Home > New Foundation Savings Bank > Performance and Condition Ratios
New Foundation Savings Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 3 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4834% | 2,130 |
| Cost of funding earning assets | 2.1486% | 1,557 |
| Net interest margin | 3.3348% | 2,699 |
| Noninterest income to average assets | 0.2100% | 3,487 |
| Noninterest expense to average assets | 3.7326% | 465 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | -0.3506% | 4,292 |
| Return on assets (ROA) | -0.3506% | 4,323 |
| Pretax return on assets | -0.4537% | 4,330 |
| Return on Equity (ROE) | -2.4800% | 4,285 |
| Retained earnings to average equity (ytd only) | -2.4759% | 3,950 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 113.8365% | 154 |
| Assets per employee ($millions) | 3.8032% | 4,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5429% | 4,224 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 82.8500% | 321 |
| Net loans and leases to deposits | 101.0973% | 369 |
| Net loans and leases to core deposits | 109.0167% | 885 |
| Total domestic deposits to total assets | 81.9500% | 3,323 |
| Equity capital to assets | 14.4300% | 640 |
| Core capital (leverage) ratio | 14.0576% | 789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $19,396,500 | 4,391 |
| Average earning assets | $17,872,000 | 4,367 |
| Average equity | $2,746,500 | 4,368 |
| Average total loans | $16,274,500 | 4,246 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5598% | 2,019 |
| Cost of funding earning assets | 2.2441% | 1,637 |
| Net interest margin | 3.3157% | 2,474 |
| Noninterest income to average assets | 0.3300% | 2,878 |
| Noninterest expense to average assets | 4.1006% | 354 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | -0.6000% | 4,359 |
| Return on assets (ROA) | -0.6000% | 4,389 |
| Pretax return on assets | -0.6708% | 4,383 |
| Return on Equity (ROE) | -4.4700% | 4,345 |
| Retained earnings to average equity (ytd only) | -4.4703% | 4,267 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 119.5592% | 133 |
| Assets per employee ($millions) | 3.9554% | 4,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5147% | 4,263 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 84.0500% | 276 |
| Net loans and leases to deposits | 102.4783% | 377 |
| Net loans and leases to core deposits | 110.1663% | 930 |
| Total domestic deposits to total assets | 82.0200% | 3,242 |
| Equity capital to assets | 13.9000% | 696 |
| Core capital (leverage) ratio | 12.9902% | 1,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $21,167,400 | 4,414 |
| Average earning assets | $19,784,800 | 4,383 |
| Average equity | $2,841,000 | 4,378 |
| Average total loans | $17,652,400 | 4,247 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5660% | 1,954 |
| Cost of funding earning assets | 2.2304% | 1,671 |
| Net interest margin | 3.3356% | 2,376 |
| Noninterest income to average assets | 0.3600% | 2,665 |
| Noninterest expense to average assets | 4.2760% | 314 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | -0.6941% | 4,409 |
| Return on assets (ROA) | -0.6941% | 4,437 |
| Pretax return on assets | -0.7932% | 4,441 |
| Return on Equity (ROE) | -5.2100% | 4,391 |
| Retained earnings to average equity (ytd only) | -5.2140% | 4,341 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 122.7758% | 121 |
| Assets per employee ($millions) | 5.0520% | 3,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5040% | 4,306 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 84.0100% | 261 |
| Net loans and leases to deposits | 104.4934% | 306 |
| Net loans and leases to core deposits | 112.2529% | 854 |
| Total domestic deposits to total assets | 80.3900% | 3,403 |
| Equity capital to assets | 13.8015% | 773 |
| Core capital (leverage) ratio | 13.1474% | 1,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $21,515,000 | 4,440 |
| Average earning assets | $20,145,750 | 4,412 |
| Average equity | $2,864,000 | 4,407 |
| Average total loans | $17,888,250 | 4,264 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4499% | 2,061 |
| Cost of funding earning assets | 2.0692% | 1,953 |
| Net interest margin | 3.3807% | 2,222 |
| Noninterest income to average assets | 0.2500% | 3,346 |
| Noninterest expense to average assets | 3.3074% | 716 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.1002% | 4,124 |
| Return on assets (ROA) | 0.1002% | 4,150 |
| Pretax return on assets | 0.1093% | 4,149 |
| Return on Equity (ROE) | 0.7600% | 4,170 |
| Retained earnings to average equity (ytd only) | 0.7615% | 3,659 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 96.8000% | 350 |
| Assets per employee ($millions) | 4.3192% | 4,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4800% | 4,344 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 82.5600% | 427 |
| Net loans and leases to deposits | 112.9204% | 157 |
| Net loans and leases to core deposits | 117.5203% | 704 |
| Total domestic deposits to total assets | 73.1100% | 4,120 |
| Equity capital to assets | 13.3636% | 796 |
| Core capital (leverage) ratio | 13.5944% | 904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $21,950,667 | 4,459 |
| Average earning assets | $20,587,667 | 4,427 |
| Average equity | $2,889,000 | 4,419 |
| Average total loans | $18,163,667 | 4,283 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5458% | 1,727 |
| Cost of funding earning assets | 1.9641% | 2,082 |
| Net interest margin | 3.5817% | 1,763 |
| Noninterest income to average assets | 0.2200% | 3,505 |
| Noninterest expense to average assets | 3.2357% | 786 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.2711% | 3,869 |
| Return on assets (ROA) | 0.2711% | 3,905 |
| Pretax return on assets | 0.3435% | 3,852 |
| Return on Equity (ROE) | 2.0800% | 3,998 |
| Retained earnings to average equity (ytd only) | 2.0758% | 3,224 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 90.4040% | 571 |
| Assets per employee ($millions) | 4.2794% | 4,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4830% | 4,327 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 82.8100% | 349 |
| Net loans and leases to deposits | 108.2870% | 227 |
| Net loans and leases to core deposits | 110.7853% | 911 |
| Total domestic deposits to total assets | 76.4700% | 3,944 |
| Equity capital to assets | 13.5159% | 756 |
| Core capital (leverage) ratio | 13.1092% | 1,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4783% | 521 |
| Memoranda: | ||
| Average total assets | $22,128,000 | 4,491 |
| Average earning assets | $20,772,500 | 4,457 |
| Average equity | $2,890,500 | 4,442 |
| Average total loans | $18,288,000 | 4,309 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8865% | 2,308 |
| Cost of funding earning assets | 1.3497% | 2,361 |
| Net interest margin | 3.5368% | 2,101 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 2.8938% | 1,288 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.5563% | 3,549 |
| Return on assets (ROA) | 0.4193% | 3,830 |
| Pretax return on assets | 0.5522% | 3,716 |
| Return on Equity (ROE) | 3.5800% | 3,945 |
| Retained earnings to average equity (ytd only) | 3.5833% | 3,097 |
| Net charge-offs to loans | 0.0149% | 2,105 |
| Credit loss provision to net charge-offs | 400.0000% | 783 |
| Earnings coverage of net charge-offs (x) | 59.3333% | 1,196 |
| Efficiency ratio | 79.6571% | 935 |
| Assets per employee ($millions) | 4.5718% | 3,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4582% | 4,363 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 81.7400% | 454 |
| Net loans and leases to deposits | 107.0712% | 258 |
| Net loans and leases to core deposits | 115.0554% | 779 |
| Total domestic deposits to total assets | 76.3400% | 3,914 |
| Equity capital to assets | 12.6383% | 958 |
| Core capital (leverage) ratio | 12.4056% | 1,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $24,085,600 | 4,504 |
| Average earning assets | $22,449,600 | 4,468 |
| Average equity | $2,818,600 | 4,439 |
| Average total loans | $20,126,400 | 4,289 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0667% | 1,698 |
| Cost of funding earning assets | 1.2696% | 2,224 |
| Net interest margin | 3.7971% | 1,604 |
| Noninterest income to average assets | 3.3800% | 179 |
| Noninterest expense to average assets | 6.4773% | 166 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.2569% | 4,167 |
| Return on assets (ROA) | 0.5083% | 3,746 |
| Pretax return on assets | 0.6231% | 3,701 |
| Return on Equity (ROE) | 4.4300% | 3,913 |
| Retained earnings to average equity (ytd only) | 4.4269% | 3,137 |
| Net charge-offs to loans | 0.0195% | 1,733 |
| Credit loss provision to net charge-offs | 400.0000% | 718 |
| Earnings coverage of net charge-offs (x) | 26.6667% | 1,660 |
| Efficiency ratio | 93.6759% | 275 |
| Assets per employee ($millions) | 1.9393% | 4,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4303% | 4,390 |
| Loan loss allowance to noncurrent loans | 78.1818% | 3,397 |
| Noncurrent assets plus other real estate owned to assets | 0.4727% | 1,231 |
| Noncurrent loans to loans | 0.5504% | 1,447 |
| Net loans and leases to total assets | 85.5000% | 181 |
| Net loans and leases to deposits | 118.9858% | 85 |
| Net loans and leases to core deposits | 128.2418% | 363 |
| Total domestic deposits to total assets | 71.8600% | 4,259 |
| Equity capital to assets | 12.2035% | 989 |
| Core capital (leverage) ratio | 12.0618% | 1,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $24,392,250 | 4,530 |
| Average earning assets | $22,683,500 | 4,496 |
| Average equity | $2,801,000 | 4,459 |
| Average total loans | $20,465,250 | 4,300 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9799% | 1,596 |
| Cost of funding earning assets | 1.1124% | 2,243 |
| Net interest margin | 3.8675% | 1,492 |
| Noninterest income to average assets | 3.6900% | 155 |
| Noninterest expense to average assets | 7.1308% | 145 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | -0.0404% | 4,493 |
| Return on assets (ROA) | 0.3957% | 4,020 |
| Pretax return on assets | 0.4926% | 3,974 |
| Return on Equity (ROE) | 3.5200% | 4,093 |
| Retained earnings to average equity (ytd only) | 3.5151% | 3,346 |
| Net charge-offs to loans | 0.0291% | 1,307 |
| Credit loss provision to net charge-offs | 400.0000% | 733 |
| Earnings coverage of net charge-offs (x) | 6.3333% | 2,130 |
| Efficiency ratio | 97.8936% | 198 |
| Assets per employee ($millions) | 1.9552% | 4,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4327% | 4,425 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 84.3400% | 248 |
| Net loans and leases to deposits | 114.2288% | 148 |
| Net loans and leases to core deposits | 122.7682% | 458 |
| Total domestic deposits to total assets | 73.8400% | 4,205 |
| Equity capital to assets | 11.9896% | 1,052 |
| Core capital (leverage) ratio | 11.5637% | 1,586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $24,765,667 | 4,553 |
| Average earning assets | $23,012,333 | 4,521 |
| Average equity | $2,788,000 | 4,489 |
| Average total loans | $20,625,667 | 4,320 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9642% | 1,294 |
| Cost of funding earning assets | 1.0843% | 1,793 |
| Net interest margin | 3.8799% | 1,514 |
| Noninterest income to average assets | 4.5000% | 137 |
| Noninterest expense to average assets | 7.6325% | 137 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 0.2675% | 4,292 |
| Return on assets (ROA) | 0.4564% | 3,939 |
| Pretax return on assets | 0.5665% | 3,894 |
| Return on Equity (ROE) | 4.1800% | 4,010 |
| Retained earnings to average equity (ytd only) | 4.1794% | 3,217 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 94.1748% | 257 |
| Assets per employee ($millions) | 1.5616% | 4,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3894% | 4,502 |
| Loan loss allowance to noncurrent loans | 365.2174% | 1,990 |
| Noncurrent assets plus other real estate owned to assets | 0.0921% | 2,891 |
| Noncurrent loans to loans | 0.1066% | 2,997 |
| Net loans and leases to total assets | 86.0000% | 131 |
| Net loans and leases to deposits | 124.0446% | 61 |
| Net loans and leases to core deposits | 133.3271% | 241 |
| Total domestic deposits to total assets | 69.3300% | 4,433 |
| Equity capital to assets | 11.1107% | 1,298 |
| Core capital (leverage) ratio | 11.3230% | 1,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $25,417,500 | 4,606 |
| Average earning assets | $23,609,000 | 4,575 |
| Average equity | $2,775,500 | 4,555 |
| Average total loans | $21,001,000 | 4,382 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2659% | 1,127 |
| Cost of funding earning assets | 0.7340% | 502 |
