Home > Metro Bank > Performance and Condition Ratios
Metro Bank, Performance and Condition Ratios
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6672% | 4,446 |
| Cost of funding earning assets | 1.7124% | 120 |
| Net interest margin | 1.9548% | 5,024 |
| Noninterest income to average assets | 0.4339% | 2,887 |
| Noninterest expense to average assets | 4.3538% | 352 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -2.1096% | 5,055 |
| Return on assets (ROA) | -2.1096% | 5,042 |
| Pretax return on assets | -2.1096% | 5,030 |
| Return on Equity (ROE) | -11.7745% | 5,014 |
| Retained earnings to average equity (ytd only) | -11.7745% | 4,822 |
| Net charge-offs to loans | -0.1637% | 4,916 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 194.0000% | 27 |
| Assets per employee ($millions) | 3.8800% | 4,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3581% | 1,869 |
| Loan loss allowance to noncurrent loans | 80.8824% | 3,552 |
| Noncurrent assets plus other real estate owned to assets | 0.7511% | 1,801 |
| Noncurrent loans to loans | 1.6792% | 910 |
| Net loans and leases to total assets | 44.1237% | 4,500 |
| Net loans and leases to deposits | 53.9504% | 4,446 |
| Net loans and leases to core deposits | 69.1119% | 3,930 |
| Total domestic deposits to total assets | 81.7857% | 3,475 |
| Equity capital to assets | 17.6141% | 386 |
| Core capital (leverage) ratio | 17.1701% | 394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.0721% | 282 |
| Memoranda: | ||
| Average total assets | $26,735,500 | 5,002 |
| Average earning assets | $24,760,000 | 4,991 |
| Average equity | $4,790,000 | 4,865 |
| Average total loans | $12,215,000 | 4,961 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0866% | 4,068 |
| Cost of funding earning assets | 1.5211% | 374 |
| Net interest margin | 2.5655% | 4,933 |
| Noninterest income to average assets | 0.7343% | 1,688 |
| Noninterest expense to average assets | 5.2089% | 185 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | -2.1193% | 5,132 |
| Return on assets (ROA) | -2.1193% | 5,134 |
| Pretax return on assets | -2.1193% | 5,132 |
| Return on Equity (ROE) | -11.1355% | 5,126 |
| Retained earnings to average equity (ytd only) | -11.1355% | 5,078 |
| Net charge-offs to loans | -0.1407% | 5,008 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 168.5961% | 31 |
| Assets per employee ($millions) | 3.2889% | 4,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3028% | 1,907 |
| Loan loss allowance to noncurrent loans | 78.4314% | 3,620 |
| Noncurrent assets plus other real estate owned to assets | 0.7753% | 1,665 |
| Noncurrent loans to loans | 1.6611% | 833 |
| Net loans and leases to total assets | 46.0682% | 4,516 |
| Net loans and leases to deposits | 56.9248% | 4,421 |
| Net loans and leases to core deposits | 68.2719% | 4,065 |
| Total domestic deposits to total assets | 80.9281% | 3,782 |
| Equity capital to assets | 18.2281% | 350 |
| Core capital (leverage) ratio | 18.1794% | 331 |
| Tier 1 risk-based capital ratio | 29.5012% | 493 |
| Total risk-based capital ratio | 30.4901% | 493 |
| Memoranda: | ||
| Average total assets | $26,281,800 | 5,063 |
| Average earning assets | $24,127,600 | 5,052 |
| Average equity | $5,002,000 | 4,880 |
| Average total loans | $12,796,000 | 5,011 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1695% | 3,990 |
| Cost of funding earning assets | 1.4768% | 440 |
| Net interest margin | 2.6927% | 4,944 |
| Noninterest income to average assets | 0.4719% | 2,892 |
| Noninterest expense to average assets | 5.4247% | 166 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | -2.4916% | 5,219 |
| Return on assets (ROA) | -2.4916% | 5,219 |
| Pretax return on assets | -2.4916% | 5,216 |
| Return on Equity (ROE) | -12.9544% | 5,213 |
| Retained earnings to average equity (ytd only) | -12.9544% | 5,169 |
| Net charge-offs to loans | -0.1547% | 5,071 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 184.9481% | 26 |
| Assets per employee ($millions) | 3.2219% | 4,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3195% | 1,886 |
| Loan loss allowance to noncurrent loans | 76.9608% | 3,705 |
| Noncurrent assets plus other real estate owned to assets | 3.1271% | 173 |
| Noncurrent loans to loans | 1.7146% | 853 |
| Net loans and leases to total assets | 45.5519% | 4,630 |
| Net loans and leases to deposits | 57.1978% | 4,504 |
| Net loans and leases to core deposits | 66.1800% | 4,267 |
| Total domestic deposits to total assets | 79.6392% | 4,064 |
| Equity capital to assets | 18.8128% | 324 |
| Core capital (leverage) ratio | 18.4572% | 322 |
| Tier 1 risk-based capital ratio | 30.5680% | 467 |
| Total risk-based capital ratio | 31.5600% | 466 |
| Memoranda: | ||
| Average total assets | $26,274,500 | 5,140 |
| Average earning assets | $24,015,000 | 5,127 |
| Average equity | $5,053,500 | 4,940 |
| Average total loans | $12,924,750 | 5,087 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2187% | 3,876 |
| Cost of funding earning assets | 1.3980% | 538 |
| Net interest margin | 2.8207% | 4,904 |
| Noninterest income to average assets | 0.3253% | 3,766 |
| Noninterest expense to average assets | 5.4007% | 168 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -2.4810% | 5,265 |
| Return on assets (ROA) | -2.4810% | 5,265 |
| Pretax return on assets | -2.4810% | 5,262 |
| Return on Equity (ROE) | -12.8083% | 5,255 |
| Retained earnings to average equity (ytd only) | -12.8083% | 5,206 |
| Net charge-offs to loans | -0.2563% | 5,164 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 184.9741% | 28 |
| Assets per employee ($millions) | 3.7893% | 4,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3217% | 1,921 |
| Loan loss allowance to noncurrent loans | 77.1845% | 3,703 |
| Noncurrent assets plus other real estate owned to assets | 3.0462% | 193 |
| Noncurrent loans to loans | 1.7124% | 890 |
| Net loans and leases to total assets | 44.7540% | 4,689 |
| Net loans and leases to deposits | 56.1117% | 4,587 |
| Net loans and leases to core deposits | 64.5584% | 4,386 |
| Total domestic deposits to total assets | 79.7587% | 4,081 |
| Equity capital to assets | 18.8841% | 300 |
| Core capital (leverage) ratio | 18.8085% | 292 |
| Tier 1 risk-based capital ratio | 31.4984% | 434 |
| Total risk-based capital ratio | 32.4935% | 440 |
| Memoranda: | ||
| Average total assets | $26,441,000 | 5,184 |
| Average earning assets | $24,320,330 | 5,171 |
| Average equity | $5,121,670 | 4,970 |
| Average total loans | $13,267,000 | 5,122 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0211% | 4,327 |
| Cost of funding earning assets | 1.3184% | 622 |
| Net interest margin | 2.7027% | 5,061 |
| Noninterest income to average assets | 0.2424% | 4,268 |
| Noninterest expense to average assets | 5.3487% | 172 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -2.6213% | 5,328 |
| Return on assets (ROA) | -2.6213% | 5,328 |
| Pretax return on assets | -2.6213% | 5,324 |
| Return on Equity (ROE) | -13.3642% | 5,309 |
| Retained earnings to average equity (ytd only) | -13.3642% | 5,181 |
| Net charge-offs to loans | -0.1152% | 5,058 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 196.1111% | 25 |
| Assets per employee ($millions) | 3.8013% | 4,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0532% | 3,391 |
| Loan loss allowance to noncurrent loans | 68.3962% | 3,912 |
| Noncurrent assets plus other real estate owned to assets | 3.0591% | 206 |
| Noncurrent loans to loans | 1.5399% | 1,040 |
| Net loans and leases to total assets | 51.1932% | 4,392 |
| Net loans and leases to deposits | 64.1942% | 4,169 |
| Net loans and leases to core deposits | 73.8480% | 3,804 |
| Total domestic deposits to total assets | 79.7475% | 4,213 |
| Equity capital to assets | 19.2379% | 266 |
| Core capital (leverage) ratio | 19.5398% | 256 |
| Tier 1 risk-based capital ratio | 28.9965% | 510 |
| Total risk-based capital ratio | 29.8121% | 526 |
| Memoranda: | ||
| Average total assets | $26,399,000 | 5,240 |
| Average earning assets | $24,272,000 | 5,226 |
| Average equity | $5,178,000 | 5,005 |
| Average total loans | $13,885,500 | 5,166 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5578% | 4,851 |
| Cost of funding earning assets | 0.9782% | 824 |
| Net interest margin | 2.5796% | 5,165 |
| Noninterest income to average assets | 2.5192% | 195 |
| Noninterest expense to average assets | 5.0014% | 207 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | -0.0593% | 5,249 |
| Return on assets (ROA) | -0.0593% | 5,246 |
| Pretax return on assets | -0.0593% | 5,241 |
| Return on Equity (ROE) | -0.3073% | 5,240 |
| Retained earnings to average equity (ytd only) | -0.3073% | 5,019 |
| Net charge-offs to loans | -0.0582% | 5,020 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.1994% | 132 |
| Assets per employee ($millions) | 4.3648% | 3,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0069% | 3,638 |
| Loan loss allowance to noncurrent loans | 64.6789% | 4,027 |
| Noncurrent assets plus other real estate owned to assets | 3.2724% | 172 |
| Noncurrent loans to loans | 1.5567% | 957 |
| Net loans and leases to total assets | 52.9344% | 4,355 |
| Net loans and leases to deposits | 67.2994% | 4,023 |
| Net loans and leases to core deposits | 76.1034% | 3,712 |
| Total domestic deposits to total assets | 78.6552% | 4,379 |
| Equity capital to assets | 19.9969% | 233 |
| Core capital (leverage) ratio | 19.9476% | 236 |
| Tier 1 risk-based capital ratio | 29.4111% | 495 |
| Total risk-based capital ratio | 30.1893% | 508 |
| Memoranda: | ||
