Home > Movement Bank > Performance and Condition Ratios
Movement Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8269% | 2,423 |
| Cost of funding earning assets | 1.7726% | 1,301 |
| Net interest margin | 3.0543% | 3,174 |
| Noninterest income to average assets | 1.5000% | 386 |
| Noninterest expense to average assets | 6.1127% | 172 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | -1.2317% | 4,540 |
| Return on assets (ROA) | -1.2317% | 4,533 |
| Pretax return on assets | -1.7308% | 4,551 |
| Return on Equity (ROE) | -10.6400% | 4,507 |
| Retained earnings to average equity (ytd only) | -10.6368% | 4,471 |
| Net charge-offs to loans | 0.0844% | 1,016 |
| Credit loss provision to net charge-offs | -15.5556% | 4,429 |
| Earnings coverage of net charge-offs (x) | -28.3111% | 4,570 |
| Efficiency ratio | 139.5652% | 54 |
| Assets per employee ($millions) | 2.9532% | 4,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8034% | 3,952 |
| Loan loss allowance to noncurrent loans | 767.2269% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 0.0790% | 3,016 |
| Noncurrent loans to loans | 0.1047% | 3,016 |
| Net loans and leases to total assets | 74.8500% | 1,256 |
| Net loans and leases to deposits | 86.5319% | 1,580 |
| Net loans and leases to core deposits | 92.9610% | 1,848 |
| Total domestic deposits to total assets | 86.5000% | 1,861 |
| Equity capital to assets | 10.8485% | 1,563 |
| Core capital (leverage) ratio | 11.2032% | 1,824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3665% | 1,733 |
| Memoranda: | ||
| Average total assets | $147,037,800 | 3,392 |
| Average earning assets | $138,723,200 | 3,359 |
| Average equity | $17,025,800 | 3,092 |
| Average total loans | $106,576,800 | 3,114 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7220% | 2,428 |
| Cost of funding earning assets | 1.6471% | 1,287 |
| Net interest margin | 3.0749% | 3,189 |
| Noninterest income to average assets | 1.6600% | 352 |
| Noninterest expense to average assets | 6.2357% | 173 |
| Loan and lease loss provision to assets | -0.0100% | 4,305 |
| Net operating income to assets | -1.1395% | 4,575 |
| Return on assets (ROA) | -1.1395% | 4,570 |
| Pretax return on assets | -1.6632% | 4,579 |
| Return on Equity (ROE) | -9.6800% | 4,541 |
| Retained earnings to average equity (ytd only) | -9.6833% | 4,503 |
| Net charge-offs to loans | 0.2137% | 409 |
| Credit loss provision to net charge-offs | -4.1667% | 4,463 |
| Earnings coverage of net charge-offs (x) | -10.8869% | 4,600 |
| Efficiency ratio | 136.5362% | 56 |
| Assets per employee ($millions) | 2.8730% | 4,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8142% | 3,955 |
| Loan loss allowance to noncurrent loans | 720.5128% | 1,110 |
| Noncurrent assets plus other real estate owned to assets | 0.0783% | 3,072 |
| Noncurrent loans to loans | 0.1130% | 3,012 |
| Net loans and leases to total assets | 68.7400% | 1,971 |
| Net loans and leases to deposits | 78.1416% | 2,236 |
| Net loans and leases to core deposits | 83.1417% | 2,384 |
| Total domestic deposits to total assets | 87.9700% | 1,583 |
| Equity capital to assets | 10.8960% | 1,387 |
| Core capital (leverage) ratio | 12.1324% | 1,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4152% | 1,220 |
| Memoranda: | ||
| Average total assets | $146,144,500 | 3,407 |
| Average earning assets | $138,017,000 | 3,373 |
| Average equity | $17,197,500 | 3,068 |
| Average total loans | $104,809,750 | 3,126 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7313% | 2,144 |
| Cost of funding earning assets | 1.5358% | 1,181 |
| Net interest margin | 3.1955% | 3,004 |
| Noninterest income to average assets | 1.7200% | 286 |
| Noninterest expense to average assets | 6.7833% | 151 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | -1.3663% | 4,614 |
| Return on assets (ROA) | -1.3663% | 4,610 |
| Pretax return on assets | -2.0571% | 4,621 |
| Return on Equity (ROE) | -11.3200% | 4,587 |
| Retained earnings to average equity (ytd only) | -11.3231% | 4,532 |
| Net charge-offs to loans | 0.2015% | 398 |
| Credit loss provision to net charge-offs | 5.6604% | 1,807 |
| Earnings coverage of net charge-offs (x) | -13.9623% | 4,638 |
| Efficiency ratio | 143.0233% | 43 |
| Assets per employee ($millions) | 2.7825% | 4,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8681% | 3,862 |
| Loan loss allowance to noncurrent loans | 485.1852% | 1,587 |
| Noncurrent assets plus other real estate owned to assets | 0.1332% | 2,617 |
| Noncurrent loans to loans | 0.1789% | 2,582 |
| Net loans and leases to total assets | 73.7900% | 1,319 |
| Net loans and leases to deposits | 85.0576% | 1,580 |
| Net loans and leases to core deposits | 89.4054% | 1,837 |
| Total domestic deposits to total assets | 86.7500% | 2,010 |
| Equity capital to assets | 12.0246% | 1,040 |
| Core capital (leverage) ratio | 12.0293% | 1,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7907% | 1,157 |
| Memoranda: | ||
| Average total assets | $145,061,333 | 3,425 |
| Average earning assets | $137,255,333 | 3,393 |
| Average equity | $17,504,000 | 3,062 |
| Average total loans | $105,232,000 | 3,117 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5943% | 2,096 |
| Cost of funding earning assets | 1.4816% | 875 |
| Net interest margin | 3.1128% | 3,323 |
| Noninterest income to average assets | 1.3900% | 356 |
| Noninterest expense to average assets | 7.6297% | 138 |
| Loan and lease loss provision to assets | -0.0600% | 4,531 |
| Net operating income to assets | -2.0486% | 4,651 |
| Return on assets (ROA) | -2.0486% | 4,645 |
| Pretax return on assets | -3.2270% | 4,654 |
| Return on Equity (ROE) | -16.9500% | 4,626 |
| Retained earnings to average equity (ytd only) | -16.9488% | 4,567 |
| Net charge-offs to loans | -0.0114% | 3,891 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 175.6910% | 30 |
| Assets per employee ($millions) | 3.0900% | 4,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9553% | 3,698 |
| Loan loss allowance to noncurrent loans | 229.4253% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 0.2995% | 1,664 |
| Noncurrent loans to loans | 0.4164% | 1,683 |
| Net loans and leases to total assets | 71.2500% | 1,495 |
| Net loans and leases to deposits | 82.0543% | 1,651 |
| Net loans and leases to core deposits | 85.7204% | 1,882 |
| Total domestic deposits to total assets | 86.8300% | 2,328 |
| Equity capital to assets | 12.0273% | 988 |
| Core capital (leverage) ratio | 12.2879% | 1,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4804% | 1,073 |
| Memoranda: | ||
| Average total assets | $146,637,500 | 3,455 |
| Average earning assets | $139,040,500 | 3,418 |
| Average equity | $17,724,000 | 3,063 |
| Average total loans | $105,031,000 | 3,147 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9454% | 1,873 |
| Cost of funding earning assets | 0.4753% | 1,548 |
| Net interest margin | 3.4701% | 2,034 |
| Noninterest income to average assets | 2.2400% | 213 |
| Noninterest expense to average assets | 5.4950% | 187 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.0515% | 4,537 |
| Return on assets (ROA) | 0.0515% | 4,525 |
| Pretax return on assets | 0.0667% | 4,517 |
| Return on Equity (ROE) | 0.3800% | 4,526 |
| Retained earnings to average equity (ytd only) | 0.3794% | 4,288 |
| Net charge-offs to loans | -0.0331% | 4,225 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 98.7999% | 160 |
| Assets per employee ($millions) | 3.0843% | 4,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9015% | 3,766 |
| Loan loss allowance to noncurrent loans | 215.8730% | 2,582 |
| Noncurrent assets plus other real estate owned to assets | 0.2979% | 1,663 |
| Noncurrent loans to loans | 0.4176% | 1,678 |
| Net loans and leases to total assets | 70.6800% | 1,563 |
| Net loans and leases to deposits | 81.4769% | 1,658 |
| Net loans and leases to core deposits | 84.4455% | 1,850 |
| Total domestic deposits to total assets | 86.7500% | 2,473 |
| Equity capital to assets | 12.1455% | 892 |
| Core capital (leverage) ratio | 13.1247% | 909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2984% | 934 |
| Memoranda: | ||
| Average total assets | $137,835,600 | 3,555 |
| Average earning assets | $131,925,200 | 3,506 |
| Average equity | $18,711,600 | 3,062 |
| Average total loans | $90,723,800 | 3,282 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6855% | 2,081 |
| Cost of funding earning assets | 0.2436% | 2,774 |
| Net interest margin | 3.4419% | 1,836 |
| Noninterest income to average assets | 2.5200% | 210 |
| Noninterest expense to average assets | 5.6828% | 177 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.1055% | 4,541 |
| Return on assets (ROA) | 0.1055% | 4,511 |
| Pretax return on assets | 0.1360% | 4,500 |
| Return on Equity (ROE) | 0.7600% | 4,517 |
| Retained earnings to average equity (ytd only) | 0.7551% | 4,254 |
| Net charge-offs to loans | -0.0245% | 4,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 97.6626% | 185 |
| Assets per employee ($millions) | 3.3075% | 4,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9312% | 3,765 |
| Loan loss allowance to noncurrent loans | 157.6471% | 2,967 |
| Noncurrent assets plus other real estate owned to assets | 0.4089% | 1,327 |
| Noncurrent loans to loans | 0.5907% | 1,366 |
| Net loans and leases to total assets | 68.5700% | 1,609 |
| Net loans and leases to deposits | 78.7673% | 1,658 |
| Net loans and leases to core deposits | 81.4939% | 1,799 |
| Total domestic deposits to total assets | 87.0600% | 2,741 |
| Equity capital to assets | 12.3336% | 810 |
| Core capital (leverage) ratio | 13.0381% | 899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3403% | 814 |
| Memoranda: | ||
| Average total assets | $135,282,750 | 3,605 |
| Average earning assets | $129,731,000 | 3,552 |
| Average equity | $18,894,250 | 3,082 |
| Average total loans | $87,005,750 | 3,333 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3756% | 2,502 |
| Cost of funding earning assets | 0.1295% | 3,845 |
| Net interest margin | 3.2462% | 2,064 |
| Noninterest income to average assets | 3.0379% | 151 |
| Noninterest expense to average assets | 6.0364% | 126 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.0925% | 4,519 |
| Return on assets (ROA) | 0.0925% | 4,485 |
| Pretax return on assets | 0.1198% | 4,473 |
| Return on Equity (ROE) | 0.6351% | 4,502 |
| Retained earnings to average equity (ytd only) | 0.6351% | 4,069 |
| Net charge-offs to loans | -0.0267% | 4,002 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.0537% | 216 |
| Assets per employee ($millions) | 3.0469% | 4,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0212% | 3,511 |
| Loan loss allowance to noncurrent loans | 169.3285% | 2,876 |
| Noncurrent assets plus other real estate owned to assets | 0.3931% | 1,435 |
| Noncurrent loans to loans | 0.6031% | 1,402 |
| Net loans and leases to total assets | 64.5217% | 1,849 |
| Net loans and leases to deposits | 74.9911% | 1,760 |
| Net loans and leases to core deposits | 77.5539% | 1,886 |
| Total domestic deposits to total assets | 86.0391% | 3,236 |
| Equity capital to assets | 13.1939% | 632 |
| Core capital (leverage) ratio | 13.7383% | 676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3602% | 671 |
| Memoranda: | ||
| Average total assets | $131,867,333 | 3,683 |
| Average earning assets | $126,673,000 | 3,637 |
| Average equity | $19,209,333 | 3,132 |
| Average total loans | $82,430,000 | 3,420 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1010% | 2,982 |
| Cost of funding earning assets | 0.0944% | 4,207 |
| Net interest margin | 3.0066% | 2,479 |
| Noninterest income to average assets | 3.2038% | 150 |
| Noninterest expense to average assets | 6.1571% | 114 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.0595% | 4,575 |
| Return on assets (ROA) | -0.0595% | 4,558 |
| Pretax return on assets | -0.0595% | 4,548 |
| Return on Equity (ROE) | -0.3884% | 4,553 |
| Retained earnings to average equity (ytd only) | -0.3884% | 4,069 |
| Net charge-offs to loans | -0.0359% | 4,151 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.9759% | 227 |
| Assets per employee ($millions) | 3.0181% | 4,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1393% | 3,158 |
| Loan loss allowance to noncurrent loans | 200.6479% | 2,603 |
| Noncurrent assets plus other real estate owned to assets | 0.3335% | 1,774 |
| Noncurrent loans to loans | 0.5678% | 1,620 |
| Net loans and leases to total assets | 58.0657% | 2,288 |
| Net loans and leases to deposits | 67.8149% | 2,175 |
