Home > New Citizens State Bank - Interim Bank > Performance and Condition Ratios
New Citizens State Bank - Interim Bank, Performance and Condition Ratios
| 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 | 4.9953% | 1,233 |
| Cost of funding earning assets | 0.5872% | 3,415 |
| Net interest margin | 4.4082% | 676 |
| Noninterest income to average assets | 0.5700% | 1,541 |
| Noninterest expense to average assets | 3.1543% | 857 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.1284% | 2,133 |
| Return on assets (ROA) | 1.1284% | 2,102 |
| Pretax return on assets | 1.5387% | 1,588 |
| Return on Equity (ROE) | 9.0600% | 3,031 |
| Retained earnings to average equity (ytd only) | 9.0628% | 1,934 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 66.4865% | 2,156 |
| Assets per employee ($millions) | 2.8771% | 4,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1225% | 2,946 |
| Loan loss allowance to noncurrent loans | 716.6667% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 0.1173% | 2,694 |
| Noncurrent loans to loans | 0.1566% | 2,703 |
| Net loans and leases to total assets | 74.0600% | 1,193 |
| Net loans and leases to deposits | 85.2360% | 1,411 |
| Net loans and leases to core deposits | 87.4509% | 1,776 |
| Total domestic deposits to total assets | 86.8900% | 2,308 |
| Equity capital to assets | 12.7995% | 805 |
| Core capital (leverage) ratio | 12.5688% | 1,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9726% | 745 |
| Memoranda: | ||
| Average total assets | $46,793,000 | 4,439 |
| Average earning assets | $44,281,500 | 4,408 |
| Average equity | $5,826,000 | 4,261 |
| Average total loans | $34,321,500 | 4,164 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8495% | 2,137 |
| Cost of funding earning assets | 0.3240% | 2,689 |
| Net interest margin | 3.5255% | 1,852 |
| Noninterest income to average assets | 0.7600% | 1,100 |
| Noninterest expense to average assets | 3.3351% | 597 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.5492% | 3,990 |
| Return on assets (ROA) | 0.5492% | 3,954 |
| Pretax return on assets | 0.7309% | 3,794 |
| Return on Equity (ROE) | 4.8900% | 4,036 |
| Retained earnings to average equity (ytd only) | 4.8878% | 3,096 |
| Net charge-offs to loans | 0.0031% | 2,376 |
| Credit loss provision to net charge-offs | 1,000.0000% | 424 |
| Earnings coverage of net charge-offs (x) | 376.0000% | 412 |
| Efficiency ratio | 81.6227% | 617 |
| Assets per employee ($millions) | 2.9721% | 4,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1152% | 2,822 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 71.0400% | 1,523 |
| Net loans and leases to deposits | 81.0479% | 1,691 |
| Net loans and leases to core deposits | 82.4503% | 1,972 |
| Total domestic deposits to total assets | 87.6600% | 2,190 |
| Equity capital to assets | 12.1128% | 898 |
| Core capital (leverage) ratio | 12.2277% | 1,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9844% | 722 |
| Memoranda: | ||
| Average total assets | $50,074,000 | 4,437 |
| Average earning assets | $47,227,200 | 4,404 |
| Average equity | $5,626,200 | 4,368 |
| Average total loans | $32,770,800 | 4,197 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5714% | 2,416 |
| Cost of funding earning assets | 0.2930% | 2,243 |
| Net interest margin | 3.2785% | 2,365 |
| Noninterest income to average assets | 0.6800% | 1,395 |
| Noninterest expense to average assets | 2.8399% | 1,170 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.6837% | 3,607 |
| Return on assets (ROA) | 0.6837% | 3,570 |
| Pretax return on assets | 0.9203% | 3,258 |
| Return on Equity (ROE) | 6.2000% | 3,759 |
| Retained earnings to average equity (ytd only) | 6.1983% | 2,678 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 75.2613% | 1,144 |
| Assets per employee ($millions) | 3.0058% | 4,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1120% | 2,960 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 69.5300% | 1,528 |
| Net loans and leases to deposits | 79.1984% | 1,619 |
| Net loans and leases to core deposits | 81.0393% | 1,827 |
| Total domestic deposits to total assets | 87.7900% | 2,489 |
| Equity capital to assets | 11.9459% | 896 |
| Core capital (leverage) ratio | 11.7909% | 1,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4580% | 686 |
| Memoranda: | ||
| Average total assets | $50,704,250 | 4,468 |
| Average earning assets | $47,785,500 | 4,430 |
| Average equity | $5,592,750 | 4,406 |
| Average total loans | $32,422,250 | 4,227 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2864% | 2,779 |
| Cost of funding earning assets | 0.2973% | 1,736 |
| Net interest margin | 2.9892% | 2,911 |
| Noninterest income to average assets | 0.6747% | 1,446 |
| Noninterest expense to average assets | 2.8270% | 1,121 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4925% | 3,914 |
| Return on assets (ROA) | 0.4925% | 3,863 |
| Pretax return on assets | 0.6554% | 3,699 |
| Return on Equity (ROE) | 4.5832% | 3,892 |
| Retained earnings to average equity (ytd only) | 4.5832% | 2,852 |
| Net charge-offs to loans | -0.0063% | 3,419 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1804% | 859 |
| Assets per employee ($millions) | 3.0721% | 4,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1393% | 2,990 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 65.8441% | 1,714 |
| Net loans and leases to deposits | 74.5119% | 1,803 |
| Net loans and leases to core deposits | 76.1924% | 1,999 |
| Total domestic deposits to total assets | 88.3672% | 2,436 |
| Equity capital to assets | 11.4172% | 1,055 |
| Core capital (leverage) ratio | 10.9669% | 1,633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4944% | 658 |
| Memoranda: | ||
| Average total assets | $51,575,000 | 4,494 |
| Average earning assets | $48,441,333 | 4,476 |
| Average equity | $5,542,000 | 4,462 |
| Average total loans | $31,959,000 | 4,283 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0507% | 3,107 |
| Cost of funding earning assets | 0.3148% | 1,515 |
| Net interest margin | 2.7359% | 3,322 |
| Noninterest income to average assets | 0.6441% | 1,515 |
| Noninterest expense to average assets | 2.7280% | 1,298 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3258% | 4,094 |
| Return on assets (ROA) | 0.3258% | 4,062 |
| Pretax return on assets | 0.4850% | 3,890 |
| Return on Equity (ROE) | 3.1233% | 4,062 |
| Retained earnings to average equity (ytd only) | 3.1233% | 3,217 |
| Net charge-offs to loans | -0.0127% | 3,684 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9057% | 790 |
| Assets per employee ($millions) | 3.3426% | 4,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1836% | 2,947 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 58.2252% | 2,274 |
| Net loans and leases to deposits | 71.0067% | 1,868 |
| Net loans and leases to core deposits | 74.3944% | 1,907 |
| Total domestic deposits to total assets | 81.9996% | 4,075 |
| Equity capital to assets | 10.3381% | 1,668 |
| Core capital (leverage) ratio | 10.4065% | 1,930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5915% | 593 |
| Memoranda: | ||
| Average total assets | $52,785,500 | 4,509 |
| Average earning assets | $49,563,000 | 4,489 |
| Average equity | $5,507,000 | 4,517 |
| Average total loans | $31,569,500 | 4,300 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1401% | 3,607 |
| Cost of funding earning assets | 0.4871% | 981 |
| Net interest margin | 2.6531% | 3,957 |
| Noninterest income to average assets | 0.7773% | 1,514 |
| Noninterest expense to average assets | 2.8010% | 1,361 |
| Loan and lease loss provision to assets | 0.0485% | 2,087 |
| Net operating income to assets | 0.3218% | 4,397 |
| Return on assets (ROA) | 0.3218% | 4,418 |
| Pretax return on assets | 0.4090% | 4,382 |
| Return on Equity (ROE) | 3.0682% | 4,349 |
| Retained earnings to average equity (ytd only) | 3.0682% | 3,606 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9607% | 476 |
| Assets per employee ($millions) | 3.2556% | 4,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1762% | 2,989 |
| Loan loss allowance to noncurrent loans | 251.3514% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 0.2841% | 2,122 |
| Noncurrent loans to loans | 0.4680% | 1,962 |
| Net loans and leases to total assets | 60.0012% | 2,163 |
| Net loans and leases to deposits | 73.4904% | 1,770 |
| Net loans and leases to core deposits | 75.8114% | 1,937 |
| Total domestic deposits to total assets | 81.6449% | 4,016 |
| Equity capital to assets | 10.5301% | 2,148 |
| Core capital (leverage) ratio | 10.6331% | 1,815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2796% | 622 |
| Memoranda: | ||
| Average total assets | $51,589,400 | 4,547 |
| Average earning assets | $48,246,200 | 4,526 |
| Average equity | $5,410,400 | 4,589 |
| Average total loans | $31,275,800 | 4,358 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1323% | 3,740 |
| Cost of funding earning assets | 0.5216% | 944 |
| Net interest margin | 2.6107% | 4,112 |
| Noninterest income to average assets | 0.8187% | 1,467 |
| Noninterest expense to average assets | 2.7332% | 1,506 |
| Loan and lease loss provision to assets | 0.0602% | 1,789 |
| Net operating income to assets | 0.3549% | 4,441 |
| Return on assets (ROA) | 0.3549% | 4,471 |
| Pretax return on assets | 0.4637% | 4,413 |
| Return on Equity (ROE) | 3.3878% | 4,404 |
| Retained earnings to average equity (ytd only) | 3.3878% | 3,773 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9300% | 525 |
| Assets per employee ($millions) | 3.3779% | 4,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2136% | 2,928 |
| Loan loss allowance to noncurrent loans | 170.8333% | 2,746 |
| Noncurrent assets plus other real estate owned to assets | 0.4263% | 1,755 |
| Noncurrent loans to loans | 0.7104% | 1,566 |
| Net loans and leases to total assets | 59.2820% | 2,343 |
| Net loans and leases to deposits | 73.0916% | 1,948 |
| Net loans and leases to core deposits | 75.9988% | 2,047 |
| Total domestic deposits to total assets | 81.1064% | 4,076 |
| Equity capital to assets | 10.7681% | 2,202 |
| Core capital (leverage) ratio | 10.3916% | 2,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2775% | 587 |
| Memoranda: | ||
| Average total assets | $51,464,500 | 4,611 |
| Average earning assets | $48,056,750 | 4,592 |
| Average equity | $5,391,750 | 4,658 |
| Average total loans | $31,188,250 | 4,418 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1714% | 3,726 |
| Cost of funding earning assets | 0.5458% | 964 |
| Net interest margin | 2.6256% | 4,124 |
| Noninterest income to average assets | 0.8119% | 1,507 |
| Noninterest expense to average assets | 2.7257% | 1,525 |
| Loan and lease loss provision to assets | 0.0580% | 1,872 |
| Net operating income to assets | 0.3712% | 4,437 |
| Return on assets (ROA) | 0.3712% | 4,472 |
| Pretax return on assets | 0.4833% | 4,410 |
| Return on Equity (ROE) | 3.5752% | 4,399 |
| Retained earnings to average equity (ytd only) | 3.5752% | 3,659 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4320% | 583 |
| Assets per employee ($millions) | 3.4704% | 4,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1872% | 3,008 |
| Loan loss allowance to noncurrent loans | 482.6667% | 1,314 |
| Noncurrent assets plus other real estate owned to assets | 0.1441% | 3,286 |
| Noncurrent loans to loans | 0.2460% | 3,067 |
| Net loans and leases to total assets | 57.8819% | 2,682 |
| Net loans and leases to deposits | 70.9132% | 2,321 |
| Net loans and leases to core deposits | 75.0124% | 2,326 |
| Total domestic deposits to total assets | 81.6236% | 3,990 |
| Equity capital to assets | 10.4023% | 2,485 |
| Core capital (leverage) ratio | 10.2504% | 2,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8192% | 628 |
| Memoranda: | ||
| Average total assets | $51,730,000 | 4,637 |
