Home > Louisa Community Bank > Performance and Condition Ratios
Louisa Community Bank, Performance and Condition Ratios
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2922% | 3,658 |
| Cost of funding earning assets | 1.4259% | 485 |
| Net interest margin | 2.8663% | 4,856 |
| Noninterest income to average assets | 0.5324% | 2,486 |
| Noninterest expense to average assets | 7.1842% | 107 |
| Loan and lease loss provision to assets | 3.6562% | 18 |
| Net operating income to assets | -7.7551% | 5,297 |
| Return on assets (ROA) | -7.7551% | 5,297 |
| Pretax return on assets | -7.7551% | 5,297 |
| Return on Equity (ROE) | -117.3217% | 5,301 |
| Retained earnings to average equity (ytd only) | -117.3217% | 5,299 |
| Net charge-offs to loans | 3.1147% | 36 |
| Credit loss provision to net charge-offs | 162.3932% | 1,406 |
| Earnings coverage of net charge-offs (x) | -1.8205% | 3,126 |
| Efficiency ratio | 232.8482% | 14 |
| Assets per employee ($millions) | 1.9817% | 5,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8839% | 146 |
| Loan loss allowance to noncurrent loans | 22.1198% | 4,650 |
| Noncurrent assets plus other real estate owned to assets | 11.8987% | 12 |
| Noncurrent loans to loans | 13.0379% | 15 |
| Net loans and leases to total assets | 70.6890% | 2,438 |
| Net loans and leases to deposits | 79.3752% | 3,012 |
| Net loans and leases to core deposits | 101.7874% | 1,574 |
| Total domestic deposits to total assets | 89.0567% | 645 |
| Equity capital to assets | 4.5886% | 5,296 |
| Core capital (leverage) ratio | 1.9662% | 5,303 |
| Tier 1 risk-based capital ratio | 2.5701% | 5,303 |
| Total risk-based capital ratio | 3.8354% | 5,303 |
| Memoranda: | ||
| Average total assets | $31,179,670 | 5,134 |
| Average earning assets | $27,771,330 | 5,131 |
| Average equity | $2,061,000 | 5,254 |
| Average total loans | $22,538,330 | 4,929 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4928% | 2,895 |
| Cost of funding earning assets | 1.3534% | 546 |
| Net interest margin | 3.1394% | 4,516 |
| Noninterest income to average assets | 0.6770% | 1,693 |
| Noninterest expense to average assets | 7.4091% | 96 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -3.9114% | 5,343 |
| Return on assets (ROA) | -3.9114% | 5,342 |
| Pretax return on assets | -3.9114% | 5,339 |
| Return on Equity (ROE) | -51.7950% | 5,352 |
| Retained earnings to average equity (ytd only) | -51.7950% | 5,334 |
| Net charge-offs to loans | 0.6960% | 217 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | -7.8000% | 2,717 |
| Efficiency ratio | 211.8280% | 15 |
| Assets per employee ($millions) | 2.0963% | 5,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6415% | 986 |
| Loan loss allowance to noncurrent loans | 11.2898% | 4,782 |
| Noncurrent assets plus other real estate owned to assets | 12.1168% | 9 |
| Noncurrent loans to loans | 14.5395% | 10 |
| Net loans and leases to total assets | 69.5554% | 2,549 |
| Net loans and leases to deposits | 80.0666% | 2,832 |
| Net loans and leases to core deposits | 101.7161% | 1,486 |
| Total domestic deposits to total assets | 86.8719% | 1,879 |
| Equity capital to assets | 7.1715% | 5,296 |
| Core capital (leverage) ratio | 4.7791% | 5,352 |
| Tier 1 risk-based capital ratio | 5.9682% | 5,355 |
| Total risk-based capital ratio | 7.2181% | 5,353 |
| Memoranda: | ||
| Average total assets | $31,906,500 | 5,177 |
| Average earning assets | $28,668,000 | 5,178 |
| Average equity | $2,409,500 | 5,282 |
| Average total loans | $22,989,000 | 4,972 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9664% | 1,118 |
| Cost of funding earning assets | 1.2994% | 218 |
| Net interest margin | 3.6669% | 3,169 |
| Noninterest income to average assets | 0.3281% | 3,911 |
| Noninterest expense to average assets | 6.2365% | 123 |
| Loan and lease loss provision to assets | 2.0434% | 32 |
| Net operating income to assets | -3.6953% | 5,387 |
| Return on assets (ROA) | -3.6953% | 5,386 |
| Pretax return on assets | -4.6220% | 5,390 |
| Return on Equity (ROE) | -37.8716% | 5,392 |
| Retained earnings to average equity (ytd only) | -37.8716% | 5,391 |
| Net charge-offs to loans | 3.2424% | 32 |
| Credit loss provision to net charge-offs | 75.3715% | 2,917 |
| Earnings coverage of net charge-offs (x) | -0.9512% | 3,732 |
| Efficiency ratio | 170.4957% | 18 |
| Assets per employee ($millions) | 2.3121% | 5,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7058% | 827 |
| Loan loss allowance to noncurrent loans | 11.4601% | 4,801 |
| Noncurrent assets plus other real estate owned to assets | 12.7529% | 8 |
| Noncurrent loans to loans | 14.8850% | 11 |
| Net loans and leases to total assets | 72.0968% | 2,243 |
| Net loans and leases to deposits | 83.5822% | 2,554 |
| Net loans and leases to core deposits | 105.4970% | 1,306 |
| Total domestic deposits to total assets | 86.2585% | 2,109 |
| Equity capital to assets | 7.9212% | 5,191 |
| Core capital (leverage) ratio | 6.4656% | 5,375 |
| Tier 1 risk-based capital ratio | 8.2081% | 5,390 |
| Total risk-based capital ratio | 9.4614% | 5,389 |
| Memoranda: | ||
| Average total assets | $34,746,800 | 5,176 |
| Average earning assets | $31,552,200 | 5,174 |
| Average equity | $3,390,400 | 5,246 |
| Average total loans | $29,053,000 | 4,842 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1863% | 643 |
| Cost of funding earning assets | 1.2810% | 174 |
| Net interest margin | 3.9053% | 2,280 |
| Noninterest income to average assets | 0.2188% | 4,654 |
| Noninterest expense to average assets | 5.8438% | 141 |
| Loan and lease loss provision to assets | 0.5659% | 181 |
| Net operating income to assets | -2.6484% | 5,456 |
| Return on assets (ROA) | -2.6484% | 5,453 |
| Pretax return on assets | -2.6484% | 5,451 |
| Return on Equity (ROE) | -26.0211% | 5,458 |
| Retained earnings to average equity (ytd only) | -26.0211% | 5,448 |
| Net charge-offs to loans | 0.7109% | 202 |
| Credit loss provision to net charge-offs | 92.5926% | 2,392 |
| Earnings coverage of net charge-offs (x) | -3.4075% | 3,452 |
| Efficiency ratio | 155.3661% | 22 |
| Assets per employee ($millions) | 2.7908% | 5,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3493% | 288 |
| Loan loss allowance to noncurrent loans | 14.3580% | 4,907 |
| Noncurrent assets plus other real estate owned to assets | 14.7511% | 5 |
| Noncurrent loans to loans | 16.3623% | 9 |
| Net loans and leases to total assets | 77.4493% | 1,424 |
| Net loans and leases to deposits | 91.4079% | 1,705 |
| Net loans and leases to core deposits | 114.8163% | 770 |
| Total domestic deposits to total assets | 84.7293% | 2,710 |
| Equity capital to assets | 9.5793% | 4,011 |
| Core capital (leverage) ratio | 8.1941% | 5,253 |
| Tier 1 risk-based capital ratio | 9.5555% | 5,437 |
| Total risk-based capital ratio | 10.8160% | 5,410 |
| Memoranda: | ||
| Average total assets | $35,341,250 | 5,233 |
| Average earning assets | $32,058,250 | 5,232 |
| Average equity | $3,597,000 | 5,292 |
| Average total loans | $30,380,750 | 4,859 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2908% | 481 |
| Cost of funding earning assets | 1.2722% | 135 |
| Net interest margin | 4.0186% | 1,797 |
| Noninterest income to average assets | 0.7119% | 1,826 |
| Noninterest expense to average assets | 6.4129% | 126 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -2.0468% | 5,508 |
| Return on assets (ROA) | -2.0468% | 5,502 |
| Pretax return on assets | -2.0468% | 5,501 |
| Return on Equity (ROE) | -19.7495% | 5,508 |
| Retained earnings to average equity (ytd only) | -19.7495% | 5,495 |
| Net charge-offs to loans | 0.2843% | 565 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | -8.1778% | 3,181 |
| Efficiency ratio | 146.8790% | 35 |
| Assets per employee ($millions) | 2.3131% | 5,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0026% | 516 |
| Loan loss allowance to noncurrent loans | 13.5469% | 4,927 |
| Noncurrent assets plus other real estate owned to assets | 12.5951% | 11 |
| Noncurrent loans to loans | 14.7830% | 11 |
| Net loans and leases to total assets | 83.4938% | 523 |
| Net loans and leases to deposits | 99.0495% | 881 |
| Net loans and leases to core deposits | 124.7212% | 442 |
| Total domestic deposits to total assets | 84.2950% | 2,960 |
| Equity capital to assets | 10.2375% | 3,402 |
| Core capital (leverage) ratio | 9.1346% | 4,533 |
| Tier 1 risk-based capital ratio | 10.3458% | 5,327 |
| Total risk-based capital ratio | 11.6022% | 5,235 |
| Memoranda: | ||
| Average total assets | $35,958,670 | 5,287 |
| Average earning assets | $32,698,330 | 5,281 |
| Average equity | $3,726,670 | 5,338 |
| Average total loans | $31,654,000 | 4,888 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3234% | 391 |
| Cost of funding earning assets | 1.2377% | 114 |
| Net interest margin | 4.0857% | 1,474 |
| Noninterest income to average assets | 0.6668% | 1,971 |
| Noninterest expense to average assets | 6.6794% | 119 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -2.2957% | 5,576 |
| Return on assets (ROA) | -2.2957% | 5,574 |
| Pretax return on assets | -2.2957% | 5,573 |
| Return on Equity (ROE) | -22.0241% | 5,576 |
| Retained earnings to average equity (ytd only) | -22.0241% | 5,519 |
| Net charge-offs to loans | -0.0734% | 5,124 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 152.3691% | 31 |
