Home > Mississippi County Savings and Loan Association > Performance and Condition Ratios
Mississippi County Savings and Loan Association, Performance and Condition Ratios
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2327% | 5,178 |
| Cost of funding earning assets | 0.4408% | 3,594 |
| Net interest margin | 2.7918% | 5,095 |
| Noninterest income to average assets | -0.0998% | 5,450 |
| Noninterest expense to average assets | 3.2420% | 1,430 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | -0.8146% | 5,412 |
| Return on assets (ROA) | -0.8146% | 5,406 |
| Pretax return on assets | -0.8146% | 5,406 |
| Return on Equity (ROE) | -2.7735% | 5,366 |
| Retained earnings to average equity (ytd only) | -2.7735% | 5,243 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.5616% | 39 |
| Assets per employee ($millions) | 1.8938% | 5,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6047% | 1,072 |
| Loan loss allowance to noncurrent loans | 47.5000% | 4,445 |
| Noncurrent assets plus other real estate owned to assets | 1.2145% | 1,145 |
| Noncurrent loans to loans | 3.3784% | 294 |
| Net loans and leases to total assets | 30.7591% | 5,261 |
| Net loans and leases to deposits | 44.4826% | 5,097 |
| Net loans and leases to core deposits | 44.4826% | 5,155 |
| Total domestic deposits to total assets | 69.1485% | 5,252 |
| Equity capital to assets | 30.7195% | 61 |
| Core capital (leverage) ratio | 29.1528% | 70 |
| Tier 1 risk-based capital ratio | 54.3822% | 108 |
| Total risk-based capital ratio | 55.3400% | 110 |
| Memoranda: | ||
| Average total assets | $8,019,500 | 5,478 |
| Average earning assets | $7,259,000 | 5,467 |
| Average equity | $2,355,500 | 5,398 |
| Average total loans | $2,471,750 | 5,445 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1988% | 5,231 |
| Cost of funding earning assets | 0.4609% | 3,278 |
| Net interest margin | 2.7380% | 5,181 |
| Noninterest income to average assets | 0.1224% | 5,185 |
| Noninterest expense to average assets | 3.2078% | 1,519 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -0.6122% | 5,450 |
| Return on assets (ROA) | -0.6122% | 5,444 |
| Pretax return on assets | -0.6122% | 5,441 |
| Return on Equity (ROE) | -2.1142% | 5,401 |
| Retained earnings to average equity (ytd only) | -2.1142% | 5,156 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.5849% | 62 |
| Assets per employee ($millions) | 2.0253% | 5,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5715% | 1,174 |
| Loan loss allowance to noncurrent loans | 40.0000% | 4,594 |
| Noncurrent assets plus other real estate owned to assets | 1.7652% | 673 |
| Noncurrent loans to loans | 3.9289% | 229 |
| Net loans and leases to total assets | 29.3791% | 5,340 |
| Net loans and leases to deposits | 41.4418% | 5,206 |
| Net loans and leases to core deposits | 41.4418% | 5,251 |
| Total domestic deposits to total assets | 70.8925% | 5,239 |
| Equity capital to assets | 29.0335% | 74 |
| Core capital (leverage) ratio | 28.6391% | 77 |
| Tier 1 risk-based capital ratio | 51.9575% | 121 |
| Total risk-based capital ratio | 52.8626% | 121 |
| Memoranda: | ||
| Average total assets | $8,167,670 | 5,541 |
| Average earning assets | $7,377,670 | 5,529 |
| Average equity | $2,365,000 | 5,459 |
| Average total loans | $2,506,330 | 5,507 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2743% | 5,165 |
| Cost of funding earning assets | 0.4294% | 3,374 |
| Net interest margin | 2.8449% | 5,103 |
| Noninterest income to average assets | 0.1463% | 5,131 |
| Noninterest expense to average assets | 3.2679% | 1,410 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.5365% | 5,496 |
| Return on assets (ROA) | -0.5365% | 5,496 |
| Pretax return on assets | -0.5365% | 5,498 |
| Return on Equity (ROE) | -1.8554% | 5,447 |
| Retained earnings to average equity (ytd only) | -1.8554% | 4,995 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.6429% | 63 |
| Assets per employee ($millions) | 2.0518% | 5,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5139% | 1,413 |
| Loan loss allowance to noncurrent loans | 62.2951% | 4,170 |
| Noncurrent assets plus other real estate owned to assets | 1.3281% | 1,114 |
| Noncurrent loans to loans | 2.4303% | 569 |
| Net loans and leases to total assets | 30.1206% | 5,362 |
| Net loans and leases to deposits | 42.3360% | 5,205 |
| Net loans and leases to core deposits | 42.3360% | 5,259 |
| Total domestic deposits to total assets | 71.1466% | 5,327 |
| Equity capital to assets | 28.8169% | 71 |
| Core capital (leverage) ratio | 28.1311% | 76 |
| Tier 1 risk-based capital ratio | 50.5694% | 128 |
| Total risk-based capital ratio | 51.3579% | 128 |
| Memoranda: | ||
| Average total assets | $8,201,000 | 5,603 |
| Average earning assets | $7,452,000 | 5,591 |
| Average equity | $2,371,500 | 5,517 |
| Average total loans | $2,550,500 | 5,570 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0873% | 5,304 |
| Cost of funding earning assets | 0.4500% | 2,776 |
| Net interest margin | 2.6374% | 5,328 |
| Noninterest income to average assets | 0.1158% | 5,353 |
| Noninterest expense to average assets | 3.1261% | 1,784 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -0.4515% | 5,520 |
| Return on assets (ROA) | -0.4515% | 5,519 |
| Pretax return on assets | -0.5673% | 5,562 |
| Return on Equity (ROE) | -1.6284% | 5,448 |
| Retained earnings to average equity (ytd only) | -1.6284% | 5,243 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.1719% | 60 |
| Assets per employee ($millions) | 2.0488% | 5,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4666% | 1,522 |
| Loan loss allowance to noncurrent loans | 47.5000% | 4,537 |
| Noncurrent assets plus other real estate owned to assets | 1.5619% | 854 |
| Noncurrent loans to loans | 3.0876% | 354 |
| Net loans and leases to total assets | 31.1531% | 5,412 |
| Net loans and leases to deposits | 43.9793% | 5,248 |
| Net loans and leases to core deposits | 43.9793% | 5,295 |
| Total domestic deposits to total assets | 70.8359% | 5,375 |
| Equity capital to assets | 29.0177% | 68 |
| Core capital (leverage) ratio | 27.7287% | 78 |
| Tier 1 risk-based capital ratio | 49.0805% | 121 |
| Total risk-based capital ratio | 49.9472% | 124 |
| Memoranda: | ||
| Average total assets | $8,637,000 | 5,668 |
| Average earning assets | $8,000,400 | 5,654 |
| Average equity | $2,395,000 | 5,578 |
| Average total loans | $2,740,800 | 5,637 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0174% | 5,397 |
| Cost of funding earning assets | 0.4428% | 2,781 |
| Net interest margin | 2.5746% | 5,425 |
| Noninterest income to average assets | 0.0763% | 5,543 |
| Noninterest expense to average assets | 3.0179% | 2,067 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -0.5487% | 5,635 |
| Return on assets (ROA) | -0.5487% | 5,636 |
| Pretax return on assets | -0.5487% | 5,629 |
| Return on Equity (ROE) | -2.0006% | 5,587 |
| Retained earnings to average equity (ytd only) | -2.0006% | 5,431 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.2222% | 60 |
| Assets per employee ($millions) | 2.8387% | 5,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4184% | 1,822 |
| Loan loss allowance to noncurrent loans | 33.9286% | 4,881 |
| Noncurrent assets plus other real estate owned to assets | 1.8788% | 718 |
| Noncurrent loans to loans | 4.1807% | 226 |
| Net loans and leases to total assets | 31.0122% | 5,475 |
| Net loans and leases to deposits | 43.1254% | 5,333 |
| Net loans and leases to core deposits | 43.1254% | 5,386 |
| Total domestic deposits to total assets | 71.9117% | 5,386 |
| Equity capital to assets | 27.9709% | 74 |
| Core capital (leverage) ratio | 27.4061% | 77 |
| Tier 1 risk-based capital ratio | 48.1543% | 138 |
| Total risk-based capital ratio | 48.9998% | 141 |
| Memoranda: | ||
| Average total assets | $8,747,500 | 5,733 |