| Average earning assets | $48,370,333 | 4,616 |
| Average equity | $5,370,333 | 4,688 |
| Average total loans | $31,449,000 | 4,441 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2138% | 3,661 |
| Cost of funding earning assets | 0.5701% | 1,006 |
| Net interest margin | 2.6437% | 4,066 |
| Noninterest income to average assets | 0.8300% | 1,511 |
| Noninterest expense to average assets | 2.6684% | 1,693 |
| Loan and lease loss provision to assets | 0.0543% | 2,023 |
| Net operating income to assets | 0.4499% | 4,273 |
| Return on assets (ROA) | 0.4499% | 4,307 |
| Pretax return on assets | 0.5895% | 4,206 |
| Return on Equity (ROE) | 4.3381% | 4,218 |
| Retained earnings to average equity (ytd only) | 4.3381% | 3,406 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5621% | 790 |
| Assets per employee ($millions) | 3.7013% | 4,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1597% | 3,149 |
| Loan loss allowance to noncurrent loans | 472.0000% | 1,229 |
| Noncurrent assets plus other real estate owned to assets | 0.1447% | 3,446 |
| Noncurrent loans to loans | 0.2457% | 3,216 |
| Net loans and leases to total assets | 58.2249% | 2,779 |
| Net loans and leases to deposits | 71.3499% | 2,381 |
| Net loans and leases to core deposits | 75.3860% | 2,401 |
| Total domestic deposits to total assets | 81.6048% | 3,971 |
| Equity capital to assets | 10.3767% | 2,371 |
| Core capital (leverage) ratio | 10.2783% | 2,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2958% | 642 |
| Memoranda: | ||
| Average total assets | $51,567,000 | 4,659 |
| Average earning assets | $48,416,500 | 4,639 |
| Average equity | $5,348,000 | 4,707 |
| Average total loans | $31,927,000 | 4,453 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7347% | 3,483 |
| Cost of funding earning assets | 0.9897% | 612 |
| Net interest margin | 2.7450% | 4,326 |
| Noninterest income to average assets | 1.0584% | 945 |
| Noninterest expense to average assets | 2.7319% | 2,138 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.8823% | 2,773 |
| Return on assets (ROA) | 0.8823% | 2,909 |
| Pretax return on assets | 0.9403% | 3,252 |
| Return on Equity (ROE) | 8.3697% | 2,666 |
| Retained earnings to average equity (ytd only) | 8.3697% | 955 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3937% | 1,396 |
| Assets per employee ($millions) | 3.9474% | 4,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0411% | 3,713 |
| Loan loss allowance to noncurrent loans | 456.5789% | 1,231 |
| Noncurrent assets plus other real estate owned to assets | 0.1481% | 3,542 |
| Noncurrent loans to loans | 0.2280% | 3,390 |
| Net loans and leases to total assets | 64.2724% | 2,326 |
| Net loans and leases to deposits | 78.8213% | 1,992 |
| Net loans and leases to core deposits | 83.3152% | 2,096 |
| Total domestic deposits to total assets | 81.5418% | 3,756 |
| Equity capital to assets | 10.3652% | 2,788 |
| Core capital (leverage) ratio | 10.4456% | 2,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0673% | 894 |
| Memoranda: | ||
| Average total assets | $48,281,800 | 4,677 |
| Average earning assets | $45,973,800 | 4,650 |
| Average equity | $5,089,800 | 4,742 |
| Average total loans | $32,970,600 | 4,459 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8458% | 3,421 |
| Cost of funding earning assets | 1.0845% | 565 |
| Net interest margin | 2.7613% | 4,388 |
| Noninterest income to average assets | 1.0268% | 986 |
| Noninterest expense to average assets | 2.7270% | 2,179 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.8529% | 2,897 |
| Return on assets (ROA) | 0.8529% | 3,025 |
| Pretax return on assets | 0.9286% | 3,298 |
| Return on Equity (ROE) | 8.0541% | 2,794 |
| Retained earnings to average equity (ytd only) | 8.0541% | 1,290 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5971% | 1,349 |
| Assets per employee ($millions) | 3.5295% | 4,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0791% | 3,312 |
| Loan loss allowance to noncurrent loans | 444.8718% | 1,162 |
| Noncurrent assets plus other real estate owned to assets | 0.1579% | 3,623 |
| Noncurrent loans to loans | 0.2426% | 3,431 |
| Net loans and leases to total assets | 64.3717% | 2,725 |
| Net loans and leases to deposits | 79.4227% | 2,381 |
| Net loans and leases to core deposits | 84.1437% | 2,458 |
| Total domestic deposits to total assets | 81.0495% | 3,651 |
| Equity capital to assets | 10.5195% | 2,773 |
| Core capital (leverage) ratio | 10.1796% | 2,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3379% | 867 |
| Memoranda: | ||
| Average total assets | $47,523,250 | 4,705 |
| Average earning assets | $45,243,250 | 4,682 |
| Average equity | $5,032,500 | 4,773 |
| Average total loans | $32,881,000 | 4,488 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9643% | 3,418 |
| Cost of funding earning assets | 1.1244% | 660 |
| Net interest margin | 2.8400% | 4,399 |
| Noninterest income to average assets | 0.9340% | 1,097 |
| Noninterest expense to average assets | 2.8064% | 2,083 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.7634% | 3,179 |
| Return on assets (ROA) | 0.7634% | 3,287 |
| Pretax return on assets | 0.8317% | 3,503 |
| Return on Equity (ROE) | 7.1926% | 3,059 |
| Retained earnings to average equity (ytd only) | 7.1926% | 1,576 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1395% | 1,142 |
| Assets per employee ($millions) | 3.6272% | 4,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0762% | 3,203 |
| Loan loss allowance to noncurrent loans | 439.2405% | 1,124 |
| Noncurrent assets plus other real estate owned to assets | 0.1556% | 3,742 |
| Noncurrent loans to loans | 0.2450% | 3,502 |
| Net loans and leases to total assets | 62.8129% | 3,030 |
| Net loans and leases to deposits | 76.7992% | 2,778 |
| Net loans and leases to core deposits | 81.1670% | 2,854 |
| Total domestic deposits to total assets | 81.7885% | 3,426 |
| Equity capital to assets | 9.9880% | 3,217 |
| Core capital (leverage) ratio | 10.5552% | 2,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5691% | 713 |
| Memoranda: | ||
| Average total assets | $46,893,333 | 4,733 |
| Average earning assets | $44,648,000 | 4,709 |
| Average equity | $4,977,333 | 4,803 |
| Average total loans | $33,123,000 | 4,503 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3276% | 2,833 |
| Cost of funding earning assets | 1.2298% | 697 |
| Net interest margin | 3.0979% | 4,100 |
| Noninterest income to average assets | 0.6852% | 1,702 |
| Noninterest expense to average assets | 2.9277% | 2,051 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6407% | 3,473 |
| Return on assets (ROA) | 0.6407% | 3,539 |
| Pretax return on assets | 0.6941% | 3,701 |
| Return on Equity (ROE) | 5.8418% | 3,372 |
| Retained earnings to average equity (ytd only) | 5.8418% | 1,938 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8354% | 1,056 |
| Assets per employee ($millions) | 3.2326% | 4,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0415% | 3,485 |
| Loan loss allowance to noncurrent loans | 433.7500% | 1,092 |
| Noncurrent assets plus other real estate owned to assets | 0.1768% | 3,785 |
| Noncurrent loans to loans | 0.2401% | 3,626 |
| Net loans and leases to total assets | 72.8528% | 1,795 |
| Net loans and leases to deposits | 82.0868% | 2,444 |
| Net loans and leases to core deposits | 86.9007% | 2,606 |
| Total domestic deposits to total assets | 88.7509% | 784 |
| Equity capital to assets | 10.9729% | 2,881 |
| Core capital (leverage) ratio | 10.9367% | 2,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3831% | 1,086 |
| Memoranda: | ||
| Average total assets | $44,949,500 | 4,786 |
| Average earning assets | $42,610,000 | 4,767 |
| Average equity | $4,930,000 | 4,845 |
| Average total loans | $33,562,500 | 4,517 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4679% | 3,051 |
| Cost of funding earning assets | 1.3189% | 733 |
| Net interest margin | 3.1490% | 4,290 |
| Noninterest income to average assets | 0.4687% | 2,909 |
| Noninterest expense to average assets | 2.7821% | 2,663 |
| Loan and lease loss provision to assets | 0.0238% | 3,544 |
| Net operating income to assets | 0.5918% | 4,185 |
| Return on assets (ROA) | 0.5918% | 4,242 |
| Pretax return on assets | 0.6437% | 4,341 |
| Return on Equity (ROE) | 5.7527% | 3,988 |
| Retained earnings to average equity (ytd only) | 5.7527% | 2,002 |
| Net charge-offs to loans | 0.1055% | 1,672 |
| Credit loss provision to net charge-offs | 30.5556% | 3,266 |
| Earnings coverage of net charge-offs (x) | 8.5833% | 2,757 |
| Efficiency ratio | 80.6512% | 890 |
| Assets per employee ($millions) | 3.1887% | 4,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0264% | 3,333 |
| Loan loss allowance to noncurrent loans | 413.0952% | 1,151 |
| Noncurrent assets plus other real estate owned to assets | 0.1882% | 3,712 |
| Noncurrent loans to loans | 0.2485% | 3,559 |
| Net loans and leases to total assets | 74.9518% | 1,596 |
| Net loans and leases to deposits | 84.3884% | 2,296 |
| Net loans and leases to core deposits | 89.3768% | 2,478 |
| Total domestic deposits to total assets | 88.8177% | 742 |
| Equity capital to assets | 10.9628% | 3,041 |
| Core capital (leverage) ratio | 10.7376% | 2,730 |
| Tier 1 risk-based capital ratio | 16.4195% | 2,249 |
| Total risk-based capital ratio | 17.5916% | 2,221 |
| Memoranda: | ||
| Average total assets | $46,296,000 | 4,811 |
| Average earning assets | $43,823,400 | 4,788 |
| Average equity | $4,763,000 | 4,911 |
| Average total loans | $34,119,000 | 4,552 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4481% | 3,210 |
| Cost of funding earning assets | 1.3281% | 724 |
| Net interest margin | 3.1200% | 4,446 |
| Noninterest income to average assets | 0.5452% | 2,489 |
| Noninterest expense to average assets | 2.7146% | 2,824 |
| Loan and lease loss provision to assets | 0.0314% | 3,278 |
| Net operating income to assets | 0.6936% | 4,035 |
| Return on assets (ROA) | 0.6936% | 4,091 |
| Pretax return on assets | 0.7564% | 4,225 |
| Return on Equity (ROE) | 6.8493% | 3,745 |
| Retained earnings to average equity (ytd only) | 6.8493% | 1,932 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5061% | 1,153 |
| Assets per employee ($millions) | 3.3238% | 4,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1660% | 2,684 |
| Loan loss allowance to noncurrent loans | 467.0732% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 0.7113% | 1,925 |
| Noncurrent loans to loans | 0.2496% | 3,645 |
| Net loans and leases to total assets | 69.7655% | 2,503 |
| Net loans and leases to deposits | 78.1832% | 3,081 |
| Net loans and leases to core deposits | 84.7115% | 3,023 |
| Total domestic deposits to total assets | 89.2334% | 542 |
| Equity capital to assets | 10.4506% | 3,590 |
| Core capital (leverage) ratio | 10.3132% | 3,298 |
| Tier 1 risk-based capital ratio | 16.8345% | 2,138 |
| Total risk-based capital ratio | 18.0855% | 2,084 |
| Memoranda: | ||
| Average total assets | $46,709,500 | 4,874 |
| Average earning assets | $44,272,500 | 4,849 |
| Average equity | $4,730,250 | 4,982 |
| Average total loans | $34,197,000 | 4,614 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3991% | 3,333 |
| Cost of funding earning assets | 1.2994% | 741 |
| Net interest margin | 3.0997% | 4,535 |
| Noninterest income to average assets | 0.5046% | 2,651 |
| Noninterest expense to average assets | 2.6300% | 3,120 |
| Loan and lease loss provision to assets | 0.0470% | 2,874 |
| Net operating income to assets | 0.7013% | 4,002 |
| Return on assets (ROA) | 0.7013% | 4,055 |
| Pretax return on assets | 0.7655% | 4,183 |
| Return on Equity (ROE) | 6.9996% | 3,681 |
| Retained earnings to average equity (ytd only) | 6.9996% | 1,810 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3975% | 1,343 |
