Equity capital to assets | 9.9816% | 3,644 |
| Core capital (leverage) ratio | 9.5996% | 3,996 |
| Tier 1 risk-based capital ratio | 15.5361% | 2,623 |
| Total risk-based capital ratio | 16.8069% | 2,551 |
| Memoranda: | ||
| Average total assets | $9,663,000 | 5,536 |
| Average earning assets | $8,479,000 | 5,524 |
| Average equity | $1,055,330 | 5,534 |
| Average total loans | $5,791,000 | 5,483 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0779% | 122 |
| Cost of funding earning assets | 0.9832% | 400 |
| Net interest margin | 5.0947% | 196 |
| Noninterest income to average assets | 6.0316% | 82 |
| Noninterest expense to average assets | 16.6757% | 42 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -6.1499% | 5,596 |
| Return on assets (ROA) | -6.1499% | 5,595 |
| Pretax return on assets | -6.1499% | 5,595 |
| Return on Equity (ROE) | -54.3081% | 5,593 |
| Retained earnings to average equity (ytd only) | -54.3081% | 5,588 |
| Net charge-offs to loans | 4.7779% | 19 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | -2.1972% | 2,681 |
| Efficiency ratio | 158.4270% | 29 |
| Assets per employee ($millions) | 0.5242% | 5,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8521% | 69 |
| Loan loss allowance to noncurrent loans | 533.3333% | 1,035 |
| Noncurrent assets plus other real estate owned to assets | 0.5299% | 2,756 |
| Noncurrent loans to loans | 0.7223% | 2,404 |
| Net loans and leases to total assets | 59.2518% | 3,828 |
| Net loans and leases to deposits | 67.2561% | 4,002 |
| Net loans and leases to core deposits | 79.9971% | 3,325 |
| Total domestic deposits to total assets | 88.0988% | 1,562 |
| Equity capital to assets | 11.3501% | 2,255 |
| Core capital (leverage) ratio | 10.5559% | 2,886 |
| Tier 1 risk-based capital ratio | 16.3937% | 2,323 |
| Total risk-based capital ratio | 17.6642% | 2,254 |
| Memoranda: | ||
| Average total assets | $10,146,500 | 5,599 |
| Average earning assets | $8,950,500 | 5,588 |
| Average equity | $1,149,000 | 5,593 |
| Average total loans | $5,944,000 | 5,544 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8291% | 59 |
| Cost of funding earning assets | 0.9603% | 273 |
| Net interest margin | 5.8688% | 78 |
| Noninterest income to average assets | 6.4405% | 83 |
| Noninterest expense to average assets | 13.9834% | 46 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -2.2915% | 5,644 |
| Return on assets (ROA) | -2.2915% | 5,643 |
| Pretax return on assets | -2.2915% | 5,645 |
| Return on Equity (ROE) | -23.1214% | 5,649 |
| Retained earnings to average equity (ytd only) | -23.1214% | 5,629 |
| Net charge-offs to loans | -0.1121% | 5,398 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.5991% | 67 |
| Assets per employee ($millions) | 0.7238% | 5,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8740% | 39 |
| Loan loss allowance to noncurrent loans | 688.3721% | 854 |
| Noncurrent assets plus other real estate owned to assets | 0.4697% | 2,990 |
| Noncurrent loans to loans | 0.7081% | 2,435 |
| Net loans and leases to total assets | 53.2099% | 4,422 |
| Net loans and leases to deposits | 60.4985% | 4,536 |
| Net loans and leases to core deposits | 70.2115% | 4,163 |
| Total domestic deposits to total assets | 87.9525% | 1,531 |
| Equity capital to assets | 11.3015% | 2,360 |
| Core capital (leverage) ratio | 11.0491% | 2,291 |
| Tier 1 risk-based capital ratio | 18.9148% | 1,521 |
| Total risk-based capital ratio | 20.1942% | 1,474 |
| Memoranda: | ||
| Average total assets | $11,520,800 | 5,659 |
| Average earning assets | $10,308,800 | 5,648 |
| Average equity | $1,141,800 | 5,660 |
| Average total loans | $7,133,600 | 5,594 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0656% | 57 |
| Cost of funding earning assets | 0.9293% | 296 |
| Net interest margin | 6.1363% | 64 |
| Noninterest income to average assets | 6.1607% | 93 |
| Noninterest expense to average assets | 13.5306% | 51 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -1.8710% | 5,708 |
| Return on assets (ROA) | -1.8710% | 5,708 |
| Pretax return on assets | -1.8710% | 5,707 |
| Return on Equity (ROE) | -19.5145% | 5,709 |
| Retained earnings to average equity (ytd only) | -19.5145% | 5,678 |
| Net charge-offs to loans | 0.2523% | 862 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | -11.7118% | 3,771 |
| Efficiency ratio | 116.0470% | 74 |
| Assets per employee ($millions) | 0.7671% | 5,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2547% | 56 |
| Loan loss allowance to noncurrent loans | 570.8333% | 929 |
| Noncurrent assets plus other real estate owned to assets | 0.4171% | 3,357 |
| Noncurrent loans to loans | 0.7453% | 2,499 |
| Net loans and leases to total assets | 53.5848% | 4,446 |
| Net loans and leases to deposits | 60.9891% | 4,582 |
| Net loans and leases to core deposits | 70.1240% | 4,238 |
| Total domestic deposits to total assets | 87.8596% | 1,440 |
| Equity capital to assets | 11.5321% | 2,330 |
| Core capital (leverage) ratio | 11.7361% | 1,861 |
| Tier 1 risk-based capital ratio | 21.9811% | 1,044 |
| Total risk-based capital ratio | 23.2566% | 1,029 |
| Memoranda: | ||
| Average total assets | $11,686,750 | 5,724 |
| Average earning assets | $10,473,000 | 5,712 |
| Average equity | $1,120,500 | 5,728 |
| Average total loans | $7,398,750 | 5,651 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.1433% | 10 |
| Cost of funding earning assets | 0.9277% | 259 |
| Net interest margin | 13.2155% | 9 |
| Noninterest income to average assets | 1.2259% | 692 |
| Noninterest expense to average assets | 14.2679% | 48 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -1.1578% | 5,726 |
| Return on assets (ROA) | -1.1578% | 5,726 |
| Pretax return on assets | -1.1578% | 5,722 |
| Return on Equity (ROE) | -12.9318% | 5,734 |
| Retained earnings to average equity (ytd only) | -12.9318% | 5,686 |
| Net charge-offs to loans | -0.0259% | 4,889 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.8312% | 109 |
| Assets per employee ($millions) | 0.6932% | 5,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7857% | 73 |
| Loan loss allowance to noncurrent loans | 437.8788% | 1,166 |
| Noncurrent assets plus other real estate owned to assets | 0.5951% | 2,789 |
| Noncurrent loans to loans | 0.8646% | 2,253 |
| Net loans and leases to total assets | 66.2249% | 3,069 |
| Net loans and leases to deposits | 73.4941% | 3,597 |
| Net loans and leases to core deposits | 84.6101% | 3,004 |
| Total domestic deposits to total assets | 90.1091% | 505 |
| Equity capital to assets | 9.0073% | 4,893 |
| Core capital (leverage) ratio | 8.7863% | 4,964 |
| Tier 1 risk-based capital ratio | 15.3882% | 2,754 |
| Total risk-based capital ratio | 16.6667% | 2,677 |
| Memoranda: | ||
| Average total assets | $11,746,670 | 5,772 |
| Average earning assets | $10,563,330 | 5,761 |
| Average equity | $1,051,670 | 5,778 |
| Average total loans | $7,718,330 | 5,694 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.6349% | 11 |
| Cost of funding earning assets | 0.8844% | 304 |
| Net interest margin | 12.7505% | 10 |
| Noninterest income to average assets | 0.5300% | 2,764 |
| Noninterest expense to average assets | 11.2303% | 59 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7619% | 3,415 |
| Return on assets (ROA) | 0.7619% | 3,466 |
| Pretax return on assets | 0.7619% | 4,239 |
| Return on Equity (ROE) | 8.5343% | 2,655 |
| Retained earnings to average equity (ytd only) | 8.5343% | 1,262 |
| Net charge-offs to loans | -0.0515% | 5,201 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6464% | 396 |
| Assets per employee ($millions) | 0.7809% | 5,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7719% | 94 |
| Loan loss allowance to noncurrent loans | 802.7778% | 706 |
| Noncurrent assets plus other real estate owned to assets | 0.3074% | 3,960 |
| Noncurrent loans to loans | 0.4699% | 3,409 |