| Net interest margin | 3.5319% | 1,832 |
| Noninterest income to average assets | 7.2500% | 116 |
| Noninterest expense to average assets | 9.9531% | 108 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.4323% | 4,204 |
| Return on assets (ROA) | 0.5563% | 3,941 |
| Pretax return on assets | 0.6916% | 3,861 |
| Return on Equity (ROE) | 5.5100% | 3,927 |
| Retained earnings to average equity (ytd only) | 5.5137% | 2,823 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 94.6052% | 220 |
| Assets per employee ($millions) | 1.4361% | 4,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3769% | 4,511 |
| 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 | 78.7400% | 726 |
| Net loans and leases to deposits | 107.3693% | 211 |
| Net loans and leases to core deposits | 112.7458% | 528 |
| Total domestic deposits to total assets | 73.3300% | 4,378 |
| Equity capital to assets | 10.7350% | 1,359 |
| Core capital (leverage) ratio | 10.2413% | 2,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $26,604,800 | 4,631 |
| Average earning assets | $24,660,600 | 4,602 |
| Average equity | $2,684,200 | 4,637 |
| Average total loans | $22,300,000 | 4,373 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0688% | 1,121 |
| Cost of funding earning assets | 0.6772% | 299 |
| Net interest margin | 3.3916% | 2,000 |
| Noninterest income to average assets | 7.7400% | 115 |
| Noninterest expense to average assets | 10.3207% | 102 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4329% | 4,189 |
| Return on assets (ROA) | 0.5374% | 3,936 |
| Pretax return on assets | 0.6668% | 3,865 |
| Return on Equity (ROE) | 5.4100% | 3,902 |
| Retained earnings to average equity (ytd only) | 5.4103% | 2,951 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 94.8331% | 219 |
| Assets per employee ($millions) | 1.0709% | 4,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3253% | 4,573 |
| Loan loss allowance to noncurrent loans | 248.3871% | 2,427 |
| Noncurrent assets plus other real estate owned to assets | 0.1113% | 2,848 |
| Noncurrent loans to loans | 0.1310% | 2,982 |
| Net loans and leases to total assets | 84.7300% | 201 |
| Net loans and leases to deposits | 123.3452% | 43 |
| Net loans and leases to core deposits | 129.4502% | 153 |
| Total domestic deposits to total assets | 68.6900% | 4,554 |
| Equity capital to assets | 9.8046% | 1,723 |
| Core capital (leverage) ratio | 10.1230% | 2,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $26,793,500 | 4,665 |
| Average earning assets | $24,806,000 | 4,638 |
| Average equity | $2,661,500 | 4,674 |
| Average total loans | $22,767,250 | 4,395 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9762% | 972 |
| Cost of funding earning assets | 0.7051% | 155 |
| Net interest margin | 3.2712% | 1,987 |
| Noninterest income to average assets | 7.8356% | 73 |
| Noninterest expense to average assets | 10.7778% | 65 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.0151% | 4,571 |
| Return on assets (ROA) | 0.2647% | 4,300 |
| Pretax return on assets | 0.3252% | 4,265 |
| Return on Equity (ROE) | 2.6529% | 4,266 |
| Retained earnings to average equity (ytd only) | 2.6529% | 3,561 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.3031% | 197 |
| Assets per employee ($millions) | 0.8818% | 4,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3523% | 4,638 |
| Loan loss allowance to noncurrent loans | 187.8049% | 2,758 |
| Noncurrent assets plus other real estate owned to assets | 0.1550% | 2,626 |
| Noncurrent loans to loans | 0.1876% | 2,765 |
| Net loans and leases to total assets | 82.3360% | 270 |
| Net loans and leases to deposits | 115.9295% | 56 |
| Net loans and leases to core deposits | 122.9441% | 169 |
| Total domestic deposits to total assets | 71.0225% | 4,603 |
| Equity capital to assets | 10.0435% | 1,693 |
| Core capital (leverage) ratio | 10.0594% | 2,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $26,443,333 | 4,707 |
| Average earning assets | $24,395,000 | 4,689 |
| Average equity | $2,638,667 | 4,710 |
| Average total loans | $22,467,000 | 4,458 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9776% | 801 |
| Cost of funding earning assets | 0.7561% | 111 |
| Net interest margin | 3.2216% | 1,811 |
| Noninterest income to average assets | 8.4123% | 68 |
| Noninterest expense to average assets | 11.6955% | 60 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.3480% | 4,673 |
| Return on assets (ROA) | 0.1362% | 4,393 |
| Pretax return on assets | 0.1664% | 4,367 |
| Return on Equity (ROE) | 1.3691% | 4,362 |
| Retained earnings to average equity (ytd only) | 1.3691% | 3,730 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.7926% | 205 |
| Assets per employee ($millions) | 0.7946% | 4,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3560% | 4,667 |
| 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 | 84.7597% | 71 |
| Net loans and leases to deposits | 123.3671% | 30 |
| Net loans and leases to core deposits | 131.4085% | 86 |
| Total domestic deposits to total assets | 68.7053% | 4,670 |
| Equity capital to assets | 10.3477% | 1,660 |
| Core capital (leverage) ratio | 9.9317% | 2,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $26,437,500 | 4,730 |
| Average earning assets | $24,336,000 | 4,712 |
| Average equity | $2,629,500 | 4,736 |
| Average total loans | $22,771,000 | 4,471 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6700% | 2,197 |
| Cost of funding earning assets | 0.9234% | 99 |
| Net interest margin | 2.7466% | 3,791 |
| Noninterest income to average assets | 12.4865% | 55 |
| Noninterest expense to average assets | 12.3010% | 56 |
| Loan and lease loss provision to assets | 0.0036% | 3,007 |
| Net operating income to assets | 2.5533% | 152 |
| Return on assets (ROA) | 0.9275% | 3,014 |
| Pretax return on assets | 1.0984% | 2,973 |
| Return on Equity (ROE) | 10.2000% | 2,459 |
| Retained earnings to average equity (ytd only) | 10.2000% | 867 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8490% | 690 |
| Assets per employee ($millions) | 0.8578% | 4,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3262% | 4,712 |
| Loan loss allowance to noncurrent loans | 243.7500% | 2,333 |
| Noncurrent assets plus other real estate owned to assets | 0.1166% | 3,111 |
| Noncurrent loans to loans | 0.1338% | 3,260 |
| Net loans and leases to total assets | 86.8374% | 49 |
| Net loans and leases to deposits | 136.3460% | 15 |
| Net loans and leases to core deposits | 145.1910% | 58 |
| Total domestic deposits to total assets | 63.6890% | 4,748 |
| Equity capital to assets | 9.5741% | 3,069 |
| Core capital (leverage) ratio | 9.8580% | 2,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $27,493,600 | 4,758 |
| Average earning assets | $25,449,400 | 4,739 |
| Average equity | $2,500,000 | 4,785 |
| Average total loans | $23,813,200 | 4,500 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6043% | 2,546 |
| Cost of funding earning assets | 0.9639% | 101 |
| Net interest margin | 2.6403% | 4,071 |
| Noninterest income to average assets | 13.2192% | 55 |
| Noninterest expense to average assets | 12.2836% | 58 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 3.1218% | 111 |
| Return on assets (ROA) | 1.0034% | 2,957 |
| Pretax return on assets | 1.2604% | 2,733 |
| Return on Equity (ROE) | 11.1829% | 2,318 |
| Retained earnings to average equity (ytd only) | 11.1829% | 1,017 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4277% | 842 |
| Assets per employee ($millions) | 0.8902% | 4,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3283% | 4,802 |
| Loan loss allowance to noncurrent loans | 240.6250% | 2,294 |
| Noncurrent assets plus other real estate owned to assets | 0.1198% | 3,321 |
| Noncurrent loans to loans | 0.1364% | 3,428 |
| Net loans and leases to total assets | 87.5271% | 42 |
| Net loans and leases to deposits | 136.0515% | 19 |
| Net loans and leases to core deposits | 145.0152% | 67 |
| Total domestic deposits to total assets | 64.3339% | 4,808 |
| Equity capital to assets | 9.6645% | 3,231 |
| Core capital (leverage) ratio | 9.5305% | 2,982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $27,504,750 | 4,829 |
| Average earning assets | $25,450,750 | 4,815 |
| Average equity | $2,468,000 | 4,861 |
| Average total loans | $23,788,000 | 4,559 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6681% | 2,422 |
| Cost of funding earning assets | 1.0414% | 92 |
| Net interest margin | 2.6267% | 4,122 |
| Noninterest income to average assets | 13.1504% | 54 |
| Noninterest expense to average assets | 12.7759% | 54 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.6430% | 185 |
| Return on assets (ROA) | 0.6554% | 3,924 |
| Pretax return on assets | 0.8210% | 3,817 |
| Return on Equity (ROE) | 7.4887% | 3,532 |
| Retained earnings to average equity (ytd only) | 7.4887% | 2,256 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9778% | 669 |
| Assets per employee ($millions) | 1.0005% | 4,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3070% | 4,843 |
| Loan loss allowance to noncurrent loans | 304.0000% | 1,875 |
| Noncurrent assets plus other real estate owned to assets | 0.0892% | 3,610 |
| Noncurrent loans to loans | 0.1010% | 3,679 |
| Net loans and leases to total assets | 88.0850% | 40 |
| Net loans and leases to deposits | 143.8976% | 20 |
| Net loans and leases to core deposits | 153.3686% | 61 |
| Total domestic deposits to total assets | 61.2136% | 4,863 |
| Equity capital to assets | 8.8060% | 3,968 |
| Core capital (leverage) ratio | 8.9589% | 3,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $27,771,000 | 4,860 |
| Average earning assets | $25,735,667 | 4,843 |
| Average equity | $2,430,333 | 4,900 |
| Average total loans | $23,900,000 | 4,591 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7212% | 2,308 |
| Cost of funding earning assets | 1.2300% | 49 |
| Net interest margin | 2.4912% | 4,313 |
| Noninterest income to average assets | 15.9572% | 48 |
| Noninterest expense to average assets | 14.0765% | 47 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 3.9495% | 83 |
| Return on assets (ROA) | 0.9693% | 3,003 |
| Pretax return on assets | 1.2152% | 2,804 |
| Return on Equity (ROE) | 11.1111% | 2,330 |
| Retained earnings to average equity (ytd only) | 11.1111% | 1,375 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0388% | 1,036 |
| Assets per employee ($millions) | 0.9492% | 4,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3179% | 4,867 |
| Loan loss allowance to noncurrent loans | 334.7826% | 1,617 |
| Noncurrent assets plus other real estate owned to assets | 0.0808% | 3,805 |
| Noncurrent loans to loans | 0.0950% | 3,831 |
| Net loans and leases to total assets | 84.7807% | 118 |
| Net loans and leases to deposits | 142.7060% | 24 |
| Net loans and leases to core deposits | 152.2065% | 73 |
| Total domestic deposits to total assets | 59.4093% | 4,887 |
| Equity capital to assets | 8.5789% | 4,062 |
| Core capital (leverage) ratio | 10.1209% | 2,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $27,649,000 | 4,887 |
| Average earning assets | $25,690,500 | 4,867 |
| Average equity | $2,412,000 | 4,927 |
| Average total loans | $23,473,500 | 4,627 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3978% | 1,597 |
| Cost of funding earning assets | 1.5154% | 76 |
| Net interest margin | 2.8824% | 4,139 |
| Noninterest income to average assets | 14.3659% | 54 |
| Noninterest expense to average assets | 13.6573% | 55 |
| Loan and lease loss provision to assets | 0.0207% | 4,133 |
| Net operating income to assets | 3.1408% | 85 |
| Return on assets (ROA) | 0.8163% | 3,150 |
| Pretax return on assets | 1.0193% | 2,980 |
| Return on Equity (ROE) | 8.8009% | 2,471 |
| Retained earnings to average equity (ytd only) | 8.8009% | 821 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2337% | 872 |
| Assets per employee ($millions) | 0.9579% | 4,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3388% | 4,884 |
| Loan loss allowance to noncurrent loans | 226.4706% | 2,135 |
| Noncurrent assets plus other real estate owned to assets | 0.1268% | 3,651 |
| Noncurrent loans to loans | 0.1496% | 3,686 |
| Net loans and leases to total assets | 84.4488% | 153 |
| Net loans and leases to deposits | 135.6856% | 34 |
| Net loans and leases to core deposits | 144.8210% | 102 |
| Total domestic deposits to total assets | 62.2385% | 4,896 |
| Equity capital to assets | 8.8774% | 4,166 |
| Core capital (leverage) ratio | 8.2553% | 4,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $24,133,600 | 4,927 |
| Average earning assets | $22,238,400 | 4,906 |