| Average total assets | $26,992,200 | 5,281 |
| Average earning assets | $25,352,600 | 5,256 |
| Average equity | $5,206,200 | 5,019 |
| Average total loans | $13,739,400 | 5,216 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4499% | 4,979 |
| Cost of funding earning assets | 0.9182% | 851 |
| Net interest margin | 2.5317% | 5,263 |
| Noninterest income to average assets | 1.9367% | 291 |
| Noninterest expense to average assets | 4.9276% | 213 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | -0.5982% | 5,400 |
| Return on assets (ROA) | -0.5982% | 5,395 |
| Pretax return on assets | -0.5982% | 5,394 |
| Return on Equity (ROE) | -3.1290% | 5,372 |
| Retained earnings to average equity (ytd only) | -3.1290% | 5,256 |
| Net charge-offs to loans | -0.1463% | 5,248 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.8165% | 72 |
| Assets per employee ($millions) | 3.7946% | 4,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0993% | 3,195 |
| Loan loss allowance to noncurrent loans | 16.8757% | 4,894 |
| Noncurrent assets plus other real estate owned to assets | 3.3017% | 195 |
| Noncurrent loans to loans | 6.5141% | 66 |
| Net loans and leases to total assets | 50.1280% | 4,587 |
| Net loans and leases to deposits | 62.8748% | 4,400 |
| Net loans and leases to core deposits | 70.4199% | 4,165 |
| Total domestic deposits to total assets | 79.7267% | 4,168 |
| Equity capital to assets | 19.2568% | 258 |
| Core capital (leverage) ratio | 19.7826% | 243 |
| Tier 1 risk-based capital ratio | 31.6261% | 410 |
| Total risk-based capital ratio | 32.5160% | 420 |
| Memoranda: | ||
| Average total assets | $27,193,000 | 5,348 |
| Average earning assets | $25,700,500 | 5,318 |
| Average equity | $5,198,500 | 5,077 |
| Average total loans | $13,673,250 | 5,284 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4105% | 5,029 |
| Cost of funding earning assets | 0.8719% | 823 |
| Net interest margin | 2.5386% | 5,317 |
| Noninterest income to average assets | 2.3282% | 227 |
| Noninterest expense to average assets | 4.8388% | 232 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -0.1095% | 5,381 |
| Return on assets (ROA) | -0.1095% | 5,376 |
| Pretax return on assets | -0.1095% | 5,374 |
| Return on Equity (ROE) | -0.5740% | 5,363 |
| Retained earnings to average equity (ytd only) | -0.5740% | 5,037 |
| Net charge-offs to loans | -0.1310% | 5,241 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.3148% | 147 |
| Assets per employee ($millions) | 3.3231% | 4,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0363% | 3,615 |
| Loan loss allowance to noncurrent loans | 15.8129% | 4,906 |
| Noncurrent assets plus other real estate owned to assets | 3.3778% | 195 |
| Noncurrent loans to loans | 6.5533% | 72 |
| Net loans and leases to total assets | 51.0100% | 4,545 |
| Net loans and leases to deposits | 64.0909% | 4,277 |
| Net loans and leases to core deposits | 92.8518% | 2,322 |
| Total domestic deposits to total assets | 79.5900% | 4,336 |
| Equity capital to assets | 19.6502% | 242 |
| Core capital (leverage) ratio | 19.4546% | 245 |
| Tier 1 risk-based capital ratio | 31.6863% | 419 |
| Total risk-based capital ratio | 32.5306% | 430 |
| Memoranda: | ||
| Average total assets | $27,403,330 | 5,407 |
| Average earning assets | $25,919,670 | 5,380 |
| Average equity | $5,226,330 | 5,129 |
| Average total loans | $13,743,330 | 5,346 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4066% | 5,011 |
| Cost of funding earning assets | 0.8060% | 924 |
| Net interest margin | 2.6006% | 5,323 |
| Noninterest income to average assets | 1.5533% | 404 |
| Noninterest expense to average assets | 4.6454% | 264 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.6328% | 5,512 |
| Return on assets (ROA) | -0.6328% | 5,510 |
| Pretax return on assets | -0.6328% | 5,507 |
| Return on Equity (ROE) | -3.3668% | 5,476 |
| Retained earnings to average equity (ytd only) | -3.3668% | 5,104 |
| Net charge-offs to loans | -0.1162% | 5,256 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.7706% | 77 |
| Assets per employee ($millions) | 3.4534% | 4,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0398% | 3,730 |
| Loan loss allowance to noncurrent loans | 55.4656% | 4,347 |
| Noncurrent assets plus other real estate owned to assets | 0.8941% | 1,775 |
| Noncurrent loans to loans | 1.8748% | 876 |
| Net loans and leases to total assets | 47.1930% | 4,741 |
| Net loans and leases to deposits | 58.6584% | 4,556 |
| Net loans and leases to core deposits | 87.7212% | 2,655 |
| Total domestic deposits to total assets | 80.4539% | 4,332 |
| Equity capital to assets | 18.7606% | 262 |
| Core capital (leverage) ratio | 19.0478% | 252 |
| Tier 1 risk-based capital ratio | 31.7768% | 413 |
| Total risk-based capital ratio | 32.5980% | 419 |
| Memoranda: | ||
| Average total assets | $27,812,500 | 5,460 |
| Average earning assets | $26,302,000 | 5,438 |
| Average equity | $5,227,500 | 5,185 |
| Average total loans | $13,763,500 | 5,406 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2023% | 5,186 |
| Cost of funding earning assets | 0.7016% | 1,007 |
| Net interest margin | 2.5007% | 5,411 |
| Noninterest income to average assets | 2.4484% | 223 |
| Noninterest expense to average assets | 4.6445% | 280 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.1739% | 5,158 |
| Return on assets (ROA) | 0.1739% | 5,170 |
| Pretax return on assets | 0.1739% | 5,334 |
| Return on Equity (ROE) | 0.9726% | 5,234 |
| Retained earnings to average equity (ytd only) | 0.9726% | 4,634 |
| Net charge-offs to loans | 0.4431% | 548 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 0.8226% | 3,958 |
| Efficiency ratio | 96.3907% | 245 |
| Assets per employee ($millions) | 3.4998% | 4,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9267% | 4,333 |
| Loan loss allowance to noncurrent loans | 53.8462% | 4,405 |
| Noncurrent assets plus other real estate owned to assets | 0.8822% | 1,768 |
| Noncurrent loans to loans | 1.7210% | 941 |
| Net loans and leases to total assets | 50.7858% | 4,604 |
| Net loans and leases to deposits | 63.2687% | 4,364 |
| Net loans and leases to core deposits | 94.2405% | 2,172 |
| Total domestic deposits to total assets | 80.2700% | 4,289 |
| Equity capital to assets | 18.8299% | 257 |
| Core capital (leverage) ratio | 18.7748% | 249 |
| Tier 1 risk-based capital ratio | 30.5376% | 445 |
| Total risk-based capital ratio | 31.2975% | 457 |
| Memoranda: | ||
| Average total assets | $29,325,200 | 5,499 |
| Average earning assets | $27,792,200 | 5,468 |
| Average equity | $5,243,600 | 5,229 |
| Average total loans | $13,990,800 | 5,466 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1176% | 5,317 |
| Cost of funding earning assets | 0.6833% | 1,054 |
| Net interest margin | 2.4343% | 5,509 |
| Noninterest income to average assets | 2.7199% | 207 |
| Noninterest expense to average assets | 4.7295% | 261 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.2967% | 5,222 |
| Return on assets (ROA) | 0.2967% | 5,243 |
| Pretax return on assets | 0.2967% | 5,313 |
| Return on Equity (ROE) | 1.6805% | 5,350 |
| Retained earnings to average equity (ytd only) | 1.6805% | 4,755 |
| Net charge-offs to loans | -0.5563% | 5,665 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0966% | 282 |
| Assets per employee ($millions) | 4.0866% | 3,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8757% | 733 |
| Loan loss allowance to noncurrent loans | 50.9054% | 4,523 |
| Noncurrent assets plus other real estate owned to assets | 1.7374% | 816 |
| Noncurrent loans to loans | 3.6848% | 287 |
| Net loans and leases to total assets | 46.2665% | 4,924 |
| Net loans and leases to deposits | 57.5735% | 4,785 |
| Net loans and leases to core deposits | 82.2919% | 3,259 |
| Total domestic deposits to total assets | 80.3608% | 4,237 |
| Equity capital to assets | 18.6464% | 288 |
| Core capital (leverage) ratio | 18.6128% | 270 |
| Tier 1 risk-based capital ratio | 31.2715% | 434 |
| Total risk-based capital ratio | 32.5203% | 434 |
| Memoranda: | ||
| Average total assets | $29,657,000 | 5,555 |
| Average earning assets | $28,098,000 | 5,526 |
| Average equity | $5,236,500 | 5,286 |
| Average total loans | $13,900,500 | 5,527 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0701% | 5,376 |
| Cost of funding earning assets | 0.6674% | 1,054 |
| Net interest margin | 2.4027% | 5,568 |
| Noninterest income to average assets | 1.8329% | 363 |
| Noninterest expense to average assets | 4.6522% | 276 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -0.5399% | 5,685 |
| Return on assets (ROA) | -0.5399% | 5,683 |
| Pretax return on assets | -0.5399% | 5,677 |
| Return on Equity (ROE) | -3.1130% | 5,654 |
| Retained earnings to average equity (ytd only) | -3.1130% | 5,440 |
| Net charge-offs to loans | -0.7693% | 5,722 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.1280% | 92 |
| Assets per employee ($millions) | 3.2252% | 5,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8116% | 866 |
| Loan loss allowance to noncurrent loans | 49.4048% | 4,599 |
| Noncurrent assets plus other real estate owned to assets | 1.7363% | 816 |
| Noncurrent loans to loans | 3.6668% | 292 |
| Net loans and leases to total assets | 46.4946% | 4,922 |
| Net loans and leases to deposits | 57.1332% | 4,793 |
| Net loans and leases to core deposits | 81.8684% | 3,265 |
| Total domestic deposits to total assets | 81.3794% | 4,081 |
| Equity capital to assets | 17.8799% | 332 |
| Core capital (leverage) ratio | 17.6664% | 317 |
| Tier 1 risk-based capital ratio | 30.2501% | 452 |