| Assets per employee ($millions) | 2.3987% | 5,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9853% | 560 |
| Loan loss allowance to noncurrent loans | 20.6897% | 4,915 |
| Noncurrent assets plus other real estate owned to assets | 8.6242% | 30 |
| Noncurrent loans to loans | 9.5958% | 27 |
| Net loans and leases to total assets | 88.0906% | 127 |
| Net loans and leases to deposits | 104.7561% | 442 |
| Net loans and leases to core deposits | 136.2640% | 252 |
| Total domestic deposits to total assets | 84.0912% | 3,287 |
| Equity capital to assets | 10.3113% | 3,266 |
| Core capital (leverage) ratio | 9.3691% | 4,226 |
| Tier 1 risk-based capital ratio | 10.2411% | 5,432 |
| Total risk-based capital ratio | 11.4993% | 5,354 |
| Memoranda: | ||
| Average total assets | $36,590,000 | 5,332 |
| Average earning assets | $33,287,000 | 5,331 |
| Average equity | $3,814,000 | 5,385 |
| Average total loans | $32,700,500 | 4,900 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3555% | 333 |
| Cost of funding earning assets | 1.1805% | 79 |
| Net interest margin | 4.1750% | 1,241 |
| Noninterest income to average assets | 0.6449% | 2,227 |
| Noninterest expense to average assets | 5.4099% | 174 |
| Loan and lease loss provision to assets | 0.9174% | 117 |
| Net operating income to assets | -1.7295% | 5,634 |
| Return on assets (ROA) | -1.7295% | 5,633 |
| Pretax return on assets | -1.9130% | 5,643 |
| Return on Equity (ROE) | -14.8140% | 5,625 |
| Retained earnings to average equity (ytd only) | -14.8140% | 5,592 |
| Net charge-offs to loans | 0.7824% | 261 |
| Credit loss provision to net charge-offs | 133.3333% | 1,977 |
| Earnings coverage of net charge-offs (x) | -1.4471% | 4,048 |
| Efficiency ratio | 122.5550% | 55 |
| Assets per employee ($millions) | 2.4889% | 5,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9235% | 619 |
| Loan loss allowance to noncurrent loans | 25.1383% | 4,919 |
| Noncurrent assets plus other real estate owned to assets | 7.1329% | 44 |
| Noncurrent loans to loans | 7.6518% | 49 |
| Net loans and leases to total assets | 86.8592% | 202 |
| Net loans and leases to deposits | 106.2760% | 392 |
| Net loans and leases to core deposits | 141.1263% | 201 |
| Total domestic deposits to total assets | 81.7298% | 3,935 |
| Equity capital to assets | 10.8534% | 2,777 |
| Core capital (leverage) ratio | 9.9197% | 3,557 |
| Tier 1 risk-based capital ratio | 10.9965% | 5,152 |
| Total risk-based capital ratio | 12.2553% | 5,025 |
| Memoranda: | ||
| Average total assets | $37,062,000 | 5,378 |
| Average earning assets | $33,461,200 | 5,376 |
| Average equity | $4,327,000 | 5,369 |
| Average total loans | $32,590,600 | 4,943 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2658% | 371 |
| Cost of funding earning assets | 1.1529% | 85 |
| Net interest margin | 4.1129% | 1,361 |
| Noninterest income to average assets | 0.6992% | 2,003 |
| Noninterest expense to average assets | 5.2367% | 197 |
| Loan and lease loss provision to assets | 1.1533% | 86 |
| Net operating income to assets | -1.7876% | 5,704 |
| Return on assets (ROA) | -1.7876% | 5,704 |
| Pretax return on assets | -1.9751% | 5,710 |
| Return on Equity (ROE) | -15.0445% | 5,699 |
| Retained earnings to average equity (ytd only) | -15.0445% | 5,662 |
| Net charge-offs to loans | 0.9649% | 182 |
| Credit loss provision to net charge-offs | 136.1702% | 1,813 |
| Earnings coverage of net charge-offs (x) | -0.9702% | 3,717 |
| Efficiency ratio | 118.6122% | 63 |
| Assets per employee ($millions) | 2.5673% | 5,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8829% | 725 |
| Loan loss allowance to noncurrent loans | 34.1738% | 4,875 |
| Noncurrent assets plus other real estate owned to assets | 5.7415% | 75 |
| Noncurrent loans to loans | 5.5097% | 128 |
| Net loans and leases to total assets | 86.1980% | 248 |
| Net loans and leases to deposits | 102.2833% | 595 |
| Net loans and leases to core deposits | 133.1381% | 294 |
| Total domestic deposits to total assets | 84.2738% | 3,015 |
| Equity capital to assets | 10.7118% | 3,154 |
| Core capital (leverage) ratio | 10.2453% | 3,261 |
| Tier 1 risk-based capital ratio | 11.2974% | 5,077 |
| Total risk-based capital ratio | 12.5543% | 4,967 |
| Memoranda: | ||
| Average total assets | $36,994,000 | 5,438 |
| Average earning assets | $33,422,500 | 5,436 |
| Average equity | $4,395,750 | 5,415 |
| Average total loans | $32,472,250 | 4,994 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3908% | 281 |
| Cost of funding earning assets | 1.1120% | 93 |
| Net interest margin | 4.2788% | 915 |
| Noninterest income to average assets | 0.7162% | 1,921 |
| Noninterest expense to average assets | 5.1172% | 209 |
| Loan and lease loss provision to assets | 0.0547% | 2,882 |
| Net operating income to assets | -0.5850% | 5,691 |
| Return on assets (ROA) | -0.5850% | 5,689 |
| Pretax return on assets | -0.5850% | 5,685 |
| Return on Equity (ROE) | -4.6732% | 5,684 |
| Retained earnings to average equity (ytd only) | -4.6732% | 5,522 |
| Net charge-offs to loans | 0.9869% | 199 |
| Credit loss provision to net charge-offs | 6.3291% | 2,875 |
| Earnings coverage of net charge-offs (x) | -0.6139% | 3,428 |
| Efficiency ratio | 111.5614% | 96 |
| Assets per employee ($millions) | 2.4734% | 5,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2326% | 2,813 |
| Loan loss allowance to noncurrent loans | 16.6598% | 5,138 |
| Noncurrent assets plus other real estate owned to assets | 7.6440% | 48 |
| Noncurrent loans to loans | 7.3985% | 57 |
| Net loans and leases to total assets | 87.0408% | 199 |
| Net loans and leases to deposits | 105.3433% | 425 |
| Net loans and leases to core deposits | 136.6148% | 227 |
| Total domestic deposits to total assets | 82.6258% | 3,677 |
| Equity capital to assets | 12.1560% | 1,824 |
| Core capital (leverage) ratio | 11.6434% | 1,867 |
| Tier 1 risk-based capital ratio | 12.7192% | 4,173 |
| Total risk-based capital ratio | 13.9293% | 4,105 |
| Memoranda: | ||
| Average total assets | $36,582,330 | 5,492 |
| Average earning assets | $33,093,670 | 5,490 |
| Average equity | $4,579,330 | 5,432 |
| Average total loans | $32,019,330 | 5,044 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3021% | 318 |
| Cost of funding earning assets | 1.0898% | 99 |
| Net interest margin | 4.2123% | 962 |
| Noninterest income to average assets | 0.7158% | 1,889 |
| Noninterest expense to average assets | 4.5811% | 310 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.0771% | 5,638 |
| Return on assets (ROA) | -0.0771% | 5,644 |
| Pretax return on assets | -0.0771% | 5,632 |
| Return on Equity (ROE) | -0.6068% | 5,645 |
| Retained earnings to average equity (ytd only) | -0.6068% | 5,015 |
| Net charge-offs to loans | 0.7323% | 239 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | -0.1207% | 2,858 |
| Efficiency ratio | 101.7115% | 203 |
| Assets per employee ($millions) | 2.4613% | 5,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5312% | 1,577 |
| Loan loss allowance to noncurrent loans | 23.6817% | 5,144 |
| Noncurrent assets plus other real estate owned to assets | 6.7795% | 63 |
| Noncurrent loans to loans | 6.4658% | 93 |
| Net loans and leases to total assets | 86.0455% | 220 |
| Net loans and leases to deposits | 104.6067% | 380 |
| Net loans and leases to core deposits | 131.8448% | 239 |
| Total domestic deposits to total assets | 82.2562% | 4,095 |
| Equity capital to assets | 12.4919% | 1,539 |
| Core capital (leverage) ratio | 11.9888% | 1,638 |
| Tier 1 risk-based capital ratio | 13.3043% | 3,886 |
| Total risk-based capital ratio | 14.5592% | 3,801 |
| Memoranda: | ||
| Average total assets | $36,323,000 | 5,562 |
| Average earning assets | $32,666,500 | 5,563 |
| Average equity | $4,614,000 | 5,486 |
| Average total loans | $31,681,000 | 5,104 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2384% | 388 |
| Cost of funding earning assets | 0.9338% | 246 |
| Net interest margin | 4.3046% | 926 |
| Noninterest income to average assets | 0.7800% | 1,828 |
| Noninterest expense to average assets | 5.8607% | 173 |
| Loan and lease loss provision to assets | 0.3411% | 511 |
| Net operating income to assets | -1.0783% | 5,840 |
| Return on assets (ROA) | -1.0292% | 5,838 |
| Pretax return on assets | -1.4296% | 5,853 |
| Return on Equity (ROE) | -7.0360% | 5,812 |
| Retained earnings to average equity (ytd only) | -7.0360% | 5,731 |
| Net charge-offs to loans | 0.3016% | 912 |
| Credit loss provision to net charge-offs | 130.6818% | 2,058 |
| Earnings coverage of net charge-offs (x) | -4.4318% | 4,214 |
| Efficiency ratio | 124.5902% | 74 |
| Assets per employee ($millions) | 2.5519% | 5,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7749% | 988 |
| Loan loss allowance to noncurrent loans | 37.1717% | 4,954 |
| Noncurrent assets plus other real estate owned to assets | 5.3378% | 107 |
| Noncurrent loans to loans | 4.7749% | 177 |
| Net loans and leases to total assets | 85.5064% | 265 |
| Net loans and leases to deposits | 111.3022% | 198 |
| Net loans and leases to core deposits | 131.2650% | 270 |
| Total domestic deposits to total assets | 76.8236% | 5,143 |
| Equity capital to assets | 12.9206% | 1,287 |
| Core capital (leverage) ratio | 12.5684% | 1,311 |
| Tier 1 risk-based capital ratio | 14.2361% | 3,326 |
| Total risk-based capital ratio | 15.4948% | 3,251 |
| Memoranda: | ||