| Average earning assets | $8,130,500 | 5,718 |
| Average equity | $2,399,250 | 5,642 |
| Average total loans | $2,778,250 | 5,700 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9956% | 5,441 |
| Cost of funding earning assets | 0.4384% | 2,714 |
| Net interest margin | 2.5572% | 5,467 |
| Noninterest income to average assets | 0.0907% | 5,548 |
| Noninterest expense to average assets | 3.0596% | 1,939 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -0.5893% | 5,692 |
| Return on assets (ROA) | -0.5893% | 5,690 |
| Pretax return on assets | -0.5893% | 5,686 |
| Return on Equity (ROE) | -2.1622% | 5,628 |
| Retained earnings to average equity (ytd only) | -2.1622% | 5,360 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.8532% | 55 |
| Assets per employee ($millions) | 4.3730% | 3,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3654% | 2,095 |
| Loan loss allowance to noncurrent loans | 60.3175% | 4,369 |
| Noncurrent assets plus other real estate owned to assets | 1.2692% | 1,311 |
| Noncurrent loans to loans | 2.2637% | 709 |
| Net loans and leases to total assets | 31.3858% | 5,511 |
| Net loans and leases to deposits | 43.2420% | 5,360 |
| Net loans and leases to core deposits | 43.2420% | 5,410 |
| Total domestic deposits to total assets | 72.5818% | 5,418 |
| Equity capital to assets | 27.3382% | 71 |
| Core capital (leverage) ratio | 26.4898% | 86 |
| Tier 1 risk-based capital ratio | 45.0234% | 161 |
| Total risk-based capital ratio | 45.8236% | 164 |
| Memoranda: | ||
| Average total assets | $8,824,670 | 5,781 |
| Average earning assets | $8,212,000 | 5,767 |
| Average equity | $2,405,000 | 5,686 |
| Average total loans | $2,811,330 | 5,749 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9631% | 5,493 |
| Cost of funding earning assets | 0.4372% | 2,644 |
| Net interest margin | 2.5260% | 5,526 |
| Noninterest income to average assets | 0.1354% | 5,435 |
| Noninterest expense to average assets | 3.0686% | 1,959 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.5866% | 5,747 |
| Return on assets (ROA) | -0.5866% | 5,746 |
| Pretax return on assets | -0.5866% | 5,739 |
| Return on Equity (ROE) | -2.1559% | 5,686 |
| Retained earnings to average equity (ytd only) | -2.1559% | 5,183 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.6364% | 70 |
| Assets per employee ($millions) | 2.9383% | 5,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3499% | 2,307 |
| Loan loss allowance to noncurrent loans | 122.5806% | 3,229 |
| Noncurrent assets plus other real estate owned to assets | 0.8962% | 2,068 |
| Noncurrent loans to loans | 1.1012% | 1,858 |
| Net loans and leases to total assets | 31.5031% | 5,553 |
| Net loans and leases to deposits | 43.3432% | 5,382 |
| Net loans and leases to core deposits | 43.3432% | 5,430 |
| Total domestic deposits to total assets | 72.6829% | 5,508 |
| Equity capital to assets | 27.2830% | 76 |
| Core capital (leverage) ratio | 26.7841% | 83 |
| Tier 1 risk-based capital ratio | 44.3796% | 173 |
| Total risk-based capital ratio | 44.6620% | 183 |
| Memoranda: | ||
| Average total assets | $8,864,000 | 5,850 |
| Average earning assets | $8,234,500 | 5,834 |
| Average equity | $2,412,000 | 5,751 |
| Average total loans | $2,825,500 | 5,818 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2147% | 5,278 |
| Cost of funding earning assets | 0.4592% | 2,451 |
| Net interest margin | 2.7555% | 5,351 |
| Noninterest income to average assets | -0.0110% | 5,871 |
| Noninterest expense to average assets | 3.2647% | 1,655 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -0.5515% | 5,793 |
| Return on assets (ROA) | -0.5515% | 5,796 |
| Pretax return on assets | -0.6948% | 5,805 |
| Return on Equity (ROE) | -2.0514% | 5,733 |
| Retained earnings to average equity (ytd only) | -2.0514% | 5,542 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.0386% | 70 |
| Assets per employee ($millions) | 2.9710% | 5,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3399% | 2,339 |
| Loan loss allowance to noncurrent loans | 165.2174% | 2,616 |
| Noncurrent assets plus other real estate owned to assets | 0.7966% | 2,361 |
| Noncurrent loans to loans | 0.8110% | 2,492 |
| Net loans and leases to total assets | 31.3923% | 5,614 |
| Net loans and leases to deposits | 43.1590% | 5,458 |
| Net loans and leases to core deposits | 43.1590% | 5,516 |
| Total domestic deposits to total assets | 72.7365% | 5,515 |
| Equity capital to assets | 27.1401% | 80 |
| Core capital (leverage) ratio | 27.1263% | 82 |
| Tier 1 risk-based capital ratio | 37.6693% | 259 |
| Total risk-based capital ratio | 38.2677% | 270 |
| Memoranda: | ||
| Average total assets | $9,066,800 | 5,907 |
| Average earning assets | $8,492,200 | 5,893 |
| Average equity | $2,437,400 | 5,807 |
| Average total loans | $2,972,600 | 5,875 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2101% | 5,351 |
| Cost of funding earning assets | 0.4520% | 2,542 |
| Net interest margin | 2.7581% | 5,423 |
| Noninterest income to average assets | -0.0439% | 5,951 |
| Noninterest expense to average assets | 3.2655% | 1,638 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.7175% | 5,883 |
| Return on assets (ROA) | -0.7175% | 5,885 |
| Pretax return on assets | -0.7175% | 5,880 |
| Return on Equity (ROE) | -2.6753% | 5,828 |
| Retained earnings to average equity (ytd only) | -2.6753% | 5,635 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.1609% | 60 |
| Assets per employee ($millions) | 2.9230% | 5,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3009% | 2,685 |
| Loan loss allowance to noncurrent loans | 79.1667% | 4,067 |
| Noncurrent assets plus other real estate owned to assets | 0.6842% | 2,862 |
| Noncurrent loans to loans | 1.6433% | 1,299 |
| Net loans and leases to total assets | 32.8772% | 5,660 |
| Net loans and leases to deposits | 45.4732% | 5,470 |
| Net loans and leases to core deposits | 45.4732% | 5,530 |
| Total domestic deposits to total assets | 72.3001% | 5,582 |
| Equity capital to assets | 27.5744% | 71 |
| Core capital (leverage) ratio | 27.1083% | 75 |
| Tier 1 risk-based capital ratio | 37.0347% | 285 |
| Total risk-based capital ratio | 37.6216% | 305 |
| Memoranda: | ||
| Average total assets | $9,105,250 | 5,973 |
| Average earning assets | $8,556,250 | 5,959 |
| Average equity | $2,442,000 | 5,870 |
| Average total loans | $3,006,750 | 5,942 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3548% | 5,173 |
| Cost of funding earning assets | 0.4627% | 2,450 |
| Net interest margin | 2.8921% | 5,281 |
| Noninterest income to average assets | -0.0868% | 6,034 |
| Noninterest expense to average assets | 3.2113% | 1,784 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.5859% | 5,933 |
| Return on assets (ROA) | -0.5859% | 5,936 |
| Pretax return on assets | -0.5859% | 5,930 |
| Return on Equity (ROE) | -2.2041% | 5,875 |
| Retained earnings to average equity (ytd only) | -2.2041% | 5,561 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.3140% | 85 |
| Assets per employee ($millions) | 3.0133% | 5,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2675% | 2,972 |
| Loan loss allowance to noncurrent loans | 108.5714% | 3,539 |
| Noncurrent assets plus other real estate owned to assets | 0.5199% | 3,478 |
| Noncurrent loans to loans | 1.1674% | 1,965 |
| Net loans and leases to total assets | 32.7434% | 5,723 |
| Net loans and leases to deposits | 44.9029% | 5,534 |
| Net loans and leases to core deposits | 44.9029% | 5,597 |
| Total domestic deposits to total assets | 72.9204% | 5,607 |
| Equity capital to assets | 26.9912% | 75 |
| Core capital (leverage) ratio | 26.7670% | 76 |
| Tier 1 risk-based capital ratio | 33.0015% | 383 |
| Total risk-based capital ratio | 33.5197% | 400 |
| Memoranda: | ||
| Average total assets | $9,217,330 | 6,051 |
| Average earning assets | $8,644,330 | 6,037 |