| Total risk-based capital ratio | 31.5035% | 453 |
| Memoranda: | ||
| Average total assets | $30,007,330 | 5,595 |
| Average earning assets | $28,468,330 | 5,566 |
| Average equity | $5,204,000 | 5,329 |
| Average total loans | $14,038,000 | 5,570 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9838% | 5,476 |
| Cost of funding earning assets | 0.6492% | 1,083 |
| Net interest margin | 2.3345% | 5,645 |
| Noninterest income to average assets | 1.8756% | 338 |
| Noninterest expense to average assets | 4.6037% | 303 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.5115% | 5,740 |
| Return on assets (ROA) | -0.5115% | 5,737 |
| Pretax return on assets | -0.5115% | 5,729 |
| Return on Equity (ROE) | -2.9937% | 5,707 |
| Retained earnings to average equity (ytd only) | -2.9937% | 5,263 |
| Net charge-offs to loans | -1.4664% | 5,794 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.5000% | 102 |
| Assets per employee ($millions) | 3.7641% | 4,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7568% | 1,042 |
| Loan loss allowance to noncurrent loans | 52.7778% | 4,587 |
| Noncurrent assets plus other real estate owned to assets | 1.5541% | 1,014 |
| Noncurrent loans to loans | 3.3286% | 378 |
| Net loans and leases to total assets | 45.8706% | 4,948 |
| Net loans and leases to deposits | 55.8530% | 4,823 |
| Net loans and leases to core deposits | 79.6552% | 3,325 |
| Total domestic deposits to total assets | 82.1273% | 4,138 |
| Equity capital to assets | 17.3181% | 354 |
| Core capital (leverage) ratio | 17.1067% | 358 |
| Tier 1 risk-based capital ratio | 29.7229% | 489 |
| Total risk-based capital ratio | 30.9729% | 487 |
| Memoranda: | ||
| Average total assets | $30,497,500 | 5,654 |
| Average earning assets | $28,956,500 | 5,625 |
| Average equity | $5,211,000 | 5,378 |
| Average total loans | $14,184,500 | 5,631 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0038% | 5,499 |
| Cost of funding earning assets | 0.5811% | 1,478 |
| Net interest margin | 2.4228% | 5,634 |
| Noninterest income to average assets | 1.6269% | 462 |
| Noninterest expense to average assets | 4.5573% | 356 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -0.6469% | 5,808 |
| Return on assets (ROA) | -0.6469% | 5,811 |
| Pretax return on assets | -0.6469% | 5,800 |
| Return on Equity (ROE) | -3.7580% | 5,772 |
| Retained earnings to average equity (ytd only) | -3.7580% | 5,623 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.5438% | 93 |
| Assets per employee ($millions) | 3.8603% | 4,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3628% | 2,252 |
| Loan loss allowance to noncurrent loans | 32.3920% | 5,042 |
| Noncurrent assets plus other real estate owned to assets | 1.9494% | 716 |
| Noncurrent loans to loans | 4.2071% | 234 |
| Net loans and leases to total assets | 45.7030% | 5,034 |
| Net loans and leases to deposits | 55.4839% | 4,945 |
| Net loans and leases to core deposits | 78.1852% | 3,560 |
| Total domestic deposits to total assets | 82.3716% | 3,971 |
| Equity capital to assets | 16.8610% | 402 |
| Core capital (leverage) ratio | 17.0154% | 358 |
| Tier 1 risk-based capital ratio | 29.2292% | 508 |
| Total risk-based capital ratio | 30.3059% | 506 |
| Memoranda: | ||
| Average total assets | $31,224,600 | 5,695 |
| Average earning assets | $29,429,000 | 5,669 |
| Average equity | $5,375,200 | 5,396 |
| Average total loans | $13,962,400 | 5,688 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9839% | 5,583 |
| Cost of funding earning assets | 0.5705% | 1,541 |
| Net interest margin | 2.4134% | 5,714 |
| Noninterest income to average assets | 1.6395% | 455 |
| Noninterest expense to average assets | 4.6799% | 330 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.7708% | 5,889 |
| Return on assets (ROA) | -0.7708% | 5,895 |
| Pretax return on assets | -0.7708% | 5,889 |
| Return on Equity (ROE) | -4.4548% | 5,855 |
| Retained earnings to average equity (ytd only) | -4.4548% | 5,715 |
| Net charge-offs to loans | -0.0577% | 5,411 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.7168% | 85 |
| Assets per employee ($millions) | 4.4927% | 3,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4552% | 1,955 |
| Loan loss allowance to noncurrent loans | 43.5065% | 4,890 |
| Noncurrent assets plus other real estate owned to assets | 1.5485% | 1,138 |
| Noncurrent loans to loans | 3.3447% | 406 |
| Net loans and leases to total assets | 43.2828% | 5,237 |
| Net loans and leases to deposits | 52.7433% | 5,172 |
| Net loans and leases to core deposits | 73.9381% | 4,009 |
| Total domestic deposits to total assets | 82.0630% | 3,922 |
| Equity capital to assets | 17.0435% | 430 |
| Core capital (leverage) ratio | 16.9133% | 373 |
| Tier 1 risk-based capital ratio | 29.7770% | 489 |
| Total risk-based capital ratio | 30.9033% | 484 |
| Memoranda: | ||
| Average total assets | $31,310,250 | 5,754 |
| Average earning assets | $29,446,000 | 5,729 |
| Average equity | $5,417,250 | 5,442 |
| Average total loans | $13,875,750 | 5,751 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0067% | 5,640 |
| Cost of funding earning assets | 0.5591% | 1,630 |
| Net interest margin | 2.4476% | 5,773 |
| Noninterest income to average assets | 1.6633% | 449 |
| Noninterest expense to average assets | 4.7403% | 314 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.7805% | 5,961 |
| Return on assets (ROA) | -0.7805% | 5,964 |
| Pretax return on assets | -0.7805% | 5,956 |
| Return on Equity (ROE) | -4.4883% | 5,923 |
| Retained earnings to average equity (ytd only) | -4.4883% | 5,725 |
| Net charge-offs to loans | -0.0720% | 5,508 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.7092% | 91 |
| Assets per employee ($millions) | 3.9154% | 4,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4322% | 2,146 |
| Loan loss allowance to noncurrent loans | 39.6040% | 5,065 |
| Noncurrent assets plus other real estate owned to assets | 1.6920% | 1,062 |
| Noncurrent loans to loans | 3.6162% | 359 |
| Net loans and leases to total assets | 43.9453% | 5,234 |
| Net loans and leases to deposits | 53.5645% | 5,157 |
| Net loans and leases to core deposits | 75.2145% | 3,889 |
| Total domestic deposits to total assets | 82.0420% | 3,983 |
| Equity capital to assets | 17.2717% | 398 |
| Core capital (leverage) ratio | 17.1093% | 357 |
| Tier 1 risk-based capital ratio | 29.8583% | 503 |
| Total risk-based capital ratio | 30.9697% | 501 |
| Memoranda: | ||
| Average total assets | $31,264,000 | 5,825 |
| Average earning assets | $29,334,670 | 5,804 |
| Average equity | $5,436,330 | 5,487 |
| Average total loans | $13,896,670 | 5,818 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0712% | 5,632 |
| Cost of funding earning assets | 0.5484% | 1,727 |
| Net interest margin | 2.5228% | 5,787 |
| Noninterest income to average assets | 1.5880% | 465 |
| Noninterest expense to average assets | 4.5591% | 373 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.6147% | 5,987 |
| Return on assets (ROA) | -0.6147% | 5,992 |
| Pretax return on assets | -0.6147% | 5,985 |
| Return on Equity (ROE) | -3.5233% | 5,948 |
| Retained earnings to average equity (ytd only) | -3.5233% | 5,517 |
| Net charge-offs to loans | -0.1154% | 5,694 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.5844% | 126 |
| Assets per employee ($millions) | 3.9349% | 4,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3837% | 2,500 |
| Loan loss allowance to noncurrent loans | 41.8067% | 5,037 |
| Noncurrent assets plus other real estate owned to assets | 1.6011% | 1,247 |
| Noncurrent loans to loans | 3.3097% | 441 |
| Net loans and leases to total assets | 45.0554% | 5,181 |
| Net loans and leases to deposits | 54.9665% | 5,038 |
| Net loans and leases to core deposits | 75.9994% | 3,683 |
| Total domestic deposits to total assets | 81.9689% | 4,243 |
| Equity capital to assets | 17.3036% | 397 |
| Core capital (leverage) ratio | 17.5483% | 331 |
| Tier 1 risk-based capital ratio | 29.5888% | 522 |
| Total risk-based capital ratio | 30.6698% | 520 |
| Memoranda: | ||
| Average total assets | $31,234,500 | 5,885 |
| Average earning assets | $29,174,000 | 5,863 |
| Average equity | $5,449,500 | 5,519 |
| Average total loans | $13,862,500 | 5,877 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8159% | 5,867 |
| Cost of funding earning assets | 0.4362% | 2,770 |
| Net interest margin | 2.3797% | 5,902 |
| Noninterest income to average assets | 2.7101% | 243 |
| Noninterest expense to average assets | 5.0424% | 273 |
| Loan and lease loss provision to assets | -0.2323% | 6,019 |
| Net operating income to assets | 0.1642% | 5,653 |
| Return on assets (ROA) | 0.1642% | 5,704 |
| Pretax return on assets | 0.1642% | 5,736 |
| Return on Equity (ROE) | 0.9838% | 5,772 |
| Retained earnings to average equity (ytd only) | 0.9838% | 5,125 |
| Net charge-offs to loans | -0.0976% | 5,767 |
| Credit loss provision to net charge-offs | 576.9231% | 581 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.3699% | 255 |
| Assets per employee ($millions) | 3.4433% | 4,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4614% | 2,174 |
| Loan loss allowance to noncurrent loans | 39.8773% | 5,108 |
| Noncurrent assets plus other real estate owned to assets | 1.6683% | 1,171 |
| Noncurrent loans to loans | 3.6648% | 359 |
| Net loans and leases to total assets | 42.4266% | 5,381 |
| Net loans and leases to deposits | 52.0239% | 5,285 |
| Net loans and leases to core deposits | 72.4967% | 4,087 |
| Total domestic deposits to total assets | 81.5521% | 4,320 |
| Equity capital to assets | 17.5928% | 350 |