| Net loans and leases to core deposits | 70.3373% | 2,262 |
| Total domestic deposits to total assets | 85.6238% | 3,372 |
| Equity capital to assets | 13.7214% | 568 |
| Core capital (leverage) ratio | 16.7287% | 297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9097% | 438 |
| Memoranda: | ||
| Average total assets | $127,723,000 | 3,738 |
| Average earning assets | $122,929,000 | 3,684 |
| Average equity | $19,568,000 | 3,178 |
| Average total loans | $77,963,000 | 3,490 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3736% | 2,996 |
| Cost of funding earning assets | 0.1007% | 4,380 |
| Net interest margin | 3.2729% | 2,398 |
| Noninterest income to average assets | 6.1485% | 94 |
| Noninterest expense to average assets | 8.5688% | 88 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7538% | 3,479 |
| Return on assets (ROA) | 0.8293% | 3,315 |
| Pretax return on assets | 0.8293% | 3,669 |
| Return on Equity (ROE) | 4.6058% | 4,085 |
| Retained earnings to average equity (ytd only) | 4.6058% | 2,963 |
| Net charge-offs to loans | -0.0542% | 4,359 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9138% | 270 |
| Assets per employee ($millions) | 2.7382% | 4,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2395% | 2,677 |
| Loan loss allowance to noncurrent loans | 175.6190% | 2,780 |
| Noncurrent assets plus other real estate owned to assets | 0.4565% | 1,447 |
| Noncurrent loans to loans | 0.7058% | 1,432 |
| Net loans and leases to total assets | 63.8766% | 1,714 |
| Net loans and leases to deposits | 77.3776% | 1,459 |
| Net loans and leases to core deposits | 81.0128% | 1,518 |
| Total domestic deposits to total assets | 82.5518% | 3,885 |
| Equity capital to assets | 16.0665% | 376 |
| Core capital (leverage) ratio | 16.5110% | 322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5020% | 373 |
| Memoranda: | ||
| Average total assets | $90,071,200 | 4,097 |
| Average earning assets | $87,353,800 | 4,049 |
| Average equity | $16,218,800 | 3,522 |
| Average total loans | $55,315,000 | 3,906 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3816% | 3,152 |
| Cost of funding earning assets | 0.1035% | 4,467 |
| Net interest margin | 3.2781% | 2,482 |
| Noninterest income to average assets | 7.0626% | 90 |
| Noninterest expense to average assets | 9.2446% | 83 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9908% | 2,948 |
| Return on assets (ROA) | 1.0989% | 2,619 |
| Pretax return on assets | 1.0989% | 3,195 |
| Return on Equity (ROE) | 5.8854% | 3,940 |
| Retained earnings to average equity (ytd only) | 5.8854% | 2,880 |
| Net charge-offs to loans | -0.0633% | 4,444 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3201% | 309 |
| Assets per employee ($millions) | 2.5638% | 4,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4728% | 1,734 |
| Loan loss allowance to noncurrent loans | 169.3161% | 2,763 |
| Noncurrent assets plus other real estate owned to assets | 0.5275% | 1,449 |
| Noncurrent loans to loans | 0.8698% | 1,321 |
| Net loans and leases to total assets | 59.7562% | 2,296 |
| Net loans and leases to deposits | 73.4006% | 1,915 |
| Net loans and leases to core deposits | 75.4410% | 2,106 |
| Total domestic deposits to total assets | 81.4110% | 4,032 |
| Equity capital to assets | 18.0751% | 271 |
| Core capital (leverage) ratio | 19.4056% | 205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.3855% | 242 |
| Memoranda: | ||
| Average total assets | $83,838,250 | 4,216 |
| Average earning assets | $81,143,000 | 4,165 |
| Average equity | $15,654,250 | 3,613 |
| Average total loans | $50,548,250 | 4,041 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4403% | 3,054 |
| Cost of funding earning assets | 0.1122% | 4,490 |
| Net interest margin | 3.3281% | 2,354 |
| Noninterest income to average assets | 7.9406% | 81 |
| Noninterest expense to average assets | 10.0978% | 67 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0541% | 2,702 |
| Return on assets (ROA) | 1.0541% | 2,781 |
| Pretax return on assets | 1.0541% | 3,323 |
| Return on Equity (ROE) | 5.5670% | 4,009 |
| Retained earnings to average equity (ytd only) | 5.5670% | 2,972 |
| Net charge-offs to loans | -0.0900% | 4,593 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5477% | 328 |
| Assets per employee ($millions) | 2.1721% | 4,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6902% | 1,083 |
| Loan loss allowance to noncurrent loans | 164.2086% | 2,736 |
| Noncurrent assets plus other real estate owned to assets | 0.6399% | 1,299 |
| Noncurrent loans to loans | 1.0293% | 1,192 |
| Net loans and leases to total assets | 61.1217% | 2,293 |
| Net loans and leases to deposits | 77.8574% | 1,646 |
| Net loans and leases to core deposits | 79.3192% | 1,937 |
| Total domestic deposits to total assets | 78.5047% | 4,384 |
| Equity capital to assets | 21.0096% | 155 |
| Core capital (leverage) ratio | 21.3550% | 140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.1668% | 187 |
| Memoranda: | ||
| Average total assets | $77,601,000 | 4,329 |
| Average earning assets | $74,878,000 | 4,277 |
| Average equity | $14,693,667 | 3,719 |
| Average total loans | $46,665,667 | 4,143 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3438% | 3,354 |
| Cost of funding earning assets | 0.1424% | 4,360 |
| Net interest margin | 3.2014% | 2,692 |
| Noninterest income to average assets | 7.7468% | 89 |
| Noninterest expense to average assets | 10.2687% | 67 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5592% | 4,045 |
| Return on assets (ROA) | 0.5592% | 4,091 |
| Pretax return on assets | 0.5592% | 4,257 |
| Return on Equity (ROE) | 3.1595% | 4,445 |
| Retained earnings to average equity (ytd only) | 3.1595% | 3,733 |
| Net charge-offs to loans | -0.1396% | 4,719 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8354% | 272 |
| Assets per employee ($millions) | 2.0678% | 4,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0137% | 587 |
| Loan loss allowance to noncurrent loans | 158.8441% | 2,706 |
| Noncurrent assets plus other real estate owned to assets | 0.6904% | 1,363 |
| Noncurrent loans to loans | 1.2677% | 1,020 |
| Net loans and leases to total assets | 53.3605% | 3,304 |
| Net loans and leases to deposits | 68.5923% | 2,641 |
| Net loans and leases to core deposits | 68.8673% | 2,981 |
| Total domestic deposits to total assets | 77.7938% | 4,457 |
| Equity capital to assets | 21.5582% | 134 |
| Core capital (leverage) ratio | 22.1173% | 129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.0309% | 131 |
| Memoranda: | ||
| Average total assets | $72,959,500 | 4,397 |
| Average earning assets | $70,220,000 | 4,354 |
| Average equity | $12,913,500 | 3,910 |
| Average total loans | $42,989,500 | 4,234 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7729% | 3,382 |
| Cost of funding earning assets | 0.2965% | 4,169 |
| Net interest margin | 3.4764% | 2,546 |
| Noninterest income to average assets | 8.4941% | 81 |
| Noninterest expense to average assets | 11.0599% | 68 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.7602% | 3,239 |
| Return on assets (ROA) | 0.7602% | 3,365 |
| Pretax return on assets | 0.7602% | 3,739 |
| Return on Equity (ROE) | 6.1885% | 3,521 |
| Retained earnings to average equity (ytd only) | 6.1885% | 1,716 |
| Net charge-offs to loans | -0.1741% | 4,878 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5688% | 280 |
| Assets per employee ($millions) | 1.7558% | 4,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1790% | 427 |
| Loan loss allowance to noncurrent loans | 156.7663% | 2,740 |
| Noncurrent assets plus other real estate owned to assets | 0.9002% | 1,099 |
| Noncurrent loans to loans | 1.3899% | 985 |
| Net loans and leases to total assets | 63.3543% | 2,447 |
| Net loans and leases to deposits | 72.9749% | 2,592 |
| Net loans and leases to core deposits | 73.3170% | 2,969 |
| Total domestic deposits to total assets | 86.8165% | 2,022 |
| Equity capital to assets | 12.6503% | 1,257 |
| Core capital (leverage) ratio | 12.5922% | 1,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4593% | 721 |
| Memoranda: | ||
| Average total assets | $62,749,400 | 4,474 |
| Average earning assets | $60,033,600 | 4,439 |
| Average equity | $7,707,800 | 4,455 |
| Average total loans | $37,327,200 | 4,369 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6720% | 3,853 |
| Cost of funding earning assets | 0.3269% | 4,175 |
| Net interest margin | 3.3450% | 3,052 |
| Noninterest income to average assets | 8.3317% | 80 |
| Noninterest expense to average assets | 10.8137% | 66 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.7195% | 3,393 |
| Return on assets (ROA) | 0.7195% | 3,492 |
| Pretax return on assets | 0.7195% | 3,863 |
| Return on Equity (ROE) | 5.9019% | 3,589 |
| Retained earnings to average equity (ytd only) | 5.9019% | 2,143 |
| Net charge-offs to loans | -0.0659% | 4,748 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7615% | 266 |
| Assets per employee ($millions) | 1.7991% | 4,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1257% | 399 |
| Loan loss allowance to noncurrent loans | 181.3305% | 2,377 |
| Noncurrent assets plus other real estate owned to assets | 0.7000% | 1,666 |
| Noncurrent loans to loans | 1.1723% | 1,295 |
| Net loans and leases to total assets | 58.4464% | 3,375 |
| Net loans and leases to deposits | 66.6769% | 3,563 |
| Net loans and leases to core deposits | 66.9685% | 3,828 |
| Total domestic deposits to total assets | 87.6560% | 1,371 |
| Equity capital to assets | 11.8317% | 1,780 |
| Core capital (leverage) ratio | 11.3805% | 1,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5661% | 619 |
| Memoranda: | ||
| Average total assets | $62,634,750 | 4,494 |
| Average earning assets | $59,948,250 | 4,459 |
| Average equity | $7,635,750 | 4,484 |
| Average total loans | $36,424,750 | 4,408 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7666% | 3,954 |
| Cost of funding earning assets | 0.3511% | 4,264 |
| Net interest margin | 3.4155% | 3,053 |
| Noninterest income to average assets | 7.7229% | 79 |
| Noninterest expense to average assets | 10.5603% | 69 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.4305% | 4,168 |
| Return on assets (ROA) | 0.4305% | 4,233 |
| Pretax return on assets | 0.4305% | 4,375 |
| Return on Equity (ROE) | 3.4941% | 4,248 |
| Retained earnings to average equity (ytd only) | 3.4941% | 3,183 |
| Net charge-offs to loans | -0.0680% | 4,758 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0831% | 242 |
| Assets per employee ($millions) | 2.1120% | 4,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2453% | 314 |
| Loan loss allowance to noncurrent loans | 97.1065% | 3,247 |
| Noncurrent assets plus other real estate owned to assets | 1.2032% | 912 |
| Noncurrent loans to loans | 2.3122% | 533 |
| Net loans and leases to total assets | 50.8697% | 4,106 |
| Net loans and leases to deposits | 59.6551% | 4,135 |
| Net loans and leases to core deposits | 61.1788% | 4,201 |
| Total domestic deposits to total assets | 85.2730% | 2,275 |
| Equity capital to assets | 10.7441% | 2,531 |
| Core capital (leverage) ratio | 11.3781% | 1,727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4165% | 547 |
| Memoranda: | ||
| Average total assets | $61,324,000 | 4,525 |
| Average earning assets | $58,674,333 | 4,482 |
| Average equity | $7,555,667 | 4,515 |
| Average total loans | $35,316,000 | 4,445 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3982% | 2,623 |
| Cost of funding earning assets | 0.2398% | 4,796 |
| Net interest margin | 4.1584% | 1,005 |
| Noninterest income to average assets | 5.2922% | 94 |
| Noninterest expense to average assets | 9.8712% | 78 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.6205% | 4,948 |
| Return on assets (ROA) | -0.6205% | 4,923 |
| Pretax return on assets | -0.6205% | 4,907 |
| Return on Equity (ROE) | -4.6549% | 4,911 |
| Retained earnings to average equity (ytd only) | -4.6549% | 4,492 |
| Net charge-offs to loans | -0.0583% | 4,683 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.7078% | 164 |
| Assets per employee ($millions) | 1.8161% | 5,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3850% | 292 |
| Loan loss allowance to noncurrent loans | 135.7259% | 2,732 |
| Noncurrent assets plus other real estate owned to assets | 0.9927% | 1,331 |
| Noncurrent loans to loans | 1.7573% | 856 |
| Net loans and leases to total assets | 55.1467% | 3,898 |
| Net loans and leases to deposits | 64.2939% | 3,967 |
| Net loans and leases to core deposits | 66.1911% | 4,071 |