| Net loans and leases to total assets | 62.9472% | 3,407 |
| Net loans and leases to deposits | 70.1856% | 3,774 |
| Net loans and leases to core deposits | 74.1378% | 3,819 |
| Total domestic deposits to total assets | 89.6867% | 801 |
| Equity capital to assets | 9.3059% | 4,504 |
| Core capital (leverage) ratio | 9.0202% | 4,709 |
| Tier 1 risk-based capital ratio | 15.9194% | 2,586 |
| Total risk-based capital ratio | 17.2046% | 2,517 |
| Memoranda: | ||
| Average total assets | $12,074,500 | 5,839 |
| Average earning assets | $10,854,500 | 5,827 |
| Average equity | $1,078,000 | 5,845 |
| Average total loans | $7,760,500 | 5,761 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.0053% | 18 |
| Cost of funding earning assets | 0.8764% | 334 |
| Net interest margin | 10.1290% | 17 |
| Noninterest income to average assets | 0.4255% | 3,710 |
| Noninterest expense to average assets | 11.0620% | 67 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -1.4766% | 5,860 |
| Return on assets (ROA) | -1.4766% | 5,862 |
| Pretax return on assets | -1.4766% | 5,858 |
| Return on Equity (ROE) | -18.4529% | 5,873 |
| Retained earnings to average equity (ytd only) | -18.4529% | 5,849 |
| Net charge-offs to loans | -0.0278% | 5,216 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.4047% | 100 |
| Assets per employee ($millions) | 0.7327% | 5,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6553% | 97 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 60.9425% | 3,741 |
| Net loans and leases to deposits | 67.8495% | 4,092 |
| Net loans and leases to core deposits | 71.4245% | 4,118 |
| Total domestic deposits to total assets | 89.8202% | 715 |
| Equity capital to assets | 8.5581% | 5,223 |
| Core capital (leverage) ratio | 8.8582% | 4,900 |
| Tier 1 risk-based capital ratio | 15.9605% | 2,565 |
| Total risk-based capital ratio | 17.2481% | 2,481 |
| Memoranda: | ||
| Average total assets | $11,987,000 | 5,895 |
| Average earning assets | $10,840,200 | 5,884 |
| Average equity | $959,200 | 5,908 |
| Average total loans | $7,196,400 | 5,829 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9729% | 26 |
| Cost of funding earning assets | 0.8948% | 304 |
| Net interest margin | 8.0782% | 30 |
| Noninterest income to average assets | 0.5167% | 3,139 |
| Noninterest expense to average assets | 10.1769% | 70 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -2.3589% | 5,951 |
| Return on assets (ROA) | -2.3589% | 5,951 |
| Pretax return on assets | -2.3589% | 5,947 |
| Return on Equity (ROE) | -30.0257% | 5,958 |
| Retained earnings to average equity (ytd only) | -30.0257% | 5,943 |
| Net charge-offs to loans | -0.0380% | 5,265 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 130.1724% | 57 |
| Assets per employee ($millions) | 0.6678% | 5,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8653% | 85 |
| Loan loss allowance to noncurrent loans | 296.9072% | 1,629 |
| Noncurrent assets plus other real estate owned to assets | 0.8070% | 2,523 |
| Noncurrent loans to loans | 1.3018% | 1,710 |
| Net loans and leases to total assets | 59.5923% | 3,930 |
| Net loans and leases to deposits | 66.2321% | 4,319 |
| Net loans and leases to core deposits | 69.8420% | 4,339 |
| Total domestic deposits to total assets | 89.9750% | 492 |
| Equity capital to assets | 8.5940% | 5,477 |
| Core capital (leverage) ratio | 8.6683% | 5,191 |
| Tier 1 risk-based capital ratio | 17.6190% | 2,036 |
| Total risk-based capital ratio | 18.9323% | 1,972 |
| Memoranda: | ||
| Average total assets | $11,869,750 | 5,961 |
| Average earning assets | $10,728,250 | 5,950 |
| Average equity | $932,500 | 5,974 |
| Average total loans | $7,025,750 | 5,895 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7616% | 43 |
| Cost of funding earning assets | 0.8603% | 357 |
| Net interest margin | 6.9013% | 42 |
| Noninterest income to average assets | 0.1354% | 5,634 |
| Noninterest expense to average assets | 9.0696% | 84 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -2.6904% | 6,029 |
| Return on assets (ROA) | -2.6904% | 6,030 |
| Pretax return on assets | -2.6904% | 6,025 |
| Return on Equity (ROE) | -35.3726% | 6,035 |
| Retained earnings to average equity (ytd only) | -35.3726% | 6,018 |
| Net charge-offs to loans | -0.0291% | 5,107 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 142.1751% | 49 |
| Assets per employee ($millions) | 0.8067% | 6,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8267% | 98 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 59.6116% | 3,938 |
| Net loans and leases to deposits | 65.9806% | 4,348 |
| Net loans and leases to core deposits | 69.5229% | 4,362 |
| Total domestic deposits to total assets | 90.3471% | 369 |
| Equity capital to assets | 8.9587% | 5,272 |
| Core capital (leverage) ratio | 8.6402% | 5,225 |
| Tier 1 risk-based capital ratio | 18.3947% | 1,826 |
| Total risk-based capital ratio | 19.6844% | 1,776 |
| Memoranda: | ||
| Average total assets | $11,819,670 | 6,040 |
| Average earning assets | $10,693,670 | 6,028 |
| Average equity | $899,000 | 6,051 |
| Average total loans | $6,884,000 | 5,974 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3636% | 85 |
| Cost of funding earning assets | 0.8333% | 415 |
| Net interest margin | 5.5303% | 109 |
| Noninterest income to average assets | 0.1712% | 5,465 |
| Noninterest expense to average assets | 8.6305% | 92 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -3.4591% | 6,098 |
| Return on assets (ROA) | -3.4591% | 6,098 |
| Pretax return on assets | -3.4591% | 6,092 |
| Return on Equity (ROE) | -50.0930% | 6,103 |
| Retained earnings to average equity (ytd only) | -50.0930% | 6,077 |
| Net charge-offs to loans | -0.0608% | 5,422 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 166.8874% | 36 |
| Assets per employee ($millions) | 0.8544% | 6,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0834% | 84 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 56.1612% | 4,240 |
| Net loans and leases to deposits | 60.3594% | 4,692 |
| Net loans and leases to core deposits | 63.5272% | 4,725 |
| Total domestic deposits to total assets | 93.0446% | 42 |
| Equity capital to assets | 6.3200% | 6,054 |
| Core capital (leverage) ratio | 6.5699% | 6,026 |
| Tier 1 risk-based capital ratio | 13.4735% | 3,992 |
| Total risk-based capital ratio | 14.7567% | 3,899 |
| Memoranda: | ||
| Average total assets | $11,679,500 | 6,102 |
| Average earning assets | $10,560,000 | 6,090 |
| Average equity | $806,500 | 6,115 |
| Average total loans | $6,576,000 | 6,040 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5370% | 74 |
| Cost of funding earning assets | 0.7563% | 620 |
| Net interest margin | 5.7807% | 84 |
| Noninterest income to average assets | 0.0661% | 5,962 |
| Noninterest expense to average assets | 8.2973% | 101 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -3.1811% | 6,165 |
| Return on assets (ROA) | -3.1433% | 6,166 |
| Pretax return on assets | -3.1433% | 6,165 |
| Return on Equity (ROE) | -32.6791% | 6,159 |
| Retained earnings to average equity (ytd only) | -32.6791% | 6,153 |
| Net charge-offs to loans | -0.0381% | 5,480 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 162.1771% | 28 |
| Assets per employee ($millions) | 1.2663% | 6,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6519% | 59 |
| Loan loss allowance to noncurrent loans | 426.8657% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 0.5879% | 3,322 |
| Noncurrent loans to loans | 1.0898% | 2,161 |
| Net loans and leases to total assets | 51.4346% | 4,740 |
| Net loans and leases to deposits | 57.0289% | 4,978 |
| Net loans and leases to core deposits | 60.2776% | 4,963 |
| Total domestic deposits to total assets | 90.1904% | 549 |
| Equity capital to assets | 7.5195% | 5,979 |
| Core capital (leverage) ratio | 8.0356% | 5,820 |
| Tier 1 risk-based capital ratio | 12.8082% | 4,447 |