| Average total assets | $33,716,000 | 5,656 |
| Average earning assets | $30,734,600 | 5,648 |
| Average equity | $4,931,800 | 5,479 |
| Average total loans | $29,175,600 | 5,221 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2210% | 410 |
| Cost of funding earning assets | 0.9046% | 287 |
| Net interest margin | 4.3165% | 900 |
| Noninterest income to average assets | 0.7946% | 1,786 |
| Noninterest expense to average assets | 5.6826% | 190 |
| Loan and lease loss provision to assets | 0.4615% | 287 |
| Net operating income to assets | -1.4046% | 5,926 |
| Return on assets (ROA) | -1.3123% | 5,923 |
| Pretax return on assets | -1.3123% | 5,917 |
| Return on Equity (ROE) | -8.5816% | 5,899 |
| Retained earnings to average equity (ytd only) | -8.5816% | 5,829 |
| Net charge-offs to loans | 0.2881% | 793 |
| Credit loss provision to net charge-offs | 185.4839% | 1,513 |
| Earnings coverage of net charge-offs (x) | -3.7906% | 3,885 |
| Efficiency ratio | 119.8984% | 84 |
| Assets per employee ($millions) | 2.4841% | 5,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9453% | 789 |
| Loan loss allowance to noncurrent loans | 44.2234% | 4,876 |
| Noncurrent assets plus other real estate owned to assets | 4.1493% | 195 |
| Noncurrent loans to loans | 4.3987% | 225 |
| Net loans and leases to total assets | 83.7766% | 425 |
| Net loans and leases to deposits | 104.1056% | 450 |
| Net loans and leases to core deposits | 122.1184% | 457 |
| Total domestic deposits to total assets | 80.4727% | 4,400 |
| Equity capital to assets | 13.9863% | 1,036 |
| Core capital (leverage) ratio | 13.5859% | 969 |
| Tier 1 risk-based capital ratio | 16.3940% | 2,456 |
| Total risk-based capital ratio | 17.6548% | 2,405 |
| Memoranda: | ||
| Average total assets | $33,223,500 | 5,722 |
| Average earning assets | $30,363,500 | 5,714 |
| Average equity | $5,080,500 | 5,513 |
| Average total loans | $28,694,500 | 5,289 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2143% | 414 |
| Cost of funding earning assets | 0.8412% | 395 |
| Net interest margin | 4.3731% | 809 |
| Noninterest income to average assets | 0.8622% | 1,505 |
| Noninterest expense to average assets | 5.4119% | 219 |
| Loan and lease loss provision to assets | 0.2446% | 804 |
| Net operating income to assets | -0.7889% | 5,962 |
| Return on assets (ROA) | -0.6482% | 5,948 |
| Pretax return on assets | -0.6482% | 5,938 |
| Return on Equity (ROE) | -4.1144% | 5,918 |
| Retained earnings to average equity (ytd only) | -4.1144% | 5,701 |
| Net charge-offs to loans | 0.4373% | 515 |
| Credit loss provision to net charge-offs | 64.5161% | 2,524 |
| Earnings coverage of net charge-offs (x) | -1.4355% | 3,598 |
| Efficiency ratio | 111.1809% | 138 |
| Assets per employee ($millions) | 2.7335% | 5,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7768% | 1,123 |
| Loan loss allowance to noncurrent loans | 53.1712% | 4,728 |
| Noncurrent assets plus other real estate owned to assets | 2.8840% | 431 |
| Noncurrent loans to loans | 3.3417% | 405 |
| Net loans and leases to total assets | 84.7692% | 361 |
| Net loans and leases to deposits | 108.1104% | 301 |
| Net loans and leases to core deposits | 118.8189% | 544 |
| Total domestic deposits to total assets | 78.4099% | 4,915 |
| Equity capital to assets | 15.5021% | 625 |
| Core capital (leverage) ratio | 15.2317% | 566 |
| Tier 1 risk-based capital ratio | 18.3000% | 1,851 |
| Total risk-based capital ratio | 19.5593% | 1,811 |
| Memoranda: | ||
| Average total assets | $32,705,670 | 5,808 |
| Average earning assets | $29,956,000 | 5,789 |
| Average equity | $5,152,670 | 5,558 |
| Average total loans | $28,355,000 | 5,355 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1616% | 442 |
| Cost of funding earning assets | 0.7716% | 574 |
| Net interest margin | 4.3900% | 755 |
| Noninterest income to average assets | 0.8329% | 1,506 |
| Noninterest expense to average assets | 5.3158% | 232 |
| Loan and lease loss provision to assets | 0.3675% | 398 |
| Net operating income to assets | -0.8084% | 6,012 |
| Return on assets (ROA) | -0.8084% | 6,014 |
| Pretax return on assets | -0.8084% | 6,006 |
| Return on Equity (ROE) | -5.0901% | 5,972 |
| Retained earnings to average equity (ytd only) | -5.0901% | 5,614 |
| Net charge-offs to loans | 0.1832% | 1,061 |
| Credit loss provision to net charge-offs | 230.7692% | 990 |
| Earnings coverage of net charge-offs (x) | -2.7692% | 3,028 |
| Efficiency ratio | 109.0452% | 165 |
| Assets per employee ($millions) | 2.3641% | 5,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8774% | 999 |
| Loan loss allowance to noncurrent loans | 58.3423% | 4,624 |
| Noncurrent assets plus other real estate owned to assets | 2.8069% | 479 |
| Noncurrent loans to loans | 3.2180% | 467 |
| Net loans and leases to total assets | 85.5878% | 246 |
| Net loans and leases to deposits | 102.5338% | 483 |
| Net loans and leases to core deposits | 115.2722% | 623 |
| Total domestic deposits to total assets | 83.4728% | 3,722 |
| Equity capital to assets | 15.5724% | 589 |
| Core capital (leverage) ratio | 15.5252% | 530 |
| Tier 1 risk-based capital ratio | 18.5008% | 1,853 |
| Total risk-based capital ratio | 19.7587% | 1,809 |
| Memoranda: | ||
| Average total assets | $32,657,500 | 5,867 |
| Average earning assets | $30,068,000 | 5,847 |
| Average equity | $5,186,500 | 5,588 |
| Average total loans | $28,378,000 | 5,405 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2579% | 390 |
| Cost of funding earning assets | 0.6551% | 1,046 |
| Net interest margin | 4.6028% | 542 |
| Noninterest income to average assets | 0.8847% | 1,485 |
| Noninterest expense to average assets | 4.3828% | 440 |
| Loan and lease loss provision to assets | 0.3751% | 378 |
| Net operating income to assets | 0.3876% | 5,092 |
| Return on assets (ROA) | 0.3876% | 5,171 |
| Pretax return on assets | 0.3876% | 5,348 |
| Return on Equity (ROE) | 2.4400% | 5,470 |
| Retained earnings to average equity (ytd only) | 2.4400% | 4,330 |
| Net charge-offs to loans | 0.1432% | 1,918 |
| Credit loss provision to net charge-offs | 307.6923% | 962 |
| Earnings coverage of net charge-offs (x) | 6.2564% | 3,254 |
| Efficiency ratio | 85.1762% | 1,074 |
| Assets per employee ($millions) | 2.3013% | 5,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8862% | 979 |
| Loan loss allowance to noncurrent loans | 60.5293% | 4,621 |
| Noncurrent assets plus other real estate owned to assets | 2.6972% | 542 |
| Noncurrent loans to loans | 3.1161% | 500 |
| Net loans and leases to total assets | 84.9246% | 319 |
| Net loans and leases to deposits | 111.8373% | 203 |
| Net loans and leases to core deposits | 126.2505% | 329 |
| Total domestic deposits to total assets | 75.9358% | 5,447 |
| Equity capital to assets | 16.1990% | 497 |
| Core capital (leverage) ratio | 15.3003% | 568 |
| Tier 1 risk-based capital ratio | 19.2162% | 1,651 |
| Total risk-based capital ratio | 20.4817% | 1,608 |
| Memoranda: | ||
| Average total assets | $31,988,800 | 5,927 |
| Average earning assets | $29,612,400 | 5,905 |
| Average equity | $5,082,000 | 5,638 |
| Average total loans | $27,235,400 | 5,468 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2065% | 439 |
| Cost of funding earning assets | 0.6277% | 1,230 |
| Net interest margin | 4.5788% | 564 |
| Noninterest income to average assets | 0.8664% | 1,562 |
| Noninterest expense to average assets | 4.0517% | 630 |
| Loan and lease loss provision to assets | 0.3767% | 338 |
| Net operating income to assets | 0.6823% | 3,982 |
| Return on assets (ROA) | 0.6823% | 4,096 |
| Pretax return on assets | 0.6823% | 4,740 |
| Return on Equity (ROE) | 4.3682% | 4,883 |
| Retained earnings to average equity (ytd only) | 4.3682% | 3,365 |
| Net charge-offs to loans | 0.1921% | 1,331 |
| Credit loss provision to net charge-offs | 230.7692% | 1,204 |
| Earnings coverage of net charge-offs (x) | 6.4869% | 3,044 |
| Efficiency ratio | 79.2793% | 1,760 |
| Assets per employee ($millions) | 2.3783% | 6,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7359% | 1,397 |
| Loan loss allowance to noncurrent loans | 95.5598% | 3,767 |
| Noncurrent assets plus other real estate owned to assets | 1.5557% | 1,435 |
| Noncurrent loans to loans | 1.8165% | 1,301 |
| Net loans and leases to total assets | 84.1573% | 373 |
| Net loans and leases to deposits | 116.4630% | 145 |
| Net loans and leases to core deposits | 138.8759% | 180 |
| Total domestic deposits to total assets | 72.2609% | 5,843 |
| Equity capital to assets | 15.8097% | 593 |
| Core capital (leverage) ratio | 16.2257% | 457 |
| Tier 1 risk-based capital ratio | 18.9168% | 1,793 |
| Total risk-based capital ratio | 20.1731% | 1,759 |
| Memoranda: | ||
| Average total assets | $31,853,750 | 6,009 |
| Average earning assets | $29,526,500 | 5,989 |
| Average equity | $4,975,250 | 5,730 |
| Average total loans | $27,072,500 | 5,542 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1092% | 491 |
| Cost of funding earning assets | 0.6180% | 1,297 |
| Net interest margin | 4.4911% | 652 |
| Noninterest income to average assets | 0.8797% | 1,511 |
| Noninterest expense to average assets | 3.8887% | 774 |
| Loan and lease loss provision to assets | 0.3825% | 327 |
| Net operating income to assets | 0.7777% | 3,500 |
| Return on assets (ROA) | 0.7777% | 3,603 |
| Pretax return on assets | 0.7777% | 4,395 |