| Average equity | $2,238,400 | 4,956 |
| Average total loans | $20,188,600 | 4,711 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3460% | 1,977 |
| Cost of funding earning assets | 1.4713% | 134 |
| Net interest margin | 2.8747% | 4,222 |
| Noninterest income to average assets | 13.2070% | 58 |
| Noninterest expense to average assets | 13.2865% | 55 |
| Loan and lease loss provision to assets | 0.0298% | 3,960 |
| Net operating income to assets | 2.3868% | 163 |
| Return on assets (ROA) | 0.6081% | 3,836 |
| Pretax return on assets | 0.7558% | 3,762 |
| Return on Equity (ROE) | 6.4766% | 3,380 |
| Retained earnings to average equity (ytd only) | 6.4766% | 1,894 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8293% | 617 |
| Assets per employee ($millions) | 1.0998% | 4,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3052% | 4,930 |
| Loan loss allowance to noncurrent loans | 223.5294% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 0.1145% | 3,857 |
| Noncurrent loans to loans | 0.1366% | 3,835 |
| Net loans and leases to total assets | 83.5898% | 317 |
| Net loans and leases to deposits | 153.1560% | 25 |
| Net loans and leases to core deposits | 158.4046% | 87 |
| Total domestic deposits to total assets | 54.5782% | 4,961 |
| Equity capital to assets | 7.7185% | 4,799 |
| Core capital (leverage) ratio | 8.4003% | 4,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $23,461,750 | 4,961 |
| Average earning assets | $21,567,250 | 4,945 |
| Average equity | $2,202,750 | 4,988 |
| Average total loans | $19,554,000 | 4,759 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5130% | 1,880 |
| Cost of funding earning assets | 1.3549% | 280 |
| Net interest margin | 3.1581% | 3,770 |
| Noninterest income to average assets | 10.1571% | 64 |
| Noninterest expense to average assets | 12.3737% | 60 |
| Loan and lease loss provision to assets | 0.0468% | 3,715 |
| Net operating income to assets | 0.6360% | 3,623 |
| Return on assets (ROA) | 0.0281% | 4,775 |
| Pretax return on assets | 0.0281% | 4,772 |
| Return on Equity (ROE) | 0.2761% | 4,770 |
| Retained earnings to average equity (ytd only) | 0.2761% | 4,252 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7708% | 276 |
| Assets per employee ($millions) | 0.9119% | 5,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3594% | 4,931 |
| Loan loss allowance to noncurrent loans | 350.0000% | 1,369 |
| Noncurrent assets plus other real estate owned to assets | 0.0894% | 4,083 |
| Noncurrent loans to loans | 0.1027% | 4,042 |
| Net loans and leases to total assets | 86.7065% | 107 |
| Net loans and leases to deposits | 141.3588% | 36 |
| Net loans and leases to core deposits | 146.5404% | 122 |
| Total domestic deposits to total assets | 61.3379% | 4,952 |
| Equity capital to assets | 8.8948% | 4,175 |
| Core capital (leverage) ratio | 9.1168% | 3,778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $21,384,000 | 5,003 |
| Average earning assets | $19,632,333 | 4,989 |
| Average equity | $2,173,000 | 5,019 |
| Average total loans | $17,772,667 | 4,818 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3662% | 2,726 |
| Cost of funding earning assets | 1.1467% | 918 |
| Net interest margin | 3.2195% | 3,806 |
| Noninterest income to average assets | 6.6783% | 77 |
| Noninterest expense to average assets | 10.9281% | 71 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -1.1333% | 5,001 |
| Return on assets (ROA) | -0.5666% | 4,918 |
| Pretax return on assets | -0.7285% | 4,926 |
| Return on Equity (ROE) | -5.1744% | 4,928 |
| Retained earnings to average equity (ytd only) | -5.1744% | 4,537 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.4454% | 131 |
| Assets per employee ($millions) | 0.8009% | 5,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4338% | 4,926 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 81.3855% | 521 |
| Net loans and leases to deposits | 119.8074% | 81 |
| Net loans and leases to core deposits | 124.6748% | 354 |
| Total domestic deposits to total assets | 67.9303% | 4,926 |
| Equity capital to assets | 10.7632% | 3,085 |
| Core capital (leverage) ratio | 11.2787% | 2,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $19,765,500 | 5,060 |
| Average earning assets | $18,139,500 | 5,048 |
| Average equity | $2,164,500 | 5,064 |
| Average total loans | $15,946,500 | 4,885 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8769% | 1,820 |
| Cost of funding earning assets | 1.3021% | 765 |
| Net interest margin | 3.5748% | 3,215 |
| Noninterest income to average assets | 8.8167% | 66 |
| Noninterest expense to average assets | 11.5111% | 58 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.6058% | 4,139 |
| Return on assets (ROA) | 0.1754% | 4,884 |
| Pretax return on assets | 0.1435% | 4,922 |
| Return on Equity (ROE) | 1.5333% | 4,857 |
| Retained earnings to average equity (ytd only) | 1.5333% | 4,190 |
| Net charge-offs to loans | -0.0596% | 4,853 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2507% | 225 |
| Assets per employee ($millions) | 0.7804% | 5,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4573% | 4,939 |
| Loan loss allowance to noncurrent loans | 208.8235% | 2,020 |
| Noncurrent assets plus other real estate owned to assets | 0.1743% | 3,781 |
| Noncurrent loans to loans | 0.2190% | 3,666 |
| Net loans and leases to total assets | 79.2250% | 894 |
| Net loans and leases to deposits | 112.4809% | 151 |
| Net loans and leases to core deposits | 116.9846% | 564 |
| Total domestic deposits to total assets | 70.4342% | 4,917 |
| Equity capital to assets | 11.1436% | 2,868 |
| Core capital (leverage) ratio | 11.2807% | 2,265 |
| Tier 1 risk-based capital ratio | 19.9340% | 1,337 |
| Total risk-based capital ratio | 20.5853% | 1,415 |
| Memoranda: | ||
| Average total assets | $18,816,600 | 5,126 |
| Average earning assets | $17,203,600 | 5,115 |
| Average equity | $2,152,200 | 5,127 |
| Average total loans | $15,110,200 | 4,964 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9048% | 1,808 |
| Cost of funding earning assets | 1.2986% | 790 |
| Net interest margin | 3.6063% | 3,230 |
| Noninterest income to average assets | 9.2612% | 65 |
| Noninterest expense to average assets | 11.8287% | 57 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7581% | 3,825 |
| Return on assets (ROA) | 0.2002% | 4,967 |
| Pretax return on assets | 0.1716% | 4,997 |
| Return on Equity (ROE) | 1.7389% | 4,930 |
| Retained earnings to average equity (ytd only) | 1.7389% | 4,353 |
| Net charge-offs to loans | -0.0800% | 4,950 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1913% | 226 |
| Assets per employee ($millions) | 0.7330% | 5,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4544% | 5,022 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 81.6131% | 614 |
| Net loans and leases to deposits | 117.4254% | 112 |
| Net loans and leases to core deposits | 122.2816% | 465 |
| Total domestic deposits to total assets | 69.5020% | 5,014 |
| Equity capital to assets | 11.3816% | 2,757 |
| Core capital (leverage) ratio | 11.6066% | 2,143 |
| Tier 1 risk-based capital ratio | 20.4451% | 1,297 |
| Total risk-based capital ratio | 21.1147% | 1,352 |
| Memoranda: | ||
| Average total assets | $18,643,500 | 5,206 |
| Average earning assets | $17,044,000 | 5,198 |
| Average equity | $2,146,750 | 5,203 |
| Average total loans | $15,006,000 | 5,040 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9704% | 1,564 |
| Cost of funding earning assets | 1.2899% | 763 |
| Net interest margin | 3.6805% | 2,987 |
| Noninterest income to average assets | 9.2944% | 59 |
| Noninterest expense to average assets | 11.7586% | 58 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9294% | 3,169 |
| Return on assets (ROA) | 0.2810% | 4,909 |
| Pretax return on assets | 0.2486% | 4,981 |
| Return on Equity (ROE) | 2.4307% | 4,884 |
| Retained earnings to average equity (ytd only) | 2.4307% | 3,968 |
| Net charge-offs to loans | -0.1216% | 5,042 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9120% | 262 |
| Assets per employee ($millions) | 0.7090% | 5,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4878% | 5,034 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 78.5734% | 1,109 |
| Net loans and leases to deposits | 109.9264% | 222 |
| Net loans and leases to core deposits | 114.4788% | 760 |
| Total domestic deposits to total assets | 71.4782% | 4,995 |
| Equity capital to assets | 11.7440% | 2,389 |
| Core capital (leverage) ratio | 11.6355% | 2,071 |
| Tier 1 risk-based capital ratio | 19.8716% | 1,373 |
| Total risk-based capital ratio | 20.5227% | 1,457 |
| Memoranda: | ||
| Average total assets | $18,505,670 | 5,254 |
| Average earning assets | $16,900,000 | 5,248 |
| Average equity | $2,139,330 | 5,247 |
| Average total loans | $14,800,000 | 5,091 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6995% | 2,228 |
| Cost of funding earning assets | 1.1044% | 1,166 |
| Net interest margin | 3.5951% | 3,262 |
| Noninterest income to average assets | 7.0546% | 71 |
| Noninterest expense to average assets | 10.5064% | 60 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -0.1294% | 5,188 |
| Return on assets (ROA) | -0.1079% | 5,181 |
| Pretax return on assets | -0.1294% | 5,176 |
| Return on Equity (ROE) | -0.9405% | 5,184 |
| Retained earnings to average equity (ytd only) | -0.9405% | 4,642 |
| Net charge-offs to loans | -0.2413% | 5,190 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.4583% | 155 |
| Assets per employee ($millions) | 0.8440% | 5,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4652% | 5,121 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 81.8118% | 611 |
| Net loans and leases to deposits | 117.7885% | 106 |
| Net loans and leases to core deposits | 122.7673% | 456 |
| Total domestic deposits to total assets | 69.4566% | 5,126 |
| Equity capital to assets | 11.4666% | 2,425 |
| Core capital (leverage) ratio | 11.9534% | 1,803 |
| Tier 1 risk-based capital ratio | 19.1514% | 1,516 |
| Total risk-based capital ratio | 19.7883% | 1,609 |
| Memoranda: | ||
| Average total assets | $18,541,000 | 5,309 |
| Average earning assets | $17,023,000 | 5,300 |
| Average equity | $2,126,500 | 5,302 |
| Average total loans | $14,922,000 | 5,150 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6716% | 1,927 |
| Cost of funding earning assets | 1.3919% | 149 |
| Net interest margin | 3.2797% | 4,310 |
| Noninterest income to average assets | 10.2445% | 52 |
| Noninterest expense to average assets | 12.9833% | 49 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.2645% | 5,048 |
| Return on assets (ROA) | 0.0571% | 5,202 |
| Pretax return on assets | 0.0726% | 5,193 |
| Return on Equity (ROE) | 0.5231% | 5,196 |
| Retained earnings to average equity (ytd only) | 0.5231% | 4,845 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.8882% | 176 |
| Assets per employee ($millions) | 0.8416% | 5,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4252% | 5,192 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 78.4283% | 1,195 |
| Net loans and leases to deposits | 110.5856% | 237 |
| Net loans and leases to core deposits | 115.1546% | 730 |
| Total domestic deposits to total assets | 70.9209% | 5,126 |
| Equity capital to assets | 11.4718% | 2,272 |
| Core capital (leverage) ratio | 11.2774% | 2,281 |
| Tier 1 risk-based capital ratio | 20.8293% | 1,175 |
| Total risk-based capital ratio | 21.4327% | 1,256 |
| Memoranda: | ||
| Average total assets | $19,278,600 | 5,350 |
| Average earning assets | $17,745,600 | 5,336 |
| Average equity | $2,102,800 | 5,348 |
| Average total loans | $15,379,000 | 5,185 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6082% | 1,952 |
| Cost of funding earning assets | 1.3623% | 121 |
| Net interest margin | 3.2459% | 4,410 |
| Noninterest income to average assets | 9.9846% | 54 |
| Noninterest expense to average assets | 13.1279% | 48 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | -0.1301% | 5,335 |
| Return on assets (ROA) | -0.1027% | 5,329 |
| Pretax return on assets | -0.1301% | 5,331 |
| Return on Equity (ROE) | -0.9535% | 5,334 |
| Retained earnings to average equity (ytd only) | -0.9535% | 5,134 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.2144% | 134 |
| Assets per employee ($millions) | 0.7759% | 5,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3926% | 5,288 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 81.0908% | 860 |
| Net loans and leases to deposits | 121.3454% | 91 |
| Net loans and leases to core deposits | 126.4063% | 402 |
| Total domestic deposits to total assets | 66.8265% | 5,310 |
