Home > New Valley Central Bank > Performance and Condition Ratios
New Valley Central Bank, Performance and Condition Ratios
| 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 | 4.5076% | 2,991 |
| Cost of funding earning assets | 0.4112% | 4,466 |
| Net interest margin | 4.0964% | 1,618 |
| Noninterest income to average assets | 0.6009% | 2,147 |
| Noninterest expense to average assets | 4.3359% | 360 |
| Loan and lease loss provision to assets | -0.0139% | 5,126 |
| Net operating income to assets | -0.0370% | 5,114 |
| Return on assets (ROA) | -0.0370% | 5,118 |
| Pretax return on assets | -0.0832% | 5,127 |
| Return on Equity (ROE) | -0.2045% | 5,115 |
| Retained earnings to average equity (ytd only) | -0.2045% | 4,717 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.2901% | 144 |
| Assets per employee ($millions) | 4.0259% | 3,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3835% | 5,118 |
| Loan loss allowance to noncurrent loans | 73.7500% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 0.3613% | 3,090 |
| Noncurrent loans to loans | 0.5200% | 2,721 |
| Net loans and leases to total assets | 69.2153% | 2,644 |
| Net loans and leases to deposits | 85.3412% | 2,331 |
| Net loans and leases to core deposits | 85.3412% | 3,009 |
| Total domestic deposits to total assets | 81.1042% | 3,772 |
| Equity capital to assets | 17.6629% | 413 |
| Core capital (leverage) ratio | 17.9614% | 347 |
| Tier 1 risk-based capital ratio | 28.7594% | 528 |
| Total risk-based capital ratio | 29.1932% | 554 |
| Memoranda: | ||
| Average total assets | $43,267,000 | 4,963 |
| Average earning assets | $38,423,670 | 4,973 |
| Average equity | $7,825,000 | 4,607 |
| Average total loans | $31,726,670 | 4,705 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5636% | 2,653 |
| Cost of funding earning assets | 0.3959% | 4,499 |
| Net interest margin | 4.1676% | 1,382 |
| Noninterest income to average assets | 0.5800% | 2,142 |
| Noninterest expense to average assets | 4.4343% | 315 |
| Loan and lease loss provision to assets | -0.0468% | 5,255 |
| Net operating income to assets | -0.0281% | 5,156 |
| Return on assets (ROA) | -0.0281% | 5,159 |
| Pretax return on assets | -0.0655% | 5,163 |
| Return on Equity (ROE) | -0.1533% | 5,158 |
| Retained earnings to average equity (ytd only) | -0.1533% | 4,553 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.5974% | 147 |
| Assets per employee ($millions) | 3.9078% | 4,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3627% | 5,205 |
| Loan loss allowance to noncurrent loans | 158.9041% | 2,567 |
| Noncurrent assets plus other real estate owned to assets | 0.1698% | 3,972 |
| Noncurrent loans to loans | 0.2282% | 3,761 |
| Net loans and leases to total assets | 74.1404% | 1,774 |
| Net loans and leases to deposits | 92.1418% | 1,386 |
| Net loans and leases to core deposits | 92.1418% | 2,288 |
| Total domestic deposits to total assets | 80.4634% | 4,082 |
| Equity capital to assets | 18.2059% | 333 |
| Core capital (leverage) ratio | 18.2613% | 323 |
| Tier 1 risk-based capital ratio | 27.8196% | 572 |
| Total risk-based capital ratio | 28.2318% | 608 |
| Memoranda: | ||
| Average total assets | $42,758,000 | 5,018 |
| Average earning assets | $38,391,000 | 5,027 |
| Average equity | $7,826,500 | 4,637 |
| Average total loans | $32,205,000 | 4,747 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4571% | 2,587 |
| Cost of funding earning assets | 0.4080% | 3,937 |
| Net interest margin | 4.0491% | 1,828 |
| Noninterest income to average assets | 0.5481% | 2,557 |
| Noninterest expense to average assets | 4.2753% | 373 |
| Loan and lease loss provision to assets | -0.1259% | 5,289 |
| Net operating income to assets | 0.0466% | 5,211 |