| Total risk-based capital ratio | 14.0936% | 4,322 |
| Memoranda: | ||
| Average total assets | $10,593,800 | 6,171 |
| Average earning assets | $9,255,000 | 6,156 |
| Average equity | $1,019,000 | 6,173 |
| Average total loans | $5,253,200 | 6,114 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7903% | 65 |
| Cost of funding earning assets | 0.7265% | 725 |
| Net interest margin | 6.0638% | 70 |
| Noninterest income to average assets | 0.1027% | 5,957 |
| Noninterest expense to average assets | 8.4414% | 101 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -3.0918% | 6,248 |
| Return on assets (ROA) | -3.0918% | 6,250 |
| Pretax return on assets | -3.0918% | 6,249 |
| Return on Equity (ROE) | -30.3285% | 6,242 |
| Retained earnings to average equity (ytd only) | -30.3285% | 6,231 |
| Net charge-offs to loans | -0.0264% | 5,302 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 157.7938% | 35 |
| Assets per employee ($millions) | 1.2176% | 6,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7256% | 65 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 52.4366% | 4,714 |
| Net loans and leases to deposits | 57.8243% | 5,012 |
| Net loans and leases to core deposits | 61.2319% | 4,987 |
| Total domestic deposits to total assets | 90.6826% | 345 |
| Equity capital to assets | 8.6603% | 5,602 |
| Core capital (leverage) ratio | 9.1049% | 4,874 |
| Tier 1 risk-based capital ratio | 15.8935% | 2,847 |
| Total risk-based capital ratio | 17.1831% | 2,771 |
| Memoranda: | ||
| Average total assets | $10,393,000 | 6,259 |
| Average earning assets | $8,993,000 | 6,247 |
| Average equity | $1,059,500 | 6,260 |
| Average total loans | $5,029,500 | 6,201 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3573% | 86 |
| Cost of funding earning assets | 0.7064% | 813 |
| Net interest margin | 5.6509% | 101 |
| Noninterest income to average assets | 0.1372% | 5,873 |
| Noninterest expense to average assets | 8.6823% | 98 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -3.6846% | 6,331 |
| Return on assets (ROA) | -3.6846% | 6,332 |
| Pretax return on assets | -3.6846% | 6,331 |
| Return on Equity (ROE) | -34.2962% | 6,321 |
| Retained earnings to average equity (ytd only) | -34.2962% | 6,306 |
| Net charge-offs to loans | -0.0426% | 5,481 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 173.7255% | 25 |
| Assets per employee ($millions) | 1.1421% | 6,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2700% | 55 |
| Loan loss allowance to noncurrent loans | 2,192.3077% | 274 |
| Noncurrent assets plus other real estate owned to assets | 0.1265% | 5,355 |
| Noncurrent loans to loans | 0.2404% | 4,795 |
| Net loans and leases to total assets | 49.8395% | 4,947 |
| Net loans and leases to deposits | 55.7151% | 5,135 |
| Net loans and leases to core deposits | 59.2803% | 5,117 |
| Total domestic deposits to total assets | 89.4542% | 919 |
| Equity capital to assets | 9.7480% | 4,348 |
| Core capital (leverage) ratio | 9.4985% | 4,284 |
| Tier 1 risk-based capital ratio | 18.4496% | 1,931 |
| Total risk-based capital ratio | 19.7754% | 1,875 |
| Memoranda: | ||
| Average total assets | $10,204,670 | 6,336 |
| Average earning assets | $8,777,330 | 6,323 |
| Average equity | $1,096,330 | 6,335 |
| Average total loans | $4,695,670 | 6,282 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9381% | 3,465 |
| Cost of funding earning assets | 0.6486% | 1,126 |
| Net interest margin | 3.2895% | 4,265 |
| Noninterest income to average assets | 2.5965% | 259 |
| Noninterest expense to average assets | 9.0484% | 95 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -3.6587% | 6,396 |
| Return on assets (ROA) | -3.6587% | 6,395 |
| Pretax return on assets | -3.6587% | 6,393 |
| Return on Equity (ROE) | -32.5317% | 6,386 |
| Retained earnings to average equity (ytd only) | -32.5317% | 6,352 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 167.8832% | 32 |
| Assets per employee ($millions) | 1.1837% | 6,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4428% | 28 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 38.7121% | 5,679 |
| Net loans and leases to deposits | 43.4334% | 5,781 |
| Net loans and leases to core deposits | 47.4732% | 5,688 |
| Total domestic deposits to total assets | 89.1298% | 1,182 |
| Equity capital to assets | 10.2976% | 3,778 |
| Core capital (leverage) ratio | 10.9547% | 2,454 |
| Tier 1 risk-based capital ratio | 23.2514% | 1,078 |
| Total risk-based capital ratio | 24.5443% | 1,049 |
| Memoranda: | ||
| Average total assets | $10,167,500 | 6,404 |
| Average earning assets | $8,633,500 | 6,393 |
| Average equity | $1,143,500 | 6,398 |
| Average total loans | $4,339,500 | 6,354 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8624% | 990 |
| Cost of funding earning assets | 0.7344% | 924 |
| Net interest margin | 4.1279% | 1,497 |
| Noninterest income to average assets | 3.3313% | 172 |
| Noninterest expense to average assets | 9.6411% | 79 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -2.9266% | 6,477 |
| Return on assets (ROA) | -2.9266% | 6,477 |
| Pretax return on assets | -2.9266% | 6,475 |
| Return on Equity (ROE) | -26.0725% | 6,461 |
| Retained earnings to average equity (ytd only) | -26.0725% | 6,452 |
| Net charge-offs to loans | -1.4797% | 6,454 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 143.5858% | 61 |
| Assets per employee ($millions) | 1.0758% | 6,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6495% | 27 |
| Loan loss allowance to noncurrent loans | 167.0588% | 2,586 |
| Noncurrent assets plus other real estate owned to assets | 1.7558% | 1,501 |
| Noncurrent loans to loans | 3.9803% | 469 |
| Net loans and leases to total assets | 41.1795% | 5,678 |
| Net loans and leases to deposits | 47.2673% | 5,728 |
| Net loans and leases to core deposits | 52.2680% | 5,599 |
| Total domestic deposits to total assets | 87.1204% | 2,213 |
| Equity capital to assets | 12.2908% | 1,790 |
| Core capital (leverage) ratio | 12.3624% | 1,416 |
| Tier 1 risk-based capital ratio | 22.1891% | 1,197 |
| Total risk-based capital ratio | 22.5434% | 1,320 |
| Memoranda: | ||
| Average total assets | $9,635,800 | 6,499 |
| Average earning assets | $7,897,400 | 6,488 |
| Average equity | $1,081,600 | 6,494 |
| Average total loans | $4,325,200 | 6,446 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2200% | 2,921 |
| Cost of funding earning assets | 0.6921% | 1,187 |
| Net interest margin | 3.5279% | 3,725 |
| Noninterest income to average assets | 1.4407% | 609 |
| Noninterest expense to average assets | 7.9243% | 109 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -3.5880% | 6,565 |
| Return on assets (ROA) | -3.5880% | 6,565 |
| Pretax return on assets | -3.5880% | 6,565 |
| Return on Equity (ROE) | -32.7473% | 6,544 |
| Retained earnings to average equity (ytd only) | -32.7473% | 6,539 |
| Net charge-offs to loans | -1.9360% | 6,537 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 182.7476% | 26 |
| Assets per employee ($millions) | 1.1226% | 6,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8915% | 35 |
| Loan loss allowance to noncurrent loans | 164.1618% | 2,522 |
| Noncurrent assets plus other real estate owned to assets | 2.0885% | 1,343 |
| Noncurrent loans to loans | 4.1980% | 485 |
| Net loans and leases to total assets | 37.9788% | 5,944 |
| Net loans and leases to deposits | 44.4870% | 5,949 |
| Net loans and leases to core deposits | 49.0665% | 5,834 |
| Total domestic deposits to total assets | 85.3707% | 3,178 |
| Equity capital to assets | 12.0162% | 2,041 |
| Core capital (leverage) ratio | 12.6934% | 1,307 |
| Tier 1 risk-based capital ratio | 23.9353% | 995 |
| Total risk-based capital ratio | 25.2366% | 972 |
| Memoranda: | ||
| Average total assets | $9,624,250 | 6,578 |
| Average earning assets | $7,898,750 | 6,567 |
| Average equity | $1,054,500 | 6,575 |