| Assets per employee ($millions) | 3.5726% | 4,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0885% | 3,130 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5361% | 2,408 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 74.7395% | 1,762 |
| Net loans and leases to deposits | 83.5890% | 2,534 |
| Net loans and leases to core deposits | 90.5467% | 2,551 |
| Total domestic deposits to total assets | 89.4131% | 503 |
| Equity capital to assets | 10.3006% | 3,695 |
| Core capital (leverage) ratio | 10.1465% | 3,448 |
| Tier 1 risk-based capital ratio | 15.3191% | 2,702 |
| Total risk-based capital ratio | 16.5506% | 2,645 |
| Memoranda: | ||
| Average total assets | $46,768,330 | 4,914 |
| Average earning assets | $44,327,000 | 4,890 |
| Average equity | $4,686,000 | 5,021 |
| Average total loans | $34,647,000 | 4,635 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2557% | 3,689 |
| Cost of funding earning assets | 1.2506% | 768 |
| Net interest margin | 3.0051% | 4,742 |
| Noninterest income to average assets | 0.2813% | 4,000 |
| Noninterest expense to average assets | 2.7189% | 2,848 |
| Loan and lease loss provision to assets | 0.0938% | 1,855 |
| Net operating income to assets | 0.2898% | 4,913 |
| Return on assets (ROA) | 0.2898% | 4,918 |
| Pretax return on assets | 0.3154% | 4,942 |
| Return on Equity (ROE) | 2.9329% | 4,800 |
| Retained earnings to average equity (ytd only) | 2.9329% | 3,766 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9210% | 529 |
| Assets per employee ($millions) | 3.6158% | 4,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1218% | 3,008 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5297% | 2,515 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 71.8221% | 2,197 |
| Net loans and leases to deposits | 79.8978% | 2,850 |
| Net loans and leases to core deposits | 86.4090% | 2,838 |
| Total domestic deposits to total assets | 89.8926% | 492 |
| Equity capital to assets | 9.9011% | 3,918 |
| Core capital (leverage) ratio | 9.8847% | 3,728 |
| Tier 1 risk-based capital ratio | 16.0152% | 2,432 |
| Total risk-based capital ratio | 17.2661% | 2,381 |
| Memoranda: | ||
| Average total assets | $46,930,500 | 4,959 |
| Average earning assets | $44,457,500 | 4,934 |
| Average equity | $4,637,000 | 5,068 |
| Average total loans | $34,423,500 | 4,694 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4655% | 2,564 |
| Cost of funding earning assets | 0.8069% | 1,488 |
| Net interest margin | 3.6586% | 3,195 |
| Noninterest income to average assets | 0.4258% | 3,274 |
| Noninterest expense to average assets | 2.9584% | 2,170 |
| Loan and lease loss provision to assets | 0.1510% | 1,405 |
| Net operating income to assets | 0.8467% | 3,620 |
| Return on assets (ROA) | 0.8467% | 3,618 |
| Pretax return on assets | 0.7625% | 4,264 |
| Return on Equity (ROE) | 7.7190% | 3,567 |
| Retained earnings to average equity (ytd only) | 7.7190% | 1,367 |
| Net charge-offs to loans | 0.0030% | 3,632 |
| Credit loss provision to net charge-offs | 6,100.0000% | 76 |
| Earnings coverage of net charge-offs (x) | 369.0000% | 280 |
| Efficiency ratio | 76.4066% | 1,303 |
| Assets per employee ($millions) | 3.6043% | 4,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0719% | 3,257 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5314% | 2,467 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 73.2713% | 2,049 |
| Net loans and leases to deposits | 81.4172% | 2,800 |
| Net loans and leases to core deposits | 86.9319% | 2,848 |
| Total domestic deposits to total assets | 89.9949% | 482 |
| Equity capital to assets | 9.8600% | 3,805 |
| Core capital (leverage) ratio | 10.6152% | 2,916 |
| Tier 1 risk-based capital ratio | 15.1730% | 2,748 |
| Total risk-based capital ratio | 16.4032% | 2,689 |
| Memoranda: | ||
| Average total assets | $40,394,000 | 5,093 |
| Average earning assets | $38,047,000 | 5,071 |
| Average equity | $4,430,600 | 5,117 |
| Average total loans | $33,516,600 | 4,735 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4797% | 2,365 |
| Cost of funding earning assets | 0.7144% | 1,775 |
| Net interest margin | 3.7653% | 2,772 |
| Noninterest income to average assets | 0.4504% | 3,170 |
| Noninterest expense to average assets | 3.1219% | 1,710 |
| Loan and lease loss provision to assets | 0.1582% | 1,223 |
| Net operating income to assets | 0.8664% | 3,675 |
| Return on assets (ROA) | 0.8664% | 3,679 |
| Pretax return on assets | 0.7220% | 4,486 |
| Return on Equity (ROE) | 7.6653% | 3,678 |
| Retained earnings to average equity (ytd only) | 7.6653% | 1,813 |
| Net charge-offs to loans | 0.0040% | 3,317 |
| Credit loss provision to net charge-offs | 4,600.0000% | 84 |
| Earnings coverage of net charge-offs (x) | 256.6316% | 359 |
| Efficiency ratio | 78.0069% | 1,122 |
| Assets per employee ($millions) | 3.1800% | 4,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0000% | 3,764 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6628% | 2,203 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 85.4959% | 316 |
| Net loans and leases to deposits | 96.2370% | 1,128 |
| Net loans and leases to core deposits | 102.3070% | 1,579 |
| Total domestic deposits to total assets | 88.8389% | 900 |
| Equity capital to assets | 10.9579% | 2,699 |
| Core capital (leverage) ratio | 11.3417% | 2,296 |
| Tier 1 risk-based capital ratio | 14.8522% | 2,944 |
| Total risk-based capital ratio | 16.0310% | 2,901 |
| Memoranda: | ||
| Average total assets | $38,778,500 | 5,180 |
| Average earning assets | $36,579,000 | 5,158 |
| Average equity | $4,383,250 | 5,186 |
| Average total loans | $33,219,750 | 4,791 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4091% | 2,381 |
| Cost of funding earning assets | 0.6852% | 1,712 |
| Net interest margin | 3.7238% | 2,846 |
| Noninterest income to average assets | 0.4852% | 2,946 |
| Noninterest expense to average assets | 3.1483% | 1,666 |
| Loan and lease loss provision to assets | 0.1477% | 1,284 |
| Net operating income to assets | 0.6856% | 4,237 |
| Return on assets (ROA) | 0.6856% | 4,240 |
| Pretax return on assets | 0.6856% | 4,546 |
| Return on Equity (ROE) | 5.9986% | 4,245 |
| Retained earnings to average equity (ytd only) | 5.9986% | 2,563 |
| Net charge-offs to loans | 0.0062% | 2,924 |
| Credit loss provision to net charge-offs | 2,800.0000% | 157 |
| Earnings coverage of net charge-offs (x) | 158.0000% | 499 |
| Efficiency ratio | 79.0728% | 1,108 |
| Assets per employee ($millions) | 2.9907% | 5,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0109% | 3,764 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7048% | 2,119 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 85.3777% | 319 |
| Net loans and leases to deposits | 96.4802% | 1,097 |
| Net loans and leases to core deposits | 102.9814% | 1,484 |
| Total domestic deposits to total assets | 88.4925% | 1,146 |
| Equity capital to assets | 11.3377% | 2,317 |
| Core capital (leverage) ratio | 11.7287% | 1,888 |
| Tier 1 risk-based capital ratio | 15.4434% | 2,666 |
| Total risk-based capital ratio | 16.6310% | 2,624 |
| Memoranda: | ||
| Average total assets | $37,924,670 | 5,253 |
| Average earning assets | $35,608,330 | 5,225 |
| Average equity | $4,334,330 | 5,252 |
| Average total loans | $32,392,670 | 4,857 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3311% | 2,413 |
| Cost of funding earning assets | 0.6628% | 1,645 |
| Net interest margin | 3.6683% | 2,926 |
| Noninterest income to average assets | 0.5127% | 2,733 |
| Noninterest expense to average assets | 3.3647% | 1,227 |
| Loan and lease loss provision to assets | 0.1602% | 1,124 |
| Net operating income to assets | 0.4166% | 4,897 |
| Return on assets (ROA) | 0.4166% | 4,901 |
| Pretax return on assets | 0.4166% | 5,010 |
| Return on Equity (ROE) | 3.6300% | 4,861 |
| Retained earnings to average equity (ytd only) | 3.6300% | 3,750 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3659% | 686 |
| Assets per employee ($millions) | 2.9072% | 5,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0085% | 3,903 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7250% | 2,143 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 84.9262% | 345 |
| Net loans and leases to deposits | 96.0011% | 1,034 |
| Net loans and leases to core deposits | 102.6513% | 1,469 |
| Total domestic deposits to total assets | 88.4638% | 1,373 |
| Equity capital to assets | 11.4224% | 2,199 |
| Core capital (leverage) ratio | 11.5264% | 1,990 |
| Tier 1 risk-based capital ratio | 15.7428% | 2,575 |
| Total risk-based capital ratio | 16.9353% | 2,545 |
| Memoranda: | ||
| Average total assets | $37,447,500 | 5,321 |
| Average earning assets | $35,003,000 | 5,293 |
| Average equity | $4,297,500 | 5,314 |
| Average total loans | $31,822,500 | 4,926 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3114% | 2,282 |
| Cost of funding earning assets | 0.4625% | 2,667 |
| Net interest margin | 3.8489% | 2,260 |
| Noninterest income to average assets | 0.5459% | 2,742 |
| Noninterest expense to average assets | 3.4499% | 1,127 |
| Loan and lease loss provision to assets | 0.0920% | 2,359 |
| Net operating income to assets | 0.5765% | 4,109 |
| Return on assets (ROA) | 0.5765% | 4,148 |
| Pretax return on assets | 0.5765% | 4,794 |
| Return on Equity (ROE) | 4.5142% | 4,342 |
| Retained earnings to average equity (ytd only) | 4.5142% | 2,443 |
| Net charge-offs to loans | -0.1501% | 5,469 |
| Credit loss provision to net charge-offs | -73.1707% | 4,678 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7677% | 789 |
| Assets per employee ($millions) | 2.8539% | 5,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9993% | 3,960 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7385% | 2,120 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 83.3104% | 514 |
| Net loans and leases to deposits | 94.2261% | 1,246 |
| Net loans and leases to core deposits | 100.8681% | 1,647 |
| Total domestic deposits to total assets | 88.4154% | 1,290 |
| Equity capital to assets | 11.5307% | 2,181 |
| Core capital (leverage) ratio | 12.2222% | 1,486 |
| Tier 1 risk-based capital ratio | 15.6910% | 2,554 |
| Total risk-based capital ratio | 16.8354% | 2,530 |
| Memoranda: | ||
| Average total assets | $32,609,200 | 5,455 |
| Average earning assets | $30,268,400 | 5,437 |
| Average equity | $4,164,600 | 5,400 |
| Average total loans | $27,318,200 | 5,083 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2666% | 2,375 |
| Cost of funding earning assets | 0.4057% | 3,129 |
| Net interest margin | 3.8610% | 2,183 |
| Noninterest income to average assets | 0.4616% | 3,267 |
| Noninterest expense to average assets | 3.4554% | 1,059 |
| Loan and lease loss provision to assets | 0.0932% | 2,220 |
| Net operating income to assets | 0.4997% | 4,728 |
| Return on assets (ROA) | 0.4997% | 4,766 |
| Pretax return on assets | 0.4997% | 5,030 |
| Return on Equity (ROE) | 3.8037% | 4,918 |
| Retained earnings to average equity (ytd only) | 3.8037% | 3,658 |
| Net charge-offs to loans | -0.1974% | 5,536 |
| Credit loss provision to net charge-offs | -56.4103% | 4,454 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3556% | 664 |
| Assets per employee ($millions) | 2.5862% | 5,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0530% | 3,771 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8150% | 2,112 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 84.4051% | 398 |
| Net loans and leases to deposits | 96.6091% | 1,054 |
| Net loans and leases to core deposits | 101.4733% | 1,585 |
| Total domestic deposits to total assets | 87.3676% | 1,688 |
| Equity capital to assets | 12.5164% | 1,652 |
| Core capital (leverage) ratio | 12.9897% | 1,211 |
| Tier 1 risk-based capital ratio | 16.4298% | 2,343 |
| Total risk-based capital ratio | 17.6089% | 2,314 |
| Memoranda: | ||
| Average total assets | $31,486,250 | 5,532 |
| Average earning assets | $29,249,500 | 5,509 |