| Total domestic deposits to total assets | 85.7728% | 2,094 |
| Equity capital to assets | 12.1219% | 1,981 |
| Core capital (leverage) ratio | 13.3687% | 1,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7429% | 672 |
| Memoranda: | ||
| Average total assets | $56,082,500 | 4,606 |
| Average earning assets | $53,386,000 | 4,576 |
| Average equity | $7,476,000 | 4,553 |
| Average total loans | $34,290,500 | 4,491 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1388% | 1,136 |
| Cost of funding earning assets | 0.2150% | 4,922 |
| Net interest margin | 4.9239% | 315 |
| Noninterest income to average assets | 6.2550% | 86 |
| Noninterest expense to average assets | 11.4870% | 60 |
| Loan and lease loss provision to assets | 0.1326% | 1,608 |
| Net operating income to assets | -0.6584% | 5,067 |
| Return on assets (ROA) | -0.6960% | 5,076 |
| Pretax return on assets | -0.6960% | 5,075 |
| Return on Equity (ROE) | -4.7037% | 5,073 |
| Retained earnings to average equity (ytd only) | -4.7037% | 4,972 |
| Net charge-offs to loans | 0.3787% | 524 |
| Credit loss provision to net charge-offs | 50.0000% | 3,125 |
| Earnings coverage of net charge-offs (x) | -1.9833% | 3,665 |
| Efficiency ratio | 104.7974% | 131 |
| Assets per employee ($millions) | 1.4829% | 5,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4542% | 228 |
| Loan loss allowance to noncurrent loans | 152.3020% | 2,570 |
| Noncurrent assets plus other real estate owned to assets | 1.0770% | 1,147 |
| Noncurrent loans to loans | 1.6114% | 875 |
| Net loans and leases to total assets | 65.1963% | 3,046 |
| Net loans and leases to deposits | 77.0890% | 3,085 |
| Net loans and leases to core deposits | 78.9632% | 3,380 |
| Total domestic deposits to total assets | 84.5727% | 2,655 |
| Equity capital to assets | 14.8105% | 842 |
| Core capital (leverage) ratio | 15.5968% | 577 |
| Tier 1 risk-based capital ratio | 21.2045% | 1,128 |
| Total risk-based capital ratio | 22.4688% | 1,107 |
| Memoranda: | ||
| Average total assets | $45,259,800 | 4,826 |
| Average earning assets | $43,258,800 | 4,796 |
| Average equity | $6,696,800 | 4,667 |
| Average total loans | $31,691,200 | 4,608 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2555% | 940 |
| Cost of funding earning assets | 0.2065% | 5,025 |
| Net interest margin | 5.0489% | 260 |
| Noninterest income to average assets | 5.7097% | 89 |
| Noninterest expense to average assets | 11.4710% | 59 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | -0.9430% | 5,172 |
| Return on assets (ROA) | -0.9946% | 5,180 |
| Pretax return on assets | -0.9946% | 5,173 |
| Return on Equity (ROE) | -6.7236% | 5,174 |
| Retained earnings to average equity (ytd only) | -6.7236% | 5,103 |
| Net charge-offs to loans | 0.5087% | 331 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | -2.6135% | 3,405 |
| Efficiency ratio | 108.9574% | 108 |
| Assets per employee ($millions) | 1.4220% | 5,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2952% | 289 |
| Loan loss allowance to noncurrent loans | 131.9588% | 2,842 |
| Noncurrent assets plus other real estate owned to assets | 1.2790% | 956 |
| Noncurrent loans to loans | 1.7393% | 833 |
| Net loans and leases to total assets | 71.8449% | 2,199 |
| Net loans and leases to deposits | 86.7441% | 2,097 |
| Net loans and leases to core deposits | 89.1255% | 2,622 |
| Total domestic deposits to total assets | 82.8239% | 3,220 |
| Equity capital to assets | 16.3784% | 575 |
| Core capital (leverage) ratio | 16.6734% | 479 |
| Tier 1 risk-based capital ratio | 21.4456% | 1,136 |
| Total risk-based capital ratio | 22.7065% | 1,109 |
| Memoranda: | ||
| Average total assets | $43,970,500 | 4,914 |
| Average earning assets | $41,961,500 | 4,886 |
| Average equity | $6,504,250 | 4,757 |
| Average total loans | $31,189,750 | 4,678 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2824% | 839 |
| Cost of funding earning assets | 0.2171% | 5,036 |
| Net interest margin | 5.0653% | 252 |
| Noninterest income to average assets | 4.7401% | 100 |
| Noninterest expense to average assets | 10.8930% | 63 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -1.3208% | 5,239 |
| Return on assets (ROA) | -1.3990% | 5,245 |
| Pretax return on assets | -1.3990% | 5,241 |
| Return on Equity (ROE) | -9.8255% | 5,241 |
| Retained earnings to average equity (ytd only) | -9.8255% | 5,177 |
| Net charge-offs to loans | -0.9924% | 5,254 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.7981% | 88 |
| Assets per employee ($millions) | 1.4281% | 5,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3746% | 94 |
| Loan loss allowance to noncurrent loans | 71.6356% | 3,809 |
| Noncurrent assets plus other real estate owned to assets | 3.2730% | 163 |
| Noncurrent loans to loans | 4.7108% | 117 |
| Net loans and leases to total assets | 67.1342% | 2,946 |
| Net loans and leases to deposits | 79.0578% | 3,056 |
| Net loans and leases to core deposits | 81.2249% | 3,315 |
| Total domestic deposits to total assets | 84.9179% | 2,511 |
| Equity capital to assets | 14.5919% | 922 |
| Core capital (leverage) ratio | 14.7558% | 762 |
| Tier 1 risk-based capital ratio | 20.1745% | 1,317 |
| Total risk-based capital ratio | 21.4488% | 1,283 |
| Memoranda: | ||
| Average total assets | $43,459,000 | 4,960 |
| Average earning assets | $41,458,670 | 4,935 |
| Average equity | $6,188,000 | 4,833 |
| Average total loans | $30,432,670 | 4,722 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3425% | 702 |
| Cost of funding earning assets | 0.2437% | 4,998 |
| Net interest margin | 5.0988% | 245 |
| Noninterest income to average assets | 3.5863% | 117 |
| Noninterest expense to average assets | 10.3500% | 61 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -1.9046% | 5,317 |
| Return on assets (ROA) | -2.0626% | 5,319 |
| Pretax return on assets | -2.0626% | 5,310 |
| Return on Equity (ROE) | -14.6728% | 5,317 |
| Retained earnings to average equity (ytd only) | -14.6728% | 5,201 |
| Net charge-offs to loans | -0.5418% | 5,280 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.5523% | 71 |
| Assets per employee ($millions) | 1.5460% | 5,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9946% | 133 |
| Loan loss allowance to noncurrent loans | 128.8889% | 2,942 |
| Noncurrent assets plus other real estate owned to assets | 1.6059% | 708 |
| Noncurrent loans to loans | 2.3234% | 584 |
| Net loans and leases to total assets | 67.0496% | 2,890 |
| Net loans and leases to deposits | 78.9044% | 2,961 |
| Net loans and leases to core deposits | 81.6010% | 3,215 |
| Total domestic deposits to total assets | 84.9757% | 2,686 |
| Equity capital to assets | 14.4533% | 891 |
| Core capital (leverage) ratio | 15.0311% | 689 |
| Tier 1 risk-based capital ratio | 19.3137% | 1,480 |
| Total risk-based capital ratio | 20.5832% | 1,448 |
| Memoranda: | ||
| Average total assets | $43,053,000 | 5,014 |
| Average earning assets | $41,029,500 | 4,990 |
| Average equity | $6,052,000 | 4,886 |
| Average total loans | $30,269,500 | 4,783 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5125% | 2,426 |
| Cost of funding earning assets | 0.4535% | 3,659 |
| Net interest margin | 4.0590% | 1,794 |
| Noninterest income to average assets | 2.1529% | 243 |
| Noninterest expense to average assets | 11.3096% | 54 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | -5.2988% | 5,397 |
| Return on assets (ROA) | -5.2940% | 5,397 |
| Pretax return on assets | -5.2940% | 5,395 |
| Return on Equity (ROE) | -32.1916% | 5,390 |
| Retained earnings to average equity (ytd only) | -32.1916% | 5,388 |
| Net charge-offs to loans | 0.1180% | 1,565 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | -75.4483% | 3,774 |
| Efficiency ratio | 188.1547% | 16 |
| Assets per employee ($millions) | 1.5286% | 5,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0017% | 131 |
| Loan loss allowance to noncurrent loans | 152.9310% | 2,681 |
| Noncurrent assets plus other real estate owned to assets | 1.4053% | 862 |
| Noncurrent loans to loans | 1.9628% | 692 |
| Net loans and leases to total assets | 69.4490% | 2,666 |
| Net loans and leases to deposits | 80.9164% | 2,862 |
| Net loans and leases to core deposits | 81.5100% | 3,306 |
| Total domestic deposits to total assets | 85.8282% | 2,315 |
| Equity capital to assets | 13.6267% | 1,093 |
| Core capital (leverage) ratio | 14.0289% | 915 |
| Tier 1 risk-based capital ratio | 18.0173% | 1,751 |
| Total risk-based capital ratio | 19.2853% | 1,704 |
| Memoranda: | ||
| Average total assets | $41,292,200 | 5,077 |
| Average earning assets | $39,246,200 | 5,053 |
| Average equity | $6,790,600 | 4,777 |
| Average total loans | $24,585,800 | 4,952 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4413% | 406 |
| Cost of funding earning assets | 0.5298% | 2,995 |
| Net interest margin | 4.9114% | 311 |
| Noninterest income to average assets | 0.2389% | 4,543 |
| Noninterest expense to average assets | 9.3176% | 69 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | -4.4102% | 5,464 |
| Return on assets (ROA) | -4.4037% | 5,464 |
| Pretax return on assets | -4.4037% | 5,464 |
| Return on Equity (ROE) | -25.6786% | 5,457 |
| Retained earnings to average equity (ytd only) | -25.6786% | 5,447 |
| Net charge-offs to loans | 0.2399% | 712 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | -32.5230% | 3,477 |
| Efficiency ratio | 189.8684% | 13 |
| Assets per employee ($millions) | 1.3644% | 5,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1904% | 116 |
| Loan loss allowance to noncurrent loans | 173.4127% | 2,483 |
| Noncurrent assets plus other real estate owned to assets | 1.2313% | 1,129 |
| Noncurrent loans to loans | 1.8398% | 830 |
| Net loans and leases to total assets | 64.7928% | 3,332 |
| Net loans and leases to deposits | 76.8257% | 3,343 |
| Net loans and leases to core deposits | 77.4019% | 3,704 |
| Total domestic deposits to total assets | 84.3374% | 2,840 |
| Equity capital to assets | 15.5111% | 614 |
| Core capital (leverage) ratio | 15.6606% | 571 |
| Tier 1 risk-based capital ratio | 22.6183% | 980 |
| Total risk-based capital ratio | 23.8888% | 956 |
| Memoranda: | ||
| Average total assets | $41,297,250 | 5,140 |
| Average earning assets | $39,254,750 | 5,119 |
| Average equity | $7,082,250 | 4,785 |
| Average total loans | $23,344,750 | 5,050 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8388% | 1,153 |
| Cost of funding earning assets | 0.5737% | 2,407 |
| Net interest margin | 4.2650% | 1,120 |
| Noninterest income to average assets | 0.2318% | 4,630 |
| Noninterest expense to average assets | 8.8752% | 78 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -4.5873% | 5,532 |
| Return on assets (ROA) | -4.5969% | 5,531 |
| Pretax return on assets | -4.5969% | 5,528 |
| Return on Equity (ROE) | -25.9872% | 5,517 |
| Retained earnings to average equity (ytd only) | -25.9872% | 5,505 |
| Net charge-offs to loans | 0.5274% | 281 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | -16.3793% | 3,191 |
| Efficiency ratio | 206.9820% | 10 |
| Assets per employee ($millions) | 1.8358% | 5,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5329% | 79 |
| Loan loss allowance to noncurrent loans | 106.5839% | 3,358 |
| Noncurrent assets plus other real estate owned to assets | 1.8271% | 632 |
| Noncurrent loans to loans | 3.3147% | 315 |
| Net loans and leases to total assets | 53.1729% | 4,400 |
| Net loans and leases to deposits | 62.9430% | 4,359 |
| Net loans and leases to core deposits | 63.3806% | 4,530 |
| Total domestic deposits to total assets | 84.4780% | 2,883 |
| Equity capital to assets | 15.4426% | 601 |
| Core capital (leverage) ratio | 15.6052% | 553 |
| Tier 1 risk-based capital ratio | 25.6209% | 695 |
| Total risk-based capital ratio | 26.8938% | 673 |
| Memoranda: | ||
| Average total assets | $41,419,000 | 5,197 |
| Average earning assets | $39,390,000 | 5,175 |
| Average equity | $7,326,670 | 4,795 |
| Average total loans | $21,994,670 | 5,149 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5310% | 1,774 |
| Cost of funding earning assets | 0.4615% | 3,114 |
| Net interest margin | 4.0695% | 1,516 |
| Noninterest income to average assets | 0.2594% | 4,441 |
| Noninterest expense to average assets | 8.7784% | 84 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -4.6486% | 5,593 |
| Return on assets (ROA) | -4.6685% | 5,591 |
| Pretax return on assets | -4.6685% | 5,591 |
| Return on Equity (ROE) | -24.6705% | 5,579 |