| Average total loans | $4,338,750 | 6,525 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0241% | 3,638 |
| Cost of funding earning assets | 0.9087% | 412 |
| Net interest margin | 3.1154% | 5,212 |
| Noninterest income to average assets | 1.8595% | 391 |
| Noninterest expense to average assets | 8.4525% | 98 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -4.0572% | 6,642 |
| Return on assets (ROA) | -4.0572% | 6,643 |
| Pretax return on assets | -4.0572% | 6,642 |
| Return on Equity (ROE) | -38.3490% | 6,628 |
| Retained earnings to average equity (ytd only) | -38.3490% | 6,615 |
| Net charge-offs to loans | -0.0907% | 6,114 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 192.3077% | 24 |
| Assets per employee ($millions) | 0.9780% | 6,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2945% | 73 |
| Loan loss allowance to noncurrent loans | 127.5862% | 3,056 |
| Noncurrent assets plus other real estate owned to assets | 2.1677% | 1,418 |
| Noncurrent loans to loans | 4.1498% | 566 |
| Net loans and leases to total assets | 40.6033% | 5,777 |
| Net loans and leases to deposits | 46.9108% | 5,831 |
| Net loans and leases to core deposits | 49.9811% | 5,790 |
| Total domestic deposits to total assets | 86.5542% | 2,732 |
| Equity capital to assets | 13.0982% | 1,322 |
| Core capital (leverage) ratio | 13.5930% | 951 |
| Tier 1 risk-based capital ratio | 24.5826% | 921 |
| Total risk-based capital ratio | 25.8492% | 901 |
| Memoranda: | ||
| Average total assets | $9,464,670 | 6,647 |
| Average earning assets | $7,703,670 | 6,635 |
| Average equity | $1,001,330 | 6,641 |
| Average total loans | $4,411,330 | 6,590 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5129% | 1,776 |
| Cost of funding earning assets | 0.9026% | 443 |
| Net interest margin | 3.6103% | 3,212 |
| Noninterest income to average assets | 0.9885% | 1,155 |
| Noninterest expense to average assets | 9.1114% | 86 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -5.2004% | 6,712 |
| Return on assets (ROA) | -5.2004% | 6,712 |
| Pretax return on assets | -5.2004% | 6,710 |
| Return on Equity (ROE) | -56.1811% | 6,696 |
| Retained earnings to average equity (ytd only) | -56.1811% | 6,679 |
| Net charge-offs to loans | -0.0885% | 6,074 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 232.9670% | 20 |
| Assets per employee ($millions) | 0.9026% | 6,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8433% | 98 |
| Loan loss allowance to noncurrent loans | 127.0115% | 3,024 |
| Noncurrent assets plus other real estate owned to assets | 2.3488% | 1,387 |
| Noncurrent loans to loans | 3.8133% | 733 |
| Net loans and leases to total assets | 48.1055% | 5,114 |
| Net loans and leases to deposits | 52.9965% | 5,384 |
| Net loans and leases to core deposits | 56.5807% | 5,315 |
| Total domestic deposits to total assets | 90.7711% | 654 |
| Equity capital to assets | 8.8744% | 5,250 |
| Core capital (leverage) ratio | 8.7264% | 5,350 |
| Tier 1 risk-based capital ratio | 14.1121% | 4,253 |
| Total risk-based capital ratio | 15.1339% | 4,357 |
| Memoranda: | ||
| Average total assets | $9,307,000 | 6,720 |
| Average earning assets | $7,534,000 | 6,709 |
| Average equity | $861,500 | 6,713 |
| Average total loans | $4,520,500 | 6,659 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9074% | 1,083 |
| Cost of funding earning assets | 0.8076% | 1,175 |
| Net interest margin | 4.0999% | 1,639 |
| Noninterest income to average assets | 1.9726% | 397 |
| Noninterest expense to average assets | 8.3664% | 106 |
| Loan and lease loss provision to assets | 0.1289% | 2,702 |
| Net operating income to assets | -3.2514% | 6,771 |
| Return on assets (ROA) | -3.3307% | 6,769 |
| Pretax return on assets | -3.3307% | 6,768 |
| Return on Equity (ROE) | -31.2442% | 6,728 |
| Retained earnings to average equity (ytd only) | -31.2442% | 6,724 |
| Net charge-offs to loans | 1.2883% | 398 |
| Credit loss provision to net charge-offs | 18.5714% | 4,471 |
| Earnings coverage of net charge-offs (x) | -4.5000% | 5,382 |
| Efficiency ratio | 159.5463% | 57 |
| Assets per employee ($millions) | 0.9588% | 6,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9352% | 97 |
| Loan loss allowance to noncurrent loans | 125.5682% | 3,056 |
| Noncurrent assets plus other real estate owned to assets | 2.2320% | 1,591 |
| Noncurrent loans to loans | 3.9303% | 746 |
| Net loans and leases to total assets | 44.3992% | 5,639 |
| Net loans and leases to deposits | 49.3279% | 5,809 |
| Net loans and leases to core deposits | 52.4778% | 5,758 |
| Total domestic deposits to total assets | 90.0083% | 1,073 |
| Equity capital to assets | 9.6162% | 4,266 |
| Core capital (leverage) ratio | 8.7335% | 5,376 |
| Tier 1 risk-based capital ratio | 16.5678% | 2,816 |
| Total risk-based capital ratio | 17.8616% | 2,758 |
| Memoranda: | ||
| Average total assets | $10,088,000 | 6,794 |
| Average earning assets | $8,049,000 | 6,792 |
| Average equity | $1,075,400 | 6,794 |
| Average total loans | $5,433,600 | 6,724 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0511% | 847 |
| Cost of funding earning assets | 0.8174% | 1,222 |
| Net interest margin | 4.2337% | 1,235 |
| Noninterest income to average assets | 0.7833% | 2,235 |
| Noninterest expense to average assets | 7.9243% | 119 |
| Loan and lease loss provision to assets | 0.1175% | 2,829 |
| Net operating income to assets | -3.8773% | 6,869 |
| Return on assets (ROA) | -3.9818% | 6,870 |
| Pretax return on assets | -3.9818% | 6,869 |
| Return on Equity (ROE) | -36.5127% | 6,836 |
| Retained earnings to average equity (ytd only) | -36.5127% | 6,832 |
| Net charge-offs to loans | 1.6453% | 261 |
| Credit loss provision to net charge-offs | 12.8571% | 4,184 |
| Earnings coverage of net charge-offs (x) | -4.1143% | 5,125 |
| Efficiency ratio | 190.2821% | 36 |
| Assets per employee ($millions) | 0.8925% | 6,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0894% | 218 |
| Loan loss allowance to noncurrent loans | 119.3370% | 3,036 |
| Noncurrent assets plus other real estate owned to assets | 5.8674% | 420 |
| Noncurrent loans to loans | 3.4267% | 1,126 |
| Net loans and leases to total assets | 51.6044% | 4,929 |
| Net loans and leases to deposits | 57.3986% | 5,240 |
| Net loans and leases to core deposits | 60.9627% | 5,224 |
| Total domestic deposits to total assets | 89.9053% | 1,055 |
| Equity capital to assets | 9.6975% | 4,307 |
| Core capital (leverage) ratio | 9.9927% | 3,689 |
| Tier 1 risk-based capital ratio | 14.3546% | 4,182 |
| Total risk-based capital ratio | 15.5458% | 4,161 |
| Memoranda: | ||
| Average total assets | $10,213,000 | 6,873 |
| Average earning assets | $8,156,500 | 6,868 |
| Average equity | $1,113,750 | 6,868 |
| Average total loans | $5,672,500 | 6,795 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1044% | 767 |
| Cost of funding earning assets | 0.8148% | 1,336 |
| Net interest margin | 4.2896% | 1,052 |
| Noninterest income to average assets | 0.5220% | 3,687 |
| Noninterest expense to average assets | 7.4239% | 134 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -3.4413% | 6,908 |
| Return on assets (ROA) | -3.4413% | 6,911 |
| Pretax return on assets | -3.4413% | 6,905 |
| Return on Equity (ROE) | -30.4881% | 6,864 |
| Retained earnings to average equity (ytd only) | -30.4881% | 6,851 |
| Net charge-offs to loans | 1.2063% | 478 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -5.0857% | 4,829 |
| Efficiency ratio | 186.4078% | 37 |
| Assets per employee ($millions) | 1.1328% | 6,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2613% | 209 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.8744% | 921 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 53.3301% | 4,689 |
| Net loans and leases to deposits | 59.8657% | 4,992 |
| Net loans and leases to core deposits | 63.4645% | 4,951 |