| Average equity | $4,136,250 | 5,464 |
| Average total loans | $26,342,500 | 5,167 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2035% | 2,460 |
| Cost of funding earning assets | 0.3491% | 3,589 |
| Net interest margin | 3.8543% | 2,082 |
| Noninterest income to average assets | 0.4679% | 3,234 |
| Noninterest expense to average assets | 3.5743% | 900 |
| Loan and lease loss provision to assets | 0.1495% | 1,358 |
| Net operating income to assets | 0.3314% | 5,149 |
| Return on assets (ROA) | 0.3314% | 5,171 |
| Pretax return on assets | 0.3314% | 5,298 |
| Return on Equity (ROE) | 2.4803% | 5,241 |
| Retained earnings to average equity (ytd only) | 2.4803% | 4,204 |
| Net charge-offs to loans | -0.0626% | 5,261 |
| Credit loss provision to net charge-offs | -287.5000% | 4,539 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1410% | 538 |
| Assets per employee ($millions) | 2.1887% | 5,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0019% | 4,131 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8942% | 1,981 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 87.7097% | 166 |
| Net loans and leases to deposits | 101.6029% | 630 |
| Net loans and leases to core deposits | 106.2418% | 1,216 |
| Total domestic deposits to total assets | 86.3260% | 2,229 |
| Equity capital to assets | 13.5141% | 1,135 |
| Core capital (leverage) ratio | 13.5926% | 971 |
| Tier 1 risk-based capital ratio | 17.6273% | 1,962 |
| Total risk-based capital ratio | 18.7851% | 1,948 |
| Memoranda: | ||
| Average total assets | $30,775,000 | 5,583 |
| Average earning assets | $28,643,000 | 5,564 |
| Average equity | $4,112,330 | 5,510 |
| Average total loans | $25,563,670 | 5,229 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0170% | 2,971 |
| Cost of funding earning assets | 0.3208% | 3,845 |
| Net interest margin | 3.6962% | 2,494 |
| Noninterest income to average assets | 0.4928% | 3,026 |
| Noninterest expense to average assets | 3.5407% | 984 |
| Loan and lease loss provision to assets | 0.1816% | 950 |
| Net operating income to assets | 0.2075% | 5,383 |
| Return on assets (ROA) | 0.2075% | 5,395 |
| Pretax return on assets | 0.2075% | 5,428 |
| Return on Equity (ROE) | 1.5617% | 5,411 |
| Retained earnings to average equity (ytd only) | 1.5617% | 4,477 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0990% | 554 |
| Assets per employee ($millions) | 2.3148% | 5,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0023% | 4,264 |
| Loan loss allowance to noncurrent loans | 1,700.0000% | 393 |
| Noncurrent assets plus other real estate owned to assets | 0.9604% | 1,915 |
| Noncurrent loans to loans | 0.0590% | 4,962 |
| Net loans and leases to total assets | 83.6967% | 403 |
| Net loans and leases to deposits | 97.0372% | 847 |
| Net loans and leases to core deposits | 98.0916% | 1,649 |
| Total domestic deposits to total assets | 86.2522% | 2,555 |
| Equity capital to assets | 13.6448% | 1,021 |
| Core capital (leverage) ratio | 13.4065% | 1,003 |
| Tier 1 risk-based capital ratio | 18.6849% | 1,696 |
| Total risk-based capital ratio | 19.8453% | 1,677 |
| Memoranda: | ||
| Average total assets | $30,841,500 | 5,651 |
| Average earning assets | $28,678,000 | 5,629 |
| Average equity | $4,098,000 | 5,566 |
| Average total loans | $24,771,500 | 5,307 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0420% | 3,057 |
| Cost of funding earning assets | 0.3112% | 3,944 |
| Net interest margin | 3.7308% | 2,573 |
| Noninterest income to average assets | 0.4486% | 3,556 |
| Noninterest expense to average assets | 3.8478% | 732 |
| Loan and lease loss provision to assets | 0.0656% | 3,055 |
| Net operating income to assets | -1.3976% | 5,858 |
| Return on assets (ROA) | -1.3976% | 5,859 |
| Pretax return on assets | -0.0725% | 5,683 |
| Return on Equity (ROE) | -9.5528% | 5,831 |
| Retained earnings to average equity (ytd only) | -9.5528% | 5,778 |
| Net charge-offs to loans | 0.0093% | 3,952 |
| Credit loss provision to net charge-offs | 950.0000% | 399 |
| Earnings coverage of net charge-offs (x) | -1.0000% | 4,171 |
| Efficiency ratio | 100.1797% | 223 |
| Assets per employee ($millions) | 2.6326% | 5,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9999% | 4,331 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8673% | 2,178 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 75.5310% | 1,597 |
| Net loans and leases to deposits | 86.8747% | 2,067 |
| Net loans and leases to core deposits | 87.7662% | 2,698 |
| Total domestic deposits to total assets | 86.9425% | 2,180 |
| Equity capital to assets | 12.9467% | 1,279 |
| Core capital (leverage) ratio | 13.7405% | 886 |
| Tier 1 risk-based capital ratio | 19.3472% | 1,515 |
| Total risk-based capital ratio | 20.4872% | 1,501 |
| Memoranda: | ||
| Average total assets | $28,977,800 | 5,726 |
| Average earning assets | $26,348,400 | 5,719 |
| Average equity | $4,239,600 | 5,603 |
| Average total loans | $21,532,600 | 5,463 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0099% | 3,194 |
| Cost of funding earning assets | 0.3020% | 4,071 |
| Net interest margin | 3.7078% | 2,691 |
| Noninterest income to average assets | 0.3954% | 3,952 |
| Noninterest expense to average assets | 3.9070% | 669 |
| Loan and lease loss provision to assets | 0.0377% | 3,490 |
| Net operating income to assets | -2.0053% | 5,944 |
| Return on assets (ROA) | -2.0053% | 5,943 |
| Pretax return on assets | -0.1977% | 5,791 |
| Return on Equity (ROE) | -13.2801% | 5,920 |
| Retained earnings to average equity (ytd only) | -13.2801% | 5,879 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.2714% | 171 |
| Assets per employee ($millions) | 2.0774% | 5,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0472% | 4,142 |
| Loan loss allowance to noncurrent loans | 565.8537% | 948 |
| Noncurrent assets plus other real estate owned to assets | 1.0831% | 1,894 |
| Noncurrent loans to loans | 0.1851% | 4,606 |
| Net loans and leases to total assets | 75.3748% | 1,641 |
| Net loans and leases to deposits | 87.7091% | 2,052 |
| Net loans and leases to core deposits | 88.6956% | 2,690 |
| Total domestic deposits to total assets | 85.9373% | 2,392 |
| Equity capital to assets | 13.9939% | 1,032 |
| Core capital (leverage) ratio | 14.5269% | 717 |
| Tier 1 risk-based capital ratio | 21.1111% | 1,247 |
| Total risk-based capital ratio | 22.3144% | 1,236 |
| Memoranda: | ||
| Average total assets | $28,324,500 | 5,798 |
| Average earning assets | $25,602,750 | 5,788 |
| Average equity | $4,277,000 | 5,656 |
| Average total loans | $20,890,250 | 5,545 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0009% | 3,243 |
| Cost of funding earning assets | 0.3096% | 4,021 |
| Net interest margin | 3.6913% | 2,729 |
| Noninterest income to average assets | 0.1639% | 5,503 |
| Noninterest expense to average assets | 3.8901% | 685 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -3.1491% | 6,036 |
| Return on assets (ROA) | -3.1491% | 6,036 |
| Pretax return on assets | -0.4132% | 5,907 |
| Return on Equity (ROE) | -20.3405% | 6,015 |
| Retained earnings to average equity (ytd only) | -20.3405% | 5,971 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.8852% | 135 |
| Assets per employee ($millions) | 1.9391% | 5,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0554% | 4,192 |
| Loan loss allowance to noncurrent loans | 546.3415% | 990 |
| Noncurrent assets plus other real estate owned to assets | 1.1603% | 1,817 |
| Noncurrent loans to loans | 0.1932% | 4,661 |
| Net loans and leases to total assets | 77.3603% | 1,285 |
| Net loans and leases to deposits | 91.0316% | 1,626 |
| Net loans and leases to core deposits | 92.1420% | 2,336 |
| Total domestic deposits to total assets | 84.9818% | 2,890 |
| Equity capital to assets | 14.9335% | 742 |
| Core capital (leverage) ratio | 14.5990% | 699 |
| Tier 1 risk-based capital ratio | 21.1686% | 1,247 |
| Total risk-based capital ratio | 22.3383% | 1,239 |
| Memoranda: | ||
| Average total assets | $28,071,330 | 5,877 |
| Average earning assets | $25,194,330 | 5,865 |
| Average equity | $4,346,000 | 5,710 |
| Average total loans | $20,469,000 | 5,620 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0398% | 3,070 |
| Cost of funding earning assets | 0.2998% | 4,166 |
| Net interest margin | 3.7400% | 2,525 |
| Noninterest income to average assets | 0.7009% | 2,039 |
| Noninterest expense to average assets | 4.2056% | 490 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.0561% | 5,818 |
| Return on assets (ROA) | -0.0561% | 5,839 |
| Pretax return on assets | -0.1822% | 5,890 |
| Return on Equity (ROE) | -0.3562% | 5,837 |
| Retained earnings to average equity (ytd only) | -0.3562% | 5,177 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.5296% | 206 |
| Assets per employee ($millions) | 2.0511% | 5,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1308% | 3,879 |
| Loan loss allowance to noncurrent loans | 546.3415% | 941 |
| Noncurrent assets plus other real estate owned to assets | 1.3024% | 1,646 |
| Noncurrent loans to loans | 0.2070% | 4,681 |
| Net loans and leases to total assets | 68.2024% | 2,620 |
| Net loans and leases to deposits | 80.9498% | 2,680 |
| Net loans and leases to core deposits | 81.8874% | 3,136 |
| Total domestic deposits to total assets | 84.2527% | 3,425 |
| Equity capital to assets | 15.6394% | 575 |
| Core capital (leverage) ratio | 14.6775% | 670 |
| Tier 1 risk-based capital ratio | 22.7818% | 1,038 |
| Total risk-based capital ratio | 24.0201% | 1,015 |
| Memoranda: | ||
| Average total assets | $28,533,500 | 5,927 |
| Average earning assets | $25,347,500 | 5,925 |
| Average equity | $4,492,000 | 5,723 |
| Average total loans | $20,091,000 | 5,679 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8841% | 3,763 |
| Cost of funding earning assets | 0.3247% | 3,969 |
| Net interest margin | 3.5594% | 3,285 |
| Noninterest income to average assets | 0.7621% | 1,924 |
| Noninterest expense to average assets | 4.1153% | 595 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.0327% | 5,885 |
| Return on assets (ROA) | -0.0327% | 5,909 |
| Pretax return on assets | -0.1706% | 5,956 |
| Return on Equity (ROE) | -0.2003% | 5,903 |
| Retained earnings to average equity (ytd only) | -0.2003% | 5,539 |
| Net charge-offs to loans | -0.0696% | 5,665 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.3238% | 207 |
| Assets per employee ($millions) | 2.0251% | 6,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0995% | 4,053 |
| Loan loss allowance to noncurrent loans | 56.2814% | 4,716 |
| Noncurrent assets plus other real estate owned to assets | 2.5854% | 582 |
| Noncurrent loans to loans | 1.9536% | 1,082 |
| Net loans and leases to total assets | 71.0698% | 2,184 |
| Net loans and leases to deposits | 84.5886% | 2,295 |
| Net loans and leases to core deposits | 86.8192% | 2,715 |
| Total domestic deposits to total assets | 84.0182% | 3,471 |
| Equity capital to assets | 15.8478% | 537 |
| Core capital (leverage) ratio | 15.0064% | 614 |
| Tier 1 risk-based capital ratio | 21.5987% | 1,207 |
| Total risk-based capital ratio | 22.7713% | 1,194 |
| Memoranda: | ||
| Average total assets | $27,555,800 | 5,996 |
| Average earning assets | $24,639,200 | 5,988 |
| Average equity | $4,493,400 | 5,760 |
| Average total loans | $18,668,800 | 5,776 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9057% | 3,733 |
| Cost of funding earning assets | 0.3268% | 4,025 |
| Net interest margin | 3.5789% | 3,242 |
| Noninterest income to average assets | 0.7652% | 1,956 |
| Noninterest expense to average assets | 4.2060% | 535 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.0731% | 5,987 |
| Return on assets (ROA) | -0.0731% | 6,010 |
| Pretax return on assets | -0.2388% | 6,065 |
| Return on Equity (ROE) | -0.4451% | 5,994 |
| Retained earnings to average equity (ytd only) | -0.4451% | 5,682 |