| Retained earnings to average equity (ytd only) | -24.6705% | 5,535 |
| Net charge-offs to loans | 1.2087% | 121 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | -7.3968% | 2,695 |
| Efficiency ratio | 212.5604% | 13 |
| Assets per employee ($millions) | 1.9184% | 5,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0739% | 61 |
| Loan loss allowance to noncurrent loans | 110.2067% | 3,274 |
| Noncurrent assets plus other real estate owned to assets | 1.6811% | 769 |
| Noncurrent loans to loans | 3.6966% | 279 |
| Net loans and leases to total assets | 43.6232% | 4,913 |
| Net loans and leases to deposits | 51.9032% | 4,884 |
| Net loans and leases to core deposits | 52.9556% | 4,953 |
| Total domestic deposits to total assets | 84.0472% | 3,311 |
| Equity capital to assets | 15.8725% | 507 |
| Core capital (leverage) ratio | 20.5040% | 195 |
| Tier 1 risk-based capital ratio | 31.7089% | 416 |
| Total risk-based capital ratio | 32.9896% | 405 |
| Memoranda: | ||
| Average total assets | $40,098,500 | 5,276 |
| Average earning assets | $38,137,500 | 5,255 |
| Average equity | $7,588,000 | 4,812 |
| Average total loans | $20,849,000 | 5,233 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6098% | 227 |
| Cost of funding earning assets | 0.6040% | 1,572 |
| Net interest margin | 5.0058% | 236 |
| Noninterest income to average assets | -0.6249% | 5,664 |
| Noninterest expense to average assets | 6.9484% | 116 |
| Loan and lease loss provision to assets | 3.7615% | 19 |
| Net operating income to assets | -6.6463% | 5,664 |
| Return on assets (ROA) | -6.5219% | 5,664 |
| Pretax return on assets | -6.5219% | 5,664 |
| Return on Equity (ROE) | -42.7822% | 5,659 |
| Retained earnings to average equity (ytd only) | -42.7822% | 5,654 |
| Net charge-offs to loans | 3.5062% | 32 |
| Credit loss provision to net charge-offs | 170.2413% | 1,586 |
| Earnings coverage of net charge-offs (x) | -1.3056% | 4,047 |
| Efficiency ratio | 170.9913% | 17 |
| Assets per employee ($millions) | 1.7078% | 5,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4123% | 47 |
| Loan loss allowance to noncurrent loans | 134.9043% | 3,004 |
| Noncurrent assets plus other real estate owned to assets | 2.0817% | 525 |
| Noncurrent loans to loans | 3.2707% | 319 |
| Net loans and leases to total assets | 58.0998% | 3,994 |
| Net loans and leases to deposits | 75.6481% | 3,362 |
| Net loans and leases to core deposits | 77.9266% | 3,590 |
| Total domestic deposits to total assets | 76.8028% | 4,881 |
| Equity capital to assets | 23.0362% | 132 |
| Core capital (leverage) ratio | 22.9866% | 122 |
| Tier 1 risk-based capital ratio | 36.1619% | 292 |
| Total risk-based capital ratio | 37.4098% | 289 |
| Memoranda: | ||
| Average total assets | $33,763,400 | 5,434 |
| Average earning assets | $31,623,200 | 5,413 |
| Average equity | $5,147,000 | 5,247 |
| Average total loans | $21,276,800 | 5,277 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2312% | 396 |
| Cost of funding earning assets | 0.6433% | 1,287 |
| Net interest margin | 4.5879% | 498 |
| Noninterest income to average assets | -0.8713% | 5,735 |
| Noninterest expense to average assets | 6.1585% | 143 |
| Loan and lease loss provision to assets | 5.0297% | 13 |
| Net operating income to assets | -7.7664% | 5,730 |
| Return on assets (ROA) | -7.6001% | 5,730 |
| Pretax return on assets | -7.6001% | 5,730 |
| Return on Equity (ROE) | -57.2810% | 5,727 |
| Retained earnings to average equity (ytd only) | -57.2810% | 5,721 |
| Net charge-offs to loans | 2.9275% | 45 |
| Credit loss provision to net charge-offs | 270.2128% | 1,067 |
| Earnings coverage of net charge-offs (x) | -1.4702% | 3,723 |
| Efficiency ratio | 179.9769% | 17 |
| Assets per employee ($millions) | 1.8253% | 5,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8357% | 25 |
| Loan loss allowance to noncurrent loans | 94.7536% | 3,618 |
| Noncurrent assets plus other real estate owned to assets | 3.8812% | 176 |
| Noncurrent loans to loans | 6.1588% | 97 |
| Net loans and leases to total assets | 55.4614% | 4,277 |
| Net loans and leases to deposits | 72.9417% | 3,672 |
| Net loans and leases to core deposits | 75.1269% | 3,878 |
| Total domestic deposits to total assets | 76.0352% | 5,014 |
| Equity capital to assets | 23.7687% | 122 |
| Core capital (leverage) ratio | 21.8570% | 148 |
| Tier 1 risk-based capital ratio | 37.8647% | 261 |
| Total risk-based capital ratio | 39.1127% | 254 |
| Memoranda: | ||
| Average total assets | $33,665,500 | 5,499 |
| Average earning assets | $31,502,250 | 5,472 |
| Average equity | $4,466,750 | 5,406 |
| Average total loans | $21,406,000 | 5,327 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8246% | 821 |
| Cost of funding earning assets | 0.6754% | 1,016 |
| Net interest margin | 4.1492% | 1,210 |
| Noninterest income to average assets | -1.5303% | 5,785 |
| Noninterest expense to average assets | 5.6410% | 173 |
| Loan and lease loss provision to assets | 7.6214% | 5 |
| Net operating income to assets | -10.9220% | 5,783 |
| Return on assets (ROA) | -10.6699% | 5,783 |
| Pretax return on assets | -10.6699% | 5,783 |
| Return on Equity (ROE) | -110.8479% | 5,782 |
| Retained earnings to average equity (ytd only) | -110.8479% | 5,778 |
| Net charge-offs to loans | 1.9510% | 85 |
| Credit loss provision to net charge-offs | 599.0566% | 578 |
| Earnings coverage of net charge-offs (x) | -2.5943% | 3,449 |
| Efficiency ratio | 241.0256% | 8 |
| Assets per employee ($millions) | 2.4691% | 5,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8652% | 14 |
| Loan loss allowance to noncurrent loans | 181.0237% | 2,420 |
| Noncurrent assets plus other real estate owned to assets | 2.2503% | 520 |
| Noncurrent loans to loans | 3.7924% | 272 |
| Net loans and leases to total assets | 49.7937% | 4,725 |
| Net loans and leases to deposits | 63.5635% | 4,398 |
| Net loans and leases to core deposits | 67.4219% | 4,387 |
| Total domestic deposits to total assets | 78.3369% | 4,760 |
| Equity capital to assets | 21.5036% | 160 |
| Core capital (leverage) ratio | 25.4012% | 92 |
| Tier 1 risk-based capital ratio | 37.3336% | 255 |
| Total risk-based capital ratio | 38.6386% | 250 |
| Memoranda: | ||
| Average total assets | $33,327,330 | 5,552 |
| Average earning assets | $31,090,670 | 5,531 |
| Average equity | $3,208,000 | 5,617 |
| Average total loans | $21,732,670 | 5,359 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5211% | 220 |
| Cost of funding earning assets | 0.8031% | 475 |
| Net interest margin | 4.7180% | 366 |
| Noninterest income to average assets | 0.3968% | 3,684 |
| Noninterest expense to average assets | 6.1114% | 158 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -1.3625% | 5,797 |
| Return on assets (ROA) | -0.9921% | 5,781 |
| Pretax return on assets | -0.9921% | 5,773 |
| Return on Equity (ROE) | -53.1444% | 5,844 |
| Retained earnings to average equity (ytd only) | -53.1444% | 5,824 |
| Net charge-offs to loans | 0.5082% | 359 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | -3.6786% | 2,901 |
| Efficiency ratio | 128.6908% | 59 |
| Assets per employee ($millions) | 2.0860% | 5,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6723% | 1,204 |
| Loan loss allowance to noncurrent loans | 41.1299% | 4,833 |
| Noncurrent assets plus other real estate owned to assets | 5.0027% | 119 |
| Noncurrent loans to loans | 4.0660% | 249 |
| Net loans and leases to total assets | 73.2845% | 1,858 |
| Net loans and leases to deposits | 74.7459% | 3,331 |
| Net loans and leases to core deposits | 81.1850% | 3,178 |
| Total domestic deposits to total assets | 98.0448% | 2 |
| Equity capital to assets | 1.7806% | 5,852 |
| Core capital (leverage) ratio | 1.7703% | 5,853 |
| Tier 1 risk-based capital ratio | 2.3116% | 5,853 |
| Total risk-based capital ratio | 3.5652% | 5,853 |
| Memoranda: | ||
| Average total assets | $30,238,500 | 5,657 |
| Average earning assets | $27,893,000 | 5,643 |
| Average equity | $564,500 | 5,854 |
| Average total loans | $22,038,500 | 5,404 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3032% | 352 |
| Cost of funding earning assets | 0.8132% | 465 |
| Net interest margin | 4.4900% | 643 |
| Noninterest income to average assets | 0.0236% | 5,817 |
| Noninterest expense to average assets | 5.6843% | 188 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -1.5052% | 5,862 |
| Return on assets (ROA) | -1.3724% | 5,856 |
| Pretax return on assets | -1.3724% | 5,850 |
| Return on Equity (ROE) | -47.4199% | 5,902 |
| Retained earnings to average equity (ytd only) | -47.4199% | 5,900 |
| Net charge-offs to loans | -0.0132% | 5,013 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 136.0169% | 46 |
| Assets per employee ($millions) | 2.2338% | 5,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7570% | 1,029 |
| Loan loss allowance to noncurrent loans | 59.6651% | 4,457 |
| Noncurrent assets plus other real estate owned to assets | 4.1154% | 183 |
| Noncurrent loans to loans | 2.9447% | 471 |
| Net loans and leases to total assets | 70.0892% | 2,451 |
| Net loans and leases to deposits | 71.6846% | 3,743 |
| Net loans and leases to core deposits | 77.4304% | 3,611 |
| Total domestic deposits to total assets | 97.7744% | 3 |
| Equity capital to assets | 1.9474% | 5,908 |
| Core capital (leverage) ratio | 1.8840% | 5,910 |
| Tier 1 risk-based capital ratio | 2.5665% | 5,910 |
| Total risk-based capital ratio | 3.8223% | 5,910 |
| Memoranda: | ||
| Average total assets | $33,882,800 | 5,651 |
| Average earning assets | $31,358,400 | 5,641 |
| Average equity | $980,600 | 5,907 |
| Average total loans | $22,753,800 | 5,424 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2780% | 381 |
| Cost of funding earning assets | 0.8129% | 468 |
| Net interest margin | 4.4650% | 681 |
| Noninterest income to average assets | 0.1969% | 5,284 |
| Noninterest expense to average assets | 5.2660% | 226 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.9343% | 5,899 |
| Return on assets (ROA) | -0.7606% | 5,893 |
| Pretax return on assets | -0.7606% | 5,886 |
| Return on Equity (ROE) | -24.4676% | 5,952 |
| Retained earnings to average equity (ytd only) | -24.4676% | 5,931 |
| Net charge-offs to loans | -0.2157% | 5,780 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.5686% | 80 |
| Assets per employee ($millions) | 2.5295% | 5,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8870% | 872 |
| Loan loss allowance to noncurrent loans | 74.3455% | 4,168 |
| Noncurrent assets plus other real estate owned to assets | 4.0749% | 201 |
| Noncurrent loans to loans | 2.5381% | 684 |
| Net loans and leases to total assets | 67.3580% | 2,895 |
| Net loans and leases to deposits | 69.5994% | 4,018 |
| Net loans and leases to core deposits | 73.0734% | 4,077 |
| Total domestic deposits to total assets | 96.7796% | 4 |
| Equity capital to assets | 2.9133% | 5,972 |
| Core capital (leverage) ratio | 2.6674% | 5,973 |
| Tier 1 risk-based capital ratio | 3.5788% | 5,975 |
| Total risk-based capital ratio | 4.8361% | 5,975 |
| Memoranda: | ||
| Average total assets | $34,535,250 | 5,698 |
| Average earning assets | $31,981,250 | 5,687 |
| Average equity | $1,073,500 | 5,971 |
| Average total loans | $22,864,500 | 5,478 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0920% | 499 |
| Cost of funding earning assets | 0.8118% | 460 |
| Net interest margin | 4.2803% | 963 |
| Noninterest income to average assets | 0.2679% | 4,868 |
| Noninterest expense to average assets | 5.1018% | 252 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.8665% | 5,968 |
| Return on assets (ROA) | -0.8665% | 5,973 |
| Pretax return on assets | -0.8665% | 5,964 |
| Return on Equity (ROE) | -27.3381% | 6,023 |
| Retained earnings to average equity (ytd only) | -27.3381% | 5,999 |
| Net charge-offs to loans | -0.3223% | 5,899 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.4576% | 89 |
| Assets per employee ($millions) | 2.5722% | 5,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8525% | 980 |
| Loan loss allowance to noncurrent loans | 51.5115% | 4,774 |
| Noncurrent assets plus other real estate owned to assets | 4.6923% | 163 |
| Noncurrent loans to loans | 3.5963% | 363 |
| Net loans and leases to total assets | 67.4981% | 2,868 |
| Net loans and leases to deposits | 69.6798% | 4,011 |
| Net loans and leases to core deposits | 72.0580% | 4,173 |
| Total domestic deposits to total assets | 96.8688% | 5 |
| Equity capital to assets | 3.0086% | 6,048 |
| Core capital (leverage) ratio | 2.9170% | 6,049 |