| Average equity | $2,450,000 | 5,942 |
| Average total loans | $3,035,330 | 6,017 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2492% | 5,415 |
| Cost of funding earning assets | 0.4576% | 2,498 |
| Net interest margin | 2.7916% | 5,476 |
| Noninterest income to average assets | -0.2579% | 6,113 |
| Noninterest expense to average assets | 3.3527% | 1,479 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.9886% | 6,027 |
| Return on assets (ROA) | -0.9886% | 6,029 |
| Pretax return on assets | -0.9886% | 6,019 |
| Return on Equity (ROE) | -3.7475% | 5,953 |
| Retained earnings to average equity (ytd only) | -3.7475% | 5,532 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 141.8182% | 52 |
| Assets per employee ($millions) | 3.0540% | 5,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2390% | 3,260 |
| Loan loss allowance to noncurrent loans | 105.5556% | 3,524 |
| Noncurrent assets plus other real estate owned to assets | 0.5239% | 3,503 |
| Noncurrent loans to loans | 1.1738% | 2,065 |
| Net loans and leases to total assets | 33.0605% | 5,748 |
| Net loans and leases to deposits | 45.1147% | 5,554 |
| Net loans and leases to core deposits | 45.1147% | 5,625 |
| Total domestic deposits to total assets | 73.2809% | 5,666 |
| Equity capital to assets | 26.6645% | 73 |
| Core capital (leverage) ratio | 26.4231% | 77 |
| Tier 1 risk-based capital ratio | 20.2186% | 1,457 |
| Total risk-based capital ratio | 20.5357% | 1,628 |
| Memoranda: | ||
| Average total assets | $9,306,000 | 6,115 |
| Average earning assets | $8,740,500 | 6,101 |
| Average equity | $2,455,000 | 6,000 |
| Average total loans | $3,054,000 | 6,079 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3348% | 5,286 |
| Cost of funding earning assets | 0.4716% | 2,426 |
| Net interest margin | 2.8632% | 5,396 |
| Noninterest income to average assets | 0.2418% | 5,150 |
| Noninterest expense to average assets | 3.0490% | 2,384 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.0841% | 5,917 |
| Return on assets (ROA) | -0.0841% | 5,933 |
| Pretax return on assets | -0.1262% | 5,936 |
| Return on Equity (ROE) | -0.3244% | 5,909 |
| Retained earnings to average equity (ytd only) | -0.3244% | 5,561 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.3165% | 208 |
| Assets per employee ($millions) | 3.1500% | 5,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2496% | 3,176 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,682 |
| Noncurrent assets plus other real estate owned to assets | 0.6984% | 2,957 |
| Noncurrent loans to loans | 1.2496% | 1,889 |
| Net loans and leases to total assets | 31.7778% | 5,844 |
| Net loans and leases to deposits | 43.0785% | 5,679 |
| Net loans and leases to core deposits | 43.0785% | 5,740 |
| Total domestic deposits to total assets | 73.7672% | 5,670 |
| Equity capital to assets | 26.1058% | 76 |
| Core capital (leverage) ratio | 25.7691% | 81 |
| Tier 1 risk-based capital ratio | 20.1019% | 1,466 |
| Total risk-based capital ratio | 20.4224% | 1,620 |
| Memoranda: | ||
| Average total assets | $9,511,400 | 6,174 |
| Average earning assets | $8,906,200 | 6,162 |
| Average equity | $2,466,400 | 6,054 |
| Average total loans | $2,865,600 | 6,141 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2564% | 5,492 |
| Cost of funding earning assets | 0.4802% | 2,405 |
| Net interest margin | 2.7761% | 5,619 |
| Noninterest income to average assets | 0.1120% | 5,905 |
| Noninterest expense to average assets | 2.9390% | 2,712 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.2380% | 6,058 |
| Return on assets (ROA) | -0.2380% | 6,075 |
| Pretax return on assets | -0.2380% | 6,064 |
| Return on Equity (ROE) | -0.9192% | 6,022 |
| Retained earnings to average equity (ytd only) | -0.9192% | 5,749 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.8083% | 161 |
| Assets per employee ($millions) | 3.1913% | 5,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2960% | 3,116 |
| Loan loss allowance to noncurrent loans | 62.2951% | 4,625 |
| Noncurrent assets plus other real estate owned to assets | 0.7625% | 3,000 |
| Noncurrent loans to loans | 2.0805% | 1,102 |
| Net loans and leases to total assets | 30.2277% | 5,964 |
| Net loans and leases to deposits | 40.8008% | 5,837 |
| Net loans and leases to core deposits | 40.8008% | 5,896 |
| Total domestic deposits to total assets | 74.0861% | 5,702 |
| Equity capital to assets | 25.6737% | 90 |
| Core capital (leverage) ratio | 25.5393% | 83 |
| Tier 1 risk-based capital ratio | 19.8228% | 1,595 |
| Total risk-based capital ratio | 20.1398% | 1,770 |
| Memoranda: | ||
| Average total assets | $9,526,750 | 6,261 |
| Average earning assets | $8,885,000 | 6,248 |
| Average equity | $2,466,250 | 6,138 |
| Average total loans | $2,821,750 | 6,225 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3045% | 5,430 |
| Cost of funding earning assets | 0.4721% | 2,497 |
| Net interest margin | 2.8324% | 5,550 |
| Noninterest income to average assets | 0.1262% | 5,918 |
| Noninterest expense to average assets | 2.9019% | 2,886 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.1262% | 6,063 |
| Return on assets (ROA) | -0.1262% | 6,092 |
| Pretax return on assets | -0.1262% | 6,079 |
| Return on Equity (ROE) | -0.4860% | 6,059 |
| Retained earnings to average equity (ytd only) | -0.4860% | 5,603 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.5455% | 243 |
| Assets per employee ($millions) | 3.1987% | 5,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3423% | 3,020 |
| Loan loss allowance to noncurrent loans | 95.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.5419% | 3,807 |
| Noncurrent loans to loans | 1.4129% | 1,904 |
| Net loans and leases to total assets | 29.1059% | 6,063 |
| Net loans and leases to deposits | 39.2993% | 5,923 |
| Net loans and leases to core deposits | 39.2993% | 5,980 |
| Total domestic deposits to total assets | 74.0621% | 5,786 |
| Equity capital to assets | 25.7190% | 85 |
| Core capital (leverage) ratio | 25.5850% | 85 |
| Tier 1 risk-based capital ratio | 19.4628% | 1,680 |
| Total risk-based capital ratio | 19.7727% | 1,876 |
| Memoranda: | ||
| Average total assets | $9,511,000 | 6,339 |
| Average earning assets | $8,897,000 | 6,322 |
| Average equity | $2,469,000 | 6,208 |
| Average total loans | $2,785,000 | 6,301 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0705% | 5,819 |
| Cost of funding earning assets | 0.4967% | 2,316 |
| Net interest margin | 2.5738% | 5,944 |
| Noninterest income to average assets | 0.1267% | 5,969 |
| Noninterest expense to average assets | 2.9572% | 2,715 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.4225% | 6,222 |
| Return on assets (ROA) | -0.4225% | 6,238 |
| Pretax return on assets | -0.4225% | 6,225 |
| Return on Equity (ROE) | -1.6198% | 6,157 |
| Retained earnings to average equity (ytd only) | -1.6198% | 5,639 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.6667% | 146 |
| Assets per employee ($millions) | 3.2270% | 5,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3758% | 3,038 |
| Loan loss allowance to noncurrent loans | 90.4762% | 3,911 |
| Noncurrent assets plus other real estate owned to assets | 0.5578% | 3,803 |
| Noncurrent loans to loans | 1.5206% | 1,854 |
| Net loans and leases to total assets | 28.1376% | 6,129 |
| Net loans and leases to deposits | 37.8386% | 5,995 |
| Net loans and leases to core deposits | 37.8386% | 6,044 |
| Total domestic deposits to total assets | 74.3622% | 5,875 |
| Equity capital to assets | 25.4622% | 91 |
| Core capital (leverage) ratio | 25.8126% | 85 |
| Tier 1 risk-based capital ratio | 17.4229% | 2,328 |
| Total risk-based capital ratio | 17.7007% | 2,646 |
| Memoranda: | ||
| Average total assets | $9,468,500 | 6,408 |
| Average earning assets | $8,858,500 | 6,391 |
| Average equity | $2,469,500 | 6,273 |