| Return on Equity (ROE) | 5.0010% | 4,617 |
| Retained earnings to average equity (ytd only) | 5.0010% | 2,865 |
| Net charge-offs to loans | 0.3008% | 879 |
| Credit loss provision to net charge-offs | 150.0000% | 1,529 |
| Earnings coverage of net charge-offs (x) | 4.5500% | 3,026 |
| Efficiency ratio | 77.0202% | 2,203 |
| Assets per employee ($millions) | 3.1615% | 5,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7215% | 1,555 |
| Loan loss allowance to noncurrent loans | 108.3916% | 3,522 |
| Noncurrent assets plus other real estate owned to assets | 1.3570% | 1,847 |
| Noncurrent loans to loans | 1.5882% | 1,653 |
| Net loans and leases to total assets | 83.9696% | 377 |
| Net loans and leases to deposits | 114.6293% | 164 |
| Net loans and leases to core deposits | 137.7133% | 181 |
| Total domestic deposits to total assets | 73.2532% | 5,849 |
| Equity capital to assets | 15.6097% | 585 |
| Core capital (leverage) ratio | 15.5449% | 537 |
| Tier 1 risk-based capital ratio | 16.8963% | 2,447 |
| Total risk-based capital ratio | 18.1495% | 2,398 |
| Memoranda: | ||
| Average total assets | $31,373,000 | 6,085 |
| Average earning assets | $29,124,000 | 6,062 |
| Average equity | $4,879,000 | 5,808 |
| Average total loans | $26,591,330 | 5,606 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1111% | 474 |
| Cost of funding earning assets | 0.6045% | 1,398 |
| Net interest margin | 4.5066% | 599 |
| Noninterest income to average assets | 0.8315% | 1,595 |
| Noninterest expense to average assets | 3.8760% | 799 |
| Loan and lease loss provision to assets | 0.3838% | 316 |
| Net operating income to assets | 0.7675% | 3,441 |
| Return on assets (ROA) | 0.7675% | 3,578 |
| Pretax return on assets | 0.7675% | 4,362 |
| Return on Equity (ROE) | 4.9474% | 4,553 |
| Retained earnings to average equity (ytd only) | 4.9474% | 3,082 |
| Net charge-offs to loans | 0.3032% | 781 |
| Credit loss provision to net charge-offs | 150.0000% | 1,240 |
| Earnings coverage of net charge-offs (x) | 4.5000% | 2,486 |
| Efficiency ratio | 77.0992% | 2,325 |
| Assets per employee ($millions) | 2.6186% | 6,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7122% | 1,707 |
| Loan loss allowance to noncurrent loans | 94.5833% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 1.5275% | 1,704 |
| Noncurrent loans to loans | 1.8102% | 1,497 |
| Net loans and leases to total assets | 82.9392% | 380 |
| Net loans and leases to deposits | 104.7087% | 344 |
| Net loans and leases to core deposits | 125.5335% | 301 |
| Total domestic deposits to total assets | 79.2095% | 5,231 |
| Equity capital to assets | 15.5332% | 616 |
| Core capital (leverage) ratio | 15.7208% | 502 |
| Tier 1 risk-based capital ratio | 29.4391% | 572 |
| Total risk-based capital ratio | 30.7057% | 560 |
| Memoranda: | ||
| Average total assets | $31,269,000 | 6,154 |
| Average earning assets | $29,113,000 | 6,124 |
| Average equity | $4,851,000 | 5,869 |
| Average total loans | $26,381,000 | 5,662 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2263% | 496 |
| Cost of funding earning assets | 0.6301% | 1,549 |
| Net interest margin | 4.5962% | 620 |
| Noninterest income to average assets | 0.9574% | 1,329 |
| Noninterest expense to average assets | 3.5959% | 1,316 |
| Loan and lease loss provision to assets | 0.3503% | 543 |
| Net operating income to assets | 1.2209% | 1,521 |
| Return on assets (ROA) | 1.2209% | 1,573 |
| Pretax return on assets | 1.2209% | 2,562 |
| Return on Equity (ROE) | 7.8879% | 3,192 |
| Retained earnings to average equity (ytd only) | 7.8879% | 1,061 |
| Net charge-offs to loans | 0.2037% | 2,037 |
| Credit loss provision to net charge-offs | 210.0000% | 1,178 |
| Earnings coverage of net charge-offs (x) | 9.4200% | 2,749 |
| Efficiency ratio | 69.5933% | 3,607 |
| Assets per employee ($millions) | 3.8894% | 4,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6917% | 1,795 |
| Loan loss allowance to noncurrent loans | 75.1269% | 4,356 |
| Noncurrent assets plus other real estate owned to assets | 1.8994% | 1,357 |
| Noncurrent loans to loans | 2.2518% | 1,167 |
| Net loans and leases to total assets | 82.9246% | 436 |
| Net loans and leases to deposits | 109.5906% | 250 |
| Net loans and leases to core deposits | 134.6379% | 203 |
| Total domestic deposits to total assets | 75.6677% | 5,791 |
| Equity capital to assets | 15.4941% | 609 |
| Core capital (leverage) ratio | 15.6360% | 515 |
| Tier 1 risk-based capital ratio | 18.5217% | 1,984 |
| Total risk-based capital ratio | 19.7756% | 1,953 |
| Memoranda: | ||
| Average total assets | $29,978,200 | 6,252 |
| Average earning assets | $27,457,400 | 6,230 |
| Average equity | $4,640,000 | 5,947 |
| Average total loans | $24,542,400 | 5,798 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2172% | 503 |
| Cost of funding earning assets | 0.6411% | 1,522 |
| Net interest margin | 4.5761% | 649 |
| Noninterest income to average assets | 0.9609% | 1,333 |
| Noninterest expense to average assets | 3.5607% | 1,366 |
| Loan and lease loss provision to assets | 0.3368% | 536 |
| Net operating income to assets | 1.2303% | 1,581 |
| Return on assets (ROA) | 1.2303% | 1,640 |
| Pretax return on assets | 1.2303% | 2,651 |
| Return on Equity (ROE) | 7.9508% | 3,237 |
| Retained earnings to average equity (ytd only) | 7.9508% | 1,388 |
| Net charge-offs to loans | 0.2820% | 1,394 |
| Credit loss provision to net charge-offs | 147.0588% | 1,604 |
| Earnings coverage of net charge-offs (x) | 6.8429% | 3,014 |
| Efficiency ratio | 69.4396% | 3,600 |
| Assets per employee ($millions) | 4.4531% | 3,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6252% | 2,211 |
| Loan loss allowance to noncurrent loans | 81.7822% | 4,146 |
| Noncurrent assets plus other real estate owned to assets | 1.6200% | 1,868 |
| Noncurrent loans to loans | 1.9872% | 1,600 |
| Net loans and leases to total assets | 80.2002% | 698 |
| Net loans and leases to deposits | 105.6189% | 346 |
| Net loans and leases to core deposits | 131.3094% | 227 |
| Total domestic deposits to total assets | 75.9335% | 5,824 |
| Equity capital to assets | 14.9589% | 739 |
| Core capital (leverage) ratio | 15.3874% | 564 |
| Tier 1 risk-based capital ratio | 18.3589% | 2,103 |
| Total risk-based capital ratio | 19.6136% | 2,065 |
| Memoranda: | ||
| Average total assets | $29,694,000 | 6,330 |
| Average earning assets | $27,038,250 | 6,313 |
| Average equity | $4,594,750 | 6,022 |
| Average total loans | $24,116,500 | 5,879 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1966% | 512 |
| Cost of funding earning assets | 0.6524% | 1,495 |
| Net interest margin | 4.5442% | 642 |
| Noninterest income to average assets | 0.9520% | 1,325 |
| Noninterest expense to average assets | 3.5889% | 1,314 |
| Loan and lease loss provision to assets | 0.3082% | 630 |
| Net operating income to assets | 1.2054% | 1,571 |
| Return on assets (ROA) | 1.2054% | 1,637 |
| Pretax return on assets | 1.2054% | 2,648 |
| Return on Equity (ROE) | 7.6990% | 3,265 |
| Retained earnings to average equity (ytd only) | 7.6990% | 1,436 |
| Net charge-offs to loans | 0.4307% | 952 |
| Credit loss provision to net charge-offs | 88.2353% | 2,212 |
| Earnings coverage of net charge-offs (x) | 4.3333% | 3,130 |
| Efficiency ratio | 70.3356% | 3,602 |
| Assets per employee ($millions) | 3.6390% | 4,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6124% | 2,418 |
| Loan loss allowance to noncurrent loans | 165.8009% | 2,499 |
| Noncurrent assets plus other real estate owned to assets | 0.7935% | 3,586 |
| Noncurrent loans to loans | 0.9725% | 3,289 |
| Net loans and leases to total assets | 80.2796% | 656 |
| Net loans and leases to deposits | 97.8726% | 676 |
| Net loans and leases to core deposits | 119.9066% | 382 |
| Total domestic deposits to total assets | 82.0246% | 4,637 |
| Equity capital to assets | 16.0346% | 551 |
| Core capital (leverage) ratio | 15.8229% | 501 |
| Tier 1 risk-based capital ratio | 19.6128% | 1,779 |
| Total risk-based capital ratio | 20.8679% | 1,748 |
| Memoranda: | ||
| Average total assets | $29,201,330 | 6,398 |
| Average earning assets | $26,671,330 | 6,387 |
| Average equity | $4,572,000 | 6,074 |
| Average total loans | $23,684,330 | 5,943 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2055% | 479 |
| Cost of funding earning assets | 0.6451% | 1,619 |
| Net interest margin | 4.5605% | 596 |
| Noninterest income to average assets | 0.9164% | 1,343 |
| Noninterest expense to average assets | 3.7749% | 1,027 |
| Loan and lease loss provision to assets | 0.2052% | 1,128 |
| Net operating income to assets | 1.0942% | 1,837 |
| Return on assets (ROA) | 1.0942% | 1,902 |
| Pretax return on assets | 1.0942% | 2,932 |
| Return on Equity (ROE) | 7.0734% | 3,435 |
| Retained earnings to average equity (ytd only) | 7.0734% | 2,011 |
| Net charge-offs to loans | -0.0169% | 5,271 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,409 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3935% | 3,069 |
| Assets per employee ($millions) | 3.2356% | 5,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7431% | 2,213 |
| Loan loss allowance to noncurrent loans | 201.4925% | 2,074 |
| Noncurrent assets plus other real estate owned to assets | 1.3942% | 2,549 |
| Noncurrent loans to loans | 0.8651% | 3,731 |