| Core capital (leverage) ratio | 17.3997% | 324 |
| Tier 1 risk-based capital ratio | 31.3749% | 450 |
| Total risk-based capital ratio | 32.4883% | 448 |
| Memoranda: | ||
| Average total assets | $32,286,400 | 5,924 |
| Average earning assets | $30,718,200 | 5,890 |
| Average equity | $5,387,400 | 5,561 |
| Average total loans | $13,314,000 | 5,944 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7627% | 5,986 |
| Cost of funding earning assets | 0.4198% | 3,013 |
| Net interest margin | 2.3430% | 6,008 |
| Noninterest income to average assets | 3.0664% | 204 |
| Noninterest expense to average assets | 5.2620% | 234 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.0409% | 5,902 |
| Return on assets (ROA) | 0.0409% | 5,945 |
| Pretax return on assets | 0.0409% | 5,941 |
| Return on Equity (ROE) | 0.2482% | 5,947 |
| Retained earnings to average equity (ytd only) | 0.2482% | 5,534 |
| Net charge-offs to loans | -0.1202% | 5,853 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.2290% | 317 |
| Assets per employee ($millions) | 3.5503% | 4,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0346% | 870 |
| Loan loss allowance to noncurrent loans | 53.3730% | 4,869 |
| Noncurrent assets plus other real estate owned to assets | 1.7714% | 1,218 |
| Noncurrent loans to loans | 3.8121% | 371 |
| Net loans and leases to total assets | 40.5345% | 5,564 |
| Net loans and leases to deposits | 49.4370% | 5,494 |
| Net loans and leases to core deposits | 67.9289% | 4,542 |
| Total domestic deposits to total assets | 81.9923% | 4,165 |
| Equity capital to assets | 17.0845% | 426 |
| Core capital (leverage) ratio | 17.1694% | 364 |
| Tier 1 risk-based capital ratio | 30.6159% | 489 |
| Total risk-based capital ratio | 31.8679% | 485 |
| Memoranda: | ||
| Average total assets | $32,610,500 | 6,000 |
| Average earning assets | $31,127,750 | 5,957 |
| Average equity | $5,371,250 | 5,636 |
| Average total loans | $13,306,750 | 6,021 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7226% | 6,068 |
| Cost of funding earning assets | 0.3935% | 3,338 |
| Net interest margin | 2.3291% | 6,084 |
| Noninterest income to average assets | 2.1931% | 317 |
| Noninterest expense to average assets | 5.4950% | 225 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -1.0661% | 6,265 |
| Return on assets (ROA) | -1.0661% | 6,265 |
| Pretax return on assets | -1.0661% | 6,262 |
| Return on Equity (ROE) | -6.5519% | 6,213 |
| Retained earnings to average equity (ytd only) | -6.5519% | 6,073 |
| Net charge-offs to loans | -0.1650% | 5,963 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 124.0715% | 94 |
| Assets per employee ($millions) | 3.9736% | 3,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0039% | 980 |
| Loan loss allowance to noncurrent loans | 52.3438% | 4,924 |
| Noncurrent assets plus other real estate owned to assets | 1.8654% | 1,227 |
| Noncurrent loans to loans | 3.8283% | 423 |
| Net loans and leases to total assets | 41.2281% | 5,559 |
| Net loans and leases to deposits | 49.8536% | 5,510 |
| Net loans and leases to core deposits | 67.3484% | 4,547 |
| Total domestic deposits to total assets | 82.6984% | 4,061 |
| Equity capital to assets | 16.5340% | 462 |
| Core capital (leverage) ratio | 16.1202% | 450 |
| Tier 1 risk-based capital ratio | 29.9027% | 550 |
| Total risk-based capital ratio | 31.1543% | 543 |
| Memoranda: | ||
| Average total assets | $32,829,670 | 6,065 |
| Average earning assets | $31,514,000 | 6,010 |
| Average equity | $5,342,000 | 5,693 |
| Average total loans | $13,335,330 | 6,087 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6136% | 6,174 |
| Cost of funding earning assets | 0.3734% | 3,611 |
| Net interest margin | 2.2402% | 6,182 |
| Noninterest income to average assets | 1.6072% | 479 |
| Noninterest expense to average assets | 4.7856% | 349 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -1.0195% | 6,322 |
| Return on assets (ROA) | -1.0195% | 6,325 |
| Pretax return on assets | -1.0195% | 6,313 |
| Return on Equity (ROE) | -6.3138% | 6,285 |
| Retained earnings to average equity (ytd only) | -6.3138% | 6,010 |
| Net charge-offs to loans | -0.3905% | 6,202 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.0701% | 94 |
| Assets per employee ($millions) | 4.1190% | 3,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0410% | 1,007 |
| Loan loss allowance to noncurrent loans | 48.1283% | 5,072 |
| Noncurrent assets plus other real estate owned to assets | 1.8633% | 1,305 |
| Noncurrent loans to loans | 4.2407% | 383 |
| Net loans and leases to total assets | 39.3269% | 5,638 |
| Net loans and leases to deposits | 47.3146% | 5,602 |
| Net loans and leases to core deposits | 63.0179% | 4,778 |
| Total domestic deposits to total assets | 83.1179% | 4,144 |
| Equity capital to assets | 16.2600% | 514 |
| Core capital (leverage) ratio | 16.1356% | 448 |
| Tier 1 risk-based capital ratio | 31.2730% | 484 |
| Total risk-based capital ratio | 32.5220% | 481 |
| Memoranda: | ||
| Average total assets | $33,350,000 | 6,116 |
| Average earning assets | $32,140,000 | 6,055 |
| Average equity | $5,385,000 | 5,739 |
| Average total loans | $13,316,000 | 6,143 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8755% | 6,154 |
| Cost of funding earning assets | 0.3649% | 4,083 |
| Net interest margin | 2.5105% | 6,144 |
| Noninterest income to average assets | 2.2640% | 278 |
| Noninterest expense to average assets | 4.8969% | 330 |
| Loan and lease loss provision to assets | -0.3355% | 6,389 |
| Net operating income to assets | 0.1149% | 5,931 |
| Return on assets (ROA) | 0.1149% | 5,970 |
| Pretax return on assets | 0.1149% | 5,974 |
| Return on Equity (ROE) | 0.7079% | 6,006 |
| Retained earnings to average equity (ytd only) | 0.7079% | 5,448 |
| Net charge-offs to loans | -1.5385% | 6,457 |
| Credit loss provision to net charge-offs | 52.3585% | 3,435 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.7188% | 281 |
| Assets per employee ($millions) | 4.2185% | 3,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9175% | 1,276 |
| Loan loss allowance to noncurrent loans | 193.2331% | 2,303 |
| Noncurrent assets plus other real estate owned to assets | 0.5689% | 3,898 |
| Noncurrent loans to loans | 0.9923% | 2,847 |
| Net loans and leases to total assets | 38.9534% | 5,800 |
| Net loans and leases to deposits | 46.7796% | 5,759 |
| Net loans and leases to core deposits | 63.7351% | 4,852 |
| Total domestic deposits to total assets | 83.2701% | 3,988 |
| Equity capital to assets | 16.0365% | 527 |
| Core capital (leverage) ratio | 16.9617% | 372 |
| Tier 1 risk-based capital ratio | 31.4315% | 459 |
| Total risk-based capital ratio | 32.6731% | 450 |
| Memoranda: | ||
| Average total assets | $33,082,400 | 6,194 |
| Average earning assets | $31,786,000 | 6,150 |
| Average equity | $5,367,800 | 5,772 |
| Average total loans | $13,779,600 | 6,203 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9379% | 6,174 |
| Cost of funding earning assets | 0.3799% | 4,019 |
| Net interest margin | 2.5580% | 6,174 |
| Noninterest income to average assets | 2.5235% | 241 |
| Noninterest expense to average assets | 5.0876% | 291 |
| Loan and lease loss provision to assets | -0.2835% | 6,452 |
| Net operating income to assets | 0.1742% | 5,896 |
| Return on assets (ROA) | 0.1742% | 5,937 |
| Pretax return on assets | 0.1742% | 5,978 |
| Return on Equity (ROE) | 1.0702% | 6,016 |
| Retained earnings to average equity (ytd only) | 1.0702% | 5,457 |
| Net charge-offs to loans | -2.0278% | 6,539 |
| Credit loss provision to net charge-offs | 33.1754% | 3,409 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.1969% | 323 |
| Assets per employee ($millions) | 4.0120% | 3,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1789% | 975 |
| Loan loss allowance to noncurrent loans | 225.0000% | 1,971 |
| Noncurrent assets plus other real estate owned to assets | 0.5951% | 4,064 |
| Noncurrent loans to loans | 0.9684% | 3,145 |
| Net loans and leases to total assets | 41.5441% | 5,711 |
| Net loans and leases to deposits | 50.5114% | 5,619 |
| Net loans and leases to core deposits | 63.3113% | 4,943 |
| Total domestic deposits to total assets | 82.2470% | 4,398 |
| Equity capital to assets | 16.9367% | 434 |
| Core capital (leverage) ratio | 16.7698% | 395 |
| Tier 1 risk-based capital ratio | 31.8671% | 446 |
| Total risk-based capital ratio | 33.1189% | 436 |
| Memoranda: | ||
| Average total assets | $32,916,000 | 6,273 |
| Average earning assets | $31,587,000 | 6,226 |
| Average equity | $5,356,750 | 5,835 |
| Average total loans | $13,873,750 | 6,265 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9220% | 6,241 |
| Cost of funding earning assets | 0.3959% | 3,904 |
| Net interest margin | 2.5261% | 6,242 |
| Noninterest income to average assets | 2.1814% | 306 |
| Noninterest expense to average assets | 5.3812% | 248 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.7774% | 6,501 |
| Return on assets (ROA) | -0.7774% | 6,501 |
| Pretax return on assets | -0.7774% | 6,489 |
| Return on Equity (ROE) | -4.8402% | 6,432 |
| Retained earnings to average equity (ytd only) | -4.8402% | 6,229 |
| Net charge-offs to loans | -1.9922% | 6,602 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.8848% | 165 |
| Assets per employee ($millions) | 3.3036% | 5,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0805% | 1,223 |
| Loan loss allowance to noncurrent loans | 196.6667% | 2,166 |
| Noncurrent assets plus other real estate owned to assets | 0.7810% | 3,626 |
| Noncurrent loans to loans | 1.0579% | 3,117 |