| Average total loans | $2,762,000 | 6,371 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3062% | 5,695 |
| Cost of funding earning assets | 0.5180% | 2,506 |
| Net interest margin | 2.7882% | 5,827 |
| Noninterest income to average assets | 0.0919% | 6,186 |
| Noninterest expense to average assets | 3.1354% | 2,403 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.3677% | 6,262 |
| Return on assets (ROA) | -0.3677% | 6,259 |
| Pretax return on assets | -0.4596% | 6,278 |
| Return on Equity (ROE) | -1.4467% | 6,186 |
| Retained earnings to average equity (ytd only) | -1.4467% | 5,962 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.1756% | 144 |
| Assets per employee ($millions) | 3.0853% | 5,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3758% | 3,068 |
| Loan loss allowance to noncurrent loans | 60.3175% | 4,796 |
| Noncurrent assets plus other real estate owned to assets | 0.8103% | 3,178 |
| Noncurrent loans to loans | 2.2810% | 1,146 |
| Net loans and leases to total assets | 29.4296% | 6,192 |
| Net loans and leases to deposits | 40.3078% | 6,030 |
| Net loans and leases to core deposits | 40.3078% | 6,092 |
| Total domestic deposits to total assets | 73.0121% | 6,016 |
| Equity capital to assets | 26.7286% | 82 |
| Core capital (leverage) ratio | 26.7286% | 79 |
| Tier 1 risk-based capital ratio | 60.2533% | 91 |
| Total risk-based capital ratio | 61.1788% | 91 |
| Memoranda: | ||
| Average total assets | $9,791,400 | 6,494 |
| Average earning assets | $9,073,800 | 6,482 |
| Average equity | $2,488,400 | 6,355 |
| Average total loans | $2,985,000 | 6,463 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1832% | 5,919 |
| Cost of funding earning assets | 0.5111% | 2,650 |
| Net interest margin | 2.6721% | 6,039 |
| Noninterest income to average assets | 0.0672% | 6,338 |
| Noninterest expense to average assets | 3.0628% | 2,590 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.5373% | 6,376 |
| Return on assets (ROA) | -0.5373% | 6,373 |
| Pretax return on assets | -0.5373% | 6,363 |
| Return on Equity (ROE) | -2.1400% | 6,291 |
| Retained earnings to average equity (ytd only) | -2.1400% | 6,086 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.2766% | 123 |
| Assets per employee ($millions) | 3.2423% | 5,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2978% | 3,659 |
| Loan loss allowance to noncurrent loans | 40.4255% | 5,434 |
| Noncurrent assets plus other real estate owned to assets | 1.0898% | 2,786 |
| Noncurrent loans to loans | 3.2104% | 787 |
| Net loans and leases to total assets | 29.7111% | 6,261 |
| Net loans and leases to deposits | 39.9723% | 6,116 |
| Net loans and leases to core deposits | 39.9723% | 6,181 |
| Total domestic deposits to total assets | 74.3292% | 5,988 |
| Equity capital to assets | 25.4138% | 93 |
| Core capital (leverage) ratio | 25.4138% | 84 |
| Tier 1 risk-based capital ratio | 57.1561% | 101 |
| Total risk-based capital ratio | 58.0347% | 102 |
| Memoranda: | ||
| Average total assets | $9,925,250 | 6,575 |
| Average earning assets | $9,131,000 | 6,561 |
| Average equity | $2,492,000 | 6,429 |
| Average total loans | $3,040,750 | 6,540 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2357% | 5,897 |
| Cost of funding earning assets | 0.5247% | 2,590 |
| Net interest margin | 2.7110% | 6,042 |
| Noninterest income to average assets | 0.0601% | 6,413 |
| Noninterest expense to average assets | 3.0627% | 2,615 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.5205% | 6,442 |
| Return on assets (ROA) | -0.5205% | 6,442 |
| Pretax return on assets | -0.5205% | 6,428 |
| Return on Equity (ROE) | -2.0811% | 6,336 |
| Retained earnings to average equity (ytd only) | -2.0811% | 6,003 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.4724% | 141 |
| Assets per employee ($millions) | 3.2530% | 5,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2860% | 3,931 |
| Loan loss allowance to noncurrent loans | 82.6087% | 4,101 |
| Noncurrent assets plus other real estate owned to assets | 0.5943% | 4,196 |
| Noncurrent loans to loans | 1.5567% | 2,226 |
| Net loans and leases to total assets | 29.8904% | 6,311 |
| Net loans and leases to deposits | 40.2345% | 6,143 |
| Net loans and leases to core deposits | 40.2345% | 6,217 |
| Total domestic deposits to total assets | 74.2904% | 6,085 |
| Equity capital to assets | 25.4739% | 88 |
| Core capital (leverage) ratio | 25.4739% | 82 |
| Tier 1 risk-based capital ratio | 57.1757% | 102 |
| Total risk-based capital ratio | 58.0497% | 102 |
| Memoranda: | ||
| Average total assets | $9,991,330 | 6,641 |
| Average earning assets | $9,148,000 | 6,627 |
| Average equity | $2,498,670 | 6,485 |
| Average total loans | $3,078,330 | 6,605 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1367% | 6,076 |
| Cost of funding earning assets | 0.5228% | 2,680 |
| Net interest margin | 2.6140% | 6,220 |
| Noninterest income to average assets | 0.0396% | 6,512 |
| Noninterest expense to average assets | 2.9681% | 2,990 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.5540% | 6,493 |
| Return on assets (ROA) | -0.5540% | 6,490 |
| Pretax return on assets | -0.5540% | 6,474 |
| Return on Equity (ROE) | -2.2355% | 6,363 |
| Retained earnings to average equity (ytd only) | -2.2355% | 5,876 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.9508% | 156 |
| Assets per employee ($millions) | 3.4010% | 5,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2290% | 4,498 |
| Loan loss allowance to noncurrent loans | 76.0000% | 4,296 |
| Noncurrent assets plus other real estate owned to assets | 0.6077% | 4,316 |
| Noncurrent loans to loans | 1.6171% | 2,406 |
| Net loans and leases to total assets | 29.9324% | 6,358 |
| Net loans and leases to deposits | 39.7398% | 6,176 |
| Net loans and leases to core deposits | 39.7398% | 6,246 |
| Total domestic deposits to total assets | 75.3210% | 6,131 |
| Equity capital to assets | 24.4928% | 102 |
| Core capital (leverage) ratio | 24.4928% | 95 |
| Tier 1 risk-based capital ratio | 55.4225% | 107 |
| Total risk-based capital ratio | 56.2652% | 109 |
| Memoranda: | ||
| Average total assets | $10,107,500 | 6,712 |
| Average earning assets | $9,181,500 | 6,700 |
| Average equity | $2,505,000 | 6,541 |
| Average total loans | $3,140,000 | 6,677 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7695% | 4,911 |
| Cost of funding earning assets | 0.6301% | 2,385 |
| Net interest margin | 3.1393% | 5,197 |
| Noninterest income to average assets | 0.0597% | 6,518 |
| Noninterest expense to average assets | 3.0126% | 3,019 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.0994% | 6,300 |
| Return on assets (ROA) | -0.0994% | 6,319 |
| Pretax return on assets | -0.1790% | 6,338 |
| Return on Equity (ROE) | -0.3977% | 6,287 |
| Retained earnings to average equity (ytd only) | -0.3977% | 5,950 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.3158% | 332 |
| Assets per employee ($millions) | 3.3373% | 5,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1920% | 4,703 |
| Loan loss allowance to noncurrent loans | 140.7407% | 2,803 |
| Noncurrent assets plus other real estate owned to assets | 0.2697% | 5,451 |
| Noncurrent loans to loans | 0.8469% | 3,863 |
| Net loans and leases to total assets | 31.4622% | 6,415 |
| Net loans and leases to deposits | 42.1461% | 6,217 |
| Net loans and leases to core deposits | 42.1461% | 6,301 |
| Total domestic deposits to total assets | 74.6504% | 6,235 |
| Equity capital to assets | 25.0799% | 93 |
| Core capital (leverage) ratio | 25.0799% | 88 |
| Tier 1 risk-based capital ratio | 54.1981% | 110 |
| Total risk-based capital ratio | 55.0183% | 110 |
| Memoranda: | ||
| Average total assets | $10,057,800 | 6,795 |
| Average earning assets | $8,887,200 | 6,783 |
| Average equity | $2,514,600 | 6,625 |
| Average total loans | $3,231,400 | 6,761 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7963% | 4,867 |