| Return on assets (ROA) | 0.0466% | 5,205 |
| Pretax return on assets | 0.0327% | 5,212 |
| Return on Equity (ROE) | 0.2557% | 5,212 |
| Retained earnings to average equity (ytd only) | 0.2557% | 4,916 |
| Net charge-offs to loans | 0.0185% | 3,080 |
| Credit loss provision to net charge-offs | -900.0000% | 4,722 |
| Earnings coverage of net charge-offs (x) | -6.6667% | 3,749 |
| Efficiency ratio | 102.2309% | 124 |
| Assets per employee ($millions) | 3.8664% | 4,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3732% | 5,236 |
| Loan loss allowance to noncurrent loans | 75.6250% | 3,818 |
| Noncurrent assets plus other real estate owned to assets | 0.3762% | 3,050 |
| Noncurrent loans to loans | 0.4935% | 2,794 |
| Net loans and leases to total assets | 75.9534% | 1,624 |
| Net loans and leases to deposits | 94.7080% | 1,203 |
| Net loans and leases to core deposits | 94.7080% | 2,165 |
| Total domestic deposits to total assets | 80.1975% | 4,062 |
| Equity capital to assets | 18.4035% | 309 |
| Core capital (leverage) ratio | 17.8560% | 344 |
| Tier 1 risk-based capital ratio | 27.7298% | 582 |
| Total risk-based capital ratio | 28.1582% | 612 |
| Memoranda: | ||
| Average total assets | $42,874,200 | 5,062 |
| Average earning assets | $38,477,800 | 5,064 |
| Average equity | $7,821,800 | 4,632 |
| Average total loans | $32,483,800 | 4,753 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4432% | 2,488 |
| Cost of funding earning assets | 0.4046% | 3,827 |
| Net interest margin | 4.0386% | 1,830 |
| Noninterest income to average assets | 0.5400% | 2,619 |
| Noninterest expense to average assets | 4.2302% | 382 |
| Loan and lease loss provision to assets | -0.1366% | 5,374 |
| Net operating income to assets | 0.0869% | 5,262 |
| Return on assets (ROA) | 0.0869% | 5,255 |
| Pretax return on assets | 0.0714% | 5,263 |
| Return on Equity (ROE) | 0.4773% | 5,268 |
| Retained earnings to average equity (ytd only) | 0.4773% | 4,953 |
| Net charge-offs to loans | 0.0246% | 2,629 |
| Credit loss provision to net charge-offs | -733.3333% | 4,573 |
| Earnings coverage of net charge-offs (x) | -3.5000% | 3,453 |
| Efficiency ratio | 101.5648% | 129 |
| Assets per employee ($millions) | 3.8918% | 4,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4119% | 5,274 |
| Loan loss allowance to noncurrent loans | 172.3684% | 2,499 |
| Noncurrent assets plus other real estate owned to assets | 0.1775% | 4,064 |
| Noncurrent loans to loans | 0.2390% | 3,842 |
| Net loans and leases to total assets | 73.9804% | 1,986 |
| Net loans and leases to deposits | 92.0990% | 1,611 |
| Net loans and leases to core deposits | 93.4689% | 2,352 |
| Total domestic deposits to total assets | 80.3270% | 4,035 |
| Equity capital to assets | 18.2995% | 314 |
| Core capital (leverage) ratio | 18.2038% | 313 |
| Tier 1 risk-based capital ratio | 28.5288% | 541 |
| Total risk-based capital ratio | 29.0055% | 574 |
| Memoranda: | ||
| Average total assets | $42,960,250 | 5,124 |
| Average earning assets | $38,560,000 | 5,127 |
| Average equity | $7,820,500 | 4,682 |
| Average total loans | $32,498,750 | 4,807 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4328% | 2,309 |
| Cost of funding earning assets | 0.3987% | 3,727 |
| Net interest margin | 4.0340% | 1,747 |
| Noninterest income to average assets | 0.5069% | 2,820 |
| Noninterest expense to average assets | 4.2734% | 373 |
| Loan and lease loss provision to assets | -0.2000% | 5,473 |
| Net operating income to assets | 0.0744% | 5,310 |
| Return on assets (ROA) | 0.0744% | 5,302 |
| Pretax return on assets | 0.0558% | 5,311 |
| Return on Equity (ROE) | 0.4094% | 5,314 |
| Retained earnings to average equity (ytd only) | 0.4094% | 4,889 |
| Net charge-offs to loans | 0.0122% | 2,726 |