| Tier 1 risk-based capital ratio | 4.0740% | 6,049 |
| Total risk-based capital ratio | 5.3254% | 6,049 |
| Memoranda: | ||
| Average total assets | $35,085,670 | 5,764 |
| Average earning assets | $32,521,330 | 5,742 |
| Average equity | $1,112,000 | 6,047 |
| Average total loans | $22,960,670 | 5,539 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8660% | 738 |
| Cost of funding earning assets | 0.8050% | 485 |
| Net interest margin | 4.0610% | 1,448 |
| Noninterest income to average assets | 0.2228% | 5,142 |
| Noninterest expense to average assets | 4.9235% | 285 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.9357% | 6,022 |
| Return on assets (ROA) | -0.9357% | 6,024 |
| Pretax return on assets | -0.9357% | 6,014 |
| Return on Equity (ROE) | -28.8412% | 6,084 |
| Retained earnings to average equity (ytd only) | -28.8412% | 6,021 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.4637% | 90 |
| Assets per employee ($millions) | 2.8788% | 5,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7093% | 1,339 |
| Loan loss allowance to noncurrent loans | 52.2148% | 4,773 |
| Noncurrent assets plus other real estate owned to assets | 4.0816% | 243 |
| Noncurrent loans to loans | 3.2736% | 449 |
| Net loans and leases to total assets | 64.7532% | 3,143 |
| Net loans and leases to deposits | 67.2145% | 4,134 |
| Net loans and leases to core deposits | 68.2669% | 4,377 |
| Total domestic deposits to total assets | 96.3381% | 8 |
| Equity capital to assets | 3.3435% | 6,104 |
| Core capital (leverage) ratio | 3.2371% | 6,105 |
| Tier 1 risk-based capital ratio | 4.7133% | 6,105 |
| Total risk-based capital ratio | 5.9620% | 6,106 |
| Memoranda: | ||
| Average total assets | $35,909,500 | 5,798 |
| Average earning assets | $33,292,000 | 5,784 |
| Average equity | $1,165,000 | 6,107 |
| Average total loans | $22,943,000 | 5,589 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6317% | 223 |
| Cost of funding earning assets | 0.7949% | 501 |
| Net interest margin | 4.8368% | 341 |
| Noninterest income to average assets | 0.3076% | 4,687 |
| Noninterest expense to average assets | 5.0066% | 278 |
| Loan and lease loss provision to assets | 1.2096% | 65 |
| Net operating income to assets | -1.4423% | 6,124 |
| Return on assets (ROA) | -1.4423% | 6,125 |
| Pretax return on assets | -1.4423% | 6,122 |
| Return on Equity (ROE) | -34.8576% | 6,162 |
| Retained earnings to average equity (ytd only) | -34.8576% | 6,156 |
| Net charge-offs to loans | 1.8665% | 72 |
| Credit loss provision to net charge-offs | 91.2281% | 2,741 |
| Earnings coverage of net charge-offs (x) | -0.1754% | 4,282 |
| Efficiency ratio | 104.8728% | 200 |
| Assets per employee ($millions) | 3.1062% | 5,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6819% | 1,392 |
| Loan loss allowance to noncurrent loans | 28.9866% | 5,351 |
| Noncurrent assets plus other real estate owned to assets | 4.4481% | 219 |
| Noncurrent loans to loans | 5.8025% | 148 |
| Net loans and leases to total assets | 61.0050% | 3,692 |
| Net loans and leases to deposits | 63.1814% | 4,530 |
| Net loans and leases to core deposits | 65.0969% | 4,661 |
| Total domestic deposits to total assets | 96.5552% | 7 |
| Equity capital to assets | 3.1523% | 6,164 |
| Core capital (leverage) ratio | 3.0482% | 6,166 |
| Tier 1 risk-based capital ratio | 4.3345% | 6,168 |
| Total risk-based capital ratio | 5.5851% | 6,169 |
| Memoranda: | ||
| Average total assets | $38,689,200 | 5,792 |
| Average earning assets | $35,726,200 | 5,769 |
| Average equity | $1,600,800 | 6,140 |
| Average total loans | $27,484,800 | 5,460 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6198% | 220 |
| Cost of funding earning assets | 0.7806% | 558 |
| Net interest margin | 4.8392% | 344 |
| Noninterest income to average assets | 0.3244% | 4,620 |
| Noninterest expense to average assets | 4.8253% | 327 |
| Loan and lease loss provision to assets | 0.4030% | 297 |
| Net operating income to assets | -0.4371% | 6,126 |
| Return on assets (ROA) | -0.4371% | 6,132 |
| Pretax return on assets | -0.4371% | 6,124 |
| Return on Equity (ROE) | -9.9962% | 6,181 |
| Retained earnings to average equity (ytd only) | -9.9962% | 6,126 |
| Net charge-offs to loans | 0.8446% | 234 |
| Credit loss provision to net charge-offs | 65.1934% | 2,840 |
| Earnings coverage of net charge-offs (x) | -0.0552% | 3,996 |
| Efficiency ratio | 100.7128% | 284 |
| Assets per employee ($millions) | 2.7674% | 5,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3138% | 3,019 |
| Loan loss allowance to noncurrent loans | 27.2194% | 5,483 |
| Noncurrent assets plus other real estate owned to assets | 4.4342% | 249 |
| Noncurrent loans to loans | 4.8268% | 223 |
| Net loans and leases to total assets | 71.9260% | 2,071 |
| Net loans and leases to deposits | 75.2349% | 3,400 |
| Net loans and leases to core deposits | 78.6404% | 3,550 |
| Total domestic deposits to total assets | 95.6019% | 10 |
| Equity capital to assets | 4.1297% | 6,244 |
| Core capital (leverage) ratio | 4.1144% | 6,243 |
| Tier 1 risk-based capital ratio | 6.1183% | 6,245 |
| Total risk-based capital ratio | 7.3687% | 6,244 |
| Memoranda: | ||
| Average total assets | $39,043,000 | 5,862 |
| Average earning assets | $36,038,250 | 5,842 |
| Average equity | $1,707,250 | 6,215 |
| Average total loans | $28,574,000 | 5,487 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6053% | 229 |
| Cost of funding earning assets | 0.7636% | 600 |
| Net interest margin | 4.8417% | 334 |
| Noninterest income to average assets | 0.3219% | 4,647 |
| Noninterest expense to average assets | 4.7927% | 339 |
| Loan and lease loss provision to assets | 0.1635% | 1,287 |
| Net operating income to assets | -0.1635% | 6,081 |
| Return on assets (ROA) | -0.1635% | 6,109 |
| Pretax return on assets | -0.1635% | 6,089 |
| Return on Equity (ROE) | -3.6718% | 6,170 |
| Retained earnings to average equity (ytd only) | -3.6718% | 5,956 |
| Net charge-offs to loans | 0.5996% | 396 |
| Credit loss provision to net charge-offs | 37.2093% | 2,851 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 3,711 |
| Efficiency ratio | 100.0000% | 320 |
| Assets per employee ($millions) | 2.7784% | 5,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3247% | 3,112 |
| Loan loss allowance to noncurrent loans | 34.5769% | 5,390 |
| Noncurrent assets plus other real estate owned to assets | 3.4938% | 414 |
| Noncurrent loans to loans | 3.8313% | 422 |
| Net loans and leases to total assets | 72.7672% | 1,850 |
| Net loans and leases to deposits | 76.3370% | 3,228 |
| Net loans and leases to core deposits | 80.9269% | 3,286 |
| Total domestic deposits to total assets | 95.3237% | 14 |
| Equity capital to assets | 4.2856% | 6,312 |
| Core capital (leverage) ratio | 4.2528% | 6,314 |
| Tier 1 risk-based capital ratio | 6.2929% | 6,319 |
| Total risk-based capital ratio | 7.5462% | 6,318 |
| Memoranda: | ||
| Average total assets | $39,142,670 | 5,918 |
| Average earning assets | $36,144,330 | 5,900 |
| Average equity | $1,743,000 | 6,288 |
| Average total loans | $28,686,000 | 5,530 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5154% | 251 |
| Cost of funding earning assets | 0.7611% | 614 |
| Net interest margin | 4.7543% | 379 |
| Noninterest income to average assets | 0.1834% | 5,616 |
| Noninterest expense to average assets | 4.9000% | 316 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.3260% | 6,194 |
| Return on assets (ROA) | -0.3260% | 6,210 |
| Pretax return on assets | -0.3260% | 6,195 |
| Return on Equity (ROE) | -7.1870% | 6,295 |
| Retained earnings to average equity (ytd only) | -7.1870% | 6,045 |
| Net charge-offs to loans | 0.1813% | 1,203 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -2.4615% | 3,212 |
| Efficiency ratio | 107.1269% | 224 |
| Assets per employee ($millions) | 2.8189% | 5,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4795% | 2,536 |
| Loan loss allowance to noncurrent loans | 62.8358% | 4,645 |
| Noncurrent assets plus other real estate owned to assets | 2.5643% | 825 |
| Noncurrent loans to loans | 2.3546% | 1,047 |
| Net loans and leases to total assets | 71.0351% | 1,978 |
| Net loans and leases to deposits | 74.7653% | 3,188 |
| Net loans and leases to core deposits | 79.1720% | 3,268 |
| Total domestic deposits to total assets | 95.0108% | 15 |
| Equity capital to assets | 4.4698% | 6,386 |
| Core capital (leverage) ratio | 4.4594% | 6,383 |
| Tier 1 risk-based capital ratio | 6.6707% | 6,382 |
| Total risk-based capital ratio | 7.9224% | 6,381 |
| Memoranda: | ||
| Average total assets | $39,265,000 | 5,976 |
| Average earning assets | $36,262,000 | 5,959 |
| Average equity | $1,781,000 | 6,345 |
| Average total loans | $28,686,500 | 5,569 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8836% | 180 |
| Cost of funding earning assets | 0.7516% | 840 |
| Net interest margin | 5.1320% | 236 |
| Noninterest income to average assets | 0.2748% | 5,152 |
| Noninterest expense to average assets | 4.7408% | 378 |
| Loan and lease loss provision to assets | 0.2774% | 771 |
| Net operating income to assets | 0.0178% | 6,065 |
| Return on assets (ROA) | 0.0178% | 6,087 |
| Pretax return on assets | 0.0178% | 6,075 |
| Return on Equity (ROE) | 0.4196% | 6,053 |
| Retained earnings to average equity (ytd only) | 0.4196% | 5,587 |
| Net charge-offs to loans | 0.5756% | 700 |
| Credit loss provision to net charge-offs | 65.2695% | 3,178 |
| Earnings coverage of net charge-offs (x) | 0.6946% | 4,585 |
| Efficiency ratio | 94.1385% | 591 |
| Assets per employee ($millions) | 2.7904% | 5,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5008% | 2,466 |
| Loan loss allowance to noncurrent loans | 51.6667% | 5,055 |
| Noncurrent assets plus other real estate owned to assets | 2.8875% | 725 |
| Noncurrent loans to loans | 2.9048% | 785 |
| Net loans and leases to total assets | 72.9144% | 1,774 |
| Net loans and leases to deposits | 76.6998% | 3,119 |
| Net loans and leases to core deposits | 82.4381% | 3,056 |
| Total domestic deposits to total assets | 95.0646% | 20 |
| Equity capital to assets | 4.6026% | 6,469 |
| Core capital (leverage) ratio | 4.0214% | 6,479 |
| Tier 1 risk-based capital ratio | 6.0350% | 6,480 |
| Total risk-based capital ratio | 7.2881% | 6,478 |
| Memoranda: | ||
| Average total assets | $39,297,200 | 6,054 |
| Average earning assets | $36,457,200 | 6,029 |
| Average equity | $1,668,200 | 6,441 |
| Average total loans | $29,012,400 | 5,603 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6127% | 270 |
| Cost of funding earning assets | 0.7440% | 921 |
| Net interest margin | 4.8688% | 364 |
| Noninterest income to average assets | 0.2710% | 5,273 |
| Noninterest expense to average assets | 4.6990% | 388 |
| Loan and lease loss provision to assets | 0.0203% | 3,997 |
| Net operating income to assets | 0.0745% | 6,056 |
| Return on assets (ROA) | 0.0745% | 6,082 |
| Pretax return on assets | 0.0745% | 6,088 |
| Return on Equity (ROE) | 1.7931% | 5,886 |
| Retained earnings to average equity (ytd only) | 1.7931% | 5,157 |
| Net charge-offs to loans | 0.2021% | 1,851 |
| Credit loss provision to net charge-offs | 13.6364% | 3,658 |
| Earnings coverage of net charge-offs (x) | 0.6363% | 4,346 |
| Efficiency ratio | 98.0212% | 431 |
| Assets per employee ($millions) | 2.8019% | 5,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5715% | 2,413 |
| Loan loss allowance to noncurrent loans | 46.7078% | 5,259 |
| Noncurrent assets plus other real estate owned to assets | 3.2122% | 703 |
| Noncurrent loans to loans | 3.3646% | 732 |
| Net loans and leases to total assets | 72.4902% | 1,767 |
| Net loans and leases to deposits | 76.0497% | 3,177 |
| Net loans and leases to core deposits | 81.6933% | 3,130 |
| Total domestic deposits to total assets | 95.3194% | 25 |
| Equity capital to assets | 4.3441% | 6,542 |
| Core capital (leverage) ratio | 4.0401% | 6,552 |
| Tier 1 risk-based capital ratio | 6.0961% | 6,553 |
| Total risk-based capital ratio | 7.3507% | 6,552 |
| Memoranda: | ||
| Average total assets | $39,355,250 | 6,125 |
| Average earning assets | $36,558,750 | 6,099 |
| Average equity | $1,635,750 | 6,523 |
| Average total loans | $29,036,000 | 5,660 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5526% | 282 |
| Cost of funding earning assets | 0.7385% | 975 |
| Net interest margin | 4.8141% | 404 |
| Noninterest income to average assets | 0.2843% | 5,147 |
| Noninterest expense to average assets | 4.6093% | 410 |
| Loan and lease loss provision to assets | 0.0305% | 3,667 |