| Net charge-offs to loans | -0.0950% | 5,762 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.0197% | 188 |
| Assets per employee ($millions) | 1.9022% | 6,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1566% | 3,893 |
| Loan loss allowance to noncurrent loans | 41.0256% | 5,195 |
| Noncurrent assets plus other real estate owned to assets | 3.3082% | 410 |
| Noncurrent loans to loans | 2.8192% | 661 |
| Net loans and leases to total assets | 71.8824% | 2,080 |
| Net loans and leases to deposits | 86.5925% | 2,083 |
| Net loans and leases to core deposits | 89.0538% | 2,555 |
| Total domestic deposits to total assets | 83.0123% | 3,816 |
| Equity capital to assets | 16.8525% | 448 |
| Core capital (leverage) ratio | 16.5019% | 427 |
| Tier 1 risk-based capital ratio | 85.3747% | 52 |
| Total risk-based capital ratio | 86.6489% | 52 |
| Memoranda: | ||
| Average total assets | $27,357,000 | 6,082 |
| Average earning assets | $24,476,500 | 6,073 |
| Average equity | $4,493,500 | 5,836 |
| Average total loans | $18,242,750 | 5,861 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8508% | 3,865 |
| Cost of funding earning assets | 0.3310% | 4,039 |
| Net interest margin | 3.5198% | 3,416 |
| Noninterest income to average assets | 0.7319% | 2,080 |
| Noninterest expense to average assets | 4.2248% | 532 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.1304% | 6,066 |
| Return on assets (ROA) | -0.1304% | 6,095 |
| Pretax return on assets | -0.3333% | 6,148 |
| Return on Equity (ROE) | -0.8008% | 6,074 |
| Retained earnings to average equity (ytd only) | -0.8008% | 5,663 |
| Net charge-offs to loans | 0.1343% | 1,693 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -3.8333% | 3,814 |
| Efficiency ratio | 108.5661% | 192 |
| Assets per employee ($millions) | 2.2374% | 6,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0555% | 4,571 |
| Loan loss allowance to noncurrent loans | 487.8049% | 1,051 |
| Noncurrent assets plus other real estate owned to assets | 1.5680% | 1,549 |
| Noncurrent loans to loans | 0.2164% | 4,909 |
| Net loans and leases to total assets | 69.8276% | 2,339 |
| Net loans and leases to deposits | 84.0039% | 2,314 |
| Net loans and leases to core deposits | 86.3645% | 2,731 |
| Total domestic deposits to total assets | 83.1241% | 3,899 |
| Equity capital to assets | 16.6785% | 450 |
| Core capital (leverage) ratio | 16.2053% | 444 |
| Tier 1 risk-based capital ratio | 47.0082% | 174 |
| Total risk-based capital ratio | 48.2679% | 172 |
| Memoranda: | ||
| Average total assets | $27,599,000 | 6,150 |
| Average earning assets | $24,774,000 | 6,135 |
| Average equity | $4,495,330 | 5,896 |
| Average total loans | $17,868,000 | 5,930 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7162% | 4,309 |
| Cost of funding earning assets | 0.3017% | 4,423 |
| Net interest margin | 3.4145% | 3,787 |
| Noninterest income to average assets | 0.6149% | 2,576 |
| Noninterest expense to average assets | 3.9179% | 751 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.0715% | 6,074 |
| Return on assets (ROA) | -0.0715% | 6,109 |
| Pretax return on assets | -0.2288% | 6,169 |
| Return on Equity (ROE) | -0.4440% | 6,092 |
| Retained earnings to average equity (ytd only) | -0.4440% | 5,462 |
| Net charge-offs to loans | 0.7387% | 321 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -0.5000% | 3,148 |
| Efficiency ratio | 106.2016% | 237 |
| Assets per employee ($millions) | 2.3258% | 6,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9935% | 5,067 |
| Loan loss allowance to noncurrent loans | 436.5854% | 1,127 |
| Noncurrent assets plus other real estate owned to assets | 1.7951% | 1,369 |
| Noncurrent loans to loans | 0.2276% | 4,956 |
| Net loans and leases to total assets | 63.9184% | 3,098 |
| Net loans and leases to deposits | 76.3394% | 3,015 |
| Net loans and leases to core deposits | 78.3822% | 3,336 |
| Total domestic deposits to total assets | 83.7293% | 3,918 |
| Equity capital to assets | 16.1382% | 528 |
| Core capital (leverage) ratio | 14.2827% | 742 |
| Tier 1 risk-based capital ratio | 259.6628% | 21 |
| Total risk-based capital ratio | 259.6628% | 21 |
| Memoranda: | ||
| Average total assets | $27,974,000 | 6,210 |
| Average earning assets | $25,187,000 | 6,193 |
| Average equity | $4,504,000 | 5,948 |
| Average total loans | $17,328,000 | 6,000 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1788% | 3,016 |
| Cost of funding earning assets | 0.3493% | 4,264 |
| Net interest margin | 3.8296% | 2,513 |
| Noninterest income to average assets | 0.5721% | 3,036 |
| Noninterest expense to average assets | 4.3445% | 525 |
| Loan and lease loss provision to assets | 0.0250% | 4,103 |
| Net operating income to assets | -0.2503% | 6,222 |
| Return on assets (ROA) | -0.2503% | 6,223 |
| Pretax return on assets | -0.5042% | 6,292 |
| Return on Equity (ROE) | -1.5347% | 6,189 |
| Retained earnings to average equity (ytd only) | -1.5347% | 5,968 |
| Net charge-offs to loans | 0.4767% | 877 |
| Credit loss provision to net charge-offs | 8.3333% | 4,119 |
| Earnings coverage of net charge-offs (x) | -1.5952% | 4,823 |
| Efficiency ratio | 112.3959% | 190 |
| Assets per employee ($millions) | 2.3399% | 6,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0278% | 4,911 |
| Loan loss allowance to noncurrent loans | 144.9153% | 2,879 |
| Noncurrent assets plus other real estate owned to assets | 1.8982% | 1,359 |
| Noncurrent loans to loans | 0.7092% | 3,549 |
| Net loans and leases to total assets | 58.6453% | 3,973 |
| Net loans and leases to deposits | 70.0485% | 3,902 |
| Net loans and leases to core deposits | 71.9083% | 4,131 |
| Total domestic deposits to total assets | 83.7209% | 3,827 |
| Equity capital to assets | 16.1651% | 513 |
| Core capital (leverage) ratio | 15.3075% | 561 |
| Tier 1 risk-based capital ratio | 24.7796% | 859 |
| Total risk-based capital ratio | 25.7846% | 870 |
| Memoranda: | ||
| Average total assets | $27,966,200 | 6,292 |
| Average earning assets | $24,049,800 | 6,292 |
| Average equity | $4,561,200 | 5,973 |
| Average total loans | $17,621,000 | 6,060 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2965% | 2,653 |
| Cost of funding earning assets | 0.3477% | 4,360 |
| Net interest margin | 3.9487% | 2,042 |
| Noninterest income to average assets | 0.5584% | 3,144 |
| Noninterest expense to average assets | 4.3571% | 531 |
| Loan and lease loss provision to assets | 0.0334% | 3,738 |
| Net operating income to assets | -0.2338% | 6,281 |
| Return on assets (ROA) | -0.2338% | 6,282 |
| Pretax return on assets | -0.4725% | 6,346 |
| Return on Equity (ROE) | -1.4306% | 6,259 |
| Retained earnings to average equity (ytd only) | -1.4306% | 6,024 |
| Net charge-offs to loans | 0.6269% | 576 |
| Credit loss provision to net charge-offs | 8.3333% | 3,725 |
| Earnings coverage of net charge-offs (x) | -1.0952% | 4,533 |
| Efficiency ratio | 111.2058% | 207 |
| Assets per employee ($millions) | 1.9714% | 6,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9749% | 5,319 |
| Loan loss allowance to noncurrent loans | 133.5938% | 2,993 |
| Noncurrent assets plus other real estate owned to assets | 1.9746% | 1,463 |
| Noncurrent loans to loans | 0.7297% | 3,775 |
| Net loans and leases to total assets | 62.9348% | 3,355 |
| Net loans and leases to deposits | 75.4824% | 3,246 |
| Net loans and leases to core deposits | 77.5273% | 3,582 |
| Total domestic deposits to total assets | 83.3768% | 4,003 |
| Equity capital to assets | 16.5072% | 492 |
| Core capital (leverage) ratio | 15.4132% | 557 |
| Tier 1 risk-based capital ratio | 24.1722% | 969 |
| Total risk-based capital ratio | 25.1484% | 980 |
| Memoranda: | ||
| Average total assets | $27,938,000 | 6,366 |
| Average earning assets | $23,771,000 | 6,376 |
| Average equity | $4,566,750 | 6,031 |
| Average total loans | $17,866,750 | 6,110 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3440% | 2,411 |
| Cost of funding earning assets | 0.3543% | 4,387 |
| Net interest margin | 3.9897% | 1,839 |
| Noninterest income to average assets | 0.4777% | 3,650 |
| Noninterest expense to average assets | 4.4491% | 472 |
| Loan and lease loss provision to assets | 0.0499% | 3,304 |
| Net operating income to assets | -0.3494% | 6,391 |
| Return on assets (ROA) | -0.3494% | 6,398 |
| Pretax return on assets | -0.6488% | 6,460 |
| Return on Equity (ROE) | -2.1443% | 6,341 |
| Retained earnings to average equity (ytd only) | -2.1443% | 6,012 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.5556% | 181 |
| Assets per employee ($millions) | 1.8542% | 6,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4231% | 3,229 |
| Loan loss allowance to noncurrent loans | 113.3333% | 3,356 |
| Noncurrent assets plus other real estate owned to assets | 2.0206% | 1,578 |
| Noncurrent loans to loans | 1.2557% | 2,711 |
| Net loans and leases to total assets | 63.5099% | 3,157 |
| Net loans and leases to deposits | 76.0658% | 3,048 |
| Net loans and leases to core deposits | 78.1040% | 3,426 |
| Total domestic deposits to total assets | 83.4933% | 4,113 |
| Equity capital to assets | 16.3844% | 491 |
| Core capital (leverage) ratio | 15.8266% | 500 |
| Tier 1 risk-based capital ratio | 24.5307% | 927 |
| Total risk-based capital ratio | 25.7841% | 907 |
| Memoranda: | ||
| Average total assets | $28,050,670 | 6,427 |
| Average earning assets | $23,711,000 | 6,441 |
| Average equity | $4,570,330 | 6,075 |
| Average total loans | $17,975,330 | 6,159 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4407% | 1,986 |
| Cost of funding earning assets | 0.3587% | 4,453 |
| Net interest margin | 4.0821% | 1,516 |
| Noninterest income to average assets | 0.4544% | 3,750 |
| Noninterest expense to average assets | 4.5439% | 437 |
| Loan and lease loss provision to assets | 0.0426% | 3,243 |
| Net operating income to assets | -0.3976% | 6,432 |
| Return on assets (ROA) | -0.3976% | 6,434 |
| Pretax return on assets | -0.7384% | 6,517 |
| Return on Equity (ROE) | -2.4470% | 6,378 |
| Retained earnings to average equity (ytd only) | -2.4470% | 5,905 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.0812% | 189 |
| Assets per employee ($millions) | 1.8797% | 6,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4366% | 3,437 |
| Loan loss allowance to noncurrent loans | 176.7606% | 2,321 |
| Noncurrent assets plus other real estate owned to assets | 2.4082% | 1,342 |
| Noncurrent loans to loans | 0.8127% | 3,847 |
| Net loans and leases to total assets | 61.0782% | 3,384 |
| Net loans and leases to deposits | 72.9055% | 3,219 |
| Net loans and leases to core deposits | 74.8251% | 3,553 |
| Total domestic deposits to total assets | 83.7773% | 4,355 |
| Equity capital to assets | 16.2156% | 498 |
| Core capital (leverage) ratio | 15.6937% | 517 |
| Tier 1 risk-based capital ratio | 24.6105% | 926 |
| Total risk-based capital ratio | 25.8604% | 908 |
| Memoranda: | ||
| Average total assets | $28,169,500 | 6,490 |
| Average earning assets | $23,419,500 | 6,516 |
| Average equity | $4,577,000 | 6,103 |
| Average total loans | $18,003,500 | 6,216 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6596% | 1,687 |
| Cost of funding earning assets | 0.3939% | 4,720 |
| Net interest margin | 4.2657% | 1,181 |
| Noninterest income to average assets | 0.6355% | 2,885 |
| Noninterest expense to average assets | 4.3999% | 572 |
| Loan and lease loss provision to assets | -0.0035% | 6,250 |
| Net operating income to assets | 0.0313% | 6,161 |
| Return on assets (ROA) | 0.0313% | 6,204 |
| Pretax return on assets | 0.0000% | 6,232 |
| Return on Equity (ROE) | 0.1957% | 6,214 |
| Retained earnings to average equity (ytd only) | 0.1957% | 5,759 |
| Net charge-offs to loans | 0.3163% | 2,108 |
| Credit loss provision to net charge-offs | -1.6129% | 5,663 |