| Equity capital to assets | 10.7795% | 2,867 |
| Core capital (leverage) ratio | 10.9494% | 2,629 |
| Tier 1 risk-based capital ratio | 18.6568% | 1,626 |
| Total risk-based capital ratio | 19.2040% | 1,760 |
| Memoranda: | ||
| Average total assets | $19,469,500 | 5,418 |
| Average earning assets | $17,909,500 | 5,404 |
| Average equity | $2,097,500 | 5,419 |
| Average total loans | $15,578,000 | 5,243 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6626% | 1,601 |
| Cost of funding earning assets | 1.3608% | 85 |
| Net interest margin | 3.3017% | 4,242 |
| Noninterest income to average assets | 9.5622% | 56 |
| Noninterest expense to average assets | 12.9788% | 49 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -0.3488% | 5,423 |
| Return on assets (ROA) | -0.1129% | 5,377 |
| Pretax return on assets | -0.1436% | 5,383 |
| Return on Equity (ROE) | -1.0478% | 5,378 |
| Retained earnings to average equity (ytd only) | -1.0478% | 5,073 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.0130% | 140 |
| Assets per employee ($millions) | 0.7489% | 5,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4096% | 5,349 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 77.4126% | 1,408 |
| Net loans and leases to deposits | 115.2634% | 170 |
| Net loans and leases to core deposits | 120.0080% | 562 |
| Total domestic deposits to total assets | 67.1614% | 5,361 |
| Equity capital to assets | 10.7493% | 2,889 |
| Core capital (leverage) ratio | 10.6057% | 2,918 |
| Tier 1 risk-based capital ratio | 19.4078% | 1,453 |
| Total risk-based capital ratio | 19.9762% | 1,580 |
| Memoranda: | ||
| Average total assets | $19,493,330 | 5,484 |
| Average earning assets | $17,930,000 | 5,469 |
| Average equity | $2,099,670 | 5,482 |
| Average total loans | $15,506,670 | 5,306 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5318% | 1,768 |
| Cost of funding earning assets | 1.1552% | 171 |
| Net interest margin | 3.3767% | 3,958 |
| Noninterest income to average assets | 6.8087% | 77 |
| Noninterest expense to average assets | 11.5666% | 57 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -1.4971% | 5,554 |
| Return on assets (ROA) | -0.5127% | 5,492 |
| Pretax return on assets | -0.6563% | 5,509 |
| Return on Equity (ROE) | -4.7551% | 5,497 |
| Retained earnings to average equity (ytd only) | -4.7551% | 5,191 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.5289% | 73 |
| Assets per employee ($millions) | 0.7568% | 5,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4107% | 5,423 |
| Loan loss allowance to noncurrent loans | 344.4444% | 1,499 |
| Noncurrent assets plus other real estate owned to assets | 0.0951% | 4,623 |
| Noncurrent loans to loans | 0.1192% | 4,428 |
| Net loans and leases to total assets | 79.4757% | 1,011 |
| Net loans and leases to deposits | 107.8855% | 319 |
| Net loans and leases to core deposits | 112.0250% | 890 |
| Total domestic deposits to total assets | 73.6667% | 5,185 |
| Equity capital to assets | 11.0207% | 2,553 |
| Core capital (leverage) ratio | 10.9412% | 2,500 |
| Tier 1 risk-based capital ratio | 19.0770% | 1,534 |
| Total risk-based capital ratio | 19.6391% | 1,692 |
| Memoranda: | ||
| Average total assets | $19,504,500 | 5,546 |
| Average earning assets | $18,006,000 | 5,533 |
| Average equity | $2,103,000 | 5,537 |
| Average total loans | $15,692,500 | 5,364 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3568% | 2,162 |
| Cost of funding earning assets | 1.1280% | 114 |
| Net interest margin | 3.2288% | 4,362 |
| Noninterest income to average assets | 8.2528% | 71 |
| Noninterest expense to average assets | 10.2969% | 67 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8186% | 3,079 |
| Return on assets (ROA) | 0.2585% | 5,024 |
| Pretax return on assets | 0.3830% | 5,110 |
| Return on Equity (ROE) | 2.5685% | 4,930 |
| Retained earnings to average equity (ytd only) | 2.5685% | 3,784 |
| Net charge-offs to loans | 0.1587% | 1,535 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 7.2963% | 3,060 |
| Efficiency ratio | 91.6099% | 364 |
| Assets per employee ($millions) | 0.9567% | 5,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3807% | 5,504 |
| Loan loss allowance to noncurrent loans | 344.4444% | 1,495 |
| Noncurrent assets plus other real estate owned to assets | 0.0896% | 4,677 |
| Noncurrent loans to loans | 0.1105% | 4,490 |
| Net loans and leases to total assets | 80.7616% | 867 |
| Net loans and leases to deposits | 112.5173% | 201 |
| Net loans and leases to core deposits | 116.6679% | 700 |
| Total domestic deposits to total assets | 71.7770% | 5,333 |
| Equity capital to assets | 10.5575% | 3,099 |
| Core capital (leverage) ratio | 11.1498% | 2,196 |
| Tier 1 risk-based capital ratio | 21.1621% | 1,120 |
| Total risk-based capital ratio | 21.9484% | 1,172 |
| Memoranda: | ||
| Average total assets | $20,889,800 | 5,594 |
| Average earning assets | $19,326,200 | 5,573 |
| Average equity | $2,102,400 | 5,601 |
| Average total loans | $17,011,800 | 5,387 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3308% | 2,175 |
| Cost of funding earning assets | 1.1476% | 89 |
| Net interest margin | 3.1832% | 4,498 |
| Noninterest income to average assets | 8.9836% | 70 |
| Noninterest expense to average assets | 10.6020% | 66 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2202% | 1,608 |
| Return on assets (ROA) | 0.3793% | 5,070 |
| Pretax return on assets | 0.4868% | 5,054 |
| Return on Equity (ROE) | 3.8136% | 4,913 |
| Retained earnings to average equity (ytd only) | 3.8136% | 3,651 |
| Net charge-offs to loans | 0.1241% | 1,546 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 13.1266% | 2,373 |
| Efficiency ratio | 88.8712% | 456 |
| Assets per employee ($millions) | 0.9678% | 5,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4407% | 5,527 |
| Loan loss allowance to noncurrent loans | 405.5556% | 1,250 |
| Noncurrent assets plus other real estate owned to assets | 0.0886% | 4,794 |
| Noncurrent loans to loans | 0.1087% | 4,624 |
| Net loans and leases to total assets | 81.1396% | 818 |
| Net loans and leases to deposits | 118.1063% | 126 |
| Net loans and leases to core deposits | 122.5931% | 498 |
| Total domestic deposits to total assets | 68.7005% | 5,515 |
| Equity capital to assets | 10.5053% | 3,368 |
| Core capital (leverage) ratio | 10.6965% | 2,769 |
| Tier 1 risk-based capital ratio | 20.8528% | 1,221 |
| Total risk-based capital ratio | 21.7412% | 1,251 |
| Memoranda: | ||
| Average total assets | $21,089,750 | 5,654 |
| Average earning assets | $19,518,500 | 5,636 |
| Average equity | $2,097,750 | 5,665 |
| Average total loans | $17,193,000 | 5,438 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2589% | 2,251 |
| Cost of funding earning assets | 1.1532% | 74 |
| Net interest margin | 3.1057% | 4,664 |
| Noninterest income to average assets | 9.1074% | 67 |
| Noninterest expense to average assets | 10.7190% | 62 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1900% | 1,630 |
| Return on assets (ROA) | 0.2998% | 5,241 |
| Pretax return on assets | 0.3748% | 5,222 |
| Return on Equity (ROE) | 3.0691% | 5,098 |
| Retained earnings to average equity (ytd only) | 3.0691% | 3,883 |
| Net charge-offs to loans | 0.1839% | 1,079 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 8.4375% | 2,511 |
| Efficiency ratio | 89.4449% | 478 |
| Assets per employee ($millions) | 1.0445% | 5,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4155% | 5,598 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 79.7757% | 987 |
| Net loans and leases to deposits | 123.2427% | 69 |
| Net loans and leases to core deposits | 127.8253% | 346 |
| Total domestic deposits to total assets | 64.7306% | 5,656 |
| Equity capital to assets | 9.6015% | 4,311 |
| Core capital (leverage) ratio | 9.6289% | 3,986 |
| Tier 1 risk-based capital ratio | 17.6038% | 1,975 |
| Total risk-based capital ratio | 18.2137% | 2,122 |
| Memoranda: | ||
| Average total assets | $21,345,330 | 5,697 |
| Average earning assets | $19,770,330 | 5,682 |
| Average equity | $2,085,330 | 5,715 |
| Average total loans | $17,403,000 | 5,479 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1558% | 2,449 |
| Cost of funding earning assets | 1.0236% | 148 |
| Net interest margin | 3.1322% | 4,555 |
| Noninterest income to average assets | 6.5555% | 93 |
| Noninterest expense to average assets | 9.6147% | 75 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.1330% | 5,660 |
| Return on assets (ROA) | 0.0000% | 5,610 |
| Pretax return on assets | -0.0190% | 5,609 |
| Return on Equity (ROE) | 0.0000% | 5,609 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,911 |
| Net charge-offs to loans | 0.3695% | 501 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | -0.5000% | 2,870 |
| Efficiency ratio | 101.6064% | 205 |
| Assets per employee ($millions) | 1.0672% | 5,805 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4066% | 5,682 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2296% | 4,301 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 83.7706% | 391 |
| Net loans and leases to deposits | 124.4865% | 60 |
| Net loans and leases to core deposits | 129.0416% | 276 |
| Total domestic deposits to total assets | 67.2929% | 5,688 |
| Equity capital to assets | 9.6936% | 4,072 |
| Core capital (leverage) ratio | 10.0787% | 3,403 |
| Tier 1 risk-based capital ratio | 16.5089% | 2,355 |
| Total risk-based capital ratio | 17.0897% | 2,557 |
| Memoranda: | ||
| Average total assets | $21,051,000 | 5,773 |
| Average earning assets | $19,539,000 | 5,756 |
| Average equity | $2,075,000 | 5,778 |
| Average total loans | $17,319,000 | 5,542 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1649% | 2,611 |
| Cost of funding earning assets | 1.1285% | 79 |
| Net interest margin | 3.0364% | 4,887 |
| Noninterest income to average assets | 6.9585% | 85 |
| Noninterest expense to average assets | 8.9641% | 88 |
| Loan and lease loss provision to assets | 0.0094% | 4,182 |
| Net operating income to assets | 0.7779% | 3,412 |
| Return on assets (ROA) | 0.1078% | 5,583 |
| Pretax return on assets | 0.1265% | 5,568 |
| Return on Equity (ROE) | 1.1427% | 5,545 |
| Retained earnings to average equity (ytd only) | 1.1427% | 4,839 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7506% | 471 |
| Assets per employee ($millions) | 0.9871% | 5,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5334% | 5,625 |
| Loan loss allowance to noncurrent loans | 181.6327% | 2,423 |
| Noncurrent assets plus other real estate owned to assets | 0.4727% | 3,366 |
| Noncurrent loans to loans | 0.2937% | 4,095 |
| Net loans and leases to total assets | 80.0579% | 890 |
| Net loans and leases to deposits | 112.5839% | 178 |
| Net loans and leases to core deposits | 116.5777% | 593 |
| Total domestic deposits to total assets | 71.1095% | 5,609 |
| Equity capital to assets | 9.7395% | 4,016 |
| Core capital (leverage) ratio | 9.8053% | 3,740 |
| Tier 1 risk-based capital ratio | 18.4434% | 1,741 |
| Total risk-based capital ratio | 19.2564% | 1,807 |
| Memoranda: | ||
| Average total assets | $21,340,800 | 5,823 |
| Average earning assets | $19,760,200 | 5,803 |
| Average equity | $2,012,800 | 5,842 |
| Average total loans | $17,496,800 | 5,596 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2750% | 2,243 |
| Cost of funding earning assets | 1.1274% | 76 |
| Net interest margin | 3.1475% | 4,653 |
| Noninterest income to average assets | 6.7864% | 89 |
| Noninterest expense to average assets | 8.5295% | 92 |
| Loan and lease loss provision to assets | 0.0124% | 3,999 |
| Net operating income to assets | 1.1104% | 1,951 |
| Return on assets (ROA) | 0.2295% | 5,487 |
| Pretax return on assets | 0.2729% | 5,485 |
| Return on Equity (ROE) | 2.4527% | 5,365 |
| Retained earnings to average equity (ytd only) | 2.4527% | 4,451 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9718% | 675 |
| Assets per employee ($millions) | 1.0753% | 5,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5098% | 5,718 |
| Loan loss allowance to noncurrent loans | 189.3617% | 2,329 |
| Noncurrent assets plus other real estate owned to assets | 0.4464% | 3,632 |
| Noncurrent loans to loans | 0.2692% | 4,299 |
| Net loans and leases to total assets | 80.7589% | 790 |
| Net loans and leases to deposits | 113.8214% | 186 |
| Net loans and leases to core deposits | 117.7013% | 584 |
| Total domestic deposits to total assets | 70.9523% | 5,645 |
| Equity capital to assets | 9.4532% | 4,711 |
| Core capital (leverage) ratio | 9.4299% | 4,287 |
| Tier 1 risk-based capital ratio | 16.5689% | 2,384 |