| Net loans and leases to total assets | 42.0269% | 5,675 |
| Net loans and leases to deposits | 50.4286% | 5,609 |
| Net loans and leases to core deposits | 65.4967% | 4,682 |
| Total domestic deposits to total assets | 83.3394% | 4,177 |
| Equity capital to assets | 15.9493% | 562 |
| Core capital (leverage) ratio | 16.0013% | 478 |
| Tier 1 risk-based capital ratio | 30.1618% | 513 |
| Total risk-based capital ratio | 31.4140% | 507 |
| Memoranda: | ||
| Average total assets | $33,189,330 | 6,323 |
| Average earning assets | $31,827,670 | 6,279 |
| Average equity | $5,330,330 | 5,882 |
| Average total loans | $13,954,670 | 6,319 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9203% | 6,309 |
| Cost of funding earning assets | 0.4028% | 3,938 |
| Net interest margin | 2.5175% | 6,322 |
| Noninterest income to average assets | 2.7656% | 208 |
| Noninterest expense to average assets | 5.9520% | 193 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.7816% | 6,534 |
| Return on assets (ROA) | -0.7816% | 6,535 |
| Pretax return on assets | -0.7816% | 6,526 |
| Return on Equity (ROE) | -4.8498% | 6,461 |
| Retained earnings to average equity (ytd only) | -4.8498% | 6,113 |
| Net charge-offs to loans | -3.7277% | 6,678 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.1163% | 221 |
| Assets per employee ($millions) | 3.3139% | 5,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0206% | 1,478 |
| Loan loss allowance to noncurrent loans | 186.2745% | 2,218 |
| Noncurrent assets plus other real estate owned to assets | 0.7876% | 3,772 |
| Noncurrent loans to loans | 1.0847% | 3,248 |
| Net loans and leases to total assets | 41.7031% | 5,694 |
| Net loans and leases to deposits | 50.0870% | 5,594 |
| Net loans and leases to core deposits | 65.4387% | 4,557 |
| Total domestic deposits to total assets | 83.2614% | 4,514 |
| Equity capital to assets | 16.0747% | 517 |
| Core capital (leverage) ratio | 16.0409% | 474 |
| Tier 1 risk-based capital ratio | 30.7409% | 492 |
| Total risk-based capital ratio | 31.9959% | 489 |
| Memoranda: | ||
| Average total assets | $33,266,000 | 6,389 |
| Average earning assets | $31,778,000 | 6,345 |
| Average equity | $5,361,000 | 5,912 |
| Average total loans | $13,842,500 | 6,388 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8471% | 6,468 |
| Cost of funding earning assets | 0.4646% | 3,972 |
| Net interest margin | 2.3826% | 6,464 |
| Noninterest income to average assets | 3.0635% | 224 |
| Noninterest expense to average assets | 4.8085% | 406 |
| Loan and lease loss provision to assets | 0.1342% | 2,632 |
| Net operating income to assets | 0.3848% | 5,192 |
| Return on assets (ROA) | 0.3848% | 5,307 |
| Pretax return on assets | 0.3848% | 5,526 |
| Return on Equity (ROE) | 2.4564% | 5,690 |
| Retained earnings to average equity (ytd only) | 2.4564% | 4,504 |
| Net charge-offs to loans | 0.8890% | 687 |
| Credit loss provision to net charge-offs | 37.8151% | 4,084 |
| Earnings coverage of net charge-offs (x) | 1.4622% | 4,567 |
| Efficiency ratio | 90.2576% | 1,005 |
| Assets per employee ($millions) | 3.3393% | 5,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1487% | 4,920 |
| Loan loss allowance to noncurrent loans | 53.6082% | 5,110 |
| Noncurrent assets plus other real estate owned to assets | 0.8714% | 3,710 |
| Noncurrent loans to loans | 2.1429% | 1,834 |
| Net loans and leases to total assets | 40.2000% | 5,945 |
| Net loans and leases to deposits | 48.4341% | 5,870 |
| Net loans and leases to core deposits | 63.1866% | 4,951 |
| Total domestic deposits to total assets | 82.9994% | 4,543 |
| Equity capital to assets | 16.1561% | 505 |
| Core capital (leverage) ratio | 15.9826% | 471 |
| Tier 1 risk-based capital ratio | 31.0739% | 460 |
| Total risk-based capital ratio | 31.9708% | 469 |
| Memoranda: | ||
| Average total assets | $33,524,200 | 6,443 |
| Average earning assets | $31,856,600 | 6,402 |
| Average equity | $5,251,600 | 6,006 |
| Average total loans | $13,385,600 | 6,472 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8272% | 6,556 |
| Cost of funding earning assets | 0.4810% | 3,956 |
| Net interest margin | 2.3462% | 6,560 |
| Noninterest income to average assets | 2.2369% | 352 |
| Noninterest expense to average assets | 4.8394% | 383 |
| Loan and lease loss provision to assets | 0.1788% | 2,036 |
| Net operating income to assets | -0.5523% | 6,621 |
| Return on assets (ROA) | -0.5523% | 6,630 |
| Pretax return on assets | -0.5523% | 6,616 |
| Return on Equity (ROE) | -3.5533% | 6,549 |
| Retained earnings to average equity (ytd only) | -3.5533% | 6,399 |
| Net charge-offs to loans | 1.2297% | 440 |
| Credit loss provision to net charge-offs | 36.5854% | 3,774 |
| Earnings coverage of net charge-offs (x) | -0.7642% | 4,985 |
| Efficiency ratio | 108.3630% | 289 |
| Assets per employee ($millions) | 3.4110% | 5,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1149% | 5,271 |
| Loan loss allowance to noncurrent loans | 76.3819% | 4,183 |
| Noncurrent assets plus other real estate owned to assets | 1.1785% | 3,300 |
| Noncurrent loans to loans | 1.4597% | 2,980 |
| Net loans and leases to total assets | 39.5221% | 6,069 |
| Net loans and leases to deposits | 47.0180% | 6,035 |
| Net loans and leases to core deposits | 63.5806% | 4,935 |
| Total domestic deposits to total assets | 84.0575% | 4,163 |
| Equity capital to assets | 15.0279% | 712 |
| Core capital (leverage) ratio | 15.0522% | 629 |
| Tier 1 risk-based capital ratio | 29.1114% | 563 |
| Total risk-based capital ratio | 29.9728% | 568 |
| Memoranda: | ||
| Average total assets | $33,557,000 | 6,518 |
| Average earning assets | $31,880,000 | 6,472 |
| Average equity | $5,215,750 | 6,085 |
| Average total loans | $13,337,000 | 6,545 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8604% | 6,570 |
| Cost of funding earning assets | 0.4999% | 3,901 |
| Net interest margin | 2.3605% | 6,585 |
| Noninterest income to average assets | 2.2234% | 380 |
| Noninterest expense to average assets | 4.8183% | 408 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.3596% | 6,588 |
| Return on assets (ROA) | -0.3596% | 6,610 |
| Pretax return on assets | -0.3596% | 6,578 |
| Return on Equity (ROE) | -2.2876% | 6,538 |
| Retained earnings to average equity (ytd only) | -2.2876% | 6,222 |
| Net charge-offs to loans | -1.2388% | 6,880 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.0645% | 306 |
| Assets per employee ($millions) | 3.0825% | 5,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2614% | 1,317 |
| Loan loss allowance to noncurrent loans | 325.0000% | 1,300 |
| Noncurrent assets plus other real estate owned to assets | 0.9260% | 3,931 |
| Noncurrent loans to loans | 0.6958% | 4,542 |
| Net loans and leases to total assets | 39.7694% | 6,061 |
| Net loans and leases to deposits | 47.4857% | 6,016 |
| Net loans and leases to core deposits | 64.4260% | 4,851 |
| Total domestic deposits to total assets | 83.7501% | 4,431 |
| Equity capital to assets | 15.3238% | 650 |
| Core capital (leverage) ratio | 15.5204% | 518 |
| Tier 1 risk-based capital ratio | 29.1993% | 562 |
| Total risk-based capital ratio | 30.4535% | 553 |
| Memoranda: | ||
| Average total assets | $33,372,670 | 6,572 |
| Average earning assets | $31,603,670 | 6,525 |
| Average equity | $5,245,670 | 6,113 |
| Average total loans | $13,238,330 | 6,592 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8397% | 6,659 |
| Cost of funding earning assets | 0.5094% | 3,981 |
| Net interest margin | 2.3304% | 6,667 |
| Noninterest income to average assets | 2.2111% | 377 |
| Noninterest expense to average assets | 4.7848% | 430 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.3625% | 6,608 |
| Return on assets (ROA) | -0.3625% | 6,641 |
| Pretax return on assets | -0.3625% | 6,617 |
| Return on Equity (ROE) | -2.2768% | 6,572 |
| Retained earnings to average equity (ytd only) | -2.2768% | 6,109 |
| Net charge-offs to loans | -0.3704% | 6,808 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.1967% | 353 |
| Assets per employee ($millions) | 3.3485% | 5,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7925% | 2,643 |
| Loan loss allowance to noncurrent loans | 106.1404% | 3,194 |
| Noncurrent assets plus other real estate owned to assets | 1.3558% | 3,244 |
| Noncurrent loans to loans | 1.6888% | 3,011 |
| Net loans and leases to total assets | 39.5968% | 6,026 |
| Net loans and leases to deposits | 47.4264% | 5,963 |
| Net loans and leases to core deposits | 64.7033% | 4,682 |
| Total domestic deposits to total assets | 83.4911% | 4,674 |
| Equity capital to assets | 15.6816% | 611 |
| Core capital (leverage) ratio | 15.9158% | 471 |
| Tier 1 risk-based capital ratio | 30.5213% | 510 |
| Total risk-based capital ratio | 31.7722% | 500 |
| Memoranda: | ||
| Average total assets | $33,105,000 | 6,642 |
| Average earning assets | $31,411,500 | 6,590 |
| Average equity | $5,270,500 | 6,168 |
| Average total loans | $12,959,000 | 6,659 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8812% | 6,824 |
| Cost of funding earning assets | 0.7998% | 2,669 |
| Net interest margin | 2.0814% | 6,906 |
| Noninterest income to average assets | 3.8020% | 193 |
| Noninterest expense to average assets | 5.2408% | 322 |
| Loan and lease loss provision to assets | 0.0709% | 4,853 |
| Net operating income to assets | 0.4467% | 4,897 |
| Return on assets (ROA) | 0.4467% | 5,143 |
| Pretax return on assets | 0.4467% | 5,437 |
| Return on Equity (ROE) | 2.9467% | 5,570 |
| Retained earnings to average equity (ytd only) | 2.9467% | 4,152 |