| Earnings coverage of net charge-offs (x) | -0.0161% | 5,095 |
| Efficiency ratio | 100.0790% | 472 |
| Assets per employee ($millions) | 1.8763% | 6,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3380% | 3,946 |
| Loan loss allowance to noncurrent loans | 150.3030% | 2,666 |
| Noncurrent assets plus other real estate owned to assets | 2.4943% | 1,379 |
| Noncurrent loans to loans | 0.8902% | 3,763 |
| Net loans and leases to total assets | 64.9765% | 2,873 |
| Net loans and leases to deposits | 77.7376% | 2,758 |
| Net loans and leases to core deposits | 79.7862% | 3,159 |
| Total domestic deposits to total assets | 83.5844% | 4,327 |
| Equity capital to assets | 16.2806% | 488 |
| Core capital (leverage) ratio | 16.2764% | 443 |
| Tier 1 risk-based capital ratio | 23.4298% | 1,029 |
| Total risk-based capital ratio | 24.6795% | 1,007 |
| Memoranda: | ||
| Average total assets | $28,796,000 | 6,548 |
| Average earning assets | $25,388,400 | 6,541 |
| Average equity | $4,599,200 | 6,172 |
| Average total loans | $19,601,800 | 6,223 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5909% | 1,934 |
| Cost of funding earning assets | 0.4070% | 4,765 |
| Net interest margin | 4.1839% | 1,385 |
| Noninterest income to average assets | 0.6123% | 3,064 |
| Noninterest expense to average assets | 4.3278% | 611 |
| Loan and lease loss provision to assets | 0.0230% | 4,547 |
| Net operating income to assets | 0.0691% | 6,191 |
| Return on assets (ROA) | 0.0691% | 6,249 |
| Pretax return on assets | 0.0000% | 6,320 |
| Return on Equity (ROE) | 0.4345% | 6,284 |
| Retained earnings to average equity (ytd only) | 0.4345% | 5,798 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.4709% | 481 |
| Assets per employee ($millions) | 1.5806% | 6,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6343% | 2,872 |
| Loan loss allowance to noncurrent loans | 38.1643% | 5,695 |
| Noncurrent assets plus other real estate owned to assets | 3.8257% | 849 |
| Noncurrent loans to loans | 4.2822% | 794 |
| Net loans and leases to total assets | 70.7826% | 1,822 |
| Net loans and leases to deposits | 85.5562% | 1,665 |
| Net loans and leases to core deposits | 87.9456% | 2,197 |
| Total domestic deposits to total assets | 82.7323% | 4,670 |
| Equity capital to assets | 17.1337% | 401 |
| Core capital (leverage) ratio | 16.3150% | 451 |
| Tier 1 risk-based capital ratio | 22.9449% | 1,155 |
| Total risk-based capital ratio | 24.1962% | 1,137 |
| Memoranda: | ||
| Average total assets | $28,959,000 | 6,620 |
| Average earning assets | $25,876,500 | 6,605 |
| Average equity | $4,603,500 | 6,247 |
| Average total loans | $19,868,500 | 6,276 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4508% | 2,382 |
| Cost of funding earning assets | 0.4121% | 4,840 |
| Net interest margin | 4.0387% | 1,731 |
| Noninterest income to average assets | 0.4991% | 3,845 |
| Noninterest expense to average assets | 4.1207% | 759 |
| Loan and lease loss provision to assets | 0.1349% | 2,640 |
| Net operating income to assets | -0.0270% | 6,330 |
| Return on assets (ROA) | -0.0270% | 6,388 |
| Pretax return on assets | -0.1214% | 6,442 |
| Return on Equity (ROE) | -0.1738% | 6,377 |
| Retained earnings to average equity (ytd only) | -0.1738% | 5,884 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.6737% | 495 |
| Assets per employee ($millions) | 1.9574% | 6,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6642% | 2,926 |
| Loan loss allowance to noncurrent loans | 33.1331% | 5,907 |
| Noncurrent assets plus other real estate owned to assets | 4.5396% | 723 |
| Noncurrent loans to loans | 5.0226% | 640 |
| Net loans and leases to total assets | 71.3754% | 1,665 |
| Net loans and leases to deposits | 85.8868% | 1,588 |
| Net loans and leases to core deposits | 88.2228% | 2,081 |
| Total domestic deposits to total assets | 83.1040% | 4,662 |
| Equity capital to assets | 16.7317% | 442 |
| Core capital (leverage) ratio | 15.5509% | 510 |
| Tier 1 risk-based capital ratio | 22.2728% | 1,241 |
| Total risk-based capital ratio | 23.5111% | 1,222 |
| Memoranda: | ||
| Average total assets | $29,655,000 | 6,644 |
| Average earning assets | $26,691,670 | 6,637 |
| Average equity | $4,603,330 | 6,297 |
| Average total loans | $20,046,000 | 6,300 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2163% | 3,227 |
| Cost of funding earning assets | 0.4159% | 4,951 |
| Net interest margin | 3.8004% | 2,448 |
| Noninterest income to average assets | 0.4678% | 4,004 |
| Noninterest expense to average assets | 3.7166% | 1,221 |
| Loan and lease loss provision to assets | 0.1300% | 2,621 |
| Net operating income to assets | 0.0910% | 6,167 |
| Return on assets (ROA) | 0.0910% | 6,255 |
| Pretax return on assets | 0.0650% | 6,312 |
| Return on Equity (ROE) | 0.6070% | 6,308 |
| Retained earnings to average equity (ytd only) | 0.6070% | 5,586 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0166% | 771 |
| Assets per employee ($millions) | 2.1594% | 6,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6110% | 3,357 |
| Loan loss allowance to noncurrent loans | 28.4574% | 6,080 |
| Noncurrent assets plus other real estate owned to assets | 4.5417% | 821 |
| Noncurrent loans to loans | 5.6609% | 622 |
| Net loans and leases to total assets | 64.8506% | 2,563 |
| Net loans and leases to deposits | 79.6789% | 2,121 |
| Net loans and leases to core deposits | 81.6739% | 2,618 |
| Total domestic deposits to total assets | 81.3900% | 5,394 |
| Equity capital to assets | 15.2691% | 695 |
| Core capital (leverage) ratio | 14.5992% | 651 |
| Tier 1 risk-based capital ratio | 21.9479% | 1,341 |
| Total risk-based capital ratio | 23.2049% | 1,314 |
| Memoranda: | ||
| Average total assets | $30,781,000 | 6,688 |
| Average earning assets | $27,891,500 | 6,678 |
| Average equity | $4,612,500 | 6,363 |
| Average total loans | $20,124,000 | 6,351 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9640% | 1,648 |
| Cost of funding earning assets | 0.5775% | 4,562 |
| Net interest margin | 4.3865% | 1,188 |
| Noninterest income to average assets | 0.4070% | 4,549 |
| Noninterest expense to average assets | 3.6141% | 1,576 |
| Loan and lease loss provision to assets | 0.1400% | 3,860 |
| Net operating income to assets | 0.3940% | 5,121 |
| Return on assets (ROA) | 0.3940% | 5,363 |
| Pretax return on assets | 0.5112% | 5,251 |
| Return on Equity (ROE) | 2.6491% | 5,692 |
| Retained earnings to average equity (ytd only) | 2.6491% | 4,368 |
| Net charge-offs to loans | 0.2732% | 3,293 |
| Credit loss provision to net charge-offs | 78.1818% | 3,884 |
| Earnings coverage of net charge-offs (x) | 3.6364% | 3,649 |
| Efficiency ratio | 84.7328% | 1,541 |
| Assets per employee ($millions) | 2.6109% | 6,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5304% | 3,616 |
| Loan loss allowance to noncurrent loans | 45.6012% | 5,345 |
| Noncurrent assets plus other real estate owned to assets | 2.9587% | 1,605 |
| Noncurrent loans to loans | 3.3560% | 1,511 |
| Net loans and leases to total assets | 63.8696% | 2,916 |
| Net loans and leases to deposits | 77.9032% | 2,550 |
| Net loans and leases to core deposits | 79.7664% | 3,041 |
| Total domestic deposits to total assets | 81.9859% | 5,103 |
| Equity capital to assets | 14.7107% | 817 |
| Core capital (leverage) ratio | 14.9604% | 578 |
| Tier 1 risk-based capital ratio | 20.9908% | 1,465 |
| Total risk-based capital ratio | 22.2462% | 1,434 |
| Memoranda: | ||
| Average total assets | $30,713,000 | 6,740 |
| Average earning assets | $27,014,400 | 6,736 |
| Average equity | $4,567,600 | 6,425 |
| Average total loans | $20,135,000 | 6,422 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8638% | 2,142 |
| Cost of funding earning assets | 0.6136% | 4,506 |
| Net interest margin | 4.2502% | 1,595 |
| Noninterest income to average assets | 0.5105% | 3,853 |
| Noninterest expense to average assets | 3.1982% | 2,574 |
| Loan and lease loss provision to assets | 0.1396% | 3,788 |
| Net operating income to assets | 0.6239% | 4,273 |
| Return on assets (ROA) | 0.6239% | 4,529 |
| Pretax return on assets | 0.8901% | 4,151 |
| Return on Equity (ROE) | 4.1837% | 5,210 |
| Retained earnings to average equity (ytd only) | 4.1837% | 3,953 |
| Net charge-offs to loans | 0.3650% | 2,645 |
| Credit loss provision to net charge-offs | 58.1818% | 4,203 |
| Earnings coverage of net charge-offs (x) | 4.2910% | 3,347 |
| Efficiency ratio | 75.6450% | 2,730 |
| Assets per employee ($millions) | 2.4802% | 6,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4527% | 4,147 |
| Loan loss allowance to noncurrent loans | 52.4561% | 5,002 |
| Noncurrent assets plus other real estate owned to assets | 2.7384% | 1,929 |
| Noncurrent loans to loans | 2.7693% | 2,032 |
| Net loans and leases to total assets | 68.1540% | 2,268 |
| Net loans and leases to deposits | 84.1730% | 1,848 |
| Net loans and leases to core deposits | 86.3186% | 2,422 |
| Total domestic deposits to total assets | 80.9690% | 5,367 |
| Equity capital to assets | 15.5668% | 696 |
| Core capital (leverage) ratio | 15.0553% | 601 |
| Tier 1 risk-based capital ratio | 20.6328% | 1,612 |
| Total risk-based capital ratio | 21.8836% | 1,581 |
| Memoranda: | ||
| Average total assets | $30,558,500 | 6,827 |
| Average earning assets | $26,727,250 | 6,832 |
| Average equity | $4,557,250 | 6,500 |
| Average total loans | $20,088,250 | 6,510 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6542% | 3,119 |
| Cost of funding earning assets | 0.6564% | 4,386 |
| Net interest margin | 3.9978% | 2,513 |
| Noninterest income to average assets | 0.5256% | 3,750 |
| Noninterest expense to average assets | 3.3286% | 2,226 |
| Loan and lease loss provision to assets | 0.1363% | 3,816 |
| Net operating income to assets | 0.5385% | 4,633 |
| Return on assets (ROA) | 0.5385% | 4,913 |
| Pretax return on assets | 0.5385% | 5,345 |
| Return on Equity (ROE) | 3.6628% | 5,413 |
| Retained earnings to average equity (ytd only) | 3.6628% | 4,158 |
| Net charge-offs to loans | 0.0502% | 4,702 |
| Credit loss provision to net charge-offs | 420.0000% | 705 |
| Earnings coverage of net charge-offs (x) | 20.8000% | 1,371 |
| Efficiency ratio | 83.1442% | 1,733 |
| Assets per employee ($millions) | 2.7898% | 6,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6538% | 3,412 |
| Loan loss allowance to noncurrent loans | 120.7143% | 2,711 |
| Noncurrent assets plus other real estate owned to assets | 1.5641% | 3,359 |
| Noncurrent loans to loans | 1.3700% | 3,862 |
| Net loans and leases to total assets | 65.4979% | 2,771 |
| Net loans and leases to deposits | 80.3904% | 2,332 |
| Net loans and leases to core deposits | 83.2953% | 2,785 |
| Total domestic deposits to total assets | 81.4748% | 5,308 |
| Equity capital to assets | 14.9211% | 808 |
| Core capital (leverage) ratio | 14.9704% | 605 |
| Tier 1 risk-based capital ratio | 19.5124% | 1,848 |
| Total risk-based capital ratio | 20.8403% | 1,793 |
| Memoranda: | ||
| Average total assets | $30,824,000 | 6,872 |
| Average earning assets | $26,814,670 | 6,881 |
| Average equity | $4,532,000 | 6,539 |
| Average total loans | $19,923,330 | 6,564 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8187% | 2,559 |
| Cost of funding earning assets | 0.9698% | 2,156 |
| Net interest margin | 3.8489% | 3,140 |
| Noninterest income to average assets | 0.4920% | 3,964 |
| Noninterest expense to average assets | 3.1464% | 2,773 |
| Loan and lease loss provision to assets | 0.1424% | 3,574 |
| Net operating income to assets | 0.4920% | 4,864 |
| Return on assets (ROA) | 0.4920% | 5,065 |
| Pretax return on assets | 0.4920% | 5,457 |
| Return on Equity (ROE) | 3.3714% | 5,563 |
| Retained earnings to average equity (ytd only) | 3.3714% | 4,548 |
| Net charge-offs to loans | -0.0203% | 6,188 |
| Credit loss provision to net charge-offs | -1,100.0000% | 5,933 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2192% | 1,768 |