| Net loans and leases to total assets | 78.3997% | 717 |
| Net loans and leases to deposits | 95.0458% | 714 |
| Net loans and leases to core deposits | 115.4196% | 421 |
| Total domestic deposits to total assets | 82.4863% | 4,791 |
| Equity capital to assets | 15.6765% | 572 |
| Core capital (leverage) ratio | 15.3975% | 551 |
| Tier 1 risk-based capital ratio | 19.4350% | 1,848 |
| Total risk-based capital ratio | 20.6925% | 1,817 |
| Memoranda: | ||
| Average total assets | $29,246,000 | 6,466 |
| Average earning assets | $26,664,000 | 6,452 |
| Average equity | $4,524,000 | 6,129 |
| Average total loans | $23,649,500 | 5,998 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3166% | 508 |
| Cost of funding earning assets | 0.7209% | 1,671 |
| Net interest margin | 4.5957% | 614 |
| Noninterest income to average assets | 1.0230% | 1,339 |
| Noninterest expense to average assets | 3.8860% | 1,009 |
| Loan and lease loss provision to assets | 0.4772% | 590 |
| Net operating income to assets | 0.8616% | 2,966 |
| Return on assets (ROA) | 0.8616% | 3,049 |
| Pretax return on assets | 0.8616% | 3,911 |
| Return on Equity (ROE) | 5.7505% | 4,244 |
| Retained earnings to average equity (ytd only) | 4.0323% | 3,323 |
| Net charge-offs to loans | 0.7306% | 878 |
| Credit loss provision to net charge-offs | 81.2865% | 3,012 |
| Earnings coverage of net charge-offs (x) | 2.2807% | 4,255 |
| Efficiency ratio | 74.3758% | 3,065 |
| Assets per employee ($millions) | 3.2636% | 5,356 |
| Cash dividends to net income (ytd only)* | 29.8805% | 3,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6207% | 2,679 |
| Loan loss allowance to noncurrent loans | 167.3820% | 2,428 |
| Noncurrent assets plus other real estate owned to assets | 0.7933% | 3,900 |
| Noncurrent loans to loans | 0.9683% | 3,584 |
| Net loans and leases to total assets | 80.6006% | 533 |
| Net loans and leases to deposits | 96.9729% | 673 |
| Net loans and leases to core deposits | 115.9297% | 422 |
| Total domestic deposits to total assets | 83.1166% | 4,509 |
| Equity capital to assets | 15.2628% | 631 |
| Core capital (leverage) ratio | 15.0366% | 597 |
| Tier 1 risk-based capital ratio | 18.6970% | 2,013 |
| Total risk-based capital ratio | 19.9536% | 1,973 |
| Memoranda: | ||
| Average total assets | $29,130,200 | 6,541 |
| Average earning assets | $26,633,800 | 6,514 |
| Average equity | $4,364,800 | 6,246 |
| Average total loans | $23,405,200 | 6,061 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2716% | 554 |
| Cost of funding earning assets | 0.7323% | 1,724 |
| Net interest margin | 4.5393% | 690 |
| Noninterest income to average assets | 1.0182% | 1,402 |
| Noninterest expense to average assets | 3.8940% | 975 |
| Loan and lease loss provision to assets | 0.6100% | 393 |
| Net operating income to assets | 0.6651% | 4,040 |
| Return on assets (ROA) | 0.6651% | 4,177 |
| Pretax return on assets | 0.6651% | 4,805 |
| Return on Equity (ROE) | 4.4595% | 4,995 |
| Retained earnings to average equity (ytd only) | 4.4595% | 3,494 |
| Net charge-offs to loans | 1.7154% | 248 |
| Credit loss provision to net charge-offs | 44.4816% | 3,624 |
| Earnings coverage of net charge-offs (x) | 0.9298% | 4,543 |
| Efficiency ratio | 75.3327% | 2,843 |
| Assets per employee ($millions) | 3.1991% | 5,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0808% | 5,399 |
| Loan loss allowance to noncurrent loans | 48.1132% | 5,299 |
| Noncurrent assets plus other real estate owned to assets | 1.8408% | 2,215 |
| Noncurrent loans to loans | 2.2464% | 1,962 |
| Net loans and leases to total assets | 81.0572% | 446 |
| Net loans and leases to deposits | 98.1454% | 559 |
| Net loans and leases to core deposits | 115.8213% | 398 |
| Total domestic deposits to total assets | 82.5889% | 4,723 |
| Equity capital to assets | 15.5008% | 627 |
| Core capital (leverage) ratio | 15.2829% | 595 |
| Tier 1 risk-based capital ratio | 18.6908% | 2,081 |
| Total risk-based capital ratio | 19.7733% | 2,106 |
| Memoranda: | ||
| Average total assets | $29,069,750 | 6,616 |
| Average earning assets | $26,582,250 | 6,591 |
| Average equity | $4,335,250 | 6,329 |
| Average total loans | $23,240,500 | 6,131 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2048% | 636 |
| Cost of funding earning assets | 0.7446% | 1,741 |
| Net interest margin | 4.4602% | 764 |
| Noninterest income to average assets | 1.0219% | 1,465 |
| Noninterest expense to average assets | 3.9366% | 934 |
| Loan and lease loss provision to assets | 0.8916% | 218 |
| Net operating income to assets | 0.2606% | 5,744 |
| Return on assets (ROA) | 0.2606% | 5,874 |
| Pretax return on assets | 0.2606% | 5,979 |
| Return on Equity (ROE) | 1.7705% | 6,024 |
| Retained earnings to average equity (ytd only) | 1.7705% | 5,129 |
| Net charge-offs to loans | 2.5862% | 139 |
| Credit loss provision to net charge-offs | 43.4783% | 3,350 |
| Earnings coverage of net charge-offs (x) | 0.5619% | 4,351 |
| Efficiency ratio | 77.3585% | 2,567 |
| Assets per employee ($millions) | 2.6268% | 6,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0818% | 5,513 |
| Loan loss allowance to noncurrent loans | 48.0916% | 5,281 |
| Noncurrent assets plus other real estate owned to assets | 1.8135% | 2,393 |
| Noncurrent loans to loans | 2.2495% | 2,119 |
| Net loans and leases to total assets | 79.7439% | 560 |
| Net loans and leases to deposits | 95.8845% | 685 |
| Net loans and leases to core deposits | 112.9510% | 464 |
| Total domestic deposits to total assets | 83.1666% | 4,639 |
| Equity capital to assets | 14.9611% | 721 |
| Core capital (leverage) ratio | 14.9145% | 629 |
| Tier 1 risk-based capital ratio | 18.3564% | 2,190 |
| Total risk-based capital ratio | 19.4390% | 2,212 |
| Memoranda: | ||
| Average total assets | $29,162,330 | 6,665 |
| Average earning assets | $26,591,000 | 6,638 |
| Average equity | $4,292,670 | 6,386 |
| Average total loans | $23,123,000 | 6,170 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1057% | 736 |
| Cost of funding earning assets | 0.7464% | 1,875 |
| Net interest margin | 4.3593% | 865 |
| Noninterest income to average assets | 0.9967% | 1,469 |
| Noninterest expense to average assets | 3.9323% | 960 |
| Loan and lease loss provision to assets | 1.8706% | 64 |
| Net operating income to assets | -0.8192% | 6,768 |
| Return on assets (ROA) | -0.8192% | 6,780 |
| Pretax return on assets | -0.8192% | 6,758 |
| Return on Equity (ROE) | -5.6108% | 6,711 |
| Retained earnings to average equity (ytd only) | -5.6108% | 6,404 |
| Net charge-offs to loans | 5.1915% | 42 |
| Credit loss provision to net charge-offs | 45.8194% | 2,668 |
| Earnings coverage of net charge-offs (x) | 0.2575% | 3,734 |
| Efficiency ratio | 78.9041% | 2,477 |
| Assets per employee ($millions) | 3.2523% | 5,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0977% | 5,619 |
| Loan loss allowance to noncurrent loans | 48.0916% | 5,238 |
| Noncurrent assets plus other real estate owned to assets | 1.7902% | 2,616 |
| Noncurrent loans to loans | 2.2825% | 2,289 |
| Net loans and leases to total assets | 77.5682% | 661 |
| Net loans and leases to deposits | 92.7568% | 742 |
| Net loans and leases to core deposits | 110.6535% | 478 |
| Total domestic deposits to total assets | 83.6254% | 4,623 |
| Equity capital to assets | 14.5092% | 872 |
| Core capital (leverage) ratio | 14.1930% | 747 |
| Tier 1 risk-based capital ratio | 18.1601% | 2,298 |
| Total risk-based capital ratio | 19.2562% | 2,327 |
| Memoranda: | ||
| Average total assets | $29,296,000 | 6,729 |
| Average earning assets | $26,793,500 | 6,697 |
| Average equity | $4,277,500 | 6,451 |
| Average total loans | $23,037,500 | 6,220 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5175% | 600 |
| Cost of funding earning assets | 0.8730% | 2,113 |
| Net interest margin | 4.6445% | 723 |
| Noninterest income to average assets | 0.9921% | 1,557 |
| Noninterest expense to average assets | 4.1796% | 785 |
| Loan and lease loss provision to assets | 0.4364% | 1,456 |
| Net operating income to assets | 0.5659% | 4,398 |
| Return on assets (ROA) | 0.5659% | 4,658 |
| Pretax return on assets | 0.5659% | 5,089 |
| Return on Equity (ROE) | 3.8776% | 5,195 |
| Retained earnings to average equity (ytd only) | 2.1257% | 4,732 |
| Net charge-offs to loans | 0.9016% | 1,263 |
| Credit loss provision to net charge-offs | 60.3774% | 4,435 |
| Earnings coverage of net charge-offs (x) | 1.3868% | 4,762 |
| Efficiency ratio | 80.6579% | 2,058 |
| Assets per employee ($millions) | 2.4434% | 6,663 |
| Cash dividends to net income (ytd only)* | 45.1807% | 2,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7908% | 2,615 |
| Loan loss allowance to noncurrent loans | 50.2427% | 5,115 |
| Noncurrent assets plus other real estate owned to assets | 2.8103% | 1,704 |
| Noncurrent loans to loans | 3.5643% | 1,388 |
| Net loans and leases to total assets | 77.4326% | 737 |
| Net loans and leases to deposits | 93.1141% | 821 |
| Net loans and leases to core deposits | 111.1525% | 498 |
| Total domestic deposits to total assets | 83.1588% | 4,654 |
| Equity capital to assets | 14.6925% | 824 |
| Core capital (leverage) ratio | 14.4074% | 692 |
| Tier 1 risk-based capital ratio | 18.3098% | 2,169 |
| Total risk-based capital ratio | 19.5660% | 2,125 |
| Memoranda: | ||
| Average total assets | $29,333,000 | 6,770 |
| Average earning assets | $26,461,200 | 6,757 |