| Cost of funding earning assets | 0.6503% | 2,356 |
| Net interest margin | 3.1459% | 5,159 |
| Noninterest income to average assets | 0.0529% | 6,625 |
| Noninterest expense to average assets | 2.8998% | 3,313 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.0927% | 6,376 |
| Return on assets (ROA) | -0.0927% | 6,413 |
| Pretax return on assets | -0.0927% | 6,392 |
| Return on Equity (ROE) | -0.3709% | 6,377 |
| Retained earnings to average equity (ytd only) | -0.3709% | 6,016 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.3019% | 373 |
| Assets per employee ($millions) | 3.3893% | 5,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1980% | 4,871 |
| Loan loss allowance to noncurrent loans | 64.4068% | 4,632 |
| Noncurrent assets plus other real estate owned to assets | 0.5803% | 4,705 |
| Noncurrent loans to loans | 1.8600% | 2,420 |
| Net loans and leases to total assets | 30.8222% | 6,503 |
| Net loans and leases to deposits | 41.0855% | 6,345 |
| Net loans and leases to core deposits | 41.0855% | 6,415 |
| Total domestic deposits to total assets | 75.0197% | 6,278 |
| Equity capital to assets | 24.7050% | 93 |
| Core capital (leverage) ratio | 24.7050% | 91 |
| Tier 1 risk-based capital ratio | 53.4923% | 116 |
| Total risk-based capital ratio | 54.3015% | 116 |
| Memoranda: | ||
| Average total assets | $10,069,250 | 6,874 |
| Average earning assets | $8,815,500 | 6,862 |
| Average equity | $2,515,500 | 6,702 |
| Average total loans | $3,242,250 | 6,838 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9259% | 4,376 |
| Cost of funding earning assets | 0.6619% | 2,388 |
| Net interest margin | 3.2640% | 4,715 |
| Noninterest income to average assets | 0.0399% | 6,697 |
| Noninterest expense to average assets | 2.9493% | 3,172 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.0598% | 6,364 |
| Return on assets (ROA) | -0.0598% | 6,413 |
| Pretax return on assets | -0.0598% | 6,403 |
| Return on Equity (ROE) | -0.2384% | 6,388 |
| Retained earnings to average equity (ytd only) | -0.2384% | 5,904 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.0690% | 425 |
| Assets per employee ($millions) | 3.3410% | 5,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1894% | 5,040 |
| Loan loss allowance to noncurrent loans | 271.4286% | 1,540 |
| Noncurrent assets plus other real estate owned to assets | 0.1397% | 6,074 |
| Noncurrent loans to loans | 0.4382% | 5,168 |
| Net loans and leases to total assets | 31.4976% | 6,529 |
| Net loans and leases to deposits | 42.1946% | 6,314 |
| Net loans and leases to core deposits | 42.1946% | 6,396 |
| Total domestic deposits to total assets | 74.6483% | 6,387 |
| Equity capital to assets | 25.1122% | 89 |
| Core capital (leverage) ratio | 24.8046% | 85 |
| Tier 1 risk-based capital ratio | 55.3420% | 106 |
| Total risk-based capital ratio | 56.1913% | 108 |
| Memoranda: | ||
| Average total assets | $10,036,330 | 6,924 |
| Average earning assets | $8,762,330 | 6,913 |
| Average equity | $2,516,670 | 6,747 |
| Average total loans | $3,265,670 | 6,885 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0663% | 3,862 |
| Cost of funding earning assets | 0.6931% | 2,280 |
| Net interest margin | 3.3732% | 4,218 |
| Noninterest income to average assets | 0.0000% | 6,849 |
| Noninterest expense to average assets | 3.0668% | 2,782 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.1593% | 6,490 |
| Return on assets (ROA) | -0.1593% | 6,534 |
| Pretax return on assets | -0.1593% | 6,524 |
| Return on Equity (ROE) | -0.6358% | 6,473 |
| Retained earnings to average equity (ytd only) | -0.6358% | 5,903 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.4795% | 404 |
| Assets per employee ($millions) | 3.4080% | 5,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1768% | 5,276 |
| Loan loss allowance to noncurrent loans | 76.0000% | 4,090 |
| Noncurrent assets plus other real estate owned to assets | 0.4890% | 5,155 |
| Noncurrent loans to loans | 1.5485% | 3,229 |
| Net loans and leases to total assets | 31.2109% | 6,553 |
| Net loans and leases to deposits | 41.5062% | 6,348 |
| Net loans and leases to core deposits | 41.5062% | 6,418 |
| Total domestic deposits to total assets | 75.1956% | 6,438 |
| Equity capital to assets | 24.5990% | 99 |
| Core capital (leverage) ratio | 24.4216% | 90 |
| Tier 1 risk-based capital ratio | 54.7232% | 112 |
| Total risk-based capital ratio | 55.5580% | 113 |
| Memoranda: | ||
| Average total assets | $10,043,000 | 7,001 |
| Average earning assets | $8,656,500 | 6,988 |
| Average equity | $2,516,500 | 6,809 |
| Average total loans | $3,301,000 | 6,960 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5824% | 3,067 |
| Cost of funding earning assets | 0.7926% | 2,725 |
| Net interest margin | 3.7898% | 3,274 |
| Noninterest income to average assets | 0.0734% | 6,610 |
| Noninterest expense to average assets | 3.1231% | 2,861 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.1572% | 5,873 |
| Return on assets (ROA) | 0.1572% | 6,036 |
| Pretax return on assets | 0.1572% | 6,057 |
| Return on Equity (ROE) | 0.5970% | 6,201 |
| Retained earnings to average equity (ytd only) | 0.5970% | 5,555 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2077% | 740 |
| Assets per employee ($millions) | 3.2873% | 5,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1266% | 5,450 |
| Loan loss allowance to noncurrent loans | 49.3506% | 5,164 |
| Noncurrent assets plus other real estate owned to assets | 0.7808% | 4,504 |
| Noncurrent loans to loans | 2.2828% | 2,373 |
| Net loans and leases to total assets | 33.8167% | 6,555 |
| Net loans and leases to deposits | 45.5850% | 6,276 |
| Net loans and leases to core deposits | 45.5850% | 6,394 |
| Total domestic deposits to total assets | 74.1837% | 6,511 |
| Equity capital to assets | 25.5323% | 93 |
| Core capital (leverage) ratio | 25.1376% | 94 |
| Tier 1 risk-based capital ratio | 54.0789% | 121 |
| Total risk-based capital ratio | 54.9123% | 122 |
| Memoranda: | ||
| Average total assets | $9,541,800 | 7,069 |
| Average earning assets | $8,074,400 | 7,062 |
| Average equity | $2,512,600 | 6,876 |
| Average total loans | $3,576,600 | 7,027 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5948% | 3,224 |
| Cost of funding earning assets | 0.8325% | 2,688 |
| Net interest margin | 3.7625% | 3,498 |
| Noninterest income to average assets | 0.0705% | 6,736 |
| Noninterest expense to average assets | 3.0579% | 3,029 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.1973% | 5,926 |
| Return on assets (ROA) | 0.1973% | 6,092 |
| Pretax return on assets | 0.1973% | 6,129 |
| Return on Equity (ROE) | 0.7435% | 6,294 |
| Retained earnings to average equity (ytd only) | 0.7435% | 5,856 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9394% | 779 |
| Assets per employee ($millions) | 3.1610% | 5,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0938% | 5,742 |
| Loan loss allowance to noncurrent loans | 64.4068% | 4,456 |
| Noncurrent assets plus other real estate owned to assets | 0.6222% | 5,115 |
| Noncurrent loans to loans | 1.6983% | 3,238 |
| Net loans and leases to total assets | 36.2333% | 6,536 |
| Net loans and leases to deposits | 49.5458% | 6,145 |
| Net loans and leases to core deposits | 49.5458% | 6,305 |
| Total domestic deposits to total assets | 73.1309% | 6,666 |
| Equity capital to assets | 26.5528% | 91 |
| Core capital (leverage) ratio | 26.2495% | 85 |
| Tier 1 risk-based capital ratio | 55.5332% | 112 |
| Total risk-based capital ratio | 56.3844% | 112 |
| Memoranda: | ||
| Average total assets | $9,461,750 | 7,166 |
| Average earning assets | $8,008,750 | 7,157 |
| Average equity | $2,511,250 | 6,967 |
| Average total loans | $3,627,500 | 7,120 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7232% | 2,832 |