| Assets per employee ($millions) | 2.8191% | 6,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7177% | 3,273 |
| Loan loss allowance to noncurrent loans | 105.6962% | 2,923 |
| Noncurrent assets plus other real estate owned to assets | 1.6640% | 3,361 |
| Noncurrent loans to loans | 1.6251% | 3,674 |
| Net loans and leases to total assets | 61.6285% | 3,333 |
| Net loans and leases to deposits | 75.2609% | 2,933 |
| Net loans and leases to core deposits | 77.9277% | 3,337 |
| Total domestic deposits to total assets | 81.8865% | 5,335 |
| Equity capital to assets | 14.5792% | 844 |
| Core capital (leverage) ratio | 14.4386% | 704 |
| Tier 1 risk-based capital ratio | 19.8813% | 1,736 |
| Total risk-based capital ratio | 21.1346% | 1,710 |
| Memoranda: | ||
| Average total assets | $30,892,000 | 6,925 |
| Average earning assets | $26,397,000 | 6,949 |
| Average equity | $4,508,500 | 6,579 |
| Average total loans | $19,666,000 | 6,628 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1254% | 2,353 |
| Cost of funding earning assets | 0.9179% | 3,975 |
| Net interest margin | 4.2074% | 2,031 |
| Noninterest income to average assets | 0.3447% | 5,054 |
| Noninterest expense to average assets | 3.5657% | 1,815 |
| Loan and lease loss provision to assets | 0.5703% | 1,824 |
| Net operating income to assets | 0.0564% | 5,952 |
| Return on assets (ROA) | 0.0564% | 6,062 |
| Pretax return on assets | -0.1003% | 6,211 |
| Return on Equity (ROE) | 0.4007% | 6,086 |
| Retained earnings to average equity (ytd only) | 0.4007% | 5,647 |
| Net charge-offs to loans | 1.9483% | 721 |
| Credit loss provision to net charge-offs | 44.2822% | 5,547 |
| Earnings coverage of net charge-offs (x) | 0.3650% | 5,543 |
| Efficiency ratio | 88.3540% | 1,330 |
| Assets per employee ($millions) | 2.5645% | 6,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6191% | 3,516 |
| Loan loss allowance to noncurrent loans | 58.5455% | 4,589 |
| Noncurrent assets plus other real estate owned to assets | 1.7872% | 3,270 |
| Noncurrent loans to loans | 2.7656% | 2,368 |
| Net loans and leases to total assets | 63.5764% | 3,272 |
| Net loans and leases to deposits | 77.7314% | 2,885 |
| Net loans and leases to core deposits | 80.5012% | 3,386 |
| Total domestic deposits to total assets | 81.7898% | 5,195 |
| Equity capital to assets | 14.6097% | 869 |
| Core capital (leverage) ratio | 14.6858% | 669 |
| Tier 1 risk-based capital ratio | 17.7082% | 2,303 |
| Total risk-based capital ratio | 18.9801% | 2,265 |
| Memoranda: | ||
| Average total assets | $31,915,200 | 6,923 |
| Average earning assets | $27,998,000 | 6,921 |
| Average equity | $4,492,200 | 6,598 |
| Average total loans | $21,095,800 | 6,603 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0910% | 2,642 |
| Cost of funding earning assets | 0.9499% | 4,047 |
| Net interest margin | 4.1410% | 2,300 |
| Noninterest income to average assets | 0.4058% | 4,623 |
| Noninterest expense to average assets | 3.6106% | 1,688 |
| Loan and lease loss provision to assets | 0.1905% | 4,120 |
| Net operating income to assets | 0.2940% | 5,420 |
| Return on assets (ROA) | 0.2940% | 5,591 |
| Pretax return on assets | 0.3229% | 5,657 |
| Return on Equity (ROE) | 2.1077% | 5,738 |
| Retained earnings to average equity (ytd only) | 2.1077% | 5,085 |
| Net charge-offs to loans | 0.0810% | 5,166 |
| Credit loss provision to net charge-offs | 353.8462% | 802 |
| Earnings coverage of net charge-offs (x) | 9.5401% | 2,034 |
| Efficiency ratio | 87.5502% | 1,381 |
| Assets per employee ($millions) | 2.5853% | 6,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9123% | 926 |
| Loan loss allowance to noncurrent loans | 66.8958% | 4,104 |
| Noncurrent assets plus other real estate owned to assets | 3.5651% | 1,760 |
| Noncurrent loans to loans | 4.3535% | 1,497 |
| Net loans and leases to total assets | 62.7567% | 3,556 |
| Net loans and leases to deposits | 76.7554% | 3,202 |
| Net loans and leases to core deposits | 81.1344% | 3,465 |
| Total domestic deposits to total assets | 81.7619% | 5,174 |
| Equity capital to assets | 14.6891% | 935 |
| Core capital (leverage) ratio | 14.6374% | 740 |
| Tier 1 risk-based capital ratio | 14.3485% | 4,091 |
| Total risk-based capital ratio | 15.6072% | 4,049 |
| Memoranda: | ||
| Average total assets | $32,200,500 | 6,976 |
| Average earning assets | $28,913,250 | 6,966 |
| Average equity | $4,491,250 | 6,643 |
| Average total loans | $21,398,000 | 6,653 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0798% | 2,772 |
| Cost of funding earning assets | 1.0269% | 3,763 |
| Net interest margin | 4.0529% | 2,601 |
| Noninterest income to average assets | 0.4050% | 4,636 |
| Noninterest expense to average assets | 3.6081% | 1,718 |
| Loan and lease loss provision to assets | 0.2148% | 3,768 |
| Net operating income to assets | 0.2270% | 5,640 |
| Return on assets (ROA) | 0.2270% | 5,758 |
| Pretax return on assets | 0.2148% | 5,903 |
| Return on Equity (ROE) | 1.6557% | 5,902 |
| Retained earnings to average equity (ytd only) | 1.6557% | 5,167 |
| Net charge-offs to loans | 0.0366% | 5,340 |
| Credit loss provision to net charge-offs | 875.0000% | 371 |
| Earnings coverage of net charge-offs (x) | 17.5000% | 1,295 |
| Efficiency ratio | 89.3617% | 1,291 |
| Assets per employee ($millions) | 2.4230% | 7,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7096% | 1,171 |
| Loan loss allowance to noncurrent loans | 55.1659% | 4,717 |
| Noncurrent assets plus other real estate owned to assets | 4.0097% | 1,595 |
| Noncurrent loans to loans | 4.9118% | 1,341 |
| Net loans and leases to total assets | 66.3418% | 2,959 |
| Net loans and leases to deposits | 80.8051% | 2,644 |
| Net loans and leases to core deposits | 85.3043% | 3,030 |
| Total domestic deposits to total assets | 82.1010% | 5,130 |
| Equity capital to assets | 14.3497% | 984 |
| Core capital (leverage) ratio | 14.2270% | 816 |
| Tier 1 risk-based capital ratio | 13.8673% | 4,256 |
| Total risk-based capital ratio | 15.1238% | 4,222 |
| Memoranda: | ||
| Average total assets | $32,593,000 | 7,027 |
| Average earning assets | $29,214,000 | 7,022 |
| Average equity | $4,469,330 | 6,689 |
| Average total loans | $21,846,330 | 6,690 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9417% | 3,363 |
| Cost of funding earning assets | 1.0743% | 3,696 |
| Net interest margin | 3.8674% | 3,312 |
| Noninterest income to average assets | 0.4225% | 4,516 |
| Noninterest expense to average assets | 3.5969% | 1,777 |
| Loan and lease loss provision to assets | 0.3018% | 2,746 |
| Net operating income to assets | 0.0966% | 6,103 |
| Return on assets (ROA) | 0.0966% | 6,155 |
| Pretax return on assets | 0.0000% | 6,352 |
| Return on Equity (ROE) | 0.7201% | 6,210 |
| Retained earnings to average equity (ytd only) | 0.7201% | 5,536 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2601% | 1,143 |
| Assets per employee ($millions) | 2.5457% | 6,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6297% | 1,280 |
| Loan loss allowance to noncurrent loans | 67.7647% | 4,030 |
| Noncurrent assets plus other real estate owned to assets | 3.6865% | 1,836 |
| Noncurrent loans to loans | 3.8806% | 1,892 |
| Net loans and leases to total assets | 64.4467% | 3,366 |
| Net loans and leases to deposits | 74.7905% | 3,635 |
| Net loans and leases to core deposits | 78.5157% | 3,948 |
| Total domestic deposits to total assets | 86.1697% | 3,422 |
| Equity capital to assets | 13.4677% | 1,199 |
| Core capital (leverage) ratio | 13.5854% | 944 |
| Tier 1 risk-based capital ratio | 13.0954% | 4,752 |
| Total risk-based capital ratio | 14.3514% | 4,722 |
| Memoranda: | ||
| Average total assets | $33,140,000 | 7,068 |
| Average earning assets | $29,787,500 | 7,057 |
| Average equity | $4,444,000 | 6,724 |
| Average total loans | $22,030,000 | 6,739 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5640% | 2,034 |
| Cost of funding earning assets | 1.3513% | 3,563 |
| Net interest margin | 4.2127% | 2,135 |
| Noninterest income to average assets | 0.3606% | 5,224 |
| Noninterest expense to average assets | 3.9726% | 1,201 |
| Loan and lease loss provision to assets | 1.4296% | 1,048 |
| Net operating income to assets | -0.8382% | 6,598 |
| Return on assets (ROA) | -0.8382% | 6,628 |
| Pretax return on assets | -1.2652% | 6,767 |
| Return on Equity (ROE) | -5.7559% | 6,483 |
| Retained earnings to average equity (ytd only) | -5.7559% | 6,362 |
| Net charge-offs to loans | 1.4121% | 1,578 |
| Credit loss provision to net charge-offs | 142.5868% | 2,623 |
| Earnings coverage of net charge-offs (x) | 0.1640% | 5,948 |
| Efficiency ratio | 96.0245% | 966 |
| Assets per employee ($millions) | 2.5528% | 6,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4869% | 1,424 |
| Loan loss allowance to noncurrent loans | 62.1896% | 4,290 |
| Noncurrent assets plus other real estate owned to assets | 3.5587% | 1,936 |
| Noncurrent loans to loans | 3.9989% | 1,812 |
| Net loans and leases to total assets | 65.1028% | 3,647 |
| Net loans and leases to deposits | 75.4365% | 3,933 |
| Net loans and leases to core deposits | 77.7354% | 4,487 |
| Total domestic deposits to total assets | 86.3015% | 3,199 |
| Equity capital to assets | 13.3520% | 1,238 |
| Core capital (leverage) ratio | 13.6138% | 952 |
| Tier 1 risk-based capital ratio | 11.5458% | 5,867 |
| Total risk-based capital ratio | 12.9927% | 5,699 |
| Memoranda: | ||
| Average total assets | $31,616,800 | 7,157 |
| Average earning assets | $28,343,000 | 7,154 |
| Average equity | $4,604,000 | 6,785 |
| Average total loans | $22,449,600 | 6,799 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6860% | 1,759 |
| Cost of funding earning assets | 1.4036% | 3,558 |
| Net interest margin | 4.2824% | 1,905 |
| Noninterest income to average assets | 0.3886% | 5,051 |
| Noninterest expense to average assets | 3.9968% | 1,045 |
| Loan and lease loss provision to assets | 1.7379% | 721 |
| Net operating income to assets | -1.2639% | 7,008 |
| Return on assets (ROA) | -1.2639% | 7,041 |
| Pretax return on assets | -1.5031% | 7,042 |
| Return on Equity (ROE) | -8.4923% | 6,858 |
| Retained earnings to average equity (ytd only) | -8.4923% | 6,799 |
| Net charge-offs to loans | 0.6985% | 2,670 |
| Credit loss provision to net charge-offs | 344.9153% | 922 |
| Earnings coverage of net charge-offs (x) | 0.4661% | 5,559 |
| Efficiency ratio | 94.4501% | 981 |
| Assets per employee ($millions) | 2.4576% | 7,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1889% | 703 |
| Loan loss allowance to noncurrent loans | 70.5000% | 3,792 |
| Noncurrent assets plus other real estate owned to assets | 4.8202% | 1,364 |
| Noncurrent loans to loans | 4.5232% | 1,596 |
| Net loans and leases to total assets | 66.9911% | 3,464 |
| Net loans and leases to deposits | 77.9396% | 3,839 |
| Net loans and leases to core deposits | 81.9724% | 4,252 |
| Total domestic deposits to total assets | 85.9526% | 3,104 |
| Equity capital to assets | 13.7719% | 1,248 |
| Core capital (leverage) ratio | 13.8938% | 938 |
| Tier 1 risk-based capital ratio | 14.1386% | 3,731 |
| Total risk-based capital ratio | 15.1554% | 3,880 |
| Memoranda: | ||
| Average total assets | $31,224,500 | 7,249 |
| Average earning assets | $28,021,250 | 7,248 |
| Average equity | $4,647,250 | 6,860 |
| Average total loans | $22,523,000 | 6,882 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0810% | 786 |
| Cost of funding earning assets | 1.4825% | 3,354 |
| Net interest margin | 4.5986% | 998 |
| Noninterest income to average assets | 0.4067% | 4,855 |
| Noninterest expense to average assets | 3.7182% | 1,522 |
| Loan and lease loss provision to assets | 0.3679% | 3,501 |
| Net operating income to assets | 0.6197% | 3,784 |
| Return on assets (ROA) | 0.6197% | 3,918 |