| Average equity | $4,281,000 | 6,504 |
| Average total loans | $23,513,400 | 6,267 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5694% | 585 |
| Cost of funding earning assets | 0.8945% | 2,208 |
| Net interest margin | 4.6749% | 709 |
| Noninterest income to average assets | 0.9908% | 1,531 |
| Noninterest expense to average assets | 4.1177% | 807 |
| Loan and lease loss provision to assets | 0.5817% | 980 |
| Net operating income to assets | 0.4954% | 4,857 |
| Return on assets (ROA) | 0.4954% | 5,129 |
| Pretax return on assets | 0.4954% | 5,480 |
| Return on Equity (ROE) | 3.4001% | 5,534 |
| Retained earnings to average equity (ytd only) | 3.4001% | 4,474 |
| Net charge-offs to loans | 1.1858% | 836 |
| Credit loss provision to net charge-offs | 60.9524% | 4,129 |
| Earnings coverage of net charge-offs (x) | 1.1286% | 4,733 |
| Efficiency ratio | 79.2651% | 2,198 |
| Assets per employee ($millions) | 2.4606% | 6,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7766% | 2,871 |
| Loan loss allowance to noncurrent loans | 48.0925% | 5,225 |
| Noncurrent assets plus other real estate owned to assets | 2.9295% | 1,788 |
| Noncurrent loans to loans | 3.6941% | 1,445 |
| Net loans and leases to total assets | 77.8948% | 747 |
| Net loans and leases to deposits | 95.3763% | 700 |
| Net loans and leases to core deposits | 114.6675% | 411 |
| Total domestic deposits to total assets | 81.6710% | 5,140 |
| Equity capital to assets | 14.7153% | 900 |
| Core capital (leverage) ratio | 14.5596% | 693 |
| Tier 1 risk-based capital ratio | 18.5056% | 2,165 |
| Total risk-based capital ratio | 19.7611% | 2,129 |
| Memoranda: | ||
| Average total assets | $29,336,000 | 6,857 |
| Average earning assets | $26,381,500 | 6,838 |
| Average equity | $4,274,250 | 6,576 |
| Average total loans | $23,612,250 | 6,345 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5935% | 583 |
| Cost of funding earning assets | 0.8980% | 2,414 |
| Net interest margin | 4.6955% | 680 |
| Noninterest income to average assets | 0.9975% | 1,471 |
| Noninterest expense to average assets | 4.0584% | 882 |
| Loan and lease loss provision to assets | 0.5808% | 1,041 |
| Net operating income to assets | 0.5739% | 4,480 |
| Return on assets (ROA) | 0.5739% | 4,754 |
| Pretax return on assets | 0.5739% | 5,233 |
| Return on Equity (ROE) | 3.9523% | 5,288 |
| Retained earnings to average equity (ytd only) | 3.9523% | 3,988 |
| Net charge-offs to loans | 0.0084% | 5,348 |
| Credit loss provision to net charge-offs | 8,500.0000% | 34 |
| Earnings coverage of net charge-offs (x) | 169.0000% | 270 |
| Efficiency ratio | 77.8506% | 2,481 |
| Assets per employee ($millions) | 2.6420% | 6,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4706% | 1,321 |
| Loan loss allowance to noncurrent loans | 66.3626% | 4,349 |
| Noncurrent assets plus other real estate owned to assets | 3.0177% | 1,825 |
| Noncurrent loans to loans | 3.7229% | 1,519 |
| Net loans and leases to total assets | 79.0551% | 611 |
| Net loans and leases to deposits | 98.4699% | 501 |
| Net loans and leases to core deposits | 119.1897% | 330 |
| Total domestic deposits to total assets | 80.2835% | 5,668 |
| Equity capital to assets | 14.8372% | 824 |
| Core capital (leverage) ratio | 14.4773% | 700 |
| Tier 1 risk-based capital ratio | 18.5315% | 2,123 |
| Total risk-based capital ratio | 19.7962% | 2,078 |
| Memoranda: | ||
| Average total assets | $29,272,330 | 6,909 |
| Average earning assets | $26,280,670 | 6,893 |
| Average equity | $4,250,670 | 6,615 |
| Average total loans | $23,677,670 | 6,381 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5976% | 628 |
| Cost of funding earning assets | 0.9505% | 2,305 |
| Net interest margin | 4.6470% | 750 |
| Noninterest income to average assets | 0.9940% | 1,443 |
| Noninterest expense to average assets | 3.9486% | 995 |
| Loan and lease loss provision to assets | 0.5446% | 1,086 |
| Net operating income to assets | 0.6944% | 3,915 |
| Return on assets (ROA) | 0.6944% | 4,134 |
| Pretax return on assets | 0.6944% | 4,812 |
| Return on Equity (ROE) | 4.8341% | 4,861 |
| Retained earnings to average equity (ytd only) | 4.8341% | 3,648 |
| Net charge-offs to loans | -0.0506% | 6,536 |
| Credit loss provision to net charge-offs | -1,333.3333% | 5,963 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1155% | 2,770 |
| Assets per employee ($millions) | 2.4718% | 6,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2763% | 1,720 |
| Loan loss allowance to noncurrent loans | 64.6356% | 4,285 |
| Noncurrent assets plus other real estate owned to assets | 2.8219% | 2,077 |
| Noncurrent loans to loans | 3.5217% | 1,770 |
| Net loans and leases to total assets | 78.3048% | 560 |
| Net loans and leases to deposits | 95.6708% | 559 |
| Net loans and leases to core deposits | 121.5830% | 287 |
| Total domestic deposits to total assets | 81.8482% | 5,347 |
| Equity capital to assets | 14.4095% | 888 |
| Core capital (leverage) ratio | 14.0981% | 777 |
| Tier 1 risk-based capital ratio | 18.1578% | 2,234 |
| Total risk-based capital ratio | 19.4197% | 2,207 |
| Memoranda: | ||
| Average total assets | $29,377,500 | 6,960 |
| Average earning assets | $26,511,500 | 6,945 |
| Average equity | $4,220,000 | 6,657 |
| Average total loans | $23,738,000 | 6,433 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8323% | 600 |
| Cost of funding earning assets | 1.0115% | 3,291 |
| Net interest margin | 4.8208% | 596 |
| Noninterest income to average assets | 1.0424% | 1,247 |
| Noninterest expense to average assets | 4.1623% | 850 |
| Loan and lease loss provision to assets | 0.6587% | 1,547 |
| Net operating income to assets | 0.5682% | 4,158 |
| Return on assets (ROA) | 0.5682% | 4,336 |
| Pretax return on assets | 0.5682% | 4,788 |
| Return on Equity (ROE) | 3.8825% | 4,908 |
| Retained earnings to average equity (ytd only) | 3.8825% | 3,448 |
| Net charge-offs to loans | 0.6529% | 2,516 |
| Credit loss provision to net charge-offs | 126.3889% | 2,459 |
| Earnings coverage of net charge-offs (x) | 2.3542% | 4,044 |
| Efficiency ratio | 77.2330% | 2,707 |
| Assets per employee ($millions) | 2.4245% | 6,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1005% | 2,004 |
| Loan loss allowance to noncurrent loans | 56.5267% | 4,685 |
| Noncurrent assets plus other real estate owned to assets | 3.0281% | 1,981 |
| Noncurrent loans to loans | 3.7159% | 1,695 |
| Net loans and leases to total assets | 79.7793% | 519 |
| Net loans and leases to deposits | 104.2348% | 305 |
| Net loans and leases to core deposits | 136.5273% | 187 |
| Total domestic deposits to total assets | 76.5381% | 6,400 |
| Equity capital to assets | 14.3191% | 960 |
| Core capital (leverage) ratio | 14.2997% | 757 |
| Tier 1 risk-based capital ratio | 17.9118% | 2,225 |
| Total risk-based capital ratio | 19.1753% | 2,193 |
| Memoranda: | ||
| Average total assets | $27,629,000 | 7,038 |
| Average earning assets | $24,912,800 | 7,016 |
| Average equity | $4,043,800 | 6,739 |
| Average total loans | $22,056,600 | 6,554 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8458% | 636 |
| Cost of funding earning assets | 1.0249% | 3,507 |
| Net interest margin | 4.8209% | 603 |
| Noninterest income to average assets | 1.0515% | 1,213 |
| Noninterest expense to average assets | 4.2401% | 763 |
| Loan and lease loss provision to assets | 0.6456% | 1,525 |
| Net operating income to assets | 0.5135% | 4,484 |
| Return on assets (ROA) | 0.5135% | 4,673 |
| Pretax return on assets | 0.5135% | 5,124 |
| Return on Equity (ROE) | 3.4884% | 5,230 |
| Retained earnings to average equity (ytd only) | 3.4884% | 4,258 |
| Net charge-offs to loans | 0.8871% | 1,800 |
| Credit loss provision to net charge-offs | 91.6667% | 3,721 |
| Earnings coverage of net charge-offs (x) | 1.6458% | 4,412 |
| Efficiency ratio | 78.5326% | 2,474 |
| Assets per employee ($millions) | 2.3591% | 7,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9658% | 2,432 |
| Loan loss allowance to noncurrent loans | 129.8551% | 2,332 |
| Noncurrent assets plus other real estate owned to assets | 1.2187% | 4,357 |
| Noncurrent loans to loans | 1.5138% | 4,017 |
| Net loans and leases to total assets | 78.9219% | 616 |
| Net loans and leases to deposits | 105.0350% | 280 |
| Net loans and leases to core deposits | 132.4049% | 219 |
| Total domestic deposits to total assets | 75.1386% | 6,626 |
| Equity capital to assets | 14.5678% | 971 |
| Core capital (leverage) ratio | 14.3790% | 800 |
| Tier 1 risk-based capital ratio | 18.2953% | 2,153 |
| Total risk-based capital ratio | 19.5570% | 2,111 |
| Memoranda: | ||
| Average total assets | $27,262,750 | 7,114 |
| Average earning assets | $24,586,750 | 7,094 |
| Average equity | $4,013,250 | 6,798 |
| Average total loans | $21,643,500 | 6,640 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8383% | 667 |
| Cost of funding earning assets | 1.0473% | 3,622 |
| Net interest margin | 4.7910% | 610 |
| Noninterest income to average assets | 0.9809% | 1,374 |
| Noninterest expense to average assets | 4.2134% | 818 |
| Loan and lease loss provision to assets | 0.5202% | 1,878 |
| Net operating income to assets | 0.5648% | 4,240 |
| Return on assets (ROA) | 0.5648% | 4,365 |
| Pretax return on assets | 0.5648% | 4,862 |
| Return on Equity (ROE) | 3.8226% | 5,013 |