| Total domestic deposits to total assets | 89.0829% | 1,581 |
| Equity capital to assets | 10.5150% | 3,282 |
| Core capital (leverage) ratio | 10.6132% | 2,752 |
| Tier 1 risk-based capital ratio | 15.5732% | 3,441 |
| Total risk-based capital ratio | 16.8565% | 3,373 |
| Memoranda: | ||
| Average total assets | $10,345,000 | 6,922 |
| Average earning assets | $8,345,670 | 6,918 |
| Average equity | $1,167,670 | 6,913 |
| Average total loans | $5,802,670 | 6,838 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9944% | 898 |
| Cost of funding earning assets | 0.8010% | 1,520 |
| Net interest margin | 4.1934% | 1,205 |
| Noninterest income to average assets | 0.3455% | 4,921 |
| Noninterest expense to average assets | 6.7946% | 158 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -3.0326% | 6,968 |
| Return on assets (ROA) | -3.0326% | 6,970 |
| Pretax return on assets | -3.0326% | 6,966 |
| Return on Equity (ROE) | -25.9975% | 6,922 |
| Retained earnings to average equity (ytd only) | -25.9975% | 6,880 |
| Net charge-offs to loans | 2.5237% | 163 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -2.1351% | 4,024 |
| Efficiency ratio | 180.6122% | 50 |
| Assets per employee ($millions) | 1.1483% | 6,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3299% | 220 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.8220% | 1,077 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 51.5239% | 4,765 |
| Net loans and leases to deposits | 58.4010% | 4,987 |
| Net loans and leases to core deposits | 61.8898% | 4,962 |
| Total domestic deposits to total assets | 88.2245% | 2,177 |
| Equity capital to assets | 11.3788% | 2,552 |
| Core capital (leverage) ratio | 11.5042% | 1,882 |
| Tier 1 risk-based capital ratio | 15.3064% | 3,651 |
| Total risk-based capital ratio | 16.5841% | 3,588 |
| Memoranda: | ||
| Average total assets | $10,420,000 | 7,000 |
| Average earning assets | $8,489,500 | 6,994 |
| Average equity | $1,215,500 | 6,979 |
| Average total loans | $5,864,500 | 6,912 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4827% | 3,473 |
| Cost of funding earning assets | 0.9701% | 1,526 |
| Net interest margin | 3.5126% | 4,445 |
| Noninterest income to average assets | 0.7672% | 2,408 |
| Noninterest expense to average assets | 6.3934% | 190 |
| Loan and lease loss provision to assets | 0.1587% | 3,629 |
| Net operating income to assets | -2.7514% | 6,993 |
| Return on assets (ROA) | -2.7514% | 6,996 |
| Pretax return on assets | -2.7514% | 6,997 |
| Return on Equity (ROE) | -22.2412% | 6,906 |
| Retained earnings to average equity (ytd only) | -22.2412% | 6,877 |
| Net charge-offs to loans | 2.5129% | 242 |
| Credit loss provision to net charge-offs | 10.5882% | 5,390 |
| Earnings coverage of net charge-offs (x) | -1.7294% | 5,821 |
| Efficiency ratio | 168.2135% | 67 |
| Assets per employee ($millions) | 1.3131% | 7,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4946% | 187 |
| Loan loss allowance to noncurrent loans | 64.7196% | 4,462 |
| Noncurrent assets plus other real estate owned to assets | 4.4360% | 937 |
| Noncurrent loans to loans | 6.9447% | 464 |
| Net loans and leases to total assets | 56.0305% | 4,285 |
| Net loans and leases to deposits | 63.9227% | 4,543 |
| Net loans and leases to core deposits | 67.6863% | 4,573 |
| Total domestic deposits to total assets | 87.6535% | 2,446 |
| Equity capital to assets | 11.9467% | 2,076 |
| Core capital (leverage) ratio | 11.6633% | 1,759 |
| Tier 1 risk-based capital ratio | 16.0521% | 3,133 |
| Total risk-based capital ratio | 17.3919% | 3,034 |
| Memoranda: | ||
| Average total assets | $11,339,800 | 7,060 |
| Average earning assets | $9,793,200 | 7,048 |
| Average equity | $1,402,800 | 7,032 |
| Average total loans | $6,765,200 | 6,960 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3890% | 4,096 |
| Cost of funding earning assets | 0.9812% | 1,671 |
| Net interest margin | 3.4078% | 5,010 |
| Noninterest income to average assets | 0.6581% | 2,947 |
| Noninterest expense to average assets | 6.3268% | 189 |
| Loan and lease loss provision to assets | 0.1501% | 3,662 |
| Net operating income to assets | -2.8517% | 7,106 |
| Return on assets (ROA) | -2.8517% | 7,110 |
| Pretax return on assets | -2.8517% | 7,104 |
| Return on Equity (ROE) | -22.8741% | 7,019 |
| Retained earnings to average equity (ytd only) | -22.8741% | 7,006 |
| Net charge-offs to loans | 3.5666% | 123 |
| Credit loss provision to net charge-offs | 7.0270% | 5,109 |
| Earnings coverage of net charge-offs (x) | -1.2649% | 5,602 |
| Efficiency ratio | 174.5223% | 57 |
| Assets per employee ($millions) | 1.5844% | 7,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1545% | 270 |
| Loan loss allowance to noncurrent loans | 59.2166% | 4,683 |
| Noncurrent assets plus other real estate owned to assets | 4.2557% | 1,109 |
| Noncurrent loans to loans | 7.0158% | 519 |
| Net loans and leases to total assets | 53.4578% | 4,830 |
| Net loans and leases to deposits | 61.1742% | 5,063 |
| Net loans and leases to core deposits | 64.5790% | 5,089 |
| Total domestic deposits to total assets | 87.3862% | 2,437 |
| Equity capital to assets | 11.8925% | 2,358 |
| Core capital (leverage) ratio | 11.8273% | 1,759 |
| Tier 1 risk-based capital ratio | 16.6081% | 2,937 |
| Total risk-based capital ratio | 17.9011% | 2,887 |
| Memoranda: | ||
| Average total assets | $11,548,500 | 7,151 |
| Average earning assets | $10,055,250 | 7,139 |
| Average equity | $1,439,750 | 7,125 |
| Average total loans | $6,915,750 | 7,044 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3002% | 4,576 |
| Cost of funding earning assets | 1.0210% | 1,646 |
| Net interest margin | 3.2791% | 5,502 |
| Noninterest income to average assets | 0.4786% | 4,068 |
| Noninterest expense to average assets | 6.0850% | 213 |
| Loan and lease loss provision to assets | 0.2222% | 2,861 |
| Net operating income to assets | -2.9741% | 7,156 |
| Return on assets (ROA) | -2.9741% | 7,160 |
| Pretax return on assets | -2.9741% | 7,149 |
| Return on Equity (ROE) | -23.5135% | 7,062 |
| Retained earnings to average equity (ytd only) | -23.5135% | 7,046 |
| Net charge-offs to loans | 1.7041% | 532 |
| Credit loss provision to net charge-offs | 21.3115% | 4,583 |
| Earnings coverage of net charge-offs (x) | -2.6393% | 5,398 |
| Efficiency ratio | 182.5641% | 54 |
| Assets per employee ($millions) | 1.6114% | 7,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8293% | 87 |
| Loan loss allowance to noncurrent loans | 64.6859% | 4,427 |
| Noncurrent assets plus other real estate owned to assets | 5.5585% | 798 |
| Noncurrent loans to loans | 9.0116% | 341 |
| Net loans and leases to total assets | 54.5656% | 4,696 |
| Net loans and leases to deposits | 62.6654% | 4,921 |
| Net loans and leases to core deposits | 66.0975% | 4,994 |
| Total domestic deposits to total assets | 87.0745% | 2,733 |
| Equity capital to assets | 12.3582% | 1,904 |
| Core capital (leverage) ratio | 12.2442% | 1,475 |
| Tier 1 risk-based capital ratio | 17.4032% | 2,509 |
| Total risk-based capital ratio | 18.4020% | 2,570 |
| Memoranda: | ||
| Average total assets | $11,701,000 | 7,210 |
| Average earning assets | $10,185,670 | 7,198 |
| Average equity | $1,480,000 | 7,179 |
| Average total loans | $7,159,000 | 7,094 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3160% | 4,678 |
| Cost of funding earning assets | 1.0405% | 1,745 |
| Net interest margin | 3.2755% | 5,556 |
| Noninterest income to average assets | 0.2351% | 5,948 |
| Noninterest expense to average assets | 5.9774% | 211 |
| Loan and lease loss provision to assets | 0.2686% | 2,308 |
| Net operating income to assets | -3.1566% | 7,230 |
| Return on assets (ROA) | -3.1566% | 7,230 |
| Pretax return on assets | -3.1566% | 7,218 |
| Return on Equity (ROE) | -24.6881% | 7,144 |