| Pretax return on assets | 0.4454% | 5,079 |
| Return on Equity (ROE) | 4.0595% | 4,749 |
| Retained earnings to average equity (ytd only) | 4.0595% | 3,498 |
| Net charge-offs to loans | 0.9267% | 1,983 |
| Credit loss provision to net charge-offs | 54.2857% | 5,332 |
| Earnings coverage of net charge-offs (x) | 1.2000% | 4,601 |
| Efficiency ratio | 82.0513% | 2,162 |
| Assets per employee ($millions) | 3.1183% | 5,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6189% | 3,372 |
| Loan loss allowance to noncurrent loans | 19.1070% | 6,994 |
| Noncurrent assets plus other real estate owned to assets | 6.6126% | 836 |
| Noncurrent loans to loans | 8.4726% | 591 |
| Net loans and leases to total assets | 71.7186% | 2,481 |
| Net loans and leases to deposits | 85.0633% | 2,694 |
| Net loans and leases to core deposits | 89.6389% | 3,328 |
| Total domestic deposits to total assets | 84.3120% | 3,953 |
| Equity capital to assets | 15.3321% | 815 |
| Core capital (leverage) ratio | 15.2407% | 680 |
| Tier 1 risk-based capital ratio | 17.2092% | 2,197 |
| Total risk-based capital ratio | 18.3015% | 2,215 |
| Memoranda: | ||
| Average total assets | $30,983,000 | 7,312 |
| Average earning assets | $27,791,330 | 7,305 |
| Average equity | $4,729,670 | 6,869 |
| Average total loans | $22,661,330 | 6,927 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1580% | 697 |
| Cost of funding earning assets | 1.5430% | 3,311 |
| Net interest margin | 4.6149% | 923 |
| Noninterest income to average assets | 0.4792% | 4,204 |
| Noninterest expense to average assets | 3.5877% | 1,768 |
| Loan and lease loss provision to assets | 0.3368% | 3,367 |
| Net operating income to assets | 0.8937% | 2,572 |
| Return on assets (ROA) | 0.8937% | 2,644 |
| Pretax return on assets | 0.7771% | 3,964 |
| Return on Equity (ROE) | 5.8673% | 3,936 |
| Retained earnings to average equity (ytd only) | 5.8673% | 2,682 |
| Net charge-offs to loans | 0.0884% | 4,536 |
| Credit loss provision to net charge-offs | 520.0000% | 811 |
| Earnings coverage of net charge-offs (x) | 17.2000% | 1,296 |
| Efficiency ratio | 76.3085% | 3,167 |
| Assets per employee ($millions) | 2.7485% | 6,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9481% | 2,317 |
| Loan loss allowance to noncurrent loans | 20.3540% | 6,985 |
| Noncurrent assets plus other real estate owned to assets | 7.1015% | 753 |
| Noncurrent loans to loans | 9.5711% | 457 |
| Net loans and leases to total assets | 72.7516% | 2,273 |
| Net loans and leases to deposits | 86.6901% | 2,468 |
| Net loans and leases to core deposits | 91.5010% | 3,168 |
| Total domestic deposits to total assets | 83.9215% | 4,177 |
| Equity capital to assets | 15.6981% | 722 |
| Core capital (leverage) ratio | 15.2630% | 698 |
| Tier 1 risk-based capital ratio | 14.1950% | 3,535 |
| Total risk-based capital ratio | 15.3268% | 3,570 |
| Memoranda: | ||
| Average total assets | $30,883,000 | 7,412 |
| Average earning assets | $28,256,000 | 7,380 |
| Average equity | $4,704,000 | 6,944 |
| Average total loans | $22,626,000 | 7,011 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8533% | 2,428 |
| Cost of funding earning assets | 1.7646% | 4,177 |
| Net interest margin | 4.0888% | 2,502 |
| Noninterest income to average assets | 0.4710% | 4,645 |
| Noninterest expense to average assets | 3.7316% | 1,838 |
| Loan and lease loss provision to assets | 0.4282% | 4,261 |
| Net operating income to assets | 0.2141% | 4,854 |
| Return on assets (ROA) | 0.2141% | 4,915 |
| Pretax return on assets | 0.0889% | 5,245 |
| Return on Equity (ROE) | 1.3193% | 5,142 |
| Retained earnings to average equity (ytd only) | -7.8141% | 6,329 |
| Net charge-offs to loans | 0.1501% | 5,751 |
| Credit loss provision to net charge-offs | 382.3529% | 831 |
| Earnings coverage of net charge-offs (x) | 4.6176% | 2,880 |
| Efficiency ratio | 87.8295% | 1,895 |
| Assets per employee ($millions) | 3.1533% | 5,850 |
| Cash dividends to net income (ytd only)* | 692.3077% | 38 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8230% | 2,473 |
| Loan loss allowance to noncurrent loans | 33.0159% | 6,250 |
| Noncurrent assets plus other real estate owned to assets | 3.9958% | 1,650 |
| Noncurrent loans to loans | 5.5215% | 1,165 |
| Net loans and leases to total assets | 71.0494% | 2,986 |
| Net loans and leases to deposits | 83.7658% | 3,321 |
| Net loans and leases to core deposits | 113.3461% | 2,558 |
| Total domestic deposits to total assets | 84.8191% | 3,640 |
| Equity capital to assets | 14.7845% | 955 |
| Core capital (leverage) ratio | 15.1081% | 754 |
| Tier 1 risk-based capital ratio | 15.2907% | 2,801 |
| Total risk-based capital ratio | 16.4892% | 2,790 |
| Memoranda: | ||
| Average total assets | $30,362,000 | 7,458 |
| Average earning assets | $28,052,400 | 7,428 |
| Average equity | $4,927,000 | 6,969 |
| Average total loans | $22,657,000 | 7,049 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0204% | 1,952 |
| Cost of funding earning assets | 1.7673% | 4,540 |
| Net interest margin | 4.2531% | 1,861 |
| Noninterest income to average assets | 0.4478% | 4,913 |
| Noninterest expense to average assets | 3.7601% | 1,688 |
| Loan and lease loss provision to assets | 0.1818% | 5,547 |
| Net operating income to assets | 0.4035% | 4,386 |
| Return on assets (ROA) | 0.4035% | 4,488 |
| Pretax return on assets | 0.4434% | 4,683 |
| Return on Equity (ROE) | 2.4299% | 5,016 |
| Retained earnings to average equity (ytd only) | -9.5859% | 6,768 |
| Net charge-offs to loans | 0.0236% | 6,556 |
| Credit loss provision to net charge-offs | 1,025.0000% | 363 |
| Earnings coverage of net charge-offs (x) | 35.2720% | 826 |
| Efficiency ratio | 85.7432% | 2,091 |
| Assets per employee ($millions) | 2.4101% | 7,367 |
| Cash dividends to net income (ytd only)* | 494.5108% | 69 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6092% | 2,950 |
| Loan loss allowance to noncurrent loans | 22.7389% | 6,932 |
| Noncurrent assets plus other real estate owned to assets | 5.0110% | 1,170 |
| Noncurrent loans to loans | 7.0769% | 760 |
| Net loans and leases to total assets | 69.6690% | 3,589 |
| Net loans and leases to deposits | 82.3046% | 3,955 |
| Net loans and leases to core deposits | 112.8820% | 2,941 |
| Total domestic deposits to total assets | 84.6478% | 3,405 |
| Equity capital to assets | 15.0267% | 997 |
| Core capital (leverage) ratio | 14.7148% | 912 |
| Tier 1 risk-based capital ratio | 15.2842% | 2,918 |
| Total risk-based capital ratio | 16.4432% | 2,897 |
| Memoranda: | ||
| Average total assets | $30,069,250 | 7,536 |
| Average earning assets | $27,838,000 | 7,503 |
| Average equity | $4,993,250 | 6,999 |
| Average total loans | $22,616,250 | 7,117 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1610% | 1,596 |
| Cost of funding earning assets | 1.6677% | 5,433 |
| Net interest margin | 4.4933% | 1,180 |
| Noninterest income to average assets | 0.4385% | 4,947 |
| Noninterest expense to average assets | 3.9597% | 1,384 |
| Loan and lease loss provision to assets | 0.1821% | 5,218 |
| Net operating income to assets | 0.4047% | 4,497 |
| Return on assets (ROA) | 0.4047% | 4,607 |
| Pretax return on assets | 0.4587% | 4,754 |
| Return on Equity (ROE) | 2.3583% | 5,156 |
| Retained earnings to average equity (ytd only) | 2.3583% | 4,024 |
| Net charge-offs to loans | 0.0088% | 6,448 |
| Credit loss provision to net charge-offs | 2,700.0000% | 187 |
| Earnings coverage of net charge-offs (x) | 95.0000% | 400 |
| Efficiency ratio | 86.0704% | 2,221 |
| Assets per employee ($millions) | 2.1968% | 7,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4873% | 3,266 |
| Loan loss allowance to noncurrent loans | 27.9709% | 6,633 |
| Noncurrent assets plus other real estate owned to assets | 4.0221% | 1,468 |
| Noncurrent loans to loans | 5.3172% | 1,116 |
| Net loans and leases to total assets | 74.5180% | 2,569 |
| Net loans and leases to deposits | 92.5868% | 2,352 |
| Net loans and leases to core deposits | 126.0755% | 1,865 |
| Total domestic deposits to total assets | 80.4845% | 5,279 |
| Equity capital to assets | 16.6770% | 716 |
| Core capital (leverage) ratio | 16.9348% | 620 |
| Tier 1 risk-based capital ratio | 21.9835% | 1,260 |
| Total risk-based capital ratio | 23.2356% | 1,231 |
| Memoranda: | ||
| Average total assets | $29,648,670 | 7,618 |
| Average earning assets | $27,463,000 | 7,581 |
| Average equity | $5,088,330 | 7,029 |
| Average total loans | $22,760,000 | 7,160 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4678% | 921 |
| Cost of funding earning assets | 1.5909% | 6,069 |
| Net interest margin | 4.8769% | 528 |
| Noninterest income to average assets | 0.3574% | 5,587 |
| Noninterest expense to average assets | 3.7807% | 1,506 |
| Loan and lease loss provision to assets | 0.1925% | 4,511 |
| Net operating income to assets | 0.8249% | 3,026 |
| Return on assets (ROA) | 0.8249% | 3,181 |
| Pretax return on assets | 0.8936% | 3,745 |
| Return on Equity (ROE) | 4.7356% | 4,585 |
| Retained earnings to average equity (ytd only) | 4.7356% | 3,273 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6836% | 3,223 |
| Assets per employee ($millions) | 1.9705% | 7,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4560% | 3,198 |
| Loan loss allowance to noncurrent loans | 81.8627% | 3,609 |
| Noncurrent assets plus other real estate owned to assets | 1.3804% | 3,889 |
| Noncurrent loans to loans | 1.7786% | 3,594 |
| Net loans and leases to total assets | 76.4793% | 2,165 |
| Net loans and leases to deposits | 98.5225% | 1,596 |
| Net loans and leases to core deposits | 126.7381% | 1,868 |
| Total domestic deposits to total assets | 77.6263% | 6,122 |
| Equity capital to assets | 17.2683% | 694 |
| Core capital (leverage) ratio | 17.8386% | 576 |
| Tier 1 risk-based capital ratio | 20.2089% | 1,578 |
| Total risk-based capital ratio | 21.4584% | 1,536 |
| Memoranda: | ||
| Average total assets | $29,095,500 | 7,682 |
| Average earning assets | $26,902,500 | 7,644 |
| Average equity | $5,068,000 | 7,087 |
| Average total loans | $22,508,000 | 7,217 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4651% | 3,138 |
| Cost of funding earning assets | 2.5275% | 4,063 |
| Net interest margin | 3.9376% | 3,409 |
| Noninterest income to average assets | 0.4201% | 5,298 |
| Noninterest expense to average assets | 3.7520% | 1,848 |
| Loan and lease loss provision to assets | 0.1353% | 5,628 |
| Net operating income to assets | 0.2777% | 5,623 |
| Return on assets (ROA) | 0.2777% | 5,435 |
| Pretax return on assets | 0.1709% | 5,791 |
| Return on Equity (ROE) | 1.5610% | 5,751 |
| Retained earnings to average equity (ytd only) | 1.5610% | 4,284 |
| Net charge-offs to loans | 0.4638% | 2,509 |
| Credit loss provision to net charge-offs | 42.6966% | 6,429 |
| Earnings coverage of net charge-offs (x) | 0.9663% | 5,648 |
| Efficiency ratio | 92.4561% | 1,357 |
| Assets per employee ($millions) | 2.0453% | 7,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4495% | 2,929 |
| Loan loss allowance to noncurrent loans | 184.9711% | 2,086 |
| Noncurrent assets plus other real estate owned to assets | 0.8905% | 4,631 |
| Noncurrent loans to loans | 0.7836% | 5,077 |
| Net loans and leases to total assets | 75.9831% | 2,625 |
| Net loans and leases to deposits | 102.9625% | 1,476 |
| Net loans and leases to core deposits | 121.6562% | 2,542 |
| Total domestic deposits to total assets | 73.7969% | 6,686 |
| Equity capital to assets | 17.5735% | 709 |
| Core capital (leverage) ratio | 17.8919% | 616 |
| Tier 1 risk-based capital ratio | 21.1911% | 1,435 |
| Total risk-based capital ratio | 22.4416% | 1,404 |
| Memoranda: | ||
| Average total assets | $28,091,800 | 7,725 |
| Average earning assets | $25,954,600 | 7,695 |
| Average equity | $4,996,800 | 7,142 |
| Average total loans | $19,190,800 | 7,389 |