| Retained earnings to average equity (ytd only) | 3.8226% | 3,778 |
| Net charge-offs to loans | 1.3640% | 1,114 |
| Credit loss provision to net charge-offs | 48.2759% | 4,624 |
| Earnings coverage of net charge-offs (x) | 1.0069% | 4,539 |
| Efficiency ratio | 79.5231% | 2,463 |
| Assets per employee ($millions) | 2.3378% | 7,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7457% | 3,168 |
| Loan loss allowance to noncurrent loans | 110.6322% | 2,610 |
| Noncurrent assets plus other real estate owned to assets | 1.2405% | 4,418 |
| Noncurrent loans to loans | 1.5779% | 4,032 |
| Net loans and leases to total assets | 77.2403% | 878 |
| Net loans and leases to deposits | 106.4397% | 252 |
| Net loans and leases to core deposits | 137.8611% | 202 |
| Total domestic deposits to total assets | 72.5672% | 6,970 |
| Equity capital to assets | 14.5149% | 937 |
| Core capital (leverage) ratio | 14.5994% | 745 |
| Tier 1 risk-based capital ratio | 18.6913% | 1,939 |
| Total risk-based capital ratio | 19.9477% | 1,902 |
| Memoranda: | ||
| Average total assets | $26,914,000 | 7,189 |
| Average earning assets | $24,253,670 | 7,169 |
| Average equity | $3,976,330 | 6,856 |
| Average total loans | $21,261,330 | 6,734 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8404% | 683 |
| Cost of funding earning assets | 1.0772% | 3,674 |
| Net interest margin | 4.7632% | 618 |
| Noninterest income to average assets | 0.8807% | 1,728 |
| Noninterest expense to average assets | 4.2514% | 769 |
| Loan and lease loss provision to assets | 0.4555% | 1,933 |
| Net operating income to assets | 0.4707% | 4,617 |
| Return on assets (ROA) | 0.4707% | 4,697 |
| Pretax return on assets | 0.4707% | 5,119 |
| Return on Equity (ROE) | 3.1564% | 5,301 |
| Retained earnings to average equity (ytd only) | 3.1564% | 4,282 |
| Net charge-offs to loans | 2.8181% | 389 |
| Credit loss provision to net charge-offs | 20.4082% | 4,251 |
| Earnings coverage of net charge-offs (x) | 0.4150% | 4,311 |
| Efficiency ratio | 82.1114% | 2,211 |
| Assets per employee ($millions) | 2.2589% | 7,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5743% | 3,849 |
| Loan loss allowance to noncurrent loans | 729.7872% | 484 |
| Noncurrent assets plus other real estate owned to assets | 0.1734% | 6,726 |
| Noncurrent loans to loans | 0.2157% | 6,541 |
| Net loans and leases to total assets | 79.1087% | 608 |
| Net loans and leases to deposits | 110.8962% | 170 |
| Net loans and leases to core deposits | 133.2753% | 238 |
| Total domestic deposits to total assets | 71.3358% | 7,118 |
| Equity capital to assets | 14.7084% | 831 |
| Core capital (leverage) ratio | 15.0142% | 665 |
| Tier 1 risk-based capital ratio | 18.7838% | 1,872 |
| Total risk-based capital ratio | 20.0370% | 1,829 |
| Memoranda: | ||
| Average total assets | $26,344,000 | 7,253 |
| Average earning assets | $23,765,500 | 7,237 |
| Average equity | $3,928,500 | 6,902 |
| Average total loans | $20,865,000 | 6,798 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8115% | 1,251 |
| Cost of funding earning assets | 1.3168% | 3,774 |
| Net interest margin | 4.4947% | 1,238 |
| Noninterest income to average assets | 0.8997% | 1,850 |
| Noninterest expense to average assets | 4.7415% | 527 |
| Loan and lease loss provision to assets | 0.8916% | 1,831 |
| Net operating income to assets | -0.7497% | 6,550 |
| Return on assets (ROA) | -0.7295% | 6,568 |
| Pretax return on assets | -0.7295% | 6,475 |
| Return on Equity (ROE) | -4.4444% | 6,386 |
| Retained earnings to average equity (ytd only) | -4.4444% | 6,241 |
| Net charge-offs to loans | 0.0759% | 6,044 |
| Credit loss provision to net charge-offs | 1,571.4286% | 154 |
| Earnings coverage of net charge-offs (x) | 2.5000% | 3,864 |
| Efficiency ratio | 97.0954% | 915 |
| Assets per employee ($millions) | 2.1318% | 7,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3066% | 1,684 |
| Loan loss allowance to noncurrent loans | 144.6541% | 2,058 |
| Noncurrent assets plus other real estate owned to assets | 1.2431% | 4,536 |
| Noncurrent loans to loans | 1.5945% | 4,106 |
| Net loans and leases to total assets | 76.1620% | 1,243 |
| Net loans and leases to deposits | 101.2156% | 519 |
| Net loans and leases to core deposits | 119.1548% | 556 |
| Total domestic deposits to total assets | 75.2473% | 6,738 |
| Equity capital to assets | 15.1284% | 756 |
| Core capital (leverage) ratio | 14.9559% | 673 |
| Tier 1 risk-based capital ratio | 19.8790% | 1,509 |
| Total risk-based capital ratio | 21.1405% | 1,482 |
| Memoranda: | ||
| Average total assets | $24,675,600 | 7,358 |
| Average earning assets | $21,870,400 | 7,355 |
| Average equity | $4,050,000 | 6,984 |
| Average total loans | $18,455,600 | 7,004 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9080% | 1,118 |
| Cost of funding earning assets | 1.3472% | 3,918 |
| Net interest margin | 4.5608% | 1,129 |
| Noninterest income to average assets | 0.9107% | 1,760 |
| Noninterest expense to average assets | 4.5154% | 576 |
| Loan and lease loss provision to assets | 0.5453% | 2,768 |
| Net operating income to assets | -0.1254% | 6,213 |
| Return on assets (ROA) | -0.1254% | 6,302 |
| Pretax return on assets | -0.1254% | 6,252 |
| Return on Equity (ROE) | -0.7490% | 6,255 |
| Retained earnings to average equity (ytd only) | -0.7490% | 5,973 |
| Net charge-offs to loans | 0.0958% | 5,573 |
| Credit loss provision to net charge-offs | 769.2308% | 384 |
| Earnings coverage of net charge-offs (x) | 5.9238% | 2,639 |
| Efficiency ratio | 91.4917% | 1,171 |
| Assets per employee ($millions) | 1.8748% | 7,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7426% | 3,016 |
| Loan loss allowance to noncurrent loans | 106.5625% | 2,627 |
| Noncurrent assets plus other real estate owned to assets | 1.3130% | 4,522 |
| Noncurrent loans to loans | 1.6352% | 4,194 |
| Net loans and leases to total assets | 78.8938% | 902 |
| Net loans and leases to deposits | 109.3308% | 268 |
| Net loans and leases to core deposits | 138.6701% | 270 |
| Total domestic deposits to total assets | 72.1607% | 7,110 |
| Equity capital to assets | 16.7692% | 547 |
| Core capital (leverage) ratio | 15.8240% | 586 |
| Tier 1 risk-based capital ratio | 21.3721% | 1,304 |
| Total risk-based capital ratio | 22.6268% | 1,279 |
| Memoranda: | ||
| Average total assets | $24,449,250 | 7,459 |
| Average earning assets | $21,574,750 | 7,458 |
| Average equity | $4,095,000 | 7,055 |
| Average total loans | $18,083,750 | 7,113 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6554% | 1,924 |
| Cost of funding earning assets | 1.3651% | 4,086 |
| Net interest margin | 4.2903% | 1,817 |
| Noninterest income to average assets | 0.9152% | 1,639 |
| Noninterest expense to average assets | 4.4290% | 624 |
| Loan and lease loss provision to assets | 0.5638% | 2,516 |
| Net operating income to assets | -0.3023% | 6,476 |
| Return on assets (ROA) | -0.3023% | 6,520 |
| Pretax return on assets | -0.3023% | 6,429 |
| Return on Equity (ROE) | -1.8059% | 6,404 |
| Retained earnings to average equity (ytd only) | -1.8059% | 6,114 |
| Net charge-offs to loans | -0.0114% | 7,211 |
| Credit loss provision to net charge-offs | -6,900.0000% | 7,054 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4251% | 1,044 |
| Assets per employee ($millions) | 2.0359% | 7,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7573% | 2,864 |
| Loan loss allowance to noncurrent loans | 99.6923% | 2,770 |
| Noncurrent assets plus other real estate owned to assets | 1.3303% | 4,493 |
| Noncurrent loans to loans | 1.7628% | 4,043 |
| Net loans and leases to total assets | 74.1394% | 1,880 |
| Net loans and leases to deposits | 106.6851% | 362 |
| Net loans and leases to core deposits | 129.0284% | 435 |
| Total domestic deposits to total assets | 69.4937% | 7,362 |
| Equity capital to assets | 16.7492% | 564 |
| Core capital (leverage) ratio | 16.5197% | 493 |
| Tier 1 risk-based capital ratio | 21.9598% | 1,208 |
| Total risk-based capital ratio | 23.2150% | 1,182 |
| Memoranda: | ||
| Average total assets | $24,475,000 | 7,518 |
| Average earning assets | $21,537,000 | 7,518 |
| Average equity | $4,097,670 | 7,082 |
| Average total loans | $17,588,670 | 7,192 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5390% | 2,415 |
| Cost of funding earning assets | 1.3987% | 4,183 |
| Net interest margin | 4.1402% | 2,266 |
| Noninterest income to average assets | 0.8328% | 1,873 |
| Noninterest expense to average assets | 4.1964% | 812 |
| Loan and lease loss provision to assets | 0.3756% | 3,116 |
| Net operating income to assets | -0.1143% | 6,445 |
| Return on assets (ROA) | -0.1143% | 6,522 |
| Pretax return on assets | -0.1143% | 6,477 |
| Return on Equity (ROE) | -0.6828% | 6,488 |
| Retained earnings to average equity (ytd only) | -0.6828% | 5,990 |
| Net charge-offs to loans | -0.0233% | 7,115 |
| Credit loss provision to net charge-offs | -2,300.0000% | 6,535 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1392% | 1,129 |
| Assets per employee ($millions) | 2.0539% | 7,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5995% | 3,447 |
| Loan loss allowance to noncurrent loans | 79.8271% | 3,407 |
| Noncurrent assets plus other real estate owned to assets | 1.4079% | 4,400 |
| Noncurrent loans to loans | 2.0037% | 3,785 |
| Net loans and leases to total assets | 69.1403% | 3,127 |