| Retained earnings to average equity (ytd only) | -24.6881% | 7,097 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 193.4783% | 43 |
| Assets per employee ($millions) | 1.6439% | 7,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0850% | 80 |
| Loan loss allowance to noncurrent loans | 61.2587% | 4,462 |
| Noncurrent assets plus other real estate owned to assets | 7.6910% | 517 |
| Noncurrent loans to loans | 9.9333% | 312 |
| Net loans and leases to total assets | 58.7468% | 3,913 |
| Net loans and leases to deposits | 67.8034% | 4,096 |
| Net loans and leases to core deposits | 69.6046% | 4,480 |
| Total domestic deposits to total assets | 86.6429% | 3,155 |
| Equity capital to assets | 12.8270% | 1,529 |
| Core capital (leverage) ratio | 12.7770% | 1,214 |
| Tier 1 risk-based capital ratio | 16.7537% | 2,782 |
| Total risk-based capital ratio | 17.7526% | 2,874 |
| Memoranda: | ||
| Average total assets | $11,911,500 | 7,273 |
| Average earning assets | $10,380,000 | 7,261 |
| Average equity | $1,523,000 | 7,232 |
| Average total loans | $7,470,500 | 7,148 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2134% | 2,008 |
| Cost of funding earning assets | 1.1974% | 2,040 |
| Net interest margin | 4.0160% | 2,808 |
| Noninterest income to average assets | 0.0494% | 6,837 |
| Noninterest expense to average assets | 6.4392% | 173 |
| Loan and lease loss provision to assets | 3.5325% | 80 |
| Net operating income to assets | -7.4026% | 7,338 |
| Return on assets (ROA) | -7.4026% | 7,341 |
| Pretax return on assets | -6.3321% | 7,328 |
| Return on Equity (ROE) | -89.7027% | 7,300 |
| Retained earnings to average equity (ytd only) | -89.7027% | 7,300 |
| Net charge-offs to loans | 3.8356% | 174 |
| Credit loss provision to net charge-offs | 135.7595% | 2,208 |
| Earnings coverage of net charge-offs (x) | -1.0759% | 6,203 |
| Efficiency ratio | 176.9231% | 87 |
| Assets per employee ($millions) | 2.0527% | 7,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5405% | 126 |
| Loan loss allowance to noncurrent loans | 56.9721% | 4,666 |
| Noncurrent assets plus other real estate owned to assets | 7.6648% | 557 |
| Noncurrent loans to loans | 9.7249% | 340 |
| Net loans and leases to total assets | 59.3862% | 4,116 |
| Net loans and leases to deposits | 68.3551% | 4,390 |
| Net loans and leases to core deposits | 71.7903% | 4,556 |
| Total domestic deposits to total assets | 86.8789% | 2,827 |
| Equity capital to assets | 12.7476% | 1,627 |
| Core capital (leverage) ratio | 12.6930% | 1,268 |
| Tier 1 risk-based capital ratio | 16.5997% | 2,777 |
| Total risk-based capital ratio | 17.8896% | 2,722 |
| Memoranda: | ||
| Average total assets | $12,144,400 | 7,316 |
| Average earning assets | $10,856,600 | 7,306 |
| Average equity | $1,002,200 | 7,332 |
| Average total loans | $8,238,600 | 7,172 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4623% | 1,358 |
| Cost of funding earning assets | 1.2275% | 2,141 |
| Net interest margin | 4.2349% | 1,968 |
| Noninterest income to average assets | 0.0661% | 6,889 |
| Noninterest expense to average assets | 5.8834% | 213 |
| Loan and lease loss provision to assets | 4.4180% | 44 |
| Net operating income to assets | -6.4343% | 7,404 |
| Return on assets (ROA) | -6.4343% | 7,406 |
| Pretax return on assets | -6.4343% | 7,404 |
| Return on Equity (ROE) | -90.5144% | 7,370 |
| Retained earnings to average equity (ytd only) | -90.5144% | 7,370 |
| Net charge-offs to loans | 5.0382% | 94 |
| Credit loss provision to net charge-offs | 126.8987% | 2,527 |
| Earnings coverage of net charge-offs (x) | -0.5791% | 5,855 |
| Efficiency ratio | 152.1368% | 129 |
| Assets per employee ($millions) | 1.8532% | 7,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1285% | 163 |
| Loan loss allowance to noncurrent loans | 450.5618% | 711 |
| Noncurrent assets plus other real estate owned to assets | 2.5182% | 2,566 |
| Noncurrent loans to loans | 1.1383% | 4,639 |
| Net loans and leases to total assets | 66.7146% | 2,737 |
| Net loans and leases to deposits | 72.6187% | 3,869 |
| Net loans and leases to core deposits | 76.4348% | 4,150 |
| Total domestic deposits to total assets | 91.8698% | 228 |
| Equity capital to assets | 7.6805% | 6,852 |
| Core capital (leverage) ratio | 6.2419% | 7,107 |
| Tier 1 risk-based capital ratio | 8.4206% | 7,161 |
| Total risk-based capital ratio | 9.7232% | 7,162 |
| Memoranda: | ||
| Average total assets | $12,101,500 | 7,393 |
| Average earning assets | $10,862,000 | 7,382 |
| Average equity | $860,250 | 7,416 |
| Average total loans | $8,362,500 | 7,240 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2705% | 1,992 |
| Cost of funding earning assets | 1.2859% | 2,029 |
| Net interest margin | 3.9845% | 2,916 |
| Noninterest income to average assets | 0.2253% | 6,059 |
| Noninterest expense to average assets | 5.4872% | 266 |
| Loan and lease loss provision to assets | 5.9377% | 31 |
| Net operating income to assets | -7.6595% | 7,486 |
| Return on assets (ROA) | -7.6595% | 7,487 |
| Pretax return on assets | -7.6595% | 7,487 |
| Return on Equity (ROE) | -110.3986% | 7,446 |
| Retained earnings to average equity (ytd only) | -110.3986% | 7,446 |
| Net charge-offs to loans | 7.0227% | 53 |
| Credit loss provision to net charge-offs | 123.0000% | 2,478 |
| Earnings coverage of net charge-offs (x) | -0.3567% | 5,478 |
| Efficiency ratio | 145.7265% | 173 |
| Assets per employee ($millions) | 1.7221% | 7,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7233% | 230 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.8416% | 3,449 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 64.4214% | 3,371 |
| Net loans and leases to deposits | 70.2805% | 4,403 |
| Net loans and leases to core deposits | 73.6742% | 4,619 |
| Total domestic deposits to total assets | 91.6632% | 306 |
| Equity capital to assets | 7.9801% | 6,695 |
| Core capital (leverage) ratio | 6.9241% | 7,024 |
| Tier 1 risk-based capital ratio | 11.0316% | 6,502 |
| Total risk-based capital ratio | 12.3177% | 6,461 |
| Memoranda: | ||
| Average total assets | $12,429,000 | 7,467 |
| Average earning assets | $11,042,670 | 7,456 |
| Average equity | $862,330 | 7,492 |
| Average total loans | $8,543,670 | 7,301 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4163% | 1,508 |
| Cost of funding earning assets | 1.4348% | 1,455 |
| Net interest margin | 3.9815% | 2,766 |
| Noninterest income to average assets | 0.0951% | 6,941 |
| Noninterest expense to average assets | 4.9461% | 383 |
| Loan and lease loss provision to assets | 0.2854% | 2,865 |
| Net operating income to assets | -1.6170% | 7,224 |
| Return on assets (ROA) | -1.6170% | 7,226 |
| Pretax return on assets | -1.6170% | 7,197 |
| Return on Equity (ROE) | -25.1077% | 7,281 |
| Retained earnings to average equity (ytd only) | -25.1077% | 7,244 |
| Net charge-offs to loans | 9.1076% | 46 |
| Credit loss provision to net charge-offs | 4.5226% | 4,434 |
| Earnings coverage of net charge-offs (x) | -0.2111% | 4,702 |
| Efficiency ratio | 136.8421% | 221 |
| Assets per employee ($millions) | 1.5964% | 7,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4911% | 4,256 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 4.7060% | 1,357 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 65.1789% | 3,207 |
| Net loans and leases to deposits | 74.4278% | 3,692 |
| Net loans and leases to core deposits | 77.9620% | 4,024 |
| Total domestic deposits to total assets | 87.5734% | 2,627 |
| Equity capital to assets | 6.1624% | 7,266 |
| Core capital (leverage) ratio | 5.9761% | 7,255 |
| Tier 1 risk-based capital ratio | 10.7930% | 6,643 |
| Total risk-based capital ratio | 11.0866% | 7,061 |
| Memoranda: | ||
| Average total assets | $12,616,000 | 7,521 |
| Average earning assets | $11,151,500 | 7,512 |
| Average equity | $812,500 | 7,552 |
| Average total loans | $8,740,000 | 7,349 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5434% | 2,113 |