| Credit loss provision to net charge-offs | -2,150.0000% | 4,650 |
| Earnings coverage of net charge-offs (x) | -15.5000% | 3,190 |
| Efficiency ratio | 103.4910% | 134 |
| Assets per employee ($millions) | 3.8865% | 4,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4229% | 5,338 |
| Loan loss allowance to noncurrent loans | 174.3590% | 2,500 |
| Noncurrent assets plus other real estate owned to assets | 0.1825% | 4,067 |
| Noncurrent loans to loans | 0.2425% | 3,833 |
| Net loans and leases to total assets | 74.9129% | 1,800 |
| Net loans and leases to deposits | 93.1964% | 1,448 |
| Net loans and leases to core deposits | 94.5780% | 2,175 |
| Total domestic deposits to total assets | 80.3817% | 4,159 |
| Equity capital to assets | 18.2966% | 302 |
| Core capital (leverage) ratio | 18.0846% | 310 |
| Tier 1 risk-based capital ratio | 28.0921% | 554 |
| Total risk-based capital ratio | 28.5801% | 586 |
| Memoranda: | ||
| Average total assets | $43,010,330 | 5,181 |
| Average earning assets | $38,621,330 | 5,185 |
| Average equity | $7,816,000 | 4,728 |
| Average total loans | $32,731,000 | 4,846 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4279% | 2,102 |
| Cost of funding earning assets | 0.3819% | 3,721 |
| Net interest margin | 4.0460% | 1,577 |
| Noninterest income to average assets | 0.4543% | 3,089 |
| Noninterest expense to average assets | 4.3486% | 339 |
| Loan and lease loss provision to assets | -0.3894% | 5,572 |
| Net operating income to assets | 0.1205% | 5,317 |
| Return on assets (ROA) | 0.1205% | 5,313 |
| Pretax return on assets | 0.1298% | 5,322 |
| Return on Equity (ROE) | 0.6656% | 5,336 |
| Retained earnings to average equity (ytd only) | 0.6656% | 4,698 |
| Net charge-offs to loans | -0.0121% | 4,330 |
| Credit loss provision to net charge-offs | 4,200.0000% | 95 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.3492% | 124 |
| Assets per employee ($millions) | 3.6082% | 4,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4230% | 5,411 |
| Loan loss allowance to noncurrent loans | 175.0000% | 2,487 |
| Noncurrent assets plus other real estate owned to assets | 0.1848% | 4,162 |
| Noncurrent loans to loans | 0.2417% | 3,901 |
| Net loans and leases to total assets | 76.1167% | 1,522 |
| Net loans and leases to deposits | 94.2949% | 1,201 |
| Net loans and leases to core deposits | 95.6662% | 2,001 |
| Total domestic deposits to total assets | 80.7220% | 4,268 |
| Equity capital to assets | 18.0586% | 308 |
| Core capital (leverage) ratio | 18.1117% | 307 |
| Tier 1 risk-based capital ratio | 27.6102% | 582 |
| Total risk-based capital ratio | 28.1042% | 614 |
| Memoranda: | ||
| Average total assets | $43,140,000 | 5,237 |
| Average earning assets | $38,754,500 | 5,243 |
| Average equity | $7,813,000 | 4,777 |
| Average total loans | $33,015,500 | 4,894 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6170% | 1,377 |
| Cost of funding earning assets | 0.4234% | 3,019 |
| Net interest margin | 4.1936% | 1,198 |
| Noninterest income to average assets | 0.6499% | 2,197 |
| Noninterest expense to average assets | 4.2254% | 407 |
| Loan and lease loss provision to assets | -0.0798% | 5,452 |
| Net operating income to assets | 0.0633% | 5,290 |
| Return on assets (ROA) | 0.0633% | 5,297 |
| Pretax return on assets | 0.1525% | 5,351 |
| Return on Equity (ROE) | 0.3457% | 5,326 |
| Retained earnings to average equity (ytd only) | 0.3457% | 4,887 |
| Net charge-offs to loans | -0.0060% | 4,672 |
| Credit loss provision to net charge-offs | 1,700.0000% | 223 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.3079% | 199 |
| Assets per employee ($millions) | 3.9075% | 4,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5496% | 5,325 |
| Loan loss allowance to noncurrent loans | 218.0723% | 2,145 |