| Total risk-based capital ratio | 17.2942% | 2,550 |
| Memoranda: | ||
| Average total assets | $21,493,500 | 5,887 |
| Average earning assets | $19,867,000 | 5,866 |
| Average equity | $2,011,250 | 5,906 |
| Average total loans | $17,699,750 | 5,642 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2601% | 2,299 |
| Cost of funding earning assets | 1.0675% | 105 |
| Net interest margin | 3.1926% | 4,565 |
| Noninterest income to average assets | 8.2832% | 73 |
| Noninterest expense to average assets | 9.8281% | 75 |
| Loan and lease loss provision to assets | 0.0186% | 3,762 |
| Net operating income to assets | 1.2192% | 1,535 |
| Return on assets (ROA) | 0.2513% | 5,494 |
| Pretax return on assets | 0.4188% | 5,312 |
| Return on Equity (ROE) | 2.6946% | 5,331 |
| Retained earnings to average equity (ytd only) | 2.6946% | 4,186 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4896% | 753 |
| Assets per employee ($millions) | 1.3533% | 5,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4763% | 5,822 |
| Loan loss allowance to noncurrent loans | 191.3043% | 2,371 |
| Noncurrent assets plus other real estate owned to assets | 0.4129% | 3,849 |
| Noncurrent loans to loans | 0.2490% | 4,459 |
| Net loans and leases to total assets | 79.9313% | 923 |
| Net loans and leases to deposits | 118.3486% | 115 |
| Net loans and leases to core deposits | 120.2996% | 507 |
| Total domestic deposits to total assets | 67.5389% | 5,849 |
| Equity capital to assets | 8.8151% | 5,389 |
| Core capital (leverage) ratio | 9.1560% | 4,652 |
| Tier 1 risk-based capital ratio | 18.1865% | 1,879 |
| Total risk-based capital ratio | 19.1486% | 1,919 |
| Memoranda: | ||
| Average total assets | $21,489,330 | 5,959 |
| Average earning assets | $19,858,670 | 5,939 |
| Average equity | $2,004,000 | 5,982 |
| Average total loans | $17,780,670 | 5,706 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4828% | 1,558 |
| Cost of funding earning assets | 1.1102% | 90 |
| Net interest margin | 3.3726% | 3,968 |
| Noninterest income to average assets | 5.7113% | 98 |
| Noninterest expense to average assets | 8.8756% | 88 |
| Loan and lease loss provision to assets | 0.0193% | 3,438 |
| Net operating income to assets | -0.0579% | 5,820 |
| Return on assets (ROA) | -0.3473% | 5,937 |
| Pretax return on assets | -0.3666% | 5,932 |
| Return on Equity (ROE) | -3.6145% | 5,952 |
| Retained earnings to average equity (ytd only) | -3.6145% | 5,523 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.6565% | 279 |
| Assets per employee ($millions) | 1.3301% | 6,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4939% | 5,868 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4699% | 3,720 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 83.3091% | 427 |
| Net loans and leases to deposits | 116.0351% | 128 |
| Net loans and leases to core deposits | 117.9731% | 528 |
| Total domestic deposits to total assets | 71.7964% | 5,785 |
| Equity capital to assets | 9.3182% | 4,871 |
| Core capital (leverage) ratio | 9.5848% | 4,056 |
| Tier 1 risk-based capital ratio | 17.3856% | 2,157 |
| Total risk-based capital ratio | 18.1571% | 2,269 |
| Memoranda: | ||
| Average total assets | $20,731,000 | 6,029 |
| Average earning assets | $19,095,000 | 6,014 |
| Average equity | $1,992,000 | 6,044 |
| Average total loans | $17,432,500 | 5,773 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5096% | 1,563 |
| Cost of funding earning assets | 1.1620% | 66 |
| Net interest margin | 3.3475% | 4,122 |
| Noninterest income to average assets | 5.0400% | 121 |
| Noninterest expense to average assets | 6.7512% | 147 |
| Loan and lease loss provision to assets | 0.0690% | 2,913 |
| Net operating income to assets | 1.1490% | 1,734 |
| Return on assets (ROA) | 0.6263% | 4,243 |
| Pretax return on assets | 0.7940% | 4,212 |
| Return on Equity (ROE) | 6.5015% | 3,780 |
| Retained earnings to average equity (ytd only) | 6.5015% | 1,545 |
| Net charge-offs to loans | 0.0479% | 3,248 |
| Credit loss provision to net charge-offs | 175.0000% | 1,547 |
| Earnings coverage of net charge-offs (x) | 35.1250% | 1,295 |
| Efficiency ratio | 82.9697% | 1,276 |
| Assets per employee ($millions) | 1.2613% | 6,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5103% | 5,912 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4955% | 3,654 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 84.0444% | 388 |
| Net loans and leases to deposits | 112.9829% | 183 |
| Net loans and leases to core deposits | 114.9041% | 642 |
| Total domestic deposits to total assets | 74.3868% | 5,611 |
| Equity capital to assets | 9.9153% | 4,056 |
| Core capital (leverage) ratio | 9.7916% | 3,787 |
| Tier 1 risk-based capital ratio | 20.3646% | 1,410 |
| Total risk-based capital ratio | 21.3772% | 1,434 |
| Memoranda: | ||
| Average total assets | $20,277,800 | 6,093 |
| Average earning assets | $18,760,000 | 6,073 |
| Average equity | $1,953,400 | 6,105 |
| Average total loans | $16,705,200 | 5,842 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4663% | 1,708 |
| Cost of funding earning assets | 1.1432% | 78 |
| Net interest margin | 3.3231% | 4,246 |
| Noninterest income to average assets | 5.1685% | 125 |
| Noninterest expense to average assets | 6.4491% | 163 |
| Loan and lease loss provision to assets | 0.0723% | 2,730 |
| Net operating income to assets | 1.5433% | 860 |
| Return on assets (ROA) | 0.8341% | 3,342 |
| Pretax return on assets | 1.0114% | 3,571 |
| Return on Equity (ROE) | 8.7216% | 2,724 |
| Retained earnings to average equity (ytd only) | 8.7216% | 996 |
| Net charge-offs to loans | 0.0642% | 2,666 |
| Credit loss provision to net charge-offs | 137.5000% | 1,793 |
| Earnings coverage of net charge-offs (x) | 34.1134% | 1,376 |
| Efficiency ratio | 78.2470% | 1,913 |
| Assets per employee ($millions) | 1.2747% | 6,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4832% | 6,031 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5786% | 3,552 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 84.8198% | 322 |
| Net loans and leases to deposits | 117.4805% | 131 |
| Net loans and leases to core deposits | 119.5095% | 488 |
| Total domestic deposits to total assets | 72.1991% | 5,850 |
| Equity capital to assets | 9.8112% | 4,376 |
| Core capital (leverage) ratio | 9.7618% | 3,947 |
| Tier 1 risk-based capital ratio | 19.9127% | 1,574 |
| Total risk-based capital ratio | 20.8449% | 1,617 |
| Memoranda: | ||
| Average total assets | $20,302,000 | 6,174 |
| Average earning assets | $18,777,250 | 6,160 |
| Average equity | $1,941,500 | 6,194 |
| Average total loans | $16,619,500 | 5,920 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4177% | 1,794 |
| Cost of funding earning assets | 1.0991% | 97 |
| Net interest margin | 3.3186% | 4,218 |
| Noninterest income to average assets | 4.8148% | 135 |
| Noninterest expense to average assets | 5.8803% | 186 |
| Loan and lease loss provision to assets | 0.0789% | 2,534 |
| Net operating income to assets | 1.7365% | 587 |
| Return on assets (ROA) | 1.0360% | 2,316 |
| Pretax return on assets | 1.2234% | 2,684 |
| Return on Equity (ROE) | 10.9280% | 1,706 |
| Retained earnings to average equity (ytd only) | 10.9280% | 512 |
| Net charge-offs to loans | 0.0978% | 2,036 |
| Credit loss provision to net charge-offs | 100.0000% | 2,033 |
| Earnings coverage of net charge-offs (x) | 25.3750% | 1,526 |
| Efficiency ratio | 74.5932% | 2,597 |
| Assets per employee ($millions) | 1.4209% | 6,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4608% | 6,120 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2293% | 2,052 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 82.1001% | 544 |
| Net loans and leases to deposits | 119.4158% | 101 |
| Net loans and leases to core deposits | 119.4158% | 480 |
| Total domestic deposits to total assets | 68.7515% | 6,088 |
| Equity capital to assets | 9.2948% | 4,898 |
| Core capital (leverage) ratio | 9.5336% | 4,239 |
| Tier 1 risk-based capital ratio | 17.7185% | 2,150 |
| Total risk-based capital ratio | 18.4861% | 2,270 |
| Memoranda: | ||
| Average total assets | $20,271,000 | 6,253 |
| Average earning assets | $18,742,670 | 6,234 |
| Average equity | $1,921,670 | 6,266 |
| Average total loans | $16,365,000 | 5,988 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3928% | 1,794 |
| Cost of funding earning assets | 1.0709% | 121 |
| Net interest margin | 3.3220% | 4,125 |
| Noninterest income to average assets | 3.6456% | 178 |
| Noninterest expense to average assets | 5.4076% | 239 |
| Loan and lease loss provision to assets | 0.1620% | 1,244 |
| Net operating income to assets | 1.0329% | 2,104 |
| Return on assets (ROA) | 0.7089% | 3,881 |
| Pretax return on assets | 0.8304% | 4,126 |
| Return on Equity (ROE) | 7.3996% | 3,275 |
| Retained earnings to average equity (ytd only) | 7.3996% | 1,811 |
| Net charge-offs to loans | 0.2031% | 1,121 |
| Credit loss provision to net charge-offs | 100.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | 8.1250% | 2,108 |
| Efficiency ratio | 80.4217% | 1,845 |
| Assets per employee ($millions) | 1.4174% | 6,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5064% | 6,162 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3204% | 2,010 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 80.2046% | 666 |
| Net loans and leases to deposits | 105.8108% | 321 |
| Net loans and leases to core deposits | 105.8108% | 952 |
| Total domestic deposits to total assets | 75.8000% | 5,758 |
| Equity capital to assets | 9.6205% | 4,608 |
| Core capital (leverage) ratio | 10.1220% | 3,436 |
| Tier 1 risk-based capital ratio | 18.1128% | 2,103 |
| Total risk-based capital ratio | 18.8912% | 2,216 |
| Memoranda: | ||
| Average total assets | $19,750,000 | 6,326 |
| Average earning assets | $18,302,500 | 6,302 |
| Average equity | $1,892,000 | 6,333 |
| Average total loans | $15,758,000 | 6,060 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9593% | 3,877 |
| Cost of funding earning assets | 0.9873% | 248 |
| Net interest margin | 2.9720% | 5,500 |
| Noninterest income to average assets | 2.4211% | 249 |
| Noninterest expense to average assets | 4.5817% | 430 |
| Loan and lease loss provision to assets | 0.0569% | 3,411 |
| Net operating income to assets | 0.4643% | 4,950 |
| Return on assets (ROA) | 0.4833% | 4,966 |
| Pretax return on assets | 0.5686% | 5,036 |
| Return on Equity (ROE) | 5.6273% | 4,345 |
| Retained earnings to average equity (ytd only) | 5.6273% | 2,180 |
| Net charge-offs to loans | 0.2973% | 1,482 |
| Credit loss provision to net charge-offs | 26.0870% | 3,904 |
| Earnings coverage of net charge-offs (x) | 2.7826% | 4,062 |
| Efficiency ratio | 88.3105% | 964 |
| Assets per employee ($millions) | 1.5121% | 6,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5219% | 6,230 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3329% | 2,108 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 78.5420% | 938 |
| Net loans and leases to deposits | 103.8265% | 440 |
| Net loans and leases to core deposits | 103.8265% | 1,135 |
| Total domestic deposits to total assets | 75.6474% | 5,795 |
| Equity capital to assets | 9.5386% | 4,674 |
| Core capital (leverage) ratio | 13.3337% | 1,021 |
| Tier 1 risk-based capital ratio | 23.9821% | 961 |
| Total risk-based capital ratio | 24.7232% | 992 |
| Memoranda: | ||
| Average total assets | $21,105,800 | 6,393 |
| Average earning assets | $19,649,800 | 6,374 |
| Average equity | $1,812,600 | 6,425 |
| Average total loans | $15,474,200 | 6,148 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8523% | 4,364 |
| Cost of funding earning assets | 0.9531% | 303 |
| Net interest margin | 2.8992% | 5,702 |
| Noninterest income to average assets | 2.3973% | 256 |
| Noninterest expense to average assets | 4.5400% | 443 |
| Loan and lease loss provision to assets | 0.0311% | 3,785 |
| Net operating income to assets | 0.4472% | 5,082 |
| Return on assets (ROA) | 0.4347% | 5,205 |
| Pretax return on assets | 0.5155% | 5,282 |
| Return on Equity (ROE) | 5.1937% | 4,627 |
| Retained earnings to average equity (ytd only) | 5.1937% | 2,959 |
| Net charge-offs to loans | 0.3966% | 1,002 |
| Credit loss provision to net charge-offs | 10.8696% | 3,693 |
| Earnings coverage of net charge-offs (x) | 1.9566% | 4,033 |
| Efficiency ratio | 89.0378% | 924 |
| Assets per employee ($millions) | 1.9966% | 6,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4674% | 6,370 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3122% | 2,359 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 78.9292% | 842 |