| Cost of funding earning assets | 1.6614% | 1,774 |
| Net interest margin | 3.8820% | 3,573 |
| Noninterest income to average assets | -0.8495% | 7,610 |
| Noninterest expense to average assets | 7.1170% | 152 |
| Loan and lease loss provision to assets | 2.0487% | 637 |
| Net operating income to assets | -6.7243% | 7,598 |
| Return on assets (ROA) | -6.6530% | 7,598 |
| Pretax return on assets | -6.5744% | 7,598 |
| Return on Equity (ROE) | -73.2474% | 7,528 |
| Retained earnings to average equity (ytd only) | -73.2474% | 7,527 |
| Net charge-offs to loans | 1.4351% | 1,544 |
| Credit loss provision to net charge-offs | 196.5753% | 1,613 |
| Earnings coverage of net charge-offs (x) | -4.4110% | 6,766 |
| Efficiency ratio | 282.4363% | 33 |
| Assets per employee ($millions) | 1.7801% | 7,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4994% | 597 |
| Loan loss allowance to noncurrent loans | 60.6526% | 4,386 |
| Noncurrent assets plus other real estate owned to assets | 10.0794% | 403 |
| Noncurrent loans to loans | 5.7697% | 1,101 |
| Net loans and leases to total assets | 69.9302% | 2,546 |
| Net loans and leases to deposits | 80.3652% | 3,102 |
| Net loans and leases to core deposits | 84.2910% | 3,556 |
| Total domestic deposits to total assets | 87.0155% | 2,816 |
| Equity capital to assets | 6.7250% | 7,199 |
| Core capital (leverage) ratio | 6.6271% | 7,164 |
| Tier 1 risk-based capital ratio | 11.7186% | 5,710 |
| Total risk-based capital ratio | 13.0052% | 5,691 |
| Memoranda: | ||
| Average total assets | $14,008,800 | 7,585 |
| Average earning assets | $12,158,600 | 7,578 |
| Average equity | $1,272,400 | 7,609 |
| Average total loans | $10,173,600 | 7,386 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5971% | 2,072 |
| Cost of funding earning assets | 1.6770% | 1,979 |
| Net interest margin | 3.9201% | 3,450 |
| Noninterest income to average assets | -0.7872% | 7,713 |
| Noninterest expense to average assets | 7.4464% | 127 |
| Loan and lease loss provision to assets | 1.4170% | 950 |
| Net operating income to assets | -6.3535% | 7,702 |
| Return on assets (ROA) | -6.2609% | 7,701 |
| Pretax return on assets | -6.1590% | 7,693 |
| Return on Equity (ROE) | -65.2650% | 7,619 |
| Retained earnings to average equity (ytd only) | -65.2650% | 7,618 |
| Net charge-offs to loans | 1.3895% | 1,464 |
| Credit loss provision to net charge-offs | 140.3670% | 2,830 |
| Earnings coverage of net charge-offs (x) | -4.7890% | 6,588 |
| Efficiency ratio | 285.1064% | 32 |
| Assets per employee ($millions) | 1.6745% | 7,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2709% | 1,667 |
| Loan loss allowance to noncurrent loans | 31.8841% | 6,219 |
| Noncurrent assets plus other real estate owned to assets | 10.0627% | 404 |
| Noncurrent loans to loans | 7.1222% | 776 |
| Net loans and leases to total assets | 70.6778% | 2,570 |
| Net loans and leases to deposits | 82.3662% | 3,036 |
| Net loans and leases to core deposits | 84.2274% | 3,905 |
| Total domestic deposits to total assets | 85.8092% | 3,180 |
| Equity capital to assets | 8.1741% | 6,638 |
| Core capital (leverage) ratio | 8.1401% | 6,135 |
| Tier 1 risk-based capital ratio | 14.8919% | 3,304 |
| Total risk-based capital ratio | 16.1567% | 3,280 |
| Memoranda: | ||
| Average total assets | $14,395,750 | 7,681 |
| Average earning assets | $12,482,250 | 7,673 |
| Average equity | $1,381,000 | 7,697 |
| Average total loans | $10,459,500 | 7,468 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7192% | 1,693 |
| Cost of funding earning assets | 1.6969% | 2,131 |
| Net interest margin | 4.0223% | 2,911 |
| Noninterest income to average assets | -0.5975% | 7,760 |
| Noninterest expense to average assets | 8.5953% | 101 |
| Loan and lease loss provision to assets | 1.5344% | 858 |
| Net operating income to assets | -7.2510% | 7,778 |
| Return on assets (ROA) | -7.1152% | 7,778 |
| Pretax return on assets | -7.1152% | 7,765 |
| Return on Equity (ROE) | -70.9868% | 7,685 |
| Retained earnings to average equity (ytd only) | -70.9868% | 7,683 |
| Net charge-offs to loans | -0.0373% | 7,399 |
| Credit loss provision to net charge-offs | -5,650.0000% | 7,037 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 298.5849% | 43 |
| Assets per employee ($millions) | 1.9787% | 7,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7139% | 1,077 |
| Loan loss allowance to noncurrent loans | 50.6130% | 4,927 |
| Noncurrent assets plus other real estate owned to assets | 8.9813% | 495 |
| Noncurrent loans to loans | 5.3620% | 1,243 |
| Net loans and leases to total assets | 74.7960% | 1,740 |
| Net loans and leases to deposits | 88.0279% | 2,162 |
| Net loans and leases to core deposits | 89.9618% | 3,273 |
| Total domestic deposits to total assets | 84.9686% | 3,646 |
| Equity capital to assets | 9.0102% | 5,433 |
| Core capital (leverage) ratio | 8.7650% | 4,980 |
| Tier 1 risk-based capital ratio | 15.2706% | 3,027 |
| Total risk-based capital ratio | 16.5442% | 2,973 |
| Memoranda: | ||
| Average total assets | $14,729,000 | 7,734 |
| Average earning assets | $12,729,000 | 7,734 |
| Average equity | $1,476,330 | 7,758 |
| Average total loans | $10,716,670 | 7,517 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9563% | 1,060 |
| Cost of funding earning assets | 1.7591% | 2,078 |
| Net interest margin | 4.1972% | 2,052 |
| Noninterest income to average assets | 0.5274% | 3,833 |
| Noninterest expense to average assets | 12.8956% | 59 |
| Loan and lease loss provision to assets | 1.8724% | 601 |
| Net operating income to assets | -10.6540% | 7,904 |
| Return on assets (ROA) | -10.6540% | 7,903 |
| Pretax return on assets | -10.6540% | 7,899 |
| Return on Equity (ROE) | -101.6033% | 7,832 |
| Retained earnings to average equity (ytd only) | -101.6033% | 7,828 |
| Net charge-offs to loans | -0.0744% | 7,459 |
| Credit loss provision to net charge-offs | -3,550.0000% | 6,602 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 313.4615% | 40 |
| Assets per employee ($millions) | 1.8838% | 7,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2786% | 1,613 |
| Loan loss allowance to noncurrent loans | 87.3239% | 3,146 |
| Noncurrent assets plus other real estate owned to assets | 8.3809% | 575 |
| Noncurrent loans to loans | 2.6093% | 3,056 |
| Net loans and leases to total assets | 70.5773% | 2,789 |
| Net loans and leases to deposits | 82.6803% | 3,166 |
| Net loans and leases to core deposits | 84.3324% | 4,161 |
| Total domestic deposits to total assets | 85.3616% | 3,480 |
| Equity capital to assets | 9.1241% | 5,101 |
| Core capital (leverage) ratio | 8.9481% | 4,648 |
| Tier 1 risk-based capital ratio | 15.3803% | 2,930 |
| Total risk-based capital ratio | 16.6517% | 2,872 |
| Memoranda: | ||
| Average total assets | $15,168,000 | 7,826 |
| Average earning assets | $12,961,000 | 7,832 |
| Average equity | $1,590,500 | 7,821 |
| Average total loans | $10,750,500 | 7,612 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7657% | 2,799 |
| Cost of funding earning assets | 2.7520% | 514 |
| Net interest margin | 3.0137% | 6,610 |
| Noninterest income to average assets | -0.7683% | 7,974 |
| Noninterest expense to average assets | 5.9545% | 314 |
| Loan and lease loss provision to assets | 5.0449% | 187 |
| Net operating income to assets | -7.2039% | 7,905 |
| Return on assets (ROA) | -7.1860% | 7,898 |
| Pretax return on assets | -9.0786% | 7,949 |
| Return on Equity (ROE) | -50.4322% | 7,685 |
| Retained earnings to average equity (ytd only) | -50.4322% | 7,676 |
| Net charge-offs to loans | 8.6300% | 63 |
| Credit loss provision to net charge-offs | 78.6092% | 6,322 |
| Earnings coverage of net charge-offs (x) | -0.6320% | 6,768 |
| Efficiency ratio | 313.6905% | 62 |
| Assets per employee ($millions) | 2.1809% | 7,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6483% | 3,092 |