| Cost of funding earning assets | 0.8542% | 2,764 |
| Net interest margin | 3.8690% | 3,047 |
| Noninterest income to average assets | 0.0635% | 6,812 |
| Noninterest expense to average assets | 3.0884% | 2,961 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2327% | 5,816 |
| Return on assets (ROA) | 0.2327% | 6,004 |
| Pretax return on assets | 0.2327% | 6,089 |
| Return on Equity (ROE) | 0.8768% | 6,321 |
| Retained earnings to average equity (ytd only) | 0.8768% | 5,719 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9936% | 867 |
| Assets per employee ($millions) | 3.1667% | 5,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0529% | 5,945 |
| Loan loss allowance to noncurrent loans | 71.6981% | 4,125 |
| Noncurrent assets plus other real estate owned to assets | 0.5579% | 5,363 |
| Noncurrent loans to loans | 1.4686% | 3,707 |
| Net loans and leases to total assets | 37.5895% | 6,513 |
| Net loans and leases to deposits | 51.3222% | 6,070 |
| Net loans and leases to core deposits | 51.3222% | 6,279 |
| Total domestic deposits to total assets | 73.2421% | 6,731 |
| Equity capital to assets | 26.4737% | 86 |
| Core capital (leverage) ratio | 26.2096% | 84 |
| Tier 1 risk-based capital ratio | 55.4042% | 111 |
| Total risk-based capital ratio | 56.2528% | 111 |
| Memoranda: | ||
| Average total assets | $9,454,670 | 7,227 |
| Average earning assets | $7,960,670 | 7,219 |
| Average equity | $2,509,000 | 7,013 |
| Average total loans | $3,678,670 | 7,182 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9680% | 2,003 |
| Cost of funding earning assets | 0.9219% | 2,502 |
| Net interest margin | 4.0461% | 2,313 |
| Noninterest income to average assets | 0.0424% | 6,964 |
| Noninterest expense to average assets | 3.2231% | 2,525 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1696% | 6,065 |
| Return on assets (ROA) | 0.1696% | 6,205 |
| Pretax return on assets | 0.1696% | 6,253 |
| Return on Equity (ROE) | 0.6385% | 6,414 |
| Retained earnings to average equity (ytd only) | 0.6385% | 5,804 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0000% | 770 |
| Assets per employee ($millions) | 3.1950% | 5,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0428% | 6,106 |
| Loan loss allowance to noncurrent loans | 50.0000% | 5,081 |
| Noncurrent assets plus other real estate owned to assets | 0.7929% | 4,961 |
| Noncurrent loans to loans | 2.0856% | 3,047 |
| Net loans and leases to total assets | 37.6213% | 6,519 |
| Net loans and leases to deposits | 51.1344% | 6,057 |
| Net loans and leases to core deposits | 51.1344% | 6,267 |
| Total domestic deposits to total assets | 73.5733% | 6,780 |
| Equity capital to assets | 26.1659% | 82 |
| Core capital (leverage) ratio | 25.6434% | 89 |
| Tier 1 risk-based capital ratio | 53.8258% | 114 |
| Total risk-based capital ratio | 54.6637% | 113 |
| Memoranda: | ||
| Average total assets | $9,432,000 | 7,290 |
| Average earning assets | $7,810,000 | 7,283 |
| Average equity | $2,506,000 | 7,065 |
| Average total loans | $3,713,500 | 7,239 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9649% | 3,053 |
| Cost of funding earning assets | 1.0992% | 2,679 |
| Net interest margin | 3.8657% | 3,488 |
| Noninterest income to average assets | 0.3630% | 4,911 |
| Noninterest expense to average assets | 3.2780% | 2,594 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.3630% | 5,020 |
| Return on assets (ROA) | 0.3630% | 5,187 |
| Pretax return on assets | 0.4271% | 5,211 |
| Return on Equity (ROE) | 1.3647% | 5,871 |
| Retained earnings to average equity (ytd only) | 1.3647% | 5,209 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4726% | 1,320 |
| Assets per employee ($millions) | 3.0930% | 5,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0045% | 6,202 |
| Loan loss allowance to noncurrent loans | 30.1587% | 6,189 |
| Noncurrent assets plus other real estate owned to assets | 1.3579% | 3,971 |
| Noncurrent loans to loans | 3.3307% | 1,945 |
| Net loans and leases to total assets | 40.3600% | 6,521 |
| Net loans and leases to deposits | 55.5391% | 5,925 |
| Net loans and leases to core deposits | 55.5391% | 6,185 |
| Total domestic deposits to total assets | 72.6695% | 6,836 |
| Equity capital to assets | 26.9857% | 82 |
| Core capital (leverage) ratio | 26.9935% | 83 |
| Tier 1 risk-based capital ratio | 76.5587% | 59 |
| Total risk-based capital ratio | 77.7200% | 59 |
| Memoranda: | ||
| Average total assets | $9,365,400 | 7,338 |
| Average earning assets | $8,096,800 | 7,330 |
| Average equity | $2,491,400 | 7,123 |
| Average total loans | $4,060,600 | 7,284 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0650% | 2,778 |
| Cost of funding earning assets | 1.1437% | 2,674 |
| Net interest margin | 3.9213% | 3,270 |
| Noninterest income to average assets | 0.4972% | 3,890 |
| Noninterest expense to average assets | 3.2384% | 2,705 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.6676% | 3,784 |
| Return on assets (ROA) | 0.6676% | 3,955 |
| Pretax return on assets | 0.6676% | 4,586 |
| Return on Equity (ROE) | 2.5186% | 5,616 |
| Retained earnings to average equity (ytd only) | 2.5186% | 4,856 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9091% | 1,857 |
| Assets per employee ($millions) | 3.1453% | 5,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9945% | 6,302 |
| Loan loss allowance to noncurrent loans | 45.7831% | 5,267 |
| Noncurrent assets plus other real estate owned to assets | 0.8796% | 4,981 |
| Noncurrent loans to loans | 2.1722% | 3,153 |
| Net loans and leases to total assets | 40.0911% | 6,621 |
| Net loans and leases to deposits | 54.9615% | 6,125 |
| Net loans and leases to core deposits | 54.9615% | 6,395 |
| Total domestic deposits to total assets | 72.9440% | 6,861 |
| Equity capital to assets | 26.6850% | 98 |
| Core capital (leverage) ratio | 26.6928% | 92 |
| Tier 1 risk-based capital ratio | 75.5322% | 71 |
| Total risk-based capital ratio | 76.6717% | 71 |
| Memoranda: | ||
| Average total assets | $9,387,000 | 7,416 |
| Average earning assets | $8,160,250 | 7,407 |
| Average equity | $2,488,250 | 7,190 |
| Average total loans | $4,130,000 | 7,356 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1572% | 2,436 |
| Cost of funding earning assets | 1.1864% | 2,668 |
| Net interest margin | 3.9708% | 2,988 |
| Noninterest income to average assets | 0.2988% | 5,498 |
| Noninterest expense to average assets | 3.3295% | 2,463 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4696% | 4,646 |
| Return on assets (ROA) | 0.4696% | 4,783 |
| Pretax return on assets | 0.4696% | 5,172 |
| Return on Equity (ROE) | 1.7754% | 5,871 |
| Retained earnings to average equity (ytd only) | 1.7754% | 5,107 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6404% | 1,453 |
| Assets per employee ($millions) | 3.1083% | 5,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9154% | 6,613 |
| Loan loss allowance to noncurrent loans | 48.1013% | 5,125 |
| Noncurrent assets plus other real estate owned to assets | 1.1475% | 4,592 |
| Noncurrent loans to loans | 1.9032% | 3,605 |
| Net loans and leases to total assets | 44.1072% | 6,428 |
| Net loans and leases to deposits | 60.4942% | 5,674 |
| Net loans and leases to core deposits | 60.4942% | 6,050 |
| Total domestic deposits to total assets | 72.9115% | 6,933 |
| Equity capital to assets | 26.7346% | 106 |
| Core capital (leverage) ratio | 26.7424% | 101 |
| Tier 1 risk-based capital ratio | 72.6055% | 78 |
| Total risk-based capital ratio | 73.7118% | 76 |
| Memoranda: | ||
| Average total assets | $9,370,670 | 7,492 |
| Average earning assets | $8,260,330 | 7,482 |
| Average equity | $2,478,330 | 7,250 |
| Average total loans | $4,233,000 | 7,429 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2120% | 2,179 |
| Cost of funding earning assets | 1.2548% | 2,470 |
| Net interest margin | 3.9573% | 2,883 |