| Net loans and leases to deposits | 105.9500% | 328 |
| Net loans and leases to core deposits | 105.9500% | 962 |
| Total domestic deposits to total assets | 74.4966% | 5,968 |
| Equity capital to assets | 9.2307% | 5,113 |
| Core capital (leverage) ratio | 12.9921% | 1,179 |
| Tier 1 risk-based capital ratio | 23.2105% | 1,092 |
| Total risk-based capital ratio | 23.8726% | 1,152 |
| Memoranda: | ||
| Average total assets | $21,468,000 | 6,467 |
| Average earning assets | $20,005,000 | 6,445 |
| Average equity | $1,797,000 | 6,503 |
| Average total loans | $15,462,750 | 6,216 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6894% | 4,891 |
| Cost of funding earning assets | 0.9175% | 391 |
| Net interest margin | 2.7719% | 5,959 |
| Noninterest income to average assets | 2.2213% | 294 |
| Noninterest expense to average assets | 4.3881% | 510 |
| Loan and lease loss provision to assets | 0.0455% | 3,406 |
| Net operating income to assets | 0.3186% | 5,502 |
| Return on assets (ROA) | 0.2913% | 5,664 |
| Pretax return on assets | 0.3459% | 5,684 |
| Return on Equity (ROE) | 3.5921% | 5,305 |
| Retained earnings to average equity (ytd only) | 3.5921% | 3,904 |
| Net charge-offs to loans | 0.5998% | 670 |
| Credit loss provision to net charge-offs | 10.8696% | 3,292 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 3,916 |
| Efficiency ratio | 91.2879% | 818 |
| Assets per employee ($millions) | 2.0261% | 6,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4755% | 6,442 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.6646% | 1,952 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 69.5024% | 2,156 |
| Net loans and leases to deposits | 90.3998% | 1,334 |
| Net loans and leases to core deposits | 90.3998% | 2,091 |
| Total domestic deposits to total assets | 76.8834% | 5,808 |
| Equity capital to assets | 8.0944% | 6,099 |
| Core capital (leverage) ratio | 11.4731% | 2,027 |
| Tier 1 risk-based capital ratio | 23.2328% | 1,076 |
| Total risk-based capital ratio | 23.9051% | 1,142 |
| Memoranda: | ||
| Average total assets | $21,968,670 | 6,524 |
| Average earning assets | $20,491,000 | 6,502 |
| Average equity | $1,781,670 | 6,566 |
| Average total loans | $15,339,330 | 6,275 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6198% | 5,106 |
| Cost of funding earning assets | 0.9001% | 452 |
| Net interest margin | 2.7198% | 6,086 |
| Noninterest income to average assets | 1.3389% | 642 |
| Noninterest expense to average assets | 4.3834% | 509 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.5135% | 6,476 |
| Return on assets (ROA) | -0.0550% | 6,260 |
| Pretax return on assets | -0.0367% | 6,241 |
| Return on Equity (ROE) | -0.6778% | 6,271 |
| Retained earnings to average equity (ytd only) | -0.6778% | 5,674 |
| Net charge-offs to loans | 0.0525% | 2,651 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -13.5000% | 3,611 |
| Efficiency ratio | 112.7358% | 240 |
| Assets per employee ($millions) | 1.8091% | 6,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7400% | 6,209 |
| Loan loss allowance to noncurrent loans | 62.0879% | 4,764 |
| Noncurrent assets plus other real estate owned to assets | 1.9116% | 1,798 |
| Noncurrent loans to loans | 1.1918% | 3,055 |
| Net loans and leases to total assets | 69.8236% | 1,924 |
| Net loans and leases to deposits | 90.6850% | 1,069 |
| Net loans and leases to core deposits | 90.6850% | 1,854 |
| Total domestic deposits to total assets | 76.9957% | 5,964 |
| Equity capital to assets | 8.1487% | 5,944 |
| Core capital (leverage) ratio | 11.4883% | 1,972 |
| Tier 1 risk-based capital ratio | 23.0456% | 1,139 |
| Total risk-based capital ratio | 24.1083% | 1,145 |
| Memoranda: | ||
| Average total assets | $21,809,500 | 6,599 |
| Average earning assets | $20,443,000 | 6,572 |
| Average equity | $1,770,500 | 6,632 |
| Average total loans | $15,227,000 | 6,343 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6252% | 5,344 |
| Cost of funding earning assets | 1.0608% | 340 |
| Net interest margin | 2.5644% | 6,307 |
| Noninterest income to average assets | 1.9436% | 411 |
| Noninterest expense to average assets | 4.1733% | 715 |
| Loan and lease loss provision to assets | 0.0999% | 3,135 |
| Net operating income to assets | 0.0500% | 6,129 |
| Return on assets (ROA) | 0.0863% | 6,124 |
| Pretax return on assets | 0.0999% | 6,089 |
| Return on Equity (ROE) | 1.0702% | 6,068 |
| Retained earnings to average equity (ytd only) | 1.0702% | 5,354 |
| Net charge-offs to loans | 0.1473% | 3,331 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 1.6364% | 4,512 |
| Efficiency ratio | 96.2304% | 630 |
| Assets per employee ($millions) | 1.9918% | 6,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7574% | 6,252 |
| Loan loss allowance to noncurrent loans | 47.7178% | 5,346 |
| Noncurrent assets plus other real estate owned to assets | 1.9032% | 1,903 |
| Noncurrent loans to loans | 1.5873% | 2,520 |
| Net loans and leases to total assets | 68.7723% | 2,214 |
| Net loans and leases to deposits | 85.8233% | 1,710 |
| Net loans and leases to core deposits | 85.8233% | 2,466 |
| Total domestic deposits to total assets | 80.1324% | 5,419 |
| Equity capital to assets | 8.0876% | 5,948 |
| Core capital (leverage) ratio | 11.5107% | 1,954 |
| Tier 1 risk-based capital ratio | 24.5953% | 896 |
| Total risk-based capital ratio | 25.7168% | 892 |
| Memoranda: | ||
| Average total assets | $22,021,200 | 6,678 |
| Average earning assets | $20,550,800 | 6,646 |
| Average equity | $1,775,400 | 6,723 |
| Average total loans | $14,931,000 | 6,421 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6286% | 5,363 |
| Cost of funding earning assets | 1.0970% | 316 |
| Net interest margin | 2.5316% | 6,401 |
| Noninterest income to average assets | 2.1346% | 379 |
| Noninterest expense to average assets | 4.1785% | 700 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2782% | 5,680 |
| Return on assets (ROA) | 0.1814% | 6,027 |
| Pretax return on assets | 0.2177% | 6,013 |
| Return on Equity (ROE) | 2.2519% | 5,862 |
| Retained earnings to average equity (ytd only) | 2.2519% | 4,969 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0013% | 789 |
| Assets per employee ($millions) | 2.0110% | 6,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7634% | 6,346 |
| Loan loss allowance to noncurrent loans | 47.7178% | 5,320 |
| Noncurrent assets plus other real estate owned to assets | 1.9845% | 2,037 |
| Noncurrent loans to loans | 1.5998% | 2,775 |
| Net loans and leases to total assets | 67.5783% | 2,354 |
| Net loans and leases to deposits | 84.4529% | 1,824 |
| Net loans and leases to core deposits | 84.4529% | 2,604 |
| Total domestic deposits to total assets | 80.0190% | 5,504 |
| Equity capital to assets | 8.0647% | 6,107 |
| Core capital (leverage) ratio | 11.5682% | 1,986 |
| Tier 1 risk-based capital ratio | 23.2615% | 1,104 |
| Total risk-based capital ratio | 24.3069% | 1,121 |
| Memoranda: | ||
| Average total assets | $22,049,000 | 6,752 |
| Average earning assets | $20,539,750 | 6,718 |
| Average equity | $1,776,250 | 6,802 |
| Average total loans | $14,868,000 | 6,488 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6680% | 5,244 |
| Cost of funding earning assets | 1.1346% | 283 |
| Net interest margin | 2.5334% | 6,411 |
| Noninterest income to average assets | 2.4608% | 327 |
| Noninterest expense to average assets | 3.9410% | 930 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7991% | 3,304 |
| Return on assets (ROA) | 0.4177% | 5,305 |
| Pretax return on assets | 0.4904% | 5,410 |
| Return on Equity (ROE) | 5.1870% | 4,628 |
| Retained earnings to average equity (ytd only) | 5.1870% | 2,935 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8868% | 1,900 |
| Assets per employee ($millions) | 2.6984% | 6,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7906% | 6,372 |
| Loan loss allowance to noncurrent loans | 47.7178% | 5,303 |
| Noncurrent assets plus other real estate owned to assets | 2.3069% | 1,876 |
| Noncurrent loans to loans | 1.6568% | 2,829 |
| Net loans and leases to total assets | 66.8504% | 2,440 |
| Net loans and leases to deposits | 81.9664% | 2,064 |
| Net loans and leases to core deposits | 83.1902% | 2,670 |
| Total domestic deposits to total assets | 81.5583% | 5,197 |
| Equity capital to assets | 8.3337% | 5,939 |
| Core capital (leverage) ratio | 11.3541% | 2,053 |
| Tier 1 risk-based capital ratio | 23.4299% | 1,070 |
| Total risk-based capital ratio | 24.5292% | 1,076 |
| Memoranda: | ||
| Average total assets | $22,025,000 | 6,801 |
| Average earning assets | $20,447,000 | 6,773 |
| Average equity | $1,773,670 | 6,849 |
| Average total loans | $14,802,670 | 6,529 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5193% | 5,660 |
| Cost of funding earning assets | 1.0111% | 586 |
| Net interest margin | 2.5082% | 6,500 |
| Noninterest income to average assets | 2.2658% | 362 |
| Noninterest expense to average assets | 4.1180% | 777 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4136% | 5,079 |
| Return on assets (ROA) | 0.2518% | 5,839 |
| Pretax return on assets | 0.3057% | 5,838 |
| Return on Equity (ROE) | 3.1800% | 5,503 |
| Retained earnings to average equity (ytd only) | 3.1800% | 4,352 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8039% | 1,163 |
| Assets per employee ($millions) | 2.9104% | 6,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7651% | 6,512 |
| Loan loss allowance to noncurrent loans | 47.5207% | 5,264 |
| Noncurrent assets plus other real estate owned to assets | 2.1561% | 2,174 |
| Noncurrent loans to loans | 1.6101% | 3,125 |
| Net loans and leases to total assets | 64.0596% | 2,701 |
| Net loans and leases to deposits | 78.7736% | 2,245 |
| Net loans and leases to core deposits | 79.8619% | 2,826 |
| Total domestic deposits to total assets | 81.3211% | 5,413 |
| Equity capital to assets | 7.5935% | 6,564 |
| Core capital (leverage) ratio | 10.2650% | 3,055 |
| Tier 1 risk-based capital ratio | 23.3125% | 1,110 |
| Total risk-based capital ratio | 24.4343% | 1,110 |
| Memoranda: | ||
| Average total assets | $22,244,000 | 6,871 |
| Average earning assets | $20,572,500 | 6,839 |
| Average equity | $1,761,000 | 6,919 |
| Average total loans | $14,931,000 | 6,585 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9548% | 5,426 |
| Cost of funding earning assets | 1.2557% | 447 |
| Net interest margin | 2.6991% | 6,522 |
| Noninterest income to average assets | 2.7191% | 284 |
| Noninterest expense to average assets | 4.2669% | 707 |
| Loan and lease loss provision to assets | 0.0046% | 5,868 |
| Net operating income to assets | 0.7948% | 3,313 |
| Return on assets (ROA) | 0.3254% | 5,592 |
| Pretax return on assets | 0.3858% | 5,608 |
| Return on Equity (ROE) | 4.0869% | 5,104 |
| Retained earnings to average equity (ytd only) | 4.0869% | 3,338 |
| Net charge-offs to loans | 0.0068% | 5,860 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 185.0000% | 224 |
| Efficiency ratio | 83.2276% | 1,717 |
| Assets per employee ($millions) | 2.1205% | 6,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7754% | 6,532 |
| Loan loss allowance to noncurrent loans | 47.7178% | 5,247 |
| Noncurrent assets plus other real estate owned to assets | 2.3627% | 2,079 |
| Noncurrent loans to loans | 1.6249% | 3,189 |
| Net loans and leases to total assets | 69.4034% | 1,958 |
| Net loans and leases to deposits | 88.0361% | 1,271 |
| Net loans and leases to core deposits | 89.4053% | 1,910 |
| Total domestic deposits to total assets | 78.8352% | 5,923 |
| Equity capital to assets | 8.2716% | 6,222 |
| Core capital (leverage) ratio | 11.1908% | 2,095 |
| Tier 1 risk-based capital ratio | 24.3634% | 930 |
| Total risk-based capital ratio | 25.5441% | 914 |
| Memoranda: | ||
| Average total assets | $21,514,400 | 6,938 |
| Average earning assets | $19,191,800 | 6,921 |
| Average equity | $1,712,800 | 6,998 |
| Average total loans | $14,696,400 | 6,678 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9811% | 5,567 |
| Cost of funding earning assets | 1.3062% | 424 |
| Net interest margin | 2.6749% | 6,676 |
| Noninterest income to average assets | 2.2107% | 366 |
| Noninterest expense to average assets | 3.9768% | 963 |
| Loan and lease loss provision to assets | 0.0062% | 5,733 |
| Net operating income to assets | 0.5681% | 4,530 |
| Return on assets (ROA) | 0.2099% | 6,062 |
| Pretax return on assets | 0.2470% | 6,051 |
| Return on Equity (ROE) | 2.6626% | 5,813 |
| Retained earnings to average equity (ytd only) | 2.6626% | 4,964 |
| Net charge-offs to loans | 0.0091% | 5,588 |