| Net loans and leases to deposits | 97.5946% | 947 |
| Net loans and leases to core deposits | 117.7027% | 881 |
| Total domestic deposits to total assets | 70.8443% | 7,353 |
| Equity capital to assets | 16.6673% | 570 |
| Core capital (leverage) ratio | 16.6329% | 486 |
| Tier 1 risk-based capital ratio | 22.7057% | 1,117 |
| Total risk-based capital ratio | 23.9602% | 1,091 |
| Memoranda: | ||
| Average total assets | $24,497,000 | 7,608 |
| Average earning assets | $21,448,000 | 7,615 |
| Average equity | $4,100,500 | 7,143 |
| Average total loans | $17,164,500 | 7,304 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1061% | 1,499 |
| Cost of funding earning assets | 2.1084% | 2,419 |
| Net interest margin | 3.9977% | 2,874 |
| Noninterest income to average assets | 0.8730% | 2,063 |
| Noninterest expense to average assets | 5.2658% | 442 |
| Loan and lease loss provision to assets | 0.5652% | 3,550 |
| Net operating income to assets | -1.4382% | 6,826 |
| Return on assets (ROA) | -1.4382% | 6,831 |
| Pretax return on assets | -1.4382% | 6,663 |
| Return on Equity (ROE) | -7.3268% | 6,412 |
| Retained earnings to average equity (ytd only) | -7.3268% | 6,275 |
| Net charge-offs to loans | 0.5421% | 3,622 |
| Credit loss provision to net charge-offs | 146.4286% | 3,235 |
| Earnings coverage of net charge-offs (x) | -2.2619% | 7,020 |
| Efficiency ratio | 119.8745% | 610 |
| Assets per employee ($millions) | 2.2134% | 7,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4932% | 3,768 |
| Loan loss allowance to noncurrent loans | 63.8191% | 4,201 |
| Noncurrent assets plus other real estate owned to assets | 1.6347% | 3,921 |
| Noncurrent loans to loans | 2.3397% | 3,245 |
| Net loans and leases to total assets | 68.8257% | 3,527 |
| Net loans and leases to deposits | 100.9458% | 831 |
| Net loans and leases to core deposits | 149.0306% | 531 |
| Total domestic deposits to total assets | 68.1809% | 7,533 |
| Equity capital to assets | 16.8111% | 578 |
| Core capital (leverage) ratio | 16.7704% | 517 |
| Tier 1 risk-based capital ratio | 23.2704% | 1,013 |
| Total risk-based capital ratio | 24.5220% | 994 |
| Memoranda: | ||
| Average total assets | $21,763,000 | 7,727 |
| Average earning assets | $19,161,200 | 7,726 |
| Average equity | $4,272,000 | 7,186 |
| Average total loans | $15,494,400 | 7,424 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1531% | 1,486 |
| Cost of funding earning assets | 2.1924% | 2,442 |
| Net interest margin | 3.9607% | 2,991 |
| Noninterest income to average assets | 0.8903% | 2,022 |
| Noninterest expense to average assets | 5.0637% | 465 |
| Loan and lease loss provision to assets | 0.4925% | 3,444 |
| Net operating income to assets | -1.1870% | 6,951 |
| Return on assets (ROA) | -1.1870% | 6,957 |
| Pretax return on assets | -1.1870% | 6,809 |
| Return on Equity (ROE) | -5.8067% | 6,536 |
| Retained earnings to average equity (ytd only) | -5.8067% | 6,366 |
| Net charge-offs to loans | 0.7410% | 2,512 |
| Credit loss provision to net charge-offs | 92.8571% | 5,403 |
| Earnings coverage of net charge-offs (x) | -1.3095% | 6,681 |
| Efficiency ratio | 115.8960% | 657 |
| Assets per employee ($millions) | 2.0357% | 7,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2691% | 4,696 |
| Loan loss allowance to noncurrent loans | 54.1451% | 4,715 |
| Noncurrent assets plus other real estate owned to assets | 1.7238% | 3,782 |
| Noncurrent loans to loans | 2.3439% | 3,213 |
| Net loans and leases to total assets | 72.6075% | 2,881 |
| Net loans and leases to deposits | 93.6417% | 1,941 |
| Net loans and leases to core deposits | 145.7161% | 700 |
| Total domestic deposits to total assets | 77.5376% | 6,211 |
| Equity capital to assets | 18.8541% | 429 |
| Core capital (leverage) ratio | 18.6085% | 409 |
| Tier 1 risk-based capital ratio | 24.6534% | 932 |
| Total risk-based capital ratio | 25.8971% | 911 |
| Memoranda: | ||
| Average total assets | $21,117,000 | 7,822 |
| Average earning assets | $18,548,500 | 7,819 |
| Average equity | $4,316,750 | 7,246 |
| Average total loans | $15,115,250 | 7,511 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3383% | 1,117 |
| Cost of funding earning assets | 2.2207% | 2,700 |
| Net interest margin | 4.1177% | 2,262 |
| Noninterest income to average assets | 0.8313% | 2,263 |
| Noninterest expense to average assets | 4.8909% | 557 |
| Loan and lease loss provision to assets | 0.2803% | 4,333 |
| Net operating income to assets | -0.7733% | 6,814 |
| Return on assets (ROA) | -0.7733% | 6,817 |
| Pretax return on assets | -0.7733% | 6,667 |
| Return on Equity (ROE) | -3.6796% | 6,443 |
| Retained earnings to average equity (ytd only) | -3.6796% | 6,079 |
| Net charge-offs to loans | 0.0818% | 5,386 |
| Credit loss provision to net charge-offs | 483.3333% | 959 |
| Earnings coverage of net charge-offs (x) | -8.5000% | 6,508 |
| Efficiency ratio | 111.2088% | 819 |
| Assets per employee ($millions) | 2.1736% | 7,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5979% | 2,754 |
| Loan loss allowance to noncurrent loans | 111.2150% | 2,645 |
| Noncurrent assets plus other real estate owned to assets | 0.9845% | 4,999 |
| Noncurrent loans to loans | 1.4367% | 4,346 |
| Net loans and leases to total assets | 67.4319% | 4,267 |
| Net loans and leases to deposits | 87.1662% | 3,327 |
| Net loans and leases to core deposits | 132.7026% | 1,387 |
| Total domestic deposits to total assets | 77.3601% | 6,238 |
| Equity capital to assets | 19.8197% | 399 |
| Core capital (leverage) ratio | 20.1031% | 355 |
| Tier 1 risk-based capital ratio | 29.0877% | 659 |
| Total risk-based capital ratio | 30.2512% | 649 |
| Memoranda: | ||
| Average total assets | $20,691,670 | 7,905 |
| Average earning assets | $17,922,670 | 7,922 |
| Average equity | $4,348,330 | 7,293 |
| Average total loans | $14,664,330 | 7,611 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4772% | 909 |
| Cost of funding earning assets | 2.3066% | 2,665 |
| Net interest margin | 4.1705% | 2,009 |
| Noninterest income to average assets | 0.7139% | 2,800 |
| Noninterest expense to average assets | 4.8588% | 534 |
| Loan and lease loss provision to assets | 0.1388% | 5,188 |
| Net operating income to assets | -0.7338% | 7,085 |
| Return on assets (ROA) | -0.7338% | 7,117 |
| Pretax return on assets | -0.7338% | 6,988 |
| Return on Equity (ROE) | -3.3879% | 6,825 |
| Retained earnings to average equity (ytd only) | -3.3879% | 6,345 |
| Net charge-offs to loans | 0.0275% | 5,144 |
| Credit loss provision to net charge-offs | 700.0000% | 846 |
| Earnings coverage of net charge-offs (x) | -30.0000% | 5,683 |
| Efficiency ratio | 113.9535% | 732 |
| Assets per employee ($millions) | 2.2830% | 7,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5092% | 2,931 |
| Loan loss allowance to noncurrent loans | 107.2816% | 2,868 |
| Noncurrent assets plus other real estate owned to assets | 1.0026% | 4,691 |
| Noncurrent loans to loans | 1.4067% | 4,204 |
| Net loans and leases to total assets | 70.1952% | 3,627 |
| Net loans and leases to deposits | 93.0516% | 2,426 |
| Net loans and leases to core deposits | 136.1046% | 1,302 |
| Total domestic deposits to total assets | 75.4368% | 6,613 |
| Equity capital to assets | 21.2440% | 347 |
| Core capital (leverage) ratio | 21.2802% | 338 |
| Tier 1 risk-based capital ratio | 29.2450% | 671 |
| Total risk-based capital ratio | 30.4920% | 653 |
| Memoranda: | ||
| Average total assets | $20,169,500 | 7,968 |
| Average earning assets | $17,168,000 | 7,987 |
| Average equity | $4,368,500 | 7,330 |
| Average total loans | $14,549,000 | 7,660 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9660% | 1,219 |
| Cost of funding earning assets | 2.6972% | 3,167 |
| Net interest margin | 4.2688% | 2,072 |
| Noninterest income to average assets | 0.8512% | 2,218 |
| Noninterest expense to average assets | 6.8582% | 293 |
| Loan and lease loss provision to assets | 0.6870% | 2,125 |
| Net operating income to assets | -2.9123% | 7,808 |
| Return on assets (ROA) | -3.2224% | 7,849 |
| Pretax return on assets | -3.2224% | 7,767 |
| Return on Equity (ROE) | -11.4441% | 7,385 |
| Retained earnings to average equity (ytd only) | -11.4441% | 7,203 |
| Net charge-offs to loans | 0.0695% | 5,780 |
| Credit loss provision to net charge-offs | 1,412.5000% | 321 |
| Earnings coverage of net charge-offs (x) | -45.7500% | 6,981 |
| Efficiency ratio | 148.0315% | 360 |
| Assets per employee ($millions) | 1.9792% | 7,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4875% | 2,756 |
| Loan loss allowance to noncurrent loans | 129.5181% | 2,804 |
| Noncurrent assets plus other real estate owned to assets | 0.8387% | 4,748 |
| Noncurrent loans to loans | 1.1485% | 4,246 |
| Net loans and leases to total assets | 71.9432% | 3,602 |
| Net loans and leases to deposits | 108.7445% | 918 |
| Net loans and leases to core deposits | 160.8381% | 557 |
| Total domestic deposits to total assets | 66.1580% | 7,648 |
| Equity capital to assets | 22.0897% | 347 |
| Core capital (leverage) ratio | 23.4296% | 293 |
| Tier 1 risk-based capital ratio | 29.6261% | 659 |
| Total risk-based capital ratio | 30.8770% | 640 |
| Memoranda: | ||
| Average total assets | $16,447,400 | 8,126 |
| Average earning assets | $14,570,800 | 8,117 |
| Average equity | $4,631,200 | 7,290 |
| Average total loans | $11,511,200 | 7,862 |