| Loan loss allowance to noncurrent loans | 156.2500% | 1,846 |
| Noncurrent assets plus other real estate owned to assets | 10.2777% | 349 |
| Noncurrent loans to loans | 1.0549% | 5,210 |
| Net loans and leases to total assets | 68.4004% | 3,613 |
| Net loans and leases to deposits | 82.6042% | 3,520 |
| Net loans and leases to core deposits | 104.5978% | 3,508 |
| Total domestic deposits to total assets | 82.8049% | 4,612 |
| Equity capital to assets | 11.8302% | 2,117 |
| Core capital (leverage) ratio | 11.0854% | 2,183 |
| Tier 1 risk-based capital ratio | 18.9108% | 1,670 |
| Total risk-based capital ratio | 20.1708% | 1,637 |
| Memoranda: | ||
| Average total assets | $17,701,000 | 7,835 |
| Average earning assets | $15,661,600 | 7,830 |
| Average equity | $2,522,200 | 7,726 |
| Average total loans | $13,163,400 | 7,542 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6501% | 3,577 |
| Cost of funding earning assets | 2.8413% | 535 |
| Net interest margin | 2.8088% | 7,042 |
| Noninterest income to average assets | -0.9175% | 8,073 |
| Noninterest expense to average assets | 5.5488% | 368 |
| Loan and lease loss provision to assets | 5.0536% | 165 |
| Net operating income to assets | -6.5604% | 7,957 |
| Return on assets (ROA) | -6.5391% | 7,955 |
| Pretax return on assets | -8.9786% | 8,025 |
| Return on Equity (ROE) | -44.3239% | 7,791 |
| Retained earnings to average equity (ytd only) | -44.3239% | 7,787 |
| Net charge-offs to loans | 8.8693% | 66 |
| Credit loss provision to net charge-offs | 75.5991% | 5,872 |
| Earnings coverage of net charge-offs (x) | -0.5915% | 6,513 |
| Efficiency ratio | 347.9452% | 53 |
| Assets per employee ($millions) | 2.3730% | 7,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5478% | 3,206 |
| Loan loss allowance to noncurrent loans | 13.8473% | 7,366 |
| Noncurrent assets plus other real estate owned to assets | 11.5225% | 256 |
| Noncurrent loans to loans | 11.1776% | 318 |
| Net loans and leases to total assets | 74.2881% | 2,444 |
| Net loans and leases to deposits | 90.7820% | 2,434 |
| Net loans and leases to core deposits | 102.8419% | 4,066 |
| Total domestic deposits to total assets | 81.8313% | 4,751 |
| Equity capital to assets | 13.0998% | 1,656 |
| Core capital (leverage) ratio | 12.3359% | 1,648 |
| Tier 1 risk-based capital ratio | 21.4043% | 1,305 |
| Total risk-based capital ratio | 22.6628% | 1,281 |
| Memoranda: | ||
| Average total assets | $18,309,750 | 7,898 |
| Average earning assets | $16,376,750 | 7,888 |
| Average equity | $2,701,250 | 7,752 |
| Average total loans | $13,800,000 | 7,578 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8279% | 2,911 |
| Cost of funding earning assets | 2.9676% | 513 |
| Net interest margin | 2.8603% | 6,884 |
| Noninterest income to average assets | -1.1231% | 8,162 |
| Noninterest expense to average assets | 4.7362% | 623 |
| Loan and lease loss provision to assets | 3.7932% | 345 |
| Net operating income to assets | -4.3229% | 7,872 |
| Return on assets (ROA) | -4.3229% | 7,866 |
| Pretax return on assets | -7.1096% | 8,030 |
| Return on Equity (ROE) | -28.3695% | 7,687 |
| Retained earnings to average equity (ytd only) | -28.3695% | 7,662 |
| Net charge-offs to loans | 5.6251% | 206 |
| Credit loss provision to net charge-offs | 89.5000% | 4,941 |
| Earnings coverage of net charge-offs (x) | -0.7825% | 6,170 |
| Efficiency ratio | 333.5821% | 69 |
| Assets per employee ($millions) | 2.1935% | 7,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8563% | 645 |
| Loan loss allowance to noncurrent loans | 31.1258% | 6,393 |
| Noncurrent assets plus other real estate owned to assets | 11.5398% | 205 |
| Noncurrent loans to loans | 9.1765% | 423 |
| Net loans and leases to total assets | 72.8744% | 2,986 |
| Net loans and leases to deposits | 91.0178% | 2,652 |
| Net loans and leases to core deposits | 101.4196% | 4,357 |
| Total domestic deposits to total assets | 80.0661% | 5,452 |
| Equity capital to assets | 15.2097% | 986 |
| Core capital (leverage) ratio | 14.2440% | 1,083 |
| Tier 1 risk-based capital ratio | 24.5756% | 976 |
| Total risk-based capital ratio | 25.8534% | 960 |
| Memoranda: | ||
| Average total assets | $18,876,000 | 7,961 |
| Average earning assets | $16,781,330 | 7,953 |
| Average equity | $2,876,330 | 7,765 |
| Average total loans | $14,222,000 | 7,635 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0709% | 2,072 |
| Cost of funding earning assets | 3.0696% | 499 |
| Net interest margin | 3.0014% | 6,473 |
| Noninterest income to average assets | -0.1638% | 8,152 |
| Noninterest expense to average assets | 4.2170% | 924 |
| Loan and lease loss provision to assets | 3.6847% | 272 |
| Net operating income to assets | -3.3572% | 7,896 |
| Return on assets (ROA) | -3.3572% | 7,898 |
| Pretax return on assets | -5.3634% | 8,013 |
| Return on Equity (ROE) | -22.0134% | 7,795 |
| Retained earnings to average equity (ytd only) | -22.0134% | 7,698 |
| Net charge-offs to loans | 6.9961% | 123 |
| Credit loss provision to net charge-offs | 69.7674% | 4,358 |
| Earnings coverage of net charge-offs (x) | -0.3178% | 5,191 |
| Efficiency ratio | 166.1290% | 285 |
| Assets per employee ($millions) | 2.3858% | 7,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3482% | 898 |
| Loan loss allowance to noncurrent loans | 61.1511% | 4,524 |
| Noncurrent assets plus other real estate owned to assets | 8.8442% | 291 |
| Noncurrent loans to loans | 3.8400% | 1,599 |
| Net loans and leases to total assets | 74.0805% | 2,732 |
| Net loans and leases to deposits | 93.5614% | 2,350 |
| Net loans and leases to core deposits | 102.5754% | 4,283 |
| Total domestic deposits to total assets | 79.1785% | 5,654 |
| Equity capital to assets | 15.2311% | 1,035 |
| Core capital (leverage) ratio | 14.5884% | 1,061 |
| Tier 1 risk-based capital ratio | 24.4832% | 1,024 |
| Total risk-based capital ratio | 25.7507% | 1,003 |
| Memoranda: | ||
| Average total assets | $19,540,000 | 7,994 |
| Average earning assets | $17,592,000 | 7,976 |
| Average equity | $2,980,000 | 7,791 |
| Average total loans | $14,751,000 | 7,648 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6732% | 296 |
| Cost of funding earning assets | 3.6138% | 370 |
| Net interest margin | 4.0594% | 2,876 |
| Noninterest income to average assets | 0.1124% | 7,563 |
| Noninterest expense to average assets | 3.9861% | 1,441 |
| Loan and lease loss provision to assets | 1.5485% | 862 |
| Net operating income to assets | -0.8790% | 7,174 |
| Return on assets (ROA) | -0.8790% | 7,091 |
| Pretax return on assets | -1.6047% | 7,301 |
| Return on Equity (ROE) | -5.4310% | 6,907 |
| Retained earnings to average equity (ytd only) | -5.4310% | 6,576 |
| Net charge-offs to loans | 1.0680% | 1,145 |
| Credit loss provision to net charge-offs | 184.7561% | 2,684 |
| Earnings coverage of net charge-offs (x) | -0.0671% | 6,297 |
| Efficiency ratio | 101.4304% | 928 |
| Assets per employee ($millions) | 2.8563% | 6,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7824% | 522 |
| Loan loss allowance to noncurrent loans | 28.2432% | 6,820 |
| Noncurrent assets plus other real estate owned to assets | 10.5182% | 138 |
| Noncurrent loans to loans | 9.8516% | 217 |
| Net loans and leases to total assets | 73.0469% | 3,347 |
| Net loans and leases to deposits | 92.0696% | 3,123 |
| Net loans and leases to core deposits | 100.3573% | 4,793 |
| Total domestic deposits to total assets | 79.3388% | 5,256 |
| Equity capital to assets | 15.2696% | 1,098 |
| Core capital (leverage) ratio | 15.6080% | 901 |
| Tier 1 risk-based capital ratio | 25.6817% | 929 |
| Total risk-based capital ratio | 26.9565% | 903 |
| Memoranda: | ||
| Average total assets | $19,567,800 | 8,028 |
| Average earning assets | $18,401,800 | 7,995 |
| Average equity | $3,167,000 | 7,781 |
| Average total loans | $15,356,000 | 7,625 |