| Net charge-offs to loans | 0.6310% | 1,860 |
| Credit loss provision to net charge-offs | 31.0811% | 5,100 |
| Earnings coverage of net charge-offs (x) | 2.2703% | 4,282 |
| Efficiency ratio | 91.0112% | 989 |
| Assets per employee ($millions) | 3.2725% | 5,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8523% | 2,433 |
| Loan loss allowance to noncurrent loans | 78.7671% | 3,953 |
| Noncurrent assets plus other real estate owned to assets | 1.5829% | 3,014 |
| Noncurrent loans to loans | 2.3516% | 2,286 |
| Net loans and leases to total assets | 37.2406% | 6,355 |
| Net loans and leases to deposits | 44.9921% | 6,305 |
| Net loans and leases to core deposits | 62.9039% | 5,075 |
| Total domestic deposits to total assets | 82.7716% | 4,814 |
| Equity capital to assets | 16.1650% | 527 |
| Core capital (leverage) ratio | 16.0868% | 444 |
| Tier 1 risk-based capital ratio | 31.2763% | 461 |
| Total risk-based capital ratio | 32.5271% | 448 |
| Memoranda: | ||
| Average total assets | $32,457,000 | 6,696 |
| Average earning assets | $30,508,400 | 6,650 |
| Average equity | $4,920,800 | 6,317 |
| Average total loans | $11,727,400 | 6,788 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8590% | 6,952 |
| Cost of funding earning assets | 0.8551% | 2,501 |
| Net interest margin | 2.0039% | 7,034 |
| Noninterest income to average assets | 2.6221% | 299 |
| Noninterest expense to average assets | 5.4172% | 283 |
| Loan and lease loss provision to assets | 0.0947% | 4,398 |
| Net operating income to assets | -1.0085% | 6,862 |
| Return on assets (ROA) | -1.0085% | 6,890 |
| Pretax return on assets | -1.0085% | 6,868 |
| Return on Equity (ROE) | -6.7652% | 6,781 |
| Retained earnings to average equity (ytd only) | -6.7652% | 6,708 |
| Net charge-offs to loans | 0.5077% | 2,088 |
| Credit loss provision to net charge-offs | 52.2727% | 4,341 |
| Earnings coverage of net charge-offs (x) | -5.0450% | 5,711 |
| Efficiency ratio | 120.2925% | 194 |
| Assets per employee ($millions) | 3.6417% | 4,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2948% | 1,530 |
| Loan loss allowance to noncurrent loans | 97.0149% | 3,319 |
| Noncurrent assets plus other real estate owned to assets | 1.5805% | 3,226 |
| Noncurrent loans to loans | 2.3654% | 2,440 |
| Net loans and leases to total assets | 33.7757% | 6,667 |
| Net loans and leases to deposits | 40.3102% | 6,666 |
| Net loans and leases to core deposits | 56.0876% | 5,883 |
| Total domestic deposits to total assets | 83.7895% | 4,320 |
| Equity capital to assets | 14.9748% | 827 |
| Core capital (leverage) ratio | 14.9507% | 615 |
| Tier 1 risk-based capital ratio | 30.9158% | 485 |
| Total risk-based capital ratio | 32.1689% | 476 |
| Memoranda: | ||
| Average total assets | $32,390,000 | 6,783 |
| Average earning assets | $30,406,000 | 6,736 |
| Average equity | $4,828,500 | 6,416 |
| Average total loans | $11,555,000 | 6,884 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8941% | 7,016 |
| Cost of funding earning assets | 0.9188% | 2,267 |
| Net interest margin | 1.9754% | 7,113 |
| Noninterest income to average assets | 2.7339% | 271 |
| Noninterest expense to average assets | 5.4182% | 291 |
| Loan and lease loss provision to assets | 0.1426% | 3,733 |
| Net operating income to assets | -0.9609% | 6,897 |
| Return on assets (ROA) | -0.9609% | 6,917 |
| Pretax return on assets | -0.9609% | 6,887 |
| Return on Equity (ROE) | -6.4556% | 6,814 |
| Retained earnings to average equity (ytd only) | -6.4556% | 6,694 |
| Net charge-offs to loans | 0.0344% | 4,898 |
| Credit loss provision to net charge-offs | 1,150.0000% | 287 |
| Earnings coverage of net charge-offs (x) | -66.0000% | 5,497 |
| Efficiency ratio | 117.7898% | 245 |
| Assets per employee ($millions) | 3.6033% | 4,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6018% | 1,151 |
| Loan loss allowance to noncurrent loans | 74.5050% | 4,006 |
| Noncurrent assets plus other real estate owned to assets | 2.1986% | 2,542 |
| Noncurrent loans to loans | 3.4921% | 1,644 |
| Net loans and leases to total assets | 34.7456% | 6,681 |
| Net loans and leases to deposits | 41.6839% | 6,670 |
| Net loans and leases to core deposits | 57.2038% | 5,849 |
| Total domestic deposits to total assets | 83.3549% | 4,603 |
| Equity capital to assets | 15.4117% | 696 |
| Core capital (leverage) ratio | 15.3403% | 541 |
| Tier 1 risk-based capital ratio | 31.6496% | 454 |
| Total risk-based capital ratio | 32.9092% | 448 |
| Memoranda: | ||
| Average total assets | $32,261,670 | 6,836 |
| Average earning assets | $30,475,330 | 6,785 |
| Average equity | $4,802,000 | 6,448 |
| Average total loans | $11,630,000 | 6,945 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9469% | 7,064 |
| Cost of funding earning assets | 0.9647% | 2,200 |
| Net interest margin | 1.9822% | 7,171 |
| Noninterest income to average assets | 2.6230% | 284 |
| Noninterest expense to average assets | 5.3081% | 301 |
| Loan and lease loss provision to assets | 0.2859% | 2,177 |
| Net operating income to assets | -1.1064% | 7,018 |
| Return on assets (ROA) | -1.1064% | 7,032 |
| Pretax return on assets | -1.1064% | 7,000 |
| Return on Equity (ROE) | -7.5680% | 6,937 |
| Retained earnings to average equity (ytd only) | -7.5680% | 6,741 |
| Net charge-offs to loans | 2.5042% | 329 |
| Credit loss provision to net charge-offs | 31.5068% | 3,597 |
| Earnings coverage of net charge-offs (x) | -0.9041% | 4,546 |
| Efficiency ratio | 118.2825% | 237 |
| Assets per employee ($millions) | 3.2077% | 5,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0333% | 2,256 |
| Loan loss allowance to noncurrent loans | 57.7500% | 4,648 |
| Noncurrent assets plus other real estate owned to assets | 2.2103% | 2,684 |
| Noncurrent loans to loans | 3.5208% | 1,771 |
| Net loans and leases to total assets | 34.6978% | 6,701 |
| Net loans and leases to deposits | 41.1460% | 6,700 |
| Net loans and leases to core deposits | 56.4430% | 5,868 |
| Total domestic deposits to total assets | 84.3283% | 4,355 |
| Equity capital to assets | 14.5213% | 861 |
| Core capital (leverage) ratio | 14.3573% | 719 |
| Tier 1 risk-based capital ratio | 30.5827% | 499 |
| Total risk-based capital ratio | 31.8350% | 492 |
| Memoranda: | ||
| Average total assets | $32,177,500 | 6,890 |
| Average earning assets | $30,269,000 | 6,837 |
| Average equity | $4,704,000 | 6,512 |
| Average total loans | $11,660,500 | 6,999 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8717% | 7,204 |
| Cost of funding earning assets | 1.0946% | 2,708 |
| Net interest margin | 1.7771% | 7,263 |
| Noninterest income to average assets | 5.2860% | 114 |
| Noninterest expense to average assets | 5.8248% | 230 |
| Loan and lease loss provision to assets | 0.5148% | 2,043 |
| Net operating income to assets | 0.6472% | 3,749 |
| Return on assets (ROA) | 0.6472% | 3,946 |
| Pretax return on assets | 0.6472% | 4,522 |
| Return on Equity (ROE) | 4.8647% | 4,453 |
| Retained earnings to average equity (ytd only) | 4.8647% | 2,738 |
| Net charge-offs to loans | 3.0045% | 327 |
| Credit loss provision to net charge-offs | 43.2911% | 5,568 |
| Earnings coverage of net charge-offs (x) | 0.9772% | 5,065 |
| Efficiency ratio | 83.3692% | 1,835 |
| Assets per employee ($millions) | 3.5864% | 4,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3495% | 1,544 |
| Loan loss allowance to noncurrent loans | 43.6335% | 5,389 |
| Noncurrent assets plus other real estate owned to assets | 2.6675% | 2,284 |
| Noncurrent loans to loans | 5.3846% | 1,003 |
| Net loans and leases to total assets | 36.1825% | 6,758 |
| Net loans and leases to deposits | 42.9944% | 6,761 |
| Net loans and leases to core deposits | 58.8689% | 5,947 |
| Total domestic deposits to total assets | 84.1564% | 4,257 |
| Equity capital to assets | 14.7159% | 842 |
| Core capital (leverage) ratio | 14.8487% | 635 |
| Tier 1 risk-based capital ratio | 30.3608% | 503 |
| Total risk-based capital ratio | 31.6127% | 491 |
| Memoranda: | ||
| Average total assets | $33,220,000 | 6,889 |
| Average earning assets | $31,793,400 | 6,816 |
| Average equity | $4,419,600 | 6,624 |
| Average total loans | $13,147,000 | 6,984 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9219% | 7,277 |
| Cost of funding earning assets | 1.1181% | 2,851 |
| Net interest margin | 1.8038% | 7,332 |
| Noninterest income to average assets | 2.2955% | 301 |
| Noninterest expense to average assets | 5.7029% | 234 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -1.6778% | 7,083 |
| Return on assets (ROA) | -1.6778% | 7,091 |
| Pretax return on assets | -1.6778% | 7,058 |
| Return on Equity (ROE) | -12.9426% | 6,969 |
| Retained earnings to average equity (ytd only) | -12.9426% | 6,944 |
| Net charge-offs to loans | 1.1604% | 1,359 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | -3.5982% | 6,078 |
| Efficiency ratio | 141.6832% | 174 |
| Assets per employee ($millions) | 3.4857% | 5,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1070% | 792 |
| Loan loss allowance to noncurrent loans | 46.4755% | 5,226 |
| Noncurrent assets plus other real estate owned to assets | 3.4172% | 1,850 |
| Noncurrent loans to loans | 6.6853% | 772 |
| Net loans and leases to total assets | 38.6695% | 6,729 |
| Net loans and leases to deposits | 45.1705% | 6,782 |
| Net loans and leases to core deposits | 61.1257% | 5,897 |
| Total domestic deposits to total assets | 85.6077% | 3,439 |
| Equity capital to assets | 13.1523% | 1,536 |
| Core capital (leverage) ratio | 13.0263% | 1,224 |
| Tier 1 risk-based capital ratio | 26.1634% | 820 |