| Credit loss provision to net charge-offs | 100.0000% | 2,954 |
| Earnings coverage of net charge-offs (x) | 99.2481% | 429 |
| Efficiency ratio | 86.6756% | 1,327 |
| Assets per employee ($millions) | 2.1533% | 6,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7472% | 6,690 |
| Loan loss allowance to noncurrent loans | 44.5736% | 5,422 |
| Noncurrent assets plus other real estate owned to assets | 2.4056% | 2,211 |
| Noncurrent loans to loans | 1.6763% | 3,275 |
| Net loans and leases to total assets | 70.9423% | 1,730 |
| Net loans and leases to deposits | 91.1401% | 1,037 |
| Net loans and leases to core deposits | 92.5482% | 1,727 |
| Total domestic deposits to total assets | 77.8387% | 6,108 |
| Equity capital to assets | 7.9785% | 6,606 |
| Core capital (leverage) ratio | 10.5838% | 2,814 |
| Tier 1 risk-based capital ratio | 23.4803% | 1,094 |
| Total risk-based capital ratio | 24.8197% | 1,061 |
| Memoranda: | ||
| Average total assets | $21,591,750 | 7,029 |
| Average earning assets | $19,190,250 | 7,011 |
| Average equity | $1,702,500 | 7,093 |
| Average total loans | $14,662,500 | 6,764 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0629% | 5,446 |
| Cost of funding earning assets | 1.3473% | 430 |
| Net interest margin | 2.7156% | 6,694 |
| Noninterest income to average assets | 1.4992% | 652 |
| Noninterest expense to average assets | 3.5259% | 1,731 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3239% | 5,524 |
| Return on assets (ROA) | 0.1851% | 6,138 |
| Pretax return on assets | 0.2221% | 6,114 |
| Return on Equity (ROE) | 2.3566% | 5,932 |
| Retained earnings to average equity (ytd only) | 2.3566% | 5,013 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7143% | 1,020 |
| Assets per employee ($millions) | 4.4360% | 3,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7688% | 6,732 |
| Loan loss allowance to noncurrent loans | 72.7848% | 4,084 |
| Noncurrent assets plus other real estate owned to assets | 1.9116% | 2,891 |
| Noncurrent loans to loans | 1.0562% | 4,404 |
| Net loans and leases to total assets | 66.9252% | 2,481 |
| Net loans and leases to deposits | 85.5315% | 1,656 |
| Net loans and leases to core deposits | 86.8019% | 2,326 |
| Total domestic deposits to total assets | 78.2462% | 6,106 |
| Equity capital to assets | 7.6826% | 6,721 |
| Core capital (leverage) ratio | 10.0586% | 3,340 |
| Tier 1 risk-based capital ratio | 24.4145% | 966 |
| Total risk-based capital ratio | 25.7387% | 940 |
| Memoranda: | ||
| Average total assets | $21,611,330 | 7,088 |
| Average earning assets | $19,001,330 | 7,071 |
| Average equity | $1,697,330 | 7,145 |
| Average total loans | $14,419,670 | 6,828 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4149% | 4,266 |
| Cost of funding earning assets | 1.4429% | 361 |
| Net interest margin | 2.9720% | 6,355 |
| Noninterest income to average assets | 0.7690% | 2,304 |
| Noninterest expense to average assets | 3.3010% | 2,284 |
| Loan and lease loss provision to assets | 0.0188% | 5,103 |
| Net operating income to assets | 0.0000% | 6,411 |
| Return on assets (ROA) | 0.1500% | 6,248 |
| Pretax return on assets | 0.1876% | 6,222 |
| Return on Equity (ROE) | 1.8890% | 6,105 |
| Retained earnings to average equity (ytd only) | 1.8890% | 5,302 |
| Net charge-offs to loans | 0.0283% | 4,293 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 2,988 |
| Efficiency ratio | 98.3240% | 620 |
| Assets per employee ($millions) | 4.2922% | 3,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8103% | 6,721 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3047% | 3,948 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 65.5981% | 2,546 |
| Net loans and leases to deposits | 80.9685% | 2,064 |
| Net loans and leases to core deposits | 80.9685% | 2,951 |
| Total domestic deposits to total assets | 81.0167% | 5,602 |
| Equity capital to assets | 7.8841% | 6,592 |
| Core capital (leverage) ratio | 10.2465% | 3,055 |
| Tier 1 risk-based capital ratio | 22.6514% | 1,184 |
| Total risk-based capital ratio | 23.8360% | 1,169 |
| Memoranda: | ||
| Average total assets | $21,327,000 | 7,149 |
| Average earning assets | $18,573,500 | 7,139 |
| Average equity | $1,694,000 | 7,204 |
| Average total loans | $14,150,000 | 6,899 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5280% | 4,962 |
| Cost of funding earning assets | 1.6046% | 471 |
| Net interest margin | 2.9234% | 6,652 |
| Noninterest income to average assets | 0.1553% | 6,375 |
| Noninterest expense to average assets | 2.4635% | 5,587 |
| Loan and lease loss provision to assets | 0.1501% | 4,740 |
| Net operating income to assets | 0.1190% | 5,824 |
| Return on assets (ROA) | 0.1139% | 5,960 |
| Pretax return on assets | 0.1294% | 5,924 |
| Return on Equity (ROE) | 1.3125% | 5,890 |
| Retained earnings to average equity (ytd only) | 1.3125% | 5,238 |
| Net charge-offs to loans | 0.1796% | 4,710 |
| Credit loss provision to net charge-offs | 111.5385% | 2,981 |
| Earnings coverage of net charge-offs (x) | 2.1154% | 4,195 |
| Efficiency ratio | 89.6422% | 1,220 |
| Assets per employee ($millions) | 4.2386% | 3,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8081% | 6,718 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4199% | 5,922 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 66.0265% | 2,779 |
| Net loans and leases to deposits | 81.9934% | 2,202 |
| Net loans and leases to core deposits | 81.9934% | 3,180 |
| Total domestic deposits to total assets | 80.5266% | 5,585 |
| Equity capital to assets | 8.0026% | 6,570 |
| Core capital (leverage) ratio | 8.3390% | 5,795 |
| Tier 1 risk-based capital ratio | 18.9880% | 1,894 |
| Total risk-based capital ratio | 20.2170% | 1,865 |
| Memoranda: | ||
| Average total assets | $19,322,000 | 7,216 |
| Average earning assets | $17,137,800 | 7,203 |
| Average equity | $1,676,200 | 7,258 |
| Average total loans | $14,473,400 | 6,928 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5984% | 4,868 |
| Cost of funding earning assets | 1.5854% | 620 |
| Net interest margin | 3.0130% | 6,561 |
| Noninterest income to average assets | -0.1556% | 7,247 |
| Noninterest expense to average assets | 2.2276% | 6,216 |
| Loan and lease loss provision to assets | 0.1839% | 4,196 |
| Net operating income to assets | 0.1131% | 5,933 |
| Return on assets (ROA) | 0.1131% | 6,049 |
| Pretax return on assets | 0.1343% | 6,039 |
| Return on Equity (ROE) | 1.2763% | 6,002 |
| Retained earnings to average equity (ytd only) | 1.2763% | 5,495 |
| Net charge-offs to loans | 0.2380% | 3,931 |
| Credit loss provision to net charge-offs | 100.0000% | 3,366 |
| Earnings coverage of net charge-offs (x) | 1.7306% | 4,356 |
| Efficiency ratio | 87.5000% | 1,385 |
| Assets per employee ($millions) | 3.9910% | 3,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7586% | 6,880 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4460% | 5,976 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 73.4302% | 1,423 |
| Net loans and leases to deposits | 89.7690% | 1,244 |
| Net loans and leases to core deposits | 91.1653% | 2,096 |
| Total domestic deposits to total assets | 81.7990% | 5,159 |
| Equity capital to assets | 8.4089% | 6,390 |
| Core capital (leverage) ratio | 8.4089% | 5,838 |
| Tier 1 risk-based capital ratio | 18.2968% | 2,152 |
| Total risk-based capital ratio | 19.5180% | 2,128 |
| Memoranda: | ||
| Average total assets | $18,854,250 | 7,301 |
| Average earning assets | $16,904,000 | 7,283 |
| Average equity | $1,671,250 | 7,332 |
| Average total loans | $14,565,000 | 6,991 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6154% | 4,904 |
| Cost of funding earning assets | 1.6027% | 686 |
| Net interest margin | 3.0127% | 6,583 |
| Noninterest income to average assets | -0.1839% | 7,333 |
| Noninterest expense to average assets | 2.1961% | 6,394 |
| Loan and lease loss provision to assets | 0.2813% | 3,129 |
| Net operating income to assets | 0.0433% | 6,137 |
| Return on assets (ROA) | 0.0433% | 6,215 |
| Pretax return on assets | 0.0433% | 6,201 |
| Return on Equity (ROE) | 0.4793% | 6,196 |
| Retained earnings to average equity (ytd only) | 0.4793% | 5,657 |
| Net charge-offs to loans | 0.3587% | 3,122 |
| Credit loss provision to net charge-offs | 100.0000% | 3,113 |
| Earnings coverage of net charge-offs (x) | 1.1538% | 4,412 |
| Efficiency ratio | 87.1245% | 1,499 |
| Assets per employee ($millions) | 4.8420% | 2,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7503% | 6,951 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4457% | 4,044 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 76.4922% | 1,003 |
| Net loans and leases to deposits | 94.9436% | 808 |
| Net loans and leases to core deposits | 94.9436% | 1,805 |
| Total domestic deposits to total assets | 80.5659% | 5,668 |
| Equity capital to assets | 8.6070% | 6,051 |
| Core capital (leverage) ratio | 8.6070% | 5,391 |
| Tier 1 risk-based capital ratio | 17.9983% | 2,176 |
| Total risk-based capital ratio | 19.2075% | 2,139 |
| Memoranda: | ||
| Average total assets | $18,487,330 | 7,381 |
| Average earning assets | $16,596,670 | 7,361 |
| Average equity | $1,669,000 | 7,401 |
| Average total loans | $14,498,330 | 7,063 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4962% | 5,348 |
| Cost of funding earning assets | 1.5970% | 827 |
| Net interest margin | 2.8992% | 6,763 |
| Noninterest income to average assets | -0.1330% | 7,398 |
| Noninterest expense to average assets | 2.1278% | 6,573 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3103% | 5,356 |
| Return on assets (ROA) | 0.3103% | 5,426 |
| Pretax return on assets | 0.3546% | 5,485 |
| Return on Equity (ROE) | 3.3533% | 5,213 |
| Retained earnings to average equity (ytd only) | 3.3533% | 4,171 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7143% | 1,740 |
| Assets per employee ($millions) | 4.5555% | 2,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7748% | 6,966 |
| Loan loss allowance to noncurrent loans | 41.7293% | 5,522 |
| Noncurrent assets plus other real estate owned to assets | 2.5519% | 2,677 |
| Noncurrent loans to loans | 1.8568% | 3,749 |
| Net loans and leases to total assets | 78.0101% | 724 |
| Net loans and leases to deposits | 95.9112% | 695 |
| Net loans and leases to core deposits | 95.9112% | 1,681 |
| Total domestic deposits to total assets | 81.3357% | 5,554 |
| Equity capital to assets | 9.2032% | 4,867 |
| Core capital (leverage) ratio | 9.2032% | 4,284 |
| Tier 1 risk-based capital ratio | 18.3159% | 2,011 |
| Total risk-based capital ratio | 19.5282% | 1,982 |
| Memoranda: | ||
| Average total assets | $18,047,000 | 7,442 |
| Average earning assets | $16,280,500 | 7,428 |
| Average equity | $1,670,000 | 7,454 |
| Average total loans | $14,284,000 | 7,128 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5552% | 6,235 |
| Cost of funding earning assets | 1.8565% | 977 |
| Net interest margin | 2.6987% | 7,121 |
| Noninterest income to average assets | 0.1262% | 6,766 |
| Noninterest expense to average assets | 2.5480% | 5,620 |
| Loan and lease loss provision to assets | 0.2885% | 4,492 |
| Net operating income to assets | -0.1803% | 6,092 |
| Return on assets (ROA) | -0.1803% | 6,148 |
| Pretax return on assets | -0.1683% | 6,059 |
| Return on Equity (ROE) | -1.7756% | 6,146 |
| Retained earnings to average equity (ytd only) | -1.7756% | 5,929 |
| Net charge-offs to loans | 0.2596% | 4,736 |
| Credit loss provision to net charge-offs | 141.1765% | 2,667 |
| Earnings coverage of net charge-offs (x) | 0.5882% | 5,517 |
| Efficiency ratio | 95.4955% | 987 |
| Assets per employee ($millions) | 4.4680% | 2,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8426% | 6,873 |
| Loan loss allowance to noncurrent loans | 65.2174% | 4,136 |
| Noncurrent assets plus other real estate owned to assets | 2.1430% | 3,164 |
| Noncurrent loans to loans | 1.2920% | 4,554 |
| Net loans and leases to total assets | 79.0175% | 795 |
| Net loans and leases to deposits | 105.0431% | 357 |
| Net loans and leases to core deposits | 105.0431% | 1,252 |
| Total domestic deposits to total assets | 75.2238% | 6,740 |
| Equity capital to assets | 9.3051% | 4,681 |
| Core capital (leverage) ratio | 9.3051% | 4,005 |
| Tier 1 risk-based capital ratio | 17.9299% | 2,020 |
| Total risk-based capital ratio | 19.1806% | 1,984 |
| Memoranda: | ||
| Average total assets | $16,640,200 | 7,542 |
| Average earning assets | $15,674,400 | 7,505 |
| Average equity | $1,689,600 | 7,555 |
| Average total loans | $13,098,800 | 7,249 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5411% | 6,490 |
| Cost of funding earning assets | 1.9216% | 956 |