| Noncurrent assets plus other real estate owned to assets | 0.1931% | 4,170 |
| Noncurrent loans to loans | 0.2520% | 3,880 |
| Net loans and leases to total assets | 76.2017% | 1,555 |
| Net loans and leases to deposits | 94.5771% | 1,208 |
| Net loans and leases to core deposits | 95.9626% | 2,024 |
| Total domestic deposits to total assets | 80.5709% | 4,224 |
| Equity capital to assets | 18.1634% | 298 |
| Core capital (leverage) ratio | 17.6437% | 320 |
| Tier 1 risk-based capital ratio | 28.2095% | 529 |
| Total risk-based capital ratio | 28.8627% | 550 |
| Memoranda: | ||
| Average total assets | $42,623,600 | 5,296 |
| Average earning assets | $37,080,200 | 5,318 |
| Average equity | $7,810,400 | 4,813 |
| Average total loans | $33,543,200 | 4,909 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6582% | 1,233 |
| Cost of funding earning assets | 0.4179% | 3,008 |
| Net interest margin | 4.2403% | 1,066 |
| Noninterest income to average assets | 0.6520% | 2,200 |
| Noninterest expense to average assets | 4.2976% | 375 |
| Loan and lease loss provision to assets | -0.1129% | 5,600 |
| Net operating income to assets | 0.1348% | 5,412 |
| Return on assets (ROA) | 0.1348% | 5,420 |
| Pretax return on assets | 0.1254% | 5,441 |
| Return on Equity (ROE) | 0.7339% | 5,459 |
| Retained earnings to average equity (ytd only) | 0.7339% | 5,053 |
| Net charge-offs to loans | -0.0079% | 4,568 |
| Credit loss provision to net charge-offs | 1,800.0000% | 217 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.7091% | 183 |
| Assets per employee ($millions) | 4.3418% | 3,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5336% | 5,424 |
| Loan loss allowance to noncurrent loans | 213.0952% | 2,130 |
| Noncurrent assets plus other real estate owned to assets | 0.1935% | 4,331 |
| Noncurrent loans to loans | 0.2504% | 4,059 |
| Net loans and leases to total assets | 76.8552% | 1,443 |
| Net loans and leases to deposits | 100.1801% | 731 |
| Net loans and leases to core deposits | 102.5035% | 1,507 |
| Total domestic deposits to total assets | 76.7170% | 4,936 |
| Equity capital to assets | 18.0225% | 335 |
| Core capital (leverage) ratio | 17.8899% | 309 |
| Tier 1 risk-based capital ratio | 28.1597% | 557 |
| Total risk-based capital ratio | 28.8037% | 580 |
| Memoranda: | ||
| Average total assets | $42,534,000 | 5,354 |
| Average earning assets | $36,694,500 | 5,382 |
| Average equity | $7,811,250 | 4,862 |
| Average total loans | $33,695,500 | 4,957 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7153% | 1,025 |
| Cost of funding earning assets | 0.4064% | 3,011 |
| Net interest margin | 4.3089% | 835 |
| Noninterest income to average assets | 0.6960% | 2,006 |
| Noninterest expense to average assets | 4.2946% | 377 |
| Loan and lease loss provision to assets | -0.1468% | 5,678 |
| Net operating income to assets | 0.2036% | 5,393 |
| Return on assets (ROA) | 0.2036% | 5,406 |
| Pretax return on assets | 0.2131% | 5,423 |
| Return on Equity (ROE) | 1.1016% | 5,460 |
| Retained earnings to average equity (ytd only) | 1.1016% | 4,802 |
| Net charge-offs to loans | -0.0059% | 4,374 |
| Credit loss provision to net charge-offs | 3,100.0000% | 133 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.4799% | 209 |
| Assets per employee ($millions) | 3.9276% | 4,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5405% | 5,468 |
| Loan loss allowance to noncurrent loans | 210.3448% | 2,140 |
| Noncurrent assets plus other real estate owned to assets | 0.2014% | 4,361 |
| Noncurrent loans to loans | 0.2569% | 4,120 |
| Net loans and leases to total assets | 77.9488% | 1,257 |
| Net loans and leases to deposits | 103.4084% | 527 |
| Net loans and leases to core deposits | 105.8559% | 1,246 |