| Noninterest income to average assets | 0.1703% | 6,506 |
| Noninterest expense to average assets | 3.6195% | 1,726 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.0426% | 6,248 |
| Return on assets (ROA) | 0.0426% | 6,288 |
| Pretax return on assets | 0.0426% | 6,279 |
| Return on Equity (ROE) | 0.1619% | 6,352 |
| Retained earnings to average equity (ytd only) | 0.1619% | 5,743 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.8372% | 796 |
| Assets per employee ($millions) | 3.2253% | 5,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8992% | 6,700 |
| Loan loss allowance to noncurrent loans | 36.8932% | 5,838 |
| Noncurrent assets plus other real estate owned to assets | 1.3539% | 4,265 |
| Noncurrent loans to loans | 2.4373% | 3,054 |
| Net loans and leases to total assets | 43.2823% | 6,522 |
| Net loans and leases to deposits | 58.3612% | 5,892 |
| Net loans and leases to core deposits | 58.3612% | 6,223 |
| Total domestic deposits to total assets | 74.1629% | 6,883 |
| Equity capital to assets | 25.5374% | 112 |
| Core capital (leverage) ratio | 25.5451% | 108 |
| Tier 1 risk-based capital ratio | 70.9937% | 78 |
| Total risk-based capital ratio | 72.0850% | 77 |
| Memoranda: | ||
| Average total assets | $9,393,500 | 7,548 |
| Average earning assets | $8,288,500 | 7,539 |
| Average equity | $2,471,000 | 7,301 |
| Average total loans | $4,274,000 | 7,488 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3872% | 2,736 |
| Cost of funding earning assets | 1.4595% | 2,895 |
| Net interest margin | 3.9277% | 3,359 |
| Noninterest income to average assets | 0.1606% | 6,569 |
| Noninterest expense to average assets | 4.9129% | 452 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | -0.8777% | 6,619 |
| Return on assets (ROA) | -0.8777% | 6,644 |
| Pretax return on assets | -1.2095% | 6,744 |
| Return on Equity (ROE) | -3.2362% | 6,297 |
| Retained earnings to average equity (ytd only) | -3.2362% | 6,123 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.6590% | 295 |
| Assets per employee ($millions) | 3.0370% | 6,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8792% | 6,772 |
| Loan loss allowance to noncurrent loans | 47.5000% | 5,140 |
| Noncurrent assets plus other real estate owned to assets | 1.1854% | 4,644 |
| Noncurrent loans to loans | 1.8510% | 3,753 |
| Net loans and leases to total assets | 47.0201% | 6,475 |
| Net loans and leases to deposits | 64.8698% | 5,529 |
| Net loans and leases to core deposits | 64.8698% | 5,991 |
| Total domestic deposits to total assets | 72.4838% | 7,043 |
| Equity capital to assets | 27.1211% | 98 |
| Core capital (leverage) ratio | 27.1291% | 104 |
| Tier 1 risk-based capital ratio | 73.0281% | 73 |
| Total risk-based capital ratio | 74.1507% | 72 |
| Memoranda: | ||
| Average total assets | $9,342,800 | 7,631 |
| Average earning assets | $8,427,400 | 7,619 |
| Average equity | $2,533,800 | 7,389 |
| Average total loans | $4,603,800 | 7,565 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3625% | 3,063 |
| Cost of funding earning assets | 1.5142% | 2,886 |
| Net interest margin | 3.8485% | 3,757 |
| Noninterest income to average assets | 0.1418% | 6,845 |
| Noninterest expense to average assets | 3.7301% | 1,511 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | -0.1276% | 6,215 |
| Return on assets (ROA) | -0.1276% | 6,303 |
| Pretax return on assets | -0.1276% | 6,256 |
| Return on Equity (ROE) | -0.4707% | 6,208 |
| Retained earnings to average equity (ytd only) | -0.4707% | 5,907 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.5433% | 645 |
| Assets per employee ($millions) | 3.1767% | 5,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8435% | 6,907 |
| Loan loss allowance to noncurrent loans | 38.7755% | 5,725 |
| Noncurrent assets plus other real estate owned to assets | 2.3190% | 3,062 |
| Noncurrent loans to loans | 2.1754% | 3,475 |
| Net loans and leases to total assets | 46.8730% | 6,628 |
| Net loans and leases to deposits | 64.2826% | 5,879 |
| Net loans and leases to core deposits | 64.2826% | 6,277 |
| Total domestic deposits to total assets | 72.9171% | 7,039 |
| Equity capital to assets | 26.6842% | 116 |
| Core capital (leverage) ratio | 26.6765% | 109 |
| Tier 1 risk-based capital ratio | 72.6909% | 75 |
| Total risk-based capital ratio | 73.7775% | 74 |
| Memoranda: | ||
| Average total assets | $9,400,750 | 7,731 |
| Average earning assets | $8,453,500 | 7,718 |
| Average equity | $2,549,500 | 7,480 |
| Average total loans | $4,674,250 | 7,661 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4417% | 2,795 |
| Cost of funding earning assets | 1.5991% | 2,660 |
| Net interest margin | 3.8426% | 3,702 |
| Noninterest income to average assets | 0.1710% | 6,683 |
| Noninterest expense to average assets | 3.6761% | 1,605 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -0.0641% | 6,178 |
| Return on assets (ROA) | -0.0641% | 6,266 |
| Pretax return on assets | -0.0641% | 6,213 |
| Return on Equity (ROE) | -0.2351% | 6,210 |
| Retained earnings to average equity (ytd only) | -0.2351% | 5,781 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.7751% | 742 |
| Assets per employee ($millions) | 3.1713% | 5,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8328% | 6,955 |
| Loan loss allowance to noncurrent loans | 34.5455% | 6,064 |
| Noncurrent assets plus other real estate owned to assets | 2.4490% | 2,938 |
| Noncurrent loans to loans | 2.4107% | 3,238 |
| Net loans and leases to total assets | 47.5615% | 6,654 |
| Net loans and leases to deposits | 65.2864% | 5,892 |
| Net loans and leases to core deposits | 65.2864% | 6,290 |
| Total domestic deposits to total assets | 72.8505% | 7,111 |
| Equity capital to assets | 26.7921% | 114 |
| Core capital (leverage) ratio | 26.7998% | 111 |
| Tier 1 risk-based capital ratio | 61.6389% | 103 |
| Total risk-based capital ratio | 62.5574% | 102 |
| Memoranda: | ||
| Average total assets | $9,357,670 | 7,798 |
| Average earning assets | $8,379,670 | 7,787 |
| Average equity | $2,551,670 | 7,536 |
| Average total loans | $4,730,670 | 7,729 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6472% | 1,968 |
| Cost of funding earning assets | 1.7039% | 2,374 |
| Net interest margin | 3.9433% | 3,136 |
| Noninterest income to average assets | 0.2586% | 6,082 |
| Noninterest expense to average assets | 3.7502% | 1,415 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.0000% | 6,281 |
| Return on assets (ROA) | 0.0000% | 6,392 |
| Pretax return on assets | 0.0000% | 6,350 |
| Return on Equity (ROE) | 0.0000% | 6,399 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,816 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 837 |
| Assets per employee ($millions) | 3.1817% | 5,804 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8056% | 7,114 |
| Loan loss allowance to noncurrent loans | 77.5510% | 3,510 |
| Noncurrent assets plus other real estate owned to assets | 1.8020% | 3,784 |
| Noncurrent loans to loans | 1.0388% | 5,257 |
| Net loans and leases to total assets | 49.0204% | 6,577 |
| Net loans and leases to deposits | 67.1980% | 5,685 |
| Net loans and leases to core deposits | 67.1980% | 6,184 |
| Total domestic deposits to total assets | 72.9492% | 7,167 |
| Equity capital to assets | 26.7470% | 117 |
| Core capital (leverage) ratio | 26.7393% | 111 |
| Tier 1 risk-based capital ratio | 73.8640% | 72 |
| Total risk-based capital ratio | 74.9638% | 72 |
| Memoranda: | ||
| Average total assets | $9,279,500 | 7,901 |
| Average earning assets | $8,216,500 | 7,890 |
| Average equity | $2,553,000 | 7,614 |
| Average total loans | $4,814,500 | 7,827 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0279% | 1,758 |
| Cost of funding earning assets | 1.8577% | 3,689 |
| Net interest margin | 4.1702% | 2,178 |
| Noninterest income to average assets | 0.1022% | 7,256 |