| Net interest margin | 2.6195% | 7,301 |
| Noninterest income to average assets | 0.1388% | 6,860 |
| Noninterest expense to average assets | 2.5715% | 5,425 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.0326% | 5,920 |
| Return on assets (ROA) | 0.0326% | 6,054 |
| Pretax return on assets | 0.0490% | 6,005 |
| Return on Equity (ROE) | 0.3142% | 6,051 |
| Retained earnings to average equity (ytd only) | 0.3142% | 5,662 |
| Net charge-offs to loans | 0.3538% | 3,889 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 0.1765% | 5,839 |
| Efficiency ratio | 98.1308% | 813 |
| Assets per employee ($millions) | 4.2513% | 3,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5254% | 7,432 |
| Loan loss allowance to noncurrent loans | 40.6780% | 5,577 |
| Noncurrent assets plus other real estate owned to assets | 2.3464% | 3,025 |
| Noncurrent loans to loans | 1.2916% | 4,700 |
| Net loans and leases to total assets | 80.1647% | 721 |
| Net loans and leases to deposits | 100.9853% | 584 |
| Net loans and leases to core deposits | 100.9853% | 1,748 |
| Total domestic deposits to total assets | 79.3825% | 5,902 |
| Equity capital to assets | 9.9735% | 4,190 |
| Core capital (leverage) ratio | 9.9735% | 3,284 |
| Tier 1 risk-based capital ratio | 17.5406% | 2,162 |
| Total risk-based capital ratio | 18.2852% | 2,292 |
| Memoranda: | ||
| Average total assets | $16,332,250 | 7,639 |
| Average earning assets | $15,473,000 | 7,605 |
| Average equity | $1,696,250 | 7,652 |
| Average total loans | $12,813,000 | 7,358 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5380% | 6,618 |
| Cost of funding earning assets | 1.9486% | 1,050 |
| Net interest margin | 2.5894% | 7,358 |
| Noninterest income to average assets | 0.1614% | 6,737 |
| Noninterest expense to average assets | 2.5453% | 5,540 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.0497% | 5,991 |
| Return on assets (ROA) | 0.0497% | 6,094 |
| Pretax return on assets | 0.0745% | 6,026 |
| Return on Equity (ROE) | 0.4716% | 6,091 |
| Retained earnings to average equity (ytd only) | 0.4716% | 5,573 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.1564% | 910 |
| Assets per employee ($millions) | 4.1875% | 3,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7583% | 7,126 |
| Loan loss allowance to noncurrent loans | 26.0417% | 6,613 |
| Noncurrent assets plus other real estate owned to assets | 2.2925% | 3,139 |
| Noncurrent loans to loans | 2.9117% | 2,745 |
| Net loans and leases to total assets | 78.1373% | 1,087 |
| Net loans and leases to deposits | 95.8898% | 1,058 |
| Net loans and leases to core deposits | 97.7081% | 2,263 |
| Total domestic deposits to total assets | 81.4866% | 5,202 |
| Equity capital to assets | 10.1433% | 3,842 |
| Core capital (leverage) ratio | 10.1433% | 3,003 |
| Tier 1 risk-based capital ratio | 19.8296% | 1,541 |
| Total risk-based capital ratio | 20.9967% | 1,529 |
| Memoranda: | ||
| Average total assets | $16,108,000 | 7,709 |
| Average earning assets | $15,293,000 | 7,678 |
| Average equity | $1,696,330 | 7,718 |
| Average total loans | $12,516,000 | 7,430 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5979% | 6,570 |
| Cost of funding earning assets | 2.0049% | 1,067 |
| Net interest margin | 2.5930% | 7,396 |
| Noninterest income to average assets | 0.1013% | 7,201 |
| Noninterest expense to average assets | 2.5337% | 5,602 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.0000% | 6,281 |
| Return on assets (ROA) | 0.0000% | 6,392 |
| Pretax return on assets | 0.0253% | 6,307 |
| Return on Equity (ROE) | 0.0000% | 6,399 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,816 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.0099% | 880 |
| Assets per employee ($millions) | 3.9790% | 3,921 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8278% | 7,060 |
| Loan loss allowance to noncurrent loans | 24.4499% | 6,778 |
| Noncurrent assets plus other real estate owned to assets | 3.2420% | 2,212 |
| Noncurrent loans to loans | 3.3858% | 2,363 |
| Net loans and leases to total assets | 75.2702% | 1,687 |
| Net loans and leases to deposits | 86.7864% | 2,455 |
| Net loans and leases to core deposits | 88.4068% | 3,584 |
| Total domestic deposits to total assets | 86.7303% | 2,777 |
| Equity capital to assets | 10.6497% | 3,090 |
| Core capital (leverage) ratio | 10.6497% | 2,501 |
| Tier 1 risk-based capital ratio | 18.2553% | 1,884 |
| Total risk-based capital ratio | 19.3323% | 1,896 |
| Memoranda: | ||
| Average total assets | $15,787,000 | 7,817 |
| Average earning assets | $14,963,500 | 7,784 |
| Average equity | $1,695,000 | 7,804 |
| Average total loans | $12,180,000 | 7,536 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6508% | 7,213 |
| Cost of funding earning assets | 2.5287% | 953 |
| Net interest margin | 2.1221% | 7,689 |
| Noninterest income to average assets | 0.1183% | 7,161 |
| Noninterest expense to average assets | 2.8396% | 4,791 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | -0.5784% | 6,247 |
| Return on assets (ROA) | -0.5784% | 6,247 |
| Pretax return on assets | -0.6968% | 6,184 |
| Return on Equity (ROE) | -5.0407% | 6,215 |
| Retained earnings to average equity (ytd only) | -5.0407% | 6,025 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.5153% | 451 |
| Assets per employee ($millions) | 3.1316% | 5,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8143% | 7,086 |
| Loan loss allowance to noncurrent loans | 18.9753% | 7,106 |
| Noncurrent assets plus other real estate owned to assets | 3.3657% | 2,027 |
| Noncurrent loans to loans | 4.2915% | 1,688 |
| Net loans and leases to total assets | 77.7877% | 1,433 |
| Net loans and leases to deposits | 89.9557% | 2,223 |
| Net loans and leases to core deposits | 118.5055% | 2,077 |
| Total domestic deposits to total assets | 86.4734% | 2,777 |
| Equity capital to assets | 10.8251% | 2,844 |
| Core capital (leverage) ratio | 10.8251% | 2,331 |
| Tier 1 risk-based capital ratio | 17.8609% | 1,925 |
| Total risk-based capital ratio | 18.9146% | 1,942 |
| Memoranda: | ||
| Average total assets | $15,213,200 | 7,890 |
| Average earning assets | $14,513,600 | 7,859 |
| Average equity | $1,745,800 | 7,885 |
| Average total loans | $12,131,400 | 7,596 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5775% | 7,441 |
| Cost of funding earning assets | 2.5800% | 1,074 |
| Net interest margin | 1.9974% | 7,811 |
| Noninterest income to average assets | 0.1236% | 7,271 |
| Noninterest expense to average assets | 2.6309% | 5,597 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | -0.4944% | 6,418 |
| Return on assets (ROA) | -0.4944% | 6,422 |
| Pretax return on assets | -0.6003% | 6,388 |
| Return on Equity (ROE) | -4.2457% | 6,365 |
| Retained earnings to average equity (ytd only) | -4.2457% | 6,144 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 129.5652% | 482 |
| Assets per employee ($millions) | 3.1710% | 5,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8304% | 7,026 |
| Loan loss allowance to noncurrent loans | 15.3374% | 7,318 |
| Noncurrent assets plus other real estate owned to assets | 4.1123% | 1,537 |
| Noncurrent loans to loans | 5.4139% | 1,161 |
| Net loans and leases to total assets | 75.3264% | 2,148 |
| Net loans and leases to deposits | 87.2134% | 3,106 |
| Net loans and leases to core deposits | 111.9831% | 3,026 |
| Total domestic deposits to total assets | 86.3702% | 2,500 |
| Equity capital to assets | 10.8925% | 3,122 |
| Core capital (leverage) ratio | 10.8925% | 2,483 |
| Tier 1 risk-based capital ratio | 19.5495% | 1,638 |
| Total risk-based capital ratio | 20.6815% | 1,621 |
| Memoranda: | ||
| Average total assets | $15,102,000 | 7,972 |
| Average earning assets | $14,418,000 | 7,943 |
| Average equity | $1,758,500 | 7,970 |
| Average total loans | $12,094,250 | 7,671 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7699% | 7,277 |
| Cost of funding earning assets | 2.6248% | 1,220 |
| Net interest margin | 2.1450% | 7,783 |
| Noninterest income to average assets | 0.1212% | 7,375 |
| Noninterest expense to average assets | 2.5588% | 5,906 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.3905% | 6,440 |
| Return on assets (ROA) | -0.3905% | 6,448 |
| Pretax return on assets | -0.3905% | 6,313 |
| Return on Equity (ROE) | -3.2787% | 6,399 |
| Retained earnings to average equity (ytd only) | -3.2787% | 6,017 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.0124% | 704 |
| Assets per employee ($millions) | 3.8213% | 4,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8403% | 7,017 |
| Loan loss allowance to noncurrent loans | 27.2480% | 6,679 |
| Noncurrent assets plus other real estate owned to assets | 2.4010% | 2,701 |
| Noncurrent loans to loans | 3.0838% | 2,327 |
| Net loans and leases to total assets | 77.2064% | 1,911 |
| Net loans and leases to deposits | 90.7281% | 2,711 |
| Net loans and leases to core deposits | 111.3197% | 3,224 |
| Total domestic deposits to total assets | 85.0965% | 3,220 |
| Equity capital to assets | 11.4753% | 2,553 |
| Core capital (leverage) ratio | 11.4753% | 2,100 |
| Tier 1 risk-based capital ratio | 19.0466% | 1,772 |
| Total risk-based capital ratio | 20.1325% | 1,757 |
| Memoranda: | ||
| Average total assets | $14,851,000 | 8,070 |
| Average earning assets | $14,172,330 | 8,032 |
| Average equity | $1,769,000 | 8,047 |
| Average total loans | $12,111,330 | 7,748 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0176% | 6,887 |
| Cost of funding earning assets | 2.6951% | 1,289 |
| Net interest margin | 2.3224% | 7,692 |
| Noninterest income to average assets | 0.1093% | 7,487 |
| Noninterest expense to average assets | 2.6514% | 5,216 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.3280% | 6,717 |
| Return on assets (ROA) | -0.3280% | 6,790 |
| Pretax return on assets | -0.3280% | 6,697 |
| Return on Equity (ROE) | -2.7019% | 6,743 |
| Retained earnings to average equity (ytd only) | -2.7019% | 6,219 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.1176% | 728 |
| Assets per employee ($millions) | 3.7050% | 4,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8302% | 7,040 |
| Loan loss allowance to noncurrent loans | 19.8020% | 7,181 |
| Noncurrent assets plus other real estate owned to assets | 3.4076% | 1,591 |
| Noncurrent loans to loans | 4.1923% | 1,418 |
| Net loans and leases to total assets | 80.6073% | 1,274 |
| Net loans and leases to deposits | 95.4763% | 2,036 |
| Net loans and leases to core deposits | 112.4541% | 3,172 |
| Total domestic deposits to total assets | 84.4265% | 3,499 |
| Equity capital to assets | 11.9433% | 2,296 |
| Core capital (leverage) ratio | 11.9433% | 1,925 |
| Tier 1 risk-based capital ratio | 21.2868% | 1,404 |
| Total risk-based capital ratio | 22.4895% | 1,377 |
| Memoranda: | ||
| Average total assets | $14,634,000 | 8,126 |
| Average earning assets | $13,951,000 | 8,087 |
| Average equity | $1,776,500 | 8,101 |
| Average total loans | $12,216,500 | 7,792 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8600% | 6,234 |
| Cost of funding earning assets | 3.1532% | 1,341 |
| Net interest margin | 2.7068% | 7,491 |
| Noninterest income to average assets | 0.0810% | 7,737 |
| Noninterest expense to average assets | 2.5638% | 5,776 |
| Loan and lease loss provision to assets | 0.1484% | 5,460 |
| Net operating income to assets | -0.0810% | 6,480 |
| Return on assets (ROA) | -0.0810% | 6,327 |
| Pretax return on assets | -0.0540% | 6,216 |
| Return on Equity (ROE) | -0.6666% | 6,318 |
| Retained earnings to average equity (ytd only) | -0.6666% | 5,498 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.4467% | 1,131 |
| Assets per employee ($millions) | 3.6120% | 4,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8073% | 7,078 |
| Loan loss allowance to noncurrent loans | 36.3636% | 6,306 |
| Noncurrent assets plus other real estate owned to assets | 1.9034% | 2,578 |
| Noncurrent loans to loans | 2.2201% | 2,483 |
| Net loans and leases to total assets | 85.0429% | 731 |
| Net loans and leases to deposits | 101.4365% | 1,656 |
| Net loans and leases to core deposits | 121.3171% | 2,574 |
| Total domestic deposits to total assets | 83.8386% | 3,404 |
| Equity capital to assets | 12.3408% | 2,090 |
| Core capital (leverage) ratio | 12.3408% | 1,809 |
| Tier 1 risk-based capital ratio | 21.3789% | 1,410 |
| Total risk-based capital ratio | 22.5779% | 1,380 |
| Memoranda: | ||
| Average total assets | $14,821,600 | 8,167 |
| Average earning assets | $14,112,600 | 8,134 |
| Average equity | $1,800,200 | 8,159 |
| Average total loans | $11,788,800 | 7,843 |