| Total risk-based capital ratio | 27.4354% | 796 |
| Memoranda: | ||
| Average total assets | $33,455,500 | 6,943 |
| Average earning assets | $32,079,000 | 6,867 |
| Average equity | $4,337,000 | 6,694 |
| Average total loans | $13,443,750 | 7,045 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8511% | 7,375 |
| Cost of funding earning assets | 1.1149% | 3,126 |
| Net interest margin | 1.7363% | 7,419 |
| Noninterest income to average assets | 2.4831% | 274 |
| Noninterest expense to average assets | 5.4348% | 273 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -1.2826% | 7,028 |
| Return on assets (ROA) | -1.2826% | 7,038 |
| Pretax return on assets | -1.2826% | 6,990 |
| Return on Equity (ROE) | -9.9380% | 6,937 |
| Retained earnings to average equity (ytd only) | -9.9380% | 6,876 |
| Net charge-offs to loans | 0.4509% | 2,772 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | -7.0645% | 5,812 |
| Efficiency ratio | 130.8886% | 248 |
| Assets per employee ($millions) | 3.1572% | 5,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6733% | 521 |
| Loan loss allowance to noncurrent loans | 44.4236% | 5,355 |
| Noncurrent assets plus other real estate owned to assets | 4.8809% | 1,261 |
| Noncurrent loans to loans | 8.2688% | 531 |
| Net loans and leases to total assets | 39.3703% | 6,782 |
| Net loans and leases to deposits | 46.2873% | 6,811 |
| Net loans and leases to core deposits | 62.6228% | 5,846 |
| Total domestic deposits to total assets | 85.0564% | 3,851 |
| Equity capital to assets | 13.7337% | 1,190 |
| Core capital (leverage) ratio | 12.9671% | 1,180 |
| Tier 1 risk-based capital ratio | 26.8769% | 737 |
| Total risk-based capital ratio | 28.1532% | 718 |
| Memoranda: | ||
| Average total assets | $34,150,330 | 6,984 |
| Average earning assets | $32,829,000 | 6,912 |
| Average equity | $4,407,330 | 6,713 |
| Average total loans | $13,751,670 | 7,100 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8125% | 7,442 |
| Cost of funding earning assets | 1.0853% | 3,617 |
| Net interest margin | 1.7272% | 7,468 |
| Noninterest income to average assets | 1.7269% | 461 |
| Noninterest expense to average assets | 4.8872% | 403 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -1.4899% | 7,198 |
| Return on assets (ROA) | -1.4899% | 7,200 |
| Pretax return on assets | -1.4899% | 7,157 |
| Return on Equity (ROE) | -11.8839% | 7,074 |
| Retained earnings to average equity (ytd only) | -11.8839% | 6,937 |
| Net charge-offs to loans | -0.3668% | 7,374 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 143.8538% | 196 |
| Assets per employee ($millions) | 3.5330% | 4,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6443% | 544 |
| Loan loss allowance to noncurrent loans | 40.9163% | 5,570 |
| Noncurrent assets plus other real estate owned to assets | 3.9032% | 1,710 |
| Noncurrent loans to loans | 8.9067% | 509 |
| Net loans and leases to total assets | 38.7659% | 6,858 |
| Net loans and leases to deposits | 44.6633% | 6,927 |
| Net loans and leases to core deposits | 66.1802% | 5,490 |
| Total domestic deposits to total assets | 86.7959% | 3,061 |
| Equity capital to assets | 12.4002% | 1,680 |
| Core capital (leverage) ratio | 12.3290% | 1,401 |
| Tier 1 risk-based capital ratio | 25.1782% | 860 |
| Total risk-based capital ratio | 26.4483% | 839 |
| Memoranda: | ||
| Average total assets | $35,439,500 | 6,989 |
| Average earning assets | $34,275,500 | 6,911 |
| Average equity | $4,443,000 | 6,725 |
| Average total loans | $14,175,500 | 7,131 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3599% | 7,426 |
| Cost of funding earning assets | 1.4051% | 3,234 |
| Net interest margin | 1.9548% | 7,466 |
| Noninterest income to average assets | 5.0070% | 134 |
| Noninterest expense to average assets | 5.5932% | 284 |
| Loan and lease loss provision to assets | 0.3702% | 3,904 |
| Net operating income to assets | 0.8977% | 2,393 |
| Return on assets (ROA) | 0.8977% | 2,528 |
| Pretax return on assets | 0.8977% | 3,299 |
| Return on Equity (ROE) | 6.4860% | 3,357 |
| Retained earnings to average equity (ytd only) | 6.4860% | 1,560 |
| Net charge-offs to loans | 0.1804% | 5,237 |
| Credit loss provision to net charge-offs | 545.4545% | 414 |
| Earnings coverage of net charge-offs (x) | 18.6818% | 1,095 |
| Efficiency ratio | 81.5198% | 2,220 |
| Assets per employee ($millions) | 3.5549% | 4,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5722% | 565 |
| Loan loss allowance to noncurrent loans | 38.9360% | 5,708 |
| Noncurrent assets plus other real estate owned to assets | 4.4727% | 1,494 |
| Noncurrent loans to loans | 9.1745% | 500 |
| Net loans and leases to total assets | 38.3471% | 7,061 |
| Net loans and leases to deposits | 44.3750% | 7,107 |
| Net loans and leases to core deposits | 66.5950% | 5,823 |
| Total domestic deposits to total assets | 86.4159% | 3,124 |
| Equity capital to assets | 12.6726% | 1,543 |
| Core capital (leverage) ratio | 13.4271% | 994 |
| Tier 1 risk-based capital ratio | 25.9602% | 760 |
| Total risk-based capital ratio | 27.2309% | 736 |
| Memoranda: | ||
| Average total assets | $32,414,600 | 7,134 |
| Average earning assets | $30,745,000 | 7,062 |
| Average equity | $4,486,600 | 6,821 |
| Average total loans | $12,192,400 | 7,293 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5585% | 7,513 |
| Cost of funding earning assets | 1.4797% | 3,092 |
| Net interest margin | 2.0787% | 7,555 |
| Noninterest income to average assets | 6.6473% | 102 |
| Noninterest expense to average assets | 5.8296% | 232 |
| Loan and lease loss provision to assets | 0.5058% | 2,928 |
| Net operating income to assets | 2.2720% | 203 |
| Return on assets (ROA) | 2.2720% | 218 |
| Pretax return on assets | 2.2720% | 359 |
| Return on Equity (ROE) | 16.0341% | 699 |
| Retained earnings to average equity (ytd only) | 16.0341% | 163 |
| Net charge-offs to loans | 0.2734% | 4,309 |
| Credit loss provision to net charge-offs | 500.0000% | 580 |
| Earnings coverage of net charge-offs (x) | 27.4575% | 933 |
| Efficiency ratio | 67.7277% | 4,522 |
| Assets per employee ($millions) | 3.1478% | 5,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5434% | 241 |
| Loan loss allowance to noncurrent loans | 44.1615% | 5,330 |
| Noncurrent assets plus other real estate owned to assets | 4.9558% | 1,305 |
| Noncurrent loans to loans | 10.2881% | 397 |
| Net loans and leases to total assets | 33.5727% | 7,361 |
| Net loans and leases to deposits | 40.1779% | 7,363 |
| Net loans and leases to core deposits | 52.1799% | 7,043 |
| Total domestic deposits to total assets | 83.5599% | 4,343 |
| Equity capital to assets | 15.2805% | 828 |
| Core capital (leverage) ratio | 15.3739% | 651 |
| Tier 1 risk-based capital ratio | 32.4809% | 418 |
| Total risk-based capital ratio | 33.7561% | 409 |
| Memoranda: | ||
| Average total assets | $31,631,000 | 7,237 |
| Average earning assets | $29,825,000 | 7,182 |
| Average equity | $4,482,000 | 6,912 |
| Average total loans | $11,706,250 | 7,417 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6494% | 7,555 |
| Cost of funding earning assets | 1.5145% | 3,178 |
| Net interest margin | 2.1349% | 7,605 |
| Noninterest income to average assets | 5.4037% | 127 |
| Noninterest expense to average assets | 5.5300% | 272 |
| Loan and lease loss provision to assets | 0.3788% | 3,443 |
| Net operating income to assets | 1.5151% | 891 |
| Return on assets (ROA) | 1.5151% | 951 |
| Pretax return on assets | 1.5151% | 1,519 |
| Return on Equity (ROE) | 10.9773% | 1,763 |
| Retained earnings to average equity (ytd only) | 10.9773% | 664 |
| Net charge-offs to loans | 0.5370% | 2,917 |
| Credit loss provision to net charge-offs | 187.5000% | 2,099 |
| Earnings coverage of net charge-offs (x) | 9.3750% | 2,027 |
| Efficiency ratio | 74.4898% | 3,376 |
| Assets per employee ($millions) | 3.0782% | 5,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7374% | 456 |
| Loan loss allowance to noncurrent loans | 37.9581% | 5,816 |
| Noncurrent assets plus other real estate owned to assets | 5.0744% | 1,257 |
| Noncurrent loans to loans | 9.8462% | 455 |
| Net loans and leases to total assets | 36.3979% | 7,337 |
| Net loans and leases to deposits | 43.2403% | 7,342 |
| Net loans and leases to core deposits | 56.3979% | 6,918 |
| Total domestic deposits to total assets | 84.1758% | 4,027 |
| Equity capital to assets | 14.6384% | 965 |
| Core capital (leverage) ratio | 14.2329% | 869 |
| Tier 1 risk-based capital ratio | 31.0194% | 457 |
| Total risk-based capital ratio | 32.2910% | 455 |
| Memoranda: | ||
| Average total assets | $31,682,000 | 7,292 |
| Average earning assets | $29,977,670 | 7,231 |
| Average equity | $4,372,670 | 6,986 |
| Average total loans | $11,918,000 | 7,464 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6596% | 7,652 |
| Cost of funding earning assets | 1.5590% | 3,209 |
| Net interest margin | 2.1006% | 7,688 |
| Noninterest income to average assets | 4.1330% | 160 |
| Noninterest expense to average assets | 5.1288% | 335 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.9834% | 2,244 |
| Return on assets (ROA) | 0.9834% | 2,305 |
| Pretax return on assets | 0.9834% | 3,150 |
| Return on Equity (ROE) | 7.3386% | 3,185 |
| Retained earnings to average equity (ytd only) | 7.3386% | 1,998 |
| Net charge-offs to loans | 0.6303% | 2,246 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 4.1579% | 2,689 |
| Efficiency ratio | 83.9104% | 2,026 |
| Assets per employee ($millions) | 2.9205% | 6,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2943% | 638 |