| Noninterest expense to average assets | 4.1108% | 1,210 |
| Loan and lease loss provision to assets | 0.0908% | 6,695 |
| Net operating income to assets | -0.2953% | 5,965 |
| Return on assets (ROA) | -0.2953% | 5,965 |
| Pretax return on assets | -0.3520% | 5,879 |
| Return on Equity (ROE) | -1.0133% | 5,694 |
| Retained earnings to average equity (ytd only) | -1.0133% | 5,261 |
| Net charge-offs to loans | 0.1264% | 5,928 |
| Credit loss provision to net charge-offs | 133.3333% | 3,740 |
| Earnings coverage of net charge-offs (x) | -3.8333% | 7,080 |
| Efficiency ratio | 106.7847% | 886 |
| Assets per employee ($millions) | 2.2535% | 7,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7736% | 7,200 |
| Loan loss allowance to noncurrent loans | 76.0000% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 1.9303% | 3,485 |
| Noncurrent loans to loans | 1.0179% | 5,278 |
| Net loans and leases to total assets | 54.0714% | 6,192 |
| Net loans and leases to deposits | 75.8599% | 4,765 |
| Net loans and leases to core deposits | 81.5323% | 5,952 |
| Total domestic deposits to total assets | 71.2780% | 7,309 |
| Equity capital to assets | 28.3226% | 116 |
| Core capital (leverage) ratio | 28.3147% | 115 |
| Tier 1 risk-based capital ratio | 67.9085% | 92 |
| Total risk-based capital ratio | 68.9196% | 92 |
| Memoranda: | ||
| Average total assets | $8,806,000 | 7,982 |
| Average earning assets | $7,913,200 | 7,970 |
| Average equity | $2,565,800 | 7,711 |
| Average total loans | $4,745,200 | 7,901 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0004% | 2,041 |
| Cost of funding earning assets | 1.8984% | 3,898 |
| Net interest margin | 4.1020% | 2,386 |
| Noninterest income to average assets | 0.2437% | 6,491 |
| Noninterest expense to average assets | 4.1732% | 1,061 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | -0.2437% | 6,133 |
| Return on assets (ROA) | -0.2437% | 6,137 |
| Pretax return on assets | -0.2437% | 6,038 |
| Return on Equity (ROE) | -0.8303% | 5,908 |
| Retained earnings to average equity (ytd only) | -0.8303% | 5,449 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.2016% | 850 |
| Assets per employee ($millions) | 2.1993% | 7,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7740% | 7,198 |
| Loan loss allowance to noncurrent loans | 24.8276% | 6,793 |
| Noncurrent assets plus other real estate owned to assets | 3.1261% | 2,189 |
| Noncurrent loans to loans | 3.1176% | 2,420 |
| Net loans and leases to total assets | 52.4611% | 6,564 |
| Net loans and leases to deposits | 74.5437% | 5,287 |
| Net loans and leases to core deposits | 80.3167% | 6,326 |
| Total domestic deposits to total assets | 70.3763% | 7,388 |
| Equity capital to assets | 29.1349% | 127 |
| Core capital (leverage) ratio | 29.1269% | 127 |
| Tier 1 risk-based capital ratio | 71.5642% | 87 |
| Total risk-based capital ratio | 72.5698% | 86 |
| Memoranda: | ||
| Average total assets | $8,754,000 | 8,070 |
| Average earning assets | $7,866,000 | 8,059 |
| Average equity | $2,569,000 | 7,787 |
| Average total loans | $4,703,500 | 7,976 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1745% | 1,545 |
| Cost of funding earning assets | 1.9471% | 4,023 |
| Net interest margin | 4.2273% | 1,888 |
| Noninterest income to average assets | 0.2746% | 6,302 |
| Noninterest expense to average assets | 4.2107% | 1,058 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.1602% | 6,119 |
| Return on assets (ROA) | -0.1602% | 6,146 |
| Pretax return on assets | -0.1602% | 6,072 |
| Return on Equity (ROE) | -0.5445% | 6,007 |
| Retained earnings to average equity (ytd only) | -0.5445% | 5,361 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.9548% | 1,034 |
| Assets per employee ($millions) | 2.2193% | 7,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7848% | 7,201 |
| Loan loss allowance to noncurrent loans | 69.2308% | 3,970 |
| Noncurrent assets plus other real estate owned to assets | 2.0502% | 3,130 |
| Noncurrent loans to loans | 1.1336% | 4,950 |
| Net loans and leases to total assets | 51.2673% | 6,758 |
| Net loans and leases to deposits | 72.6417% | 5,648 |
| Net loans and leases to core deposits | 78.1556% | 6,537 |
| Total domestic deposits to total assets | 70.5756% | 7,411 |
| Equity capital to assets | 28.9512% | 146 |
| Core capital (leverage) ratio | 28.9512% | 149 |
| Tier 1 risk-based capital ratio | 71.7276% | 99 |
| Total risk-based capital ratio | 72.7323% | 97 |
| Memoranda: | ||
| Average total assets | $8,739,670 | 8,165 |
| Average earning assets | $7,806,330 | 8,148 |
| Average equity | $2,571,000 | 7,868 |
| Average total loans | $4,721,000 | 8,066 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2540% | 1,430 |
| Cost of funding earning assets | 1.9480% | 4,385 |
| Net interest margin | 4.3060% | 1,584 |
| Noninterest income to average assets | 0.2768% | 6,207 |
| Noninterest expense to average assets | 4.4747% | 728 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.3229% | 6,703 |
| Return on assets (ROA) | -0.3229% | 6,782 |
| Pretax return on assets | -0.3229% | 6,692 |
| Return on Equity (ROE) | -1.0889% | 6,554 |
| Retained earnings to average equity (ytd only) | -1.0889% | 5,910 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.7778% | 868 |
| Assets per employee ($millions) | 2.2218% | 7,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7525% | 7,303 |
| Loan loss allowance to noncurrent loans | 18.0000% | 7,264 |
| Noncurrent assets plus other real estate owned to assets | 2.4080% | 2,382 |
| Noncurrent loans to loans | 4.1806% | 1,420 |
| Net loans and leases to total assets | 53.4264% | 6,534 |
| Net loans and leases to deposits | 75.5931% | 5,278 |
| Net loans and leases to core deposits | 82.2734% | 6,218 |
| Total domestic deposits to total assets | 70.6763% | 7,367 |
| Equity capital to assets | 28.8961% | 157 |
| Core capital (leverage) ratio | 28.8961% | 167 |
| Tier 1 risk-based capital ratio | 71.3532% | 105 |
| Total risk-based capital ratio | 72.3534% | 105 |
| Memoranda: | ||
| Average total assets | $8,671,000 | 8,213 |
| Average earning assets | $7,803,000 | 8,198 |
| Average equity | $2,571,500 | 7,918 |
| Average total loans | $4,788,000 | 8,115 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2483% | 4,252 |
| Cost of funding earning assets | 2.3247% | 5,039 |
| Net interest margin | 3.9236% | 3,465 |
| Noninterest income to average assets | 0.2653% | 6,560 |
| Noninterest expense to average assets | 4.1414% | 1,215 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -0.1500% | 6,559 |
| Return on assets (ROA) | -0.1500% | 6,406 |
| Pretax return on assets | -0.1961% | 6,367 |
| Return on Equity (ROE) | -0.5019% | 6,298 |
| Retained earnings to average equity (ytd only) | -0.5019% | 5,437 |
| Net charge-offs to loans | 0.4561% | 2,553 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | -0.7083% | 6,546 |
| Efficiency ratio | 104.9708% | 838 |
| Assets per employee ($millions) | 2.1138% | 7,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7513% | 7,279 |
| Loan loss allowance to noncurrent loans | 16.2896% | 7,356 |
| Noncurrent assets plus other real estate owned to assets | 2.7321% | 1,732 |
| Noncurrent loans to loans | 4.6119% | 1,026 |
| Net loans and leases to total assets | 56.2507% | 6,405 |
| Net loans and leases to deposits | 81.5641% | 4,781 |
| Net loans and leases to core deposits | 88.1884% | 5,956 |
| Total domestic deposits to total assets | 68.9651% | 7,388 |
| Equity capital to assets | 30.4554% | 172 |
| Core capital (leverage) ratio | 30.4636% | 180 |
| Tier 1 risk-based capital ratio | 68.6201% | 124 |
| Total risk-based capital ratio | 69.5791% | 123 |
| Memoranda: | ||
| Average total assets | $8,668,600 | 8,268 |
| Average earning assets | $8,130,200 | 8,246 |
| Average equity | $2,590,000 | 7,951 |
| Average total loans | $5,262,200 | 8,149 |