| Net operating income to assets | 0.1117% | 6,024 |
| Return on assets (ROA) | 0.1117% | 6,065 |
| Pretax return on assets | 0.1117% | 6,077 |
| Return on Equity (ROE) | 2.7278% | 5,612 |
| Retained earnings to average equity (ytd only) | 2.7278% | 4,462 |
| Net charge-offs to loans | 0.1925% | 1,873 |
| Credit loss provision to net charge-offs | 21.4286% | 3,185 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 3,916 |
| Efficiency ratio | 97.0085% | 509 |
| Assets per employee ($millions) | 2.8260% | 5,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6334% | 2,350 |
| Loan loss allowance to noncurrent loans | 53.8991% | 5,012 |
| Noncurrent assets plus other real estate owned to assets | 2.7980% | 933 |
| Noncurrent loans to loans | 3.0305% | 948 |
| Net loans and leases to total assets | 71.5398% | 1,821 |
| Net loans and leases to deposits | 75.0690% | 3,185 |
| Net loans and leases to core deposits | 80.5831% | 3,150 |
| Total domestic deposits to total assets | 95.2988% | 27 |
| Equity capital to assets | 4.2943% | 6,608 |
| Core capital (leverage) ratio | 4.0170% | 6,611 |
| Tier 1 risk-based capital ratio | 6.1085% | 6,614 |
| Total risk-based capital ratio | 7.3657% | 6,612 |
| Memoranda: | ||
| Average total assets | $39,398,330 | 6,188 |
| Average earning assets | $36,559,330 | 6,156 |
| Average equity | $1,613,000 | 6,592 |
| Average total loans | $29,085,000 | 5,691 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5972% | 255 |
| Cost of funding earning assets | 0.7353% | 1,045 |
| Net interest margin | 4.8619% | 342 |
| Noninterest income to average assets | 0.2645% | 5,248 |
| Noninterest expense to average assets | 4.6801% | 393 |
| Loan and lease loss provision to assets | 0.0610% | 2,889 |
| Net operating income to assets | 0.0305% | 6,165 |
| Return on assets (ROA) | 0.0305% | 6,183 |
| Pretax return on assets | 0.0305% | 6,178 |
| Return on Equity (ROE) | 0.7643% | 6,089 |
| Retained earnings to average equity (ytd only) | 0.7643% | 5,283 |
| Net charge-offs to loans | 0.4241% | 860 |
| Credit loss provision to net charge-offs | 19.3548% | 2,511 |
| Earnings coverage of net charge-offs (x) | 0.2903% | 3,380 |
| Efficiency ratio | 98.0810% | 539 |
| Assets per employee ($millions) | 2.8112% | 6,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5920% | 2,742 |
| Loan loss allowance to noncurrent loans | 52.8879% | 5,080 |
| Noncurrent assets plus other real estate owned to assets | 3.3438% | 789 |
| Noncurrent loans to loans | 3.0101% | 1,046 |
| Net loans and leases to total assets | 73.3491% | 1,378 |
| Net loans and leases to deposits | 76.7011% | 2,728 |
| Net loans and leases to core deposits | 82.3435% | 2,706 |
| Total domestic deposits to total assets | 95.6297% | 23 |
| Equity capital to assets | 4.1162% | 6,667 |
| Core capital (leverage) ratio | 3.9757% | 6,679 |
| Tier 1 risk-based capital ratio | 5.9601% | 6,679 |
| Total risk-based capital ratio | 7.2168% | 6,680 |
| Memoranda: | ||
| Average total assets | $39,315,500 | 6,251 |
| Average earning assets | $36,447,000 | 6,224 |
| Average equity | $1,570,000 | 6,659 |
| Average total loans | $29,240,500 | 5,738 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9613% | 184 |
| Cost of funding earning assets | 0.7900% | 1,267 |
| Net interest margin | 5.1712% | 225 |
| Noninterest income to average assets | 0.1334% | 6,264 |
| Noninterest expense to average assets | 5.3776% | 268 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.4746% | 6,484 |
| Return on assets (ROA) | -0.0231% | 6,275 |
| Pretax return on assets | -0.0231% | 6,249 |
| Return on Equity (ROE) | -0.5172% | 6,299 |
| Retained earnings to average equity (ytd only) | -0.5172% | 5,979 |
| Net charge-offs to loans | 0.2040% | 2,841 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | -3.3036% | 5,361 |
| Efficiency ratio | 109.6808% | 274 |
| Assets per employee ($millions) | 2.6183% | 6,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6881% | 2,439 |
| Loan loss allowance to noncurrent loans | 54.4248% | 5,072 |
| Noncurrent assets plus other real estate owned to assets | 3.4807% | 840 |
| Noncurrent loans to loans | 3.1016% | 1,108 |
| Net loans and leases to total assets | 72.9592% | 1,525 |
| Net loans and leases to deposits | 76.1285% | 2,951 |
| Net loans and leases to core deposits | 81.7238% | 2,930 |
| Total domestic deposits to total assets | 95.8369% | 30 |
| Equity capital to assets | 3.8702% | 6,745 |
| Core capital (leverage) ratio | 3.9907% | 6,753 |
| Tier 1 risk-based capital ratio | 5.9301% | 6,755 |
| Total risk-based capital ratio | 7.1906% | 6,755 |
| Memoranda: | ||
| Average total assets | $38,976,800 | 6,313 |
| Average earning assets | $35,948,800 | 6,289 |
| Average equity | $1,740,200 | 6,727 |
| Average total loans | $27,450,000 | 5,872 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0007% | 179 |
| Cost of funding earning assets | 0.7956% | 1,350 |
| Net interest margin | 5.2051% | 216 |
| Noninterest income to average assets | 0.0480% | 6,643 |
| Noninterest expense to average assets | 5.3328% | 275 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.4867% | 6,592 |
| Return on assets (ROA) | 0.0891% | 6,211 |
| Pretax return on assets | 0.0891% | 6,217 |
| Return on Equity (ROE) | 1.9312% | 5,961 |
| Retained earnings to average equity (ytd only) | 1.9312% | 5,163 |
| Net charge-offs to loans | 0.2269% | 2,452 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -3.0871% | 5,107 |
| Efficiency ratio | 110.0424% | 266 |
| Assets per employee ($millions) | 2.4240% | 6,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8188% | 2,242 |
| Loan loss allowance to noncurrent loans | 52.4008% | 5,126 |
| Noncurrent assets plus other real estate owned to assets | 3.6665% | 901 |
| Noncurrent loans to loans | 3.4710% | 1,100 |
| Net loans and leases to total assets | 69.8690% | 1,997 |
| Net loans and leases to deposits | 73.0621% | 3,391 |
| Net loans and leases to core deposits | 77.9529% | 3,366 |
| Total domestic deposits to total assets | 95.6296% | 27 |
| Equity capital to assets | 4.0687% | 6,813 |
| Core capital (leverage) ratio | 4.1315% | 6,820 |
| Tier 1 risk-based capital ratio | 6.0110% | 6,829 |
| Total risk-based capital ratio | 7.2681% | 6,829 |
| Memoranda: | ||
| Average total assets | $38,902,500 | 6,385 |
| Average earning assets | $35,861,500 | 6,360 |
| Average equity | $1,795,250 | 6,800 |
| Average total loans | $27,026,000 | 5,946 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1499% | 140 |
| Cost of funding earning assets | 0.8043% | 1,388 |
| Net interest margin | 5.3455% | 172 |
| Noninterest income to average assets | 0.0360% | 6,709 |
| Noninterest expense to average assets | 5.4491% | 268 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.4982% | 6,631 |
| Return on assets (ROA) | 0.3646% | 5,522 |
| Pretax return on assets | 0.3646% | 5,720 |
| Return on Equity (ROE) | 7.6031% | 3,288 |
| Retained earnings to average equity (ytd only) | 7.6031% | 1,626 |
| Net charge-offs to loans | 0.3503% | 1,793 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -2.0638% | 4,773 |
| Efficiency ratio | 110.0622% | 276 |
| Assets per employee ($millions) | 2.4241% | 6,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8473% | 2,269 |
| Loan loss allowance to noncurrent loans | 51.0183% | 5,158 |
| Noncurrent assets plus other real estate owned to assets | 3.9886% | 864 |
| Noncurrent loans to loans | 3.6208% | 1,136 |
| Net loans and leases to total assets | 68.6330% | 2,117 |
| Net loans and leases to deposits | 71.9810% | 3,449 |
| Net loans and leases to core deposits | 77.3657% | 3,373 |
| Total domestic deposits to total assets | 95.3488% | 36 |
| Equity capital to assets | 4.3495% | 6,857 |
| Core capital (leverage) ratio | 4.2170% | 6,870 |
| Tier 1 risk-based capital ratio | 6.2176% | 6,867 |
| Total risk-based capital ratio | 7.4747% | 6,867 |
| Memoranda: | ||
| Average total assets | $38,942,000 | 6,436 |
| Average earning assets | $35,805,670 | 6,412 |
| Average equity | $1,867,670 | 6,838 |
| Average total loans | $26,834,670 | 5,985 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7931% | 235 |
| Cost of funding earning assets | 0.8037% | 1,504 |
| Net interest margin | 4.9894% | 299 |
| Noninterest income to average assets | 0.5331% | 3,548 |
| Noninterest expense to average assets | 5.6074% | 253 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.4921% | 6,667 |
| Return on assets (ROA) | 0.3588% | 5,453 |
| Pretax return on assets | 0.3588% | 5,686 |
| Return on Equity (ROE) | 7.1502% | 3,411 |
| Retained earnings to average equity (ytd only) | 7.1502% | 2,090 |
| Net charge-offs to loans | 0.0300% | 3,612 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -24.0000% | 4,127 |
| Efficiency ratio | 109.6192% | 332 |
| Assets per employee ($millions) | 2.3084% | 6,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0497% | 1,921 |
| Loan loss allowance to noncurrent loans | 58.0234% | 4,814 |
| Noncurrent assets plus other real estate owned to assets | 4.2837% | 885 |
| Noncurrent loans to loans | 3.5325% | 1,355 |
| Net loans and leases to total assets | 66.4900% | 2,283 |
| Net loans and leases to deposits | 70.4942% | 3,398 |
| Net loans and leases to core deposits | 74.6168% | 3,502 |
| Total domestic deposits to total assets | 94.3199% | 58 |
| Equity capital to assets | 4.9946% | 6,890 |
| Core capital (leverage) ratio | 4.1468% | 6,930 |
| Tier 1 risk-based capital ratio | 5.9923% | 6,928 |
| Total risk-based capital ratio | 7.2535% | 6,929 |
| Memoranda: | ||
| Average total assets | $39,020,000 | 6,492 |
| Average earning assets | $35,836,000 | 6,471 |
| Average equity | $1,958,000 | 6,887 |
| Average total loans | $26,691,500 | 6,038 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0906% | 239 |
| Cost of funding earning assets | 0.8838% | 2,047 |
| Net interest margin | 5.2067% | 268 |
| Noninterest income to average assets | 0.7658% | 2,413 |
| Noninterest expense to average assets | 5.0797% | 357 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.5061% | 4,663 |
| Return on assets (ROA) | 0.7500% | 3,756 |
| Pretax return on assets | 0.7500% | 4,475 |
| Return on Equity (ROE) | 16.9251% | 545 |
| Retained earnings to average equity (ytd only) | 16.9251% | 93 |
| Net charge-offs to loans | 0.1476% | 4,213 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 4.9487% | 3,196 |
| Efficiency ratio | 90.9390% | 996 |
| Assets per employee ($millions) | 2.4249% | 6,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0490% | 1,894 |
| Loan loss allowance to noncurrent loans | 64.4706% | 4,468 |
| Noncurrent assets plus other real estate owned to assets | 3.9925% | 1,072 |
| Noncurrent loans to loans | 3.1782% | 1,625 |
| Net loans and leases to total assets | 67.5215% | 2,276 |
| Net loans and leases to deposits | 71.7156% | 3,455 |
| Net loans and leases to core deposits | 77.1635% | 3,377 |
| Total domestic deposits to total assets | 94.1518% | 64 |
| Equity capital to assets | 5.0415% | 6,949 |
| Core capital (leverage) ratio | 4.0617% | 6,987 |
| Tier 1 risk-based capital ratio | 5.9205% | 6,993 |
| Total risk-based capital ratio | 7.1792% | 6,997 |
| Memoranda: | ||
| Average total assets | $38,132,400 | 6,555 |
| Average earning assets | $35,300,400 | 6,523 |
| Average equity | $1,689,800 | 7,002 |
| Average total loans | $26,429,600 | 6,117 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1739% | 225 |
| Cost of funding earning assets | 0.8939% | 2,214 |
| Net interest margin | 5.2800% | 252 |
| Noninterest income to average assets | 0.6040% | 3,246 |
| Noninterest expense to average assets | 5.0254% | 360 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4741% | 4,934 |
| Return on assets (ROA) | 0.8007% | 3,693 |
| Pretax return on assets | 0.8007% | 4,482 |
| Return on Equity (ROE) | 18.7272% | 422 |
| Retained earnings to average equity (ytd only) | 18.7272% | 100 |
| Net charge-offs to loans | 0.1923% | 3,580 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 3.5524% | 3,597 |
| Efficiency ratio | 91.3793% | 932 |
| Assets per employee ($millions) | 2.4301% | 6,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0566% | 2,018 |
| Loan loss allowance to noncurrent loans | 114.1372% | 2,890 |
| Noncurrent assets plus other real estate owned to assets | 3.3563% | 1,508 |
| Noncurrent loans to loans | 1.8018% | 3,075 |
| Net loans and leases to total assets | 67.2445% | 2,415 |
| Net loans and leases to deposits | 71.1127% | 3,731 |
| Net loans and leases to core deposits | 76.4727% | 3,674 |