| Loan loss allowance to noncurrent loans | 35.5963% | 6,003 |
| Noncurrent assets plus other real estate owned to assets | 5.9673% | 1,013 |
| Noncurrent loans to loans | 9.2545% | 506 |
| Net loans and leases to total assets | 35.4553% | 7,444 |
| Net loans and leases to deposits | 41.4710% | 7,472 |
| Net loans and leases to core deposits | 57.1271% | 6,928 |
| Total domestic deposits to total assets | 85.4942% | 3,420 |
| Equity capital to assets | 13.5128% | 1,322 |
| Core capital (leverage) ratio | 13.4557% | 1,093 |
| Tier 1 risk-based capital ratio | 28.0490% | 637 |
| Total risk-based capital ratio | 29.3071% | 622 |
| Memoranda: | ||
| Average total assets | $32,132,000 | 7,374 |
| Average earning assets | $30,276,500 | 7,309 |
| Average equity | $4,306,000 | 7,068 |
| Average total loans | $12,057,500 | 7,544 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3623% | 7,510 |
| Cost of funding earning assets | 2.1047% | 2,434 |
| Net interest margin | 2.2576% | 7,616 |
| Noninterest income to average assets | 2.8302% | 237 |
| Noninterest expense to average assets | 5.7576% | 344 |
| Loan and lease loss provision to assets | 1.6925% | 1,348 |
| Net operating income to assets | -2.4917% | 7,269 |
| Return on assets (ROA) | -1.9275% | 7,061 |
| Pretax return on assets | -1.9275% | 6,910 |
| Return on Equity (ROE) | -13.3186% | 6,849 |
| Retained earnings to average equity (ytd only) | -13.3186% | 6,776 |
| Net charge-offs to loans | 4.6414% | 304 |
| Credit loss provision to net charge-offs | 84.2434% | 6,180 |
| Earnings coverage of net charge-offs (x) | -0.3978% | 6,626 |
| Efficiency ratio | 116.1188% | 668 |
| Assets per employee ($millions) | 2.9217% | 6,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2990% | 607 |
| Loan loss allowance to noncurrent loans | 35.8275% | 6,047 |
| Noncurrent assets plus other real estate owned to assets | 6.1514% | 910 |
| Noncurrent loans to loans | 9.2081% | 482 |
| Net loans and leases to total assets | 37.1200% | 7,478 |
| Net loans and leases to deposits | 43.4008% | 7,536 |
| Net loans and leases to core deposits | 204.2458% | 93 |
| Total domestic deposits to total assets | 85.5285% | 3,276 |
| Equity capital to assets | 13.2892% | 1,399 |
| Core capital (leverage) ratio | 12.9156% | 1,274 |
| Tier 1 risk-based capital ratio | 27.0618% | 699 |
| Total risk-based capital ratio | 28.3307% | 680 |
| Memoranda: | ||
| Average total assets | $31,905,800 | 7,409 |
| Average earning assets | $30,076,000 | 7,350 |
| Average equity | $4,617,600 | 7,074 |
| Average total loans | $13,810,600 | 7,506 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5424% | 7,463 |
| Cost of funding earning assets | 2.1802% | 2,498 |
| Net interest margin | 2.3622% | 7,591 |
| Noninterest income to average assets | 3.2739% | 205 |
| Noninterest expense to average assets | 5.8946% | 314 |
| Loan and lease loss provision to assets | 0.7536% | 2,486 |
| Net operating income to assets | -1.1471% | 6,930 |
| Return on assets (ROA) | -0.3935% | 6,310 |
| Pretax return on assets | -0.3935% | 6,192 |
| Return on Equity (ROE) | -2.6642% | 6,189 |
| Retained earnings to average equity (ytd only) | -2.6642% | 5,858 |
| Net charge-offs to loans | 2.2286% | 862 |
| Credit loss provision to net charge-offs | 75.9494% | 5,864 |
| Earnings coverage of net charge-offs (x) | -0.3966% | 6,428 |
| Efficiency ratio | 107.1537% | 829 |
| Assets per employee ($millions) | 2.9595% | 6,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3242% | 493 |
| Loan loss allowance to noncurrent loans | 31.3194% | 6,359 |
| Noncurrent assets plus other real estate owned to assets | 7.0066% | 689 |
| Noncurrent loans to loans | 10.6140% | 352 |
| Net loans and leases to total assets | 40.2887% | 7,452 |
| Net loans and leases to deposits | 47.9789% | 7,494 |
| Net loans and leases to core deposits | 223.8225% | 67 |
| Total domestic deposits to total assets | 83.9717% | 3,739 |
| Equity capital to assets | 14.6552% | 1,103 |
| Core capital (leverage) ratio | 14.6555% | 924 |
| Tier 1 risk-based capital ratio | 28.8477% | 630 |
| Total risk-based capital ratio | 30.1186% | 613 |
| Memoranda: | ||
| Average total assets | $31,847,500 | 7,466 |
| Average earning assets | $30,027,750 | 7,415 |
| Average equity | $4,704,250 | 7,106 |
| Average total loans | $14,179,000 | 7,559 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6080% | 7,521 |
| Cost of funding earning assets | 2.2838% | 2,430 |
| Net interest margin | 2.3241% | 7,659 |
| Noninterest income to average assets | 1.4109% | 758 |
| Noninterest expense to average assets | 6.0357% | 316 |
| Loan and lease loss provision to assets | 0.7592% | 2,165 |
| Net operating income to assets | -3.1950% | 7,711 |
| Return on assets (ROA) | -2.0562% | 7,437 |
| Pretax return on assets | -2.0562% | 7,306 |
| Return on Equity (ROE) | -13.8830% | 7,277 |
| Retained earnings to average equity (ytd only) | -13.8830% | 7,177 |
| Net charge-offs to loans | 0.7370% | 2,204 |
| Credit loss provision to net charge-offs | 226.4151% | 2,033 |
| Earnings coverage of net charge-offs (x) | -7.2642% | 6,496 |
| Efficiency ratio | 167.6626% | 295 |
| Assets per employee ($millions) | 2.9342% | 6,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8682% | 289 |
| Loan loss allowance to noncurrent loans | 31.1618% | 6,389 |
| Noncurrent assets plus other real estate owned to assets | 7.4297% | 540 |
| Noncurrent loans to loans | 12.4132% | 203 |
| Net loans and leases to total assets | 44.1969% | 7,313 |
| Net loans and leases to deposits | 51.9388% | 7,389 |
| Net loans and leases to core deposits | 217.4211% | 87 |
| Total domestic deposits to total assets | 85.0942% | 3,222 |
| Equity capital to assets | 13.7502% | 1,402 |
| Core capital (leverage) ratio | 14.3489% | 1,058 |
| Tier 1 risk-based capital ratio | 26.4898% | 817 |
| Total risk-based capital ratio | 27.7638% | 792 |
| Memoranda: | ||
| Average total assets | $31,611,670 | 7,546 |
| Average earning assets | $29,774,330 | 7,488 |
| Average equity | $4,682,000 | 7,180 |
| Average total loans | $14,383,000 | 7,627 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9437% | 7,066 |
| Cost of funding earning assets | 2.3304% | 2,573 |
| Net interest margin | 2.6133% | 7,352 |
| Noninterest income to average assets | 1.4195% | 698 |
| Noninterest expense to average assets | 6.1254% | 279 |
| Loan and lease loss provision to assets | 0.7673% | 1,677 |
| Net operating income to assets | -2.9924% | 7,842 |
| Return on assets (ROA) | -2.9924% | 7,842 |
| Pretax return on assets | -2.9924% | 7,754 |
| Return on Equity (ROE) | -19.4838% | 7,739 |
| Retained earnings to average equity (ytd only) | -19.4838% | 7,628 |
| Net charge-offs to loans | -0.7912% | 8,144 |
| Credit loss provision to net charge-offs | -214.2857% | 6,286 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 157.0492% | 323 |
| Assets per employee ($millions) | 2.8261% | 6,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2561% | 174 |
| Loan loss allowance to noncurrent loans | 36.7738% | 6,104 |
| Noncurrent assets plus other real estate owned to assets | 6.7392% | 526 |
| Noncurrent loans to loans | 11.5737% | 191 |
| Net loans and leases to total assets | 43.0566% | 7,408 |
| Net loans and leases to deposits | 51.3425% | 7,443 |
| Net loans and leases to core deposits | 212.1909% | 111 |
| Total domestic deposits to total assets | 83.8614% | 3,770 |
| Equity capital to assets | 15.0545% | 1,089 |
| Core capital (leverage) ratio | 14.6699% | 1,041 |
| Tier 1 risk-based capital ratio | 29.0089% | 687 |
| Total risk-based capital ratio | 30.2879% | 669 |
| Memoranda: | ||
| Average total assets | $31,279,500 | 7,594 |
| Average earning assets | $29,694,500 | 7,534 |
| Average equity | $4,804,000 | 7,183 |
| Average total loans | $14,155,000 | 7,679 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3126% | 7,585 |
| Cost of funding earning assets | 2.5977% | 3,697 |
| Net interest margin | 2.7149% | 7,472 |
| Noninterest income to average assets | 3.2952% | 178 |
| Noninterest expense to average assets | 5.8747% | 420 |
| Loan and lease loss provision to assets | 1.1980% | 1,202 |
| Net operating income to assets | -1.1824% | 7,335 |
| Return on assets (ROA) | -1.1513% | 7,261 |
| Pretax return on assets | -1.1513% | 7,092 |
| Return on Equity (ROE) | -7.4059% | 7,082 |
| Retained earnings to average equity (ytd only) | -7.4059% | 6,823 |
| Net charge-offs to loans | 2.7105% | 345 |
| Credit loss provision to net charge-offs | 91.6667% | 5,640 |
| Earnings coverage of net charge-offs (x) | 0.0119% | 6,238 |
| Efficiency ratio | 99.7359% | 993 |
| Assets per employee ($millions) | 2.4209% | 7,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5450% | 267 |
| Loan loss allowance to noncurrent loans | 28.0663% | 6,830 |
| Noncurrent assets plus other real estate owned to assets | 7.3621% | 333 |
| Noncurrent loans to loans | 12.6308% | 109 |
| Net loans and leases to total assets | 43.9184% | 7,474 |
| Net loans and leases to deposits | 52.8344% | 7,498 |
| Net loans and leases to core deposits | 218.4606% | 114 |
| Total domestic deposits to total assets | 83.1247% | 3,717 |
| Equity capital to assets | 15.6584% | 1,011 |
| Core capital (leverage) ratio | 15.3407% | 954 |
| Tier 1 risk-based capital ratio | 30.1508% | 635 |
| Total risk-based capital ratio | 31.4222% | 614 |
| Memoranda: | ||
| Average total assets | $32,137,600 | 7,555 |
| Average earning assets | $30,719,600 | 7,477 |
| Average equity | $4,996,000 | 7,143 |
| Average total loans | $15,495,400 | 7,621 |