| Total domestic deposits to total assets | 94.5605% | 53 |
| Equity capital to assets | 4.6988% | 7,064 |
| Core capital (leverage) ratio | 3.9519% | 7,097 |
| Tier 1 risk-based capital ratio | 5.6470% | 7,095 |
| Total risk-based capital ratio | 6.9085% | 7,097 |
| Memoranda: | ||
| Average total assets | $37,966,000 | 6,637 |
| Average earning assets | $35,201,250 | 6,607 |
| Average equity | $1,623,250 | 7,105 |
| Average total loans | $26,350,750 | 6,198 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2133% | 210 |
| Cost of funding earning assets | 0.9097% | 2,323 |
| Net interest margin | 5.3036% | 243 |
| Noninterest income to average assets | 0.5364% | 3,674 |
| Noninterest expense to average assets | 5.0928% | 352 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3664% | 5,353 |
| Return on assets (ROA) | 0.8603% | 3,354 |
| Pretax return on assets | 0.8603% | 4,232 |
| Return on Equity (ROE) | 20.8316% | 299 |
| Retained earnings to average equity (ytd only) | 20.8316% | 89 |
| Net charge-offs to loans | 0.2744% | 2,943 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 1.9167% | 4,020 |
| Efficiency ratio | 93.2879% | 846 |
| Assets per employee ($millions) | 2.5157% | 6,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0919% | 2,019 |
| Loan loss allowance to noncurrent loans | 137.4065% | 2,418 |
| Noncurrent assets plus other real estate owned to assets | 3.0820% | 1,779 |
| Noncurrent loans to loans | 1.5224% | 3,621 |
| Net loans and leases to total assets | 68.3424% | 2,225 |
| Net loans and leases to deposits | 72.0625% | 3,598 |
| Net loans and leases to core deposits | 77.6426% | 3,568 |
| Total domestic deposits to total assets | 94.8377% | 58 |
| Equity capital to assets | 4.4972% | 7,113 |
| Core capital (leverage) ratio | 3.8475% | 7,142 |
| Tier 1 risk-based capital ratio | 5.4813% | 7,144 |
| Total risk-based capital ratio | 6.7427% | 7,145 |
| Memoranda: | ||
| Average total assets | $37,660,670 | 6,688 |
| Average earning assets | $34,957,330 | 6,660 |
| Average equity | $1,555,330 | 7,169 |
| Average total loans | $26,236,000 | 6,246 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2008% | 231 |
| Cost of funding earning assets | 0.9364% | 2,397 |
| Net interest margin | 5.2644% | 272 |
| Noninterest income to average assets | 0.3827% | 4,806 |
| Noninterest expense to average assets | 5.1670% | 331 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1169% | 6,202 |
| Return on assets (ROA) | 1.1057% | 2,245 |
| Pretax return on assets | 1.1057% | 3,302 |
| Return on Equity (ROE) | 28.0229% | 128 |
| Retained earnings to average equity (ytd only) | 28.0229% | 69 |
| Net charge-offs to loans | 0.5500% | 1,713 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.3056% | 4,209 |
| Efficiency ratio | 97.7867% | 645 |
| Assets per employee ($millions) | 2.5191% | 6,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0946% | 2,110 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 2.7920% | 2,100 |
| Noncurrent loans to loans | 2.0946% | 3,033 |
| Net loans and leases to total assets | 68.1602% | 2,084 |
| Net loans and leases to deposits | 71.3830% | 3,530 |
| Net loans and leases to core deposits | 76.5265% | 3,553 |
| Total domestic deposits to total assets | 95.4851% | 47 |
| Equity capital to assets | 4.0650% | 7,181 |
| Core capital (leverage) ratio | 3.7066% | 7,198 |
| Tier 1 risk-based capital ratio | 5.4535% | 7,190 |
| Total risk-based capital ratio | 6.7138% | 7,193 |
| Memoranda: | ||
| Average total assets | $37,623,500 | 6,744 |
| Average earning assets | $35,027,500 | 6,708 |
| Average equity | $1,484,500 | 7,236 |
| Average total loans | $26,184,000 | 6,298 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1847% | 319 |
| Cost of funding earning assets | 1.1364% | 2,435 |
| Net interest margin | 5.0482% | 371 |
| Noninterest income to average assets | 0.4661% | 4,086 |
| Noninterest expense to average assets | 4.9297% | 399 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.2192% | 5,529 |
| Return on assets (ROA) | 0.2913% | 5,441 |
| Pretax return on assets | 0.2913% | 5,581 |
| Return on Equity (ROE) | 7.8900% | 2,966 |
| Retained earnings to average equity (ytd only) | 7.8900% | 1,119 |
| Net charge-offs to loans | 0.1497% | 4,945 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 1.9750% | 4,303 |
| Efficiency ratio | 95.7435% | 832 |
| Assets per employee ($millions) | 2.4974% | 6,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2523% | 1,708 |
| Loan loss allowance to noncurrent loans | 52.9306% | 4,863 |
| Noncurrent assets plus other real estate owned to assets | 4.7062% | 1,161 |
| Noncurrent loans to loans | 4.2552% | 1,439 |
| Net loans and leases to total assets | 68.0041% | 2,392 |
| Net loans and leases to deposits | 71.1036% | 3,936 |
| Net loans and leases to core deposits | 76.5820% | 3,893 |
| Total domestic deposits to total assets | 95.6408% | 44 |
| Equity capital to assets | 3.8253% | 7,231 |
| Core capital (leverage) ratio | 3.4455% | 7,240 |
| Tier 1 risk-based capital ratio | 5.1783% | 7,239 |
| Total risk-based capital ratio | 6.4437% | 7,240 |
| Memoranda: | ||
| Average total assets | $36,046,600 | 6,797 |
| Average earning assets | $33,437,600 | 6,767 |
| Average equity | $1,330,800 | 7,308 |
| Average total loans | $26,720,800 | 6,317 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2854% | 279 |
| Cost of funding earning assets | 1.1886% | 2,394 |
| Net interest margin | 5.0968% | 341 |
| Noninterest income to average assets | 0.4109% | 4,581 |
| Noninterest expense to average assets | 5.0018% | 374 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.1345% | 5,875 |
| Return on assets (ROA) | 0.2316% | 5,750 |
| Pretax return on assets | 0.2316% | 5,839 |
| Return on Equity (ROE) | 6.3329% | 3,856 |
| Retained earnings to average equity (ytd only) | 6.3329% | 2,342 |
| Net charge-offs to loans | 0.0347% | 5,662 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 5.1447% | 2,864 |
| Efficiency ratio | 97.3818% | 758 |
| Assets per employee ($millions) | 2.5247% | 6,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3183% | 1,660 |
| Loan loss allowance to noncurrent loans | 44.2225% | 5,372 |
| Noncurrent assets plus other real estate owned to assets | 5.0065% | 1,148 |
| Noncurrent loans to loans | 5.2423% | 1,163 |
| Net loans and leases to total assets | 68.9815% | 2,281 |
| Net loans and leases to deposits | 72.0881% | 3,975 |
| Net loans and leases to core deposits | 77.5676% | 3,970 |
| Total domestic deposits to total assets | 95.6906% | 36 |
| Equity capital to assets | 3.7416% | 7,335 |
| Core capital (leverage) ratio | 3.3917% | 7,334 |
| Tier 1 risk-based capital ratio | 4.9174% | 7,325 |
| Total risk-based capital ratio | 6.1805% | 7,328 |
| Memoranda: | ||
| Average total assets | $35,693,000 | 6,867 |
| Average earning assets | $33,091,750 | 6,840 |
| Average equity | $1,305,250 | 7,385 |
| Average total loans | $26,885,500 | 6,363 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4045% | 237 |
| Cost of funding earning assets | 1.2636% | 2,156 |
| Net interest margin | 5.1410% | 313 |
| Noninterest income to average assets | 0.3546% | 5,052 |
| Noninterest expense to average assets | 5.1363% | 332 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.0343% | 6,278 |
| Return on assets (ROA) | 0.1144% | 6,066 |
| Pretax return on assets | 0.1144% | 6,080 |
| Return on Equity (ROE) | 3.1546% | 5,329 |
| Retained earnings to average equity (ytd only) | 3.1546% | 4,265 |
| Net charge-offs to loans | 0.0149% | 5,637 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | -3.0000% | 5,752 |
| Efficiency ratio | 100.6726% | 702 |
| Assets per employee ($millions) | 2.3059% | 7,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3074% | 1,727 |
| Loan loss allowance to noncurrent loans | 72.5900% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 4.3483% | 1,459 |
| Noncurrent loans to loans | 3.1786% | 2,256 |
| Net loans and leases to total assets | 76.5063% | 999 |
| Net loans and leases to deposits | 79.9867% | 2,802 |
| Net loans and leases to core deposits | 85.4219% | 3,009 |
| Total domestic deposits to total assets | 95.6488% | 37 |
| Equity capital to assets | 3.8482% | 7,402 |
| Core capital (leverage) ratio | 3.4415% | 7,406 |
| Tier 1 risk-based capital ratio | 5.2629% | 7,393 |
| Total risk-based capital ratio | 6.5304% | 7,393 |
| Memoranda: | ||
| Average total assets | $34,967,000 | 6,961 |
| Average earning assets | $32,289,670 | 6,928 |
| Average equity | $1,268,000 | 7,460 |
| Average total loans | $26,932,670 | 6,419 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7369% | 156 |
| Cost of funding earning assets | 1.2956% | 2,205 |
| Net interest margin | 5.4413% | 179 |
| Noninterest income to average assets | 0.2389% | 5,995 |
| Noninterest expense to average assets | 5.2793% | 294 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.0228% | 6,379 |
| Return on assets (ROA) | 0.2617% | 5,639 |
| Pretax return on assets | 0.2617% | 5,773 |
| Return on Equity (ROE) | 7.4404% | 3,178 |
| Retained earnings to average equity (ytd only) | 7.4404% | 1,966 |
| Net charge-offs to loans | -0.0149% | 6,479 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.4329% | 722 |
| Assets per employee ($millions) | 2.3293% | 7,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3452% | 1,693 |
| Loan loss allowance to noncurrent loans | 129.4845% | 2,265 |
| Noncurrent assets plus other real estate owned to assets | 3.7521% | 1,802 |
| Noncurrent loans to loans | 1.8112% | 3,812 |
| Net loans and leases to total assets | 74.8426% | 1,212 |
| Net loans and leases to deposits | 77.8459% | 3,083 |
| Net loans and leases to core deposits | 84.2950% | 3,131 |
| Total domestic deposits to total assets | 96.1420% | 30 |
| Equity capital to assets | 3.6176% | 7,464 |
| Core capital (leverage) ratio | 3.4302% | 7,465 |
| Tier 1 risk-based capital ratio | 5.2662% | 7,446 |
| Total risk-based capital ratio | 6.5356% | 7,446 |
| Memoranda: | ||
| Average total assets | $35,156,500 | 7,002 |
| Average earning assets | $32,418,500 | 6,974 |
| Average equity | $1,236,500 | 7,517 |
| Average total loans | $26,855,500 | 6,477 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3036% | 460 |
| Cost of funding earning assets | 1.4186% | 3,144 |
| Net interest margin | 4.8850% | 563 |
| Noninterest income to average assets | 0.5569% | 3,779 |
| Noninterest expense to average assets | 6.4110% | 191 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | -1.3648% | 6,859 |
| Return on assets (ROA) | -1.2118% | 6,813 |
| Pretax return on assets | -1.2118% | 6,746 |
| Return on Equity (ROE) | -26.0870% | 7,155 |
| Retained earnings to average equity (ytd only) | -26.0870% | 7,138 |
| Net charge-offs to loans | 0.7988% | 2,641 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | -2.3723% | 6,723 |
| Efficiency ratio | 127.0467% | 342 |
| Assets per employee ($millions) | 1.9652% | 7,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3280% | 1,651 |
| Loan loss allowance to noncurrent loans | 47.2494% | 5,156 |
| Noncurrent assets plus other real estate owned to assets | 5.6851% | 1,076 |
| Noncurrent loans to loans | 4.9270% | 1,377 |
| Net loans and leases to total assets | 74.3675% | 1,585 |
| Net loans and leases to deposits | 77.2207% | 3,632 |
| Net loans and leases to core deposits | 84.8526% | 3,476 |
| Total domestic deposits to total assets | 96.3051% | 30 |
| Equity capital to assets | 3.4179% | 7,539 |
| Core capital (leverage) ratio | 3.3169% | 7,538 |
| Tier 1 risk-based capital ratio | 4.9949% | 7,525 |
| Total risk-based capital ratio | 6.2637% | 7,527 |
| Memoranda: | ||
| Average total assets | $32,678,400 | 7,126 |
| Average earning assets | $30,030,600 | 7,088 |
| Average equity | $1,518,000 | 7,588 |
| Average total loans | $23,534,600 | 6,751 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2620% | 545 |
| Cost of funding earning assets | 1.4213% | 3,450 |
| Net interest margin | 4.8407% | 614 |
| Noninterest income to average assets | 0.5791% | 3,587 |
| Noninterest expense to average assets | 6.3239% | 195 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | -0.8623% | 6,821 |
| Return on assets (ROA) | -0.7249% | 6,789 |
| Pretax return on assets | -1.0956% | 6,899 |
| Return on Equity (ROE) | -14.5425% | 7,090 |
| Retained earnings to average equity (ytd only) | -14.5425% | 7,060 |
| Net charge-offs to loans | 0.3879% | 3,736 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | -4.7423% | 6,587 |
| Efficiency ratio | 125.9751% | 331 |
| Assets per employee ($millions) | 1.9826% | 7,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8848% | 926 |
| Loan loss allowance to noncurrent loans | 70.2627% | 3,803 |
| Noncurrent assets plus other real estate owned to assets | 5.0859% | 1,262 |
| Noncurrent loans to loans | 4.1057% | 1,804 |
| Net loans and leases to total assets | 70.6560% | 2,575 |
| Net loans and leases to deposits | 74.1138% | 4,487 |
| Net loans and leases to core deposits | 77.6683% | 4,839 |
| Total domestic deposits to total assets | 95.3344% | 35 |
| Equity capital to assets | 4.3573% | 7,621 |
| Core capital (leverage) ratio | 3.9977% | 7,621 |
| Tier 1 risk-based capital ratio | 6.1246% | 7,599 |
| Total risk-based capital ratio | 7.3940% | 7,601 |
| Memoranda: | ||
| Average total assets | $32,004,750 | 7,228 |
| Average earning assets | $29,361,500 | 7,195 |
| Average equity | $1,595,250 | 7,666 |
| Average total loans | $22,685,000 | 6,873 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2063% | 615 |
| Cost of funding earning assets | 1.4344% | 3,645 |
| Net interest margin | 4.7719% | 692 |
| Noninterest income to average assets | 0.7213% | 2,568 |
| Noninterest expense to average assets | 6.4463% | 181 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -0.8968% | 6,901 |
| Return on assets (ROA) | -0.6823% | 6,813 |
| Pretax return on assets | -1.0332% | 6,904 |
| Return on Equity (ROE) | -13.0543% | 7,078 |
| Retained earnings to average equity (ytd only) | -13.0543% | 7,037 |
| Net charge-offs to loans | 0.6113% | 2,698 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | -3.1667% | 6,261 |
| Efficiency ratio | 126.6922% | 344 |
| Assets per employee ($millions) | 1.9418% | 7,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0034% | 817 |
| Loan loss allowance to noncurrent loans | 80.6243% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 4.9266% | 1,314 |
| Noncurrent loans to loans | 3.7252% | 2,092 |
| Net loans and leases to total assets | 69.2044% | 3,085 |
| Net loans and leases to deposits | 72.6615% | 4,888 |
| Net loans and leases to core deposits | 77.4271% | 5,034 |
| Total domestic deposits to total assets | 95.2422% | 43 |
| Equity capital to assets | 4.5089% | 7,663 |
| Core capital (leverage) ratio | 4.7255% | 7,634 |
| Tier 1 risk-based capital ratio | 6.4474% | 7,639 |
| Total risk-based capital ratio | 7.7220% | 7,641 |
| Memoranda: | ||
| Average total assets | $30,777,330 | 7,315 |
| Average earning assets | $28,165,000 | 7,285 |
| Average equity | $1,608,670 | 7,729 |
| Average total loans | $21,592,000 | 6,988 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5280% | 339 |
| Cost of funding earning assets | 1.4864% | 3,643 |
| Net interest margin | 5.0416% | 384 |
| Noninterest income to average assets | 0.7668% | 2,194 |
| Noninterest expense to average assets | 6.8039% | 160 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.9573% | 7,085 |
| Return on assets (ROA) | -0.9481% | 7,107 |
| Pretax return on assets | -1.4361% | 7,237 |
| Return on Equity (ROE) | -16.7385% | 7,362 |
| Retained earnings to average equity (ytd only) | -16.7385% | 7,270 |
| Net charge-offs to loans | 0.0201% | 5,306 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -104.0000% | 5,604 |
| Efficiency ratio | 127.0833% | 366 |
| Assets per employee ($millions) | 1.7197% | 7,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0313% | 366 |
| Loan loss allowance to noncurrent loans | 66.3407% | 4,045 |
| Noncurrent assets plus other real estate owned to assets | 6.7795% | 812 |
| Noncurrent loans to loans | 6.0767% | 1,076 |
| Net loans and leases to total assets | 66.2836% | 3,791 |
| Net loans and leases to deposits | 70.3248% | 5,296 |
| Net loans and leases to core deposits | 75.9534% | 5,264 |
| Total domestic deposits to total assets | 94.2535% | 65 |
| Equity capital to assets | 5.4284% | 7,682 |
| Core capital (leverage) ratio | 5.2736% | 7,680 |
| Tier 1 risk-based capital ratio | 7.7033% | 7,642 |
| Total risk-based capital ratio | 8.9897% | 7,647 |
| Memoranda: | ||
| Average total assets | $28,689,500 | 7,488 |
| Average earning assets | $26,103,000 | 7,460 |
| Average equity | $1,625,000 | 7,814 |
| Average total loans | $19,919,000 | 7,156 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6288% | 532 |
| Cost of funding earning assets | 2.0225% | 2,857 |
| Net interest margin | 4.6062% | 968 |
| Noninterest income to average assets | 0.8997% | 1,940 |
| Noninterest expense to average assets | 6.9935% | 207 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | -2.0038% | 7,095 |
| Return on assets (ROA) | -2.0038% | 7,095 |
| Pretax return on assets | -2.0038% | 6,945 |
| Return on Equity (ROE) | -29.2517% | 7,391 |
| Retained earnings to average equity (ytd only) | -29.2517% | 7,373 |
| Net charge-offs to loans | 0.3884% | 4,268 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | -7.7639% | 7,145 |
| Efficiency ratio | 140.1580% | 383 |
| Assets per employee ($millions) | 1.6555% | 7,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1484% | 329 |
| Loan loss allowance to noncurrent loans | 60.8663% | 4,356 |
| Noncurrent assets plus other real estate owned to assets | 7.5895% | 632 |
| Noncurrent loans to loans | 6.8156% | 850 |
| Net loans and leases to total assets | 66.9095% | 3,948 |
| Net loans and leases to deposits | 71.3349% | 5,426 |
| Net loans and leases to core deposits | 89.8554% | 5,145 |
| Total domestic deposits to total assets | 93.7962% | 83 |
| Equity capital to assets | 5.9089% | 7,677 |
| Core capital (leverage) ratio | 5.6319% | 7,690 |
| Tier 1 risk-based capital ratio | 8.5122% | 7,584 |
| Total risk-based capital ratio | 9.7637% | 7,615 |
| Memoranda: | ||
| Average total assets | $27,897,200 | 7,555 |
| Average earning assets | $24,770,800 | 7,554 |
| Average equity | $1,911,000 | 7,856 |
| Average total loans | $18,538,600 | 7,285 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5445% | 684 |
| Cost of funding earning assets | 2.1580% | 2,609 |
| Net interest margin | 4.3865% | 1,479 |
| Noninterest income to average assets | 0.8526% | 2,189 |
| Noninterest expense to average assets | 6.6867% | 229 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | -1.9591% | 7,299 |
| Return on assets (ROA) | -1.9591% | 7,300 |
| Pretax return on assets | -1.9591% | 7,162 |
| Return on Equity (ROE) | -27.6391% | 7,558 |
| Retained earnings to average equity (ytd only) | -27.6391% | 7,543 |
| Net charge-offs to loans | 0.5768% | 2,945 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | -5.1773% | 6,856 |
| Efficiency ratio | 141.4387% | 369 |
| Assets per employee ($millions) | 1.7367% | 7,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4911% | 210 |
| Loan loss allowance to noncurrent loans | 61.0733% | 4,298 |
| Noncurrent assets plus other real estate owned to assets | 8.0505% | 532 |
| Noncurrent loans to loans | 7.3537% | 709 |
| Net loans and leases to total assets | 61.8383% | 5,270 |
| Net loans and leases to deposits | 66.3744% | 6,275 |
| Net loans and leases to core deposits | 83.1382% | 6,109 |
| Total domestic deposits to total assets | 93.1659% | 78 |
| Equity capital to assets | 6.5606% | 7,750 |
| Core capital (leverage) ratio | 6.1933% | 7,763 |
| Tier 1 risk-based capital ratio | 10.2147% | 6,767 |
| Total risk-based capital ratio | 11.5100% | 6,666 |
| Memoranda: | ||
| Average total assets | $27,835,500 | 7,618 |
| Average earning assets | $24,590,000 | 7,627 |
| Average equity | $1,973,000 | 7,925 |
| Average total loans | $18,261,750 | 7,367 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3234% | 1,152 |
| Cost of funding earning assets | 2.2728% | 2,480 |
| Net interest margin | 4.0505% | 2,502 |
| Noninterest income to average assets | 0.8186% | 2,321 |
| Noninterest expense to average assets | 6.5346% | 266 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -2.1327% | 7,460 |
| Return on assets (ROA) | -2.1327% | 7,457 |
| Pretax return on assets | -2.1327% | 7,323 |
| Return on Equity (ROE) | -29.3623% | 7,699 |
| Retained earnings to average equity (ytd only) | -29.3623% | 7,675 |
| Net charge-offs to loans | 0.2289% | 4,068 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | -14.1429% | 6,546 |
| Efficiency ratio | 148.4502% | 379 |
| Assets per employee ($millions) | 1.8659% | 7,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7250% | 152 |
| Loan loss allowance to noncurrent loans | 35.3469% | 6,081 |
| Noncurrent assets plus other real estate owned to assets | 11.3545% | 214 |
| Noncurrent loans to loans | 13.3675% | 171 |
| Net loans and leases to total assets | 62.3888% | 5,285 |
| Net loans and leases to deposits | 67.0790% | 6,279 |
| Net loans and leases to core deposits | 81.0039% | 6,321 |
| Total domestic deposits to total assets | 93.0080% | 100 |
| Equity capital to assets | 6.5740% | 7,797 |
| Core capital (leverage) ratio | 6.4936% | 7,796 |
| Tier 1 risk-based capital ratio | 11.0159% | 5,857 |
| Total risk-based capital ratio | 12.3158% | 5,732 |
| Memoranda: | ||
| Average total assets | $27,851,670 | 7,683 |
| Average earning assets | $24,638,670 | 7,697 |
| Average equity | $2,023,000 | 7,998 |
| Average total loans | $18,352,000 | 7,430 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9000% | 407 |
| Cost of funding earning assets | 2.4050% | 2,272 |
| Net interest margin | 4.4949% | 1,136 |
| Noninterest income to average assets | 0.8494% | 2,083 |
| Noninterest expense to average assets | 6.4644% | 240 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -1.7133% | 7,577 |
| Return on assets (ROA) | -1.7133% | 7,578 |
| Pretax return on assets | -1.7133% | 7,441 |
| Return on Equity (ROE) | -22.5112% | 7,803 |
| Retained earnings to average equity (ytd only) | -22.5112% | 7,710 |
| Net charge-offs to loans | 0.3703% | 2,610 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -7.0000% | 5,595 |
| Efficiency ratio | 136.0606% | 447 |
| Assets per employee ($millions) | 1.8607% | 7,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6759% | 132 |
| Loan loss allowance to noncurrent loans | 46.4744% | 5,411 |
| Noncurrent assets plus other real estate owned to assets | 10.1680% | 218 |
| Noncurrent loans to loans | 10.0613% | 286 |
| Net loans and leases to total assets | 63.5448% | 5,062 |
| Net loans and leases to deposits | 68.9071% | 6,090 |
| Net loans and leases to core deposits | 81.0085% | 6,312 |
| Total domestic deposits to total assets | 92.2181% | 154 |
| Equity capital to assets | 7.2516% | 7,524 |
| Core capital (leverage) ratio | 7.2173% | 7,464 |
| Tier 1 risk-based capital ratio | 11.4571% | 5,455 |
| Total risk-based capital ratio | 12.7516% | 5,307 |
| Memoranda: | ||
| Average total assets | $27,783,000 | 7,738 |
| Average earning assets | $24,116,000 | 7,762 |
| Average equity | $2,114,500 | 8,032 |
| Average total loans | $18,364,000 | 7,466 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0661% | 977 |
| Cost of funding earning assets | 2.9288% | 2,148 |
| Net interest margin | 4.1373% | 2,550 |
| Noninterest income to average assets | 6.5536% | 102 |
| Noninterest expense to average assets | 7.3809% | 265 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 2.5466% | 117 |
| Return on assets (ROA) | 2.4783% | 135 |
| Pretax return on assets | 2.4783% | 208 |
| Return on Equity (ROE) | 42.5834% | 15 |
| Retained earnings to average equity (ytd only) | 42.5834% | 4 |
| Net charge-offs to loans | 0.4717% | 2,474 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 7.9551% | 2,979 |
| Efficiency ratio | 74.3478% | 3,514 |
| Assets per employee ($millions) | 1.5364% | 8,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8946% | 103 |
| Loan loss allowance to noncurrent loans | 51.2717% | 5,434 |
| Noncurrent assets plus other real estate owned to assets | 9.7487% | 175 |
| Noncurrent loans to loans | 9.5464% | 231 |
| Net loans and leases to total assets | 62.3215% | 5,573 |
| Net loans and leases to deposits | 68.6626% | 6,399 |
| Net loans and leases to core deposits | 78.7994% | 6,706 |
| Total domestic deposits to total assets | 90.7648% | 398 |
| Equity capital to assets | 7.9732% | 6,884 |
| Core capital (leverage) ratio | 7.8005% | 6,797 |
| Tier 1 risk-based capital ratio | 12.6365% | 4,335 |
| Total risk-based capital ratio | 13.9054% | 4,238 |
| Memoranda: | ||
| Average total assets | $27,801,600 | 7,738 |
| Average earning assets | $22,671,600 | 7,836 |
| Average equity | $1,618,000 | 8,196 |
| Average total loans | $18,868,000 | 7,411 |