| Total domestic deposits to total assets | 75.3796% | 5,157 |
| Equity capital to assets | 18.1117% | 321 |
| Core capital (leverage) ratio | 18.6245% | 264 |
| Tier 1 risk-based capital ratio | 28.2035% | 539 |
| Total risk-based capital ratio | 28.8627% | 562 |
| Memoranda: | ||
| Average total assets | $42,239,330 | 5,402 |
| Average earning assets | $35,925,670 | 5,433 |
| Average equity | $7,806,670 | 4,888 |
| Average total loans | $33,744,670 | 4,988 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7650% | 809 |
| Cost of funding earning assets | 0.4094% | 2,907 |
| Net interest margin | 4.3556% | 696 |
| Noninterest income to average assets | 0.6897% | 2,011 |
| Noninterest expense to average assets | 4.2819% | 391 |
| Loan and lease loss provision to assets | -0.2395% | 5,802 |
| Net operating income to assets | 0.2778% | 5,249 |
| Return on assets (ROA) | 0.2778% | 5,261 |
| Pretax return on assets | 0.3161% | 5,289 |
| Return on Equity (ROE) | 1.4877% | 5,429 |
| Retained earnings to average equity (ytd only) | 1.4877% | 4,509 |
| Net charge-offs to loans | -0.0119% | 4,499 |
| Credit loss provision to net charge-offs | 2,500.0000% | 134 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.2418% | 261 |
| Assets per employee ($millions) | 3.7705% | 4,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5517% | 5,540 |
| Loan loss allowance to noncurrent loans | 203.2258% | 2,232 |
| Noncurrent assets plus other real estate owned to assets | 0.2242% | 4,322 |
| Noncurrent loans to loans | 0.2715% | 4,133 |
| Net loans and leases to total assets | 82.1435% | 552 |
| Net loans and leases to deposits | 110.4952% | 208 |
| Net loans and leases to core deposits | 114.2680% | 659 |
| Total domestic deposits to total assets | 74.3412% | 5,388 |
| Equity capital to assets | 18.8354% | 257 |
| Core capital (leverage) ratio | 18.6927% | 250 |
| Tier 1 risk-based capital ratio | 28.4150% | 532 |
| Total risk-based capital ratio | 29.1024% | 558 |
| Memoranda: | ||
| Average total assets | $41,757,000 | 5,471 |
| Average earning assets | $35,173,500 | 5,507 |
| Average equity | $7,797,500 | 4,933 |
| Average total loans | $33,687,000 | 5,036 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8540% | 798 |
| Cost of funding earning assets | 0.3117% | 3,932 |
| Net interest margin | 4.5423% | 566 |
| Noninterest income to average assets | 0.7086% | 2,137 |
| Noninterest expense to average assets | 4.4500% | 398 |
| Loan and lease loss provision to assets | -0.1372% | 5,734 |
| Net operating income to assets | 0.2515% | 5,318 |
| Return on assets (ROA) | 0.2515% | 5,389 |
| Pretax return on assets | 0.2819% | 5,385 |
| Return on Equity (ROE) | 1.2773% | 5,524 |
| Retained earnings to average equity (ytd only) | 1.2773% | 4,773 |
| Net charge-offs to loans | 0.0032% | 4,154 |
| Credit loss provision to net charge-offs | -5,400.0000% | 5,461 |
| Earnings coverage of net charge-offs (x) | 57.0000% | 929 |
| Efficiency ratio | 96.8491% | 287 |
| Assets per employee ($millions) | 3.8217% | 4,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6432% | 5,461 |
| Loan loss allowance to noncurrent loans | 2,662.5000% | 265 |
| Noncurrent assets plus other real estate owned to assets | 0.0190% | 5,316 |
| Noncurrent loans to loans | 0.0242% | 5,171 |
| Net loans and leases to total assets | 78.2678% | 1,164 |
| Net loans and leases to deposits | 104.7399% | 400 |
| Net loans and leases to core deposits | 108.2407% | 1,009 |
| Total domestic deposits to total assets | 74.7258% | 5,377 |
| Equity capital to assets | 18.5138% | 277 |
| Core capital (leverage) ratio | 19.3199% | 214 |
| Tier 1 risk-based capital ratio | 29.2610% | 505 |
| Total risk-based capital ratio | 30.0616% | 519 |
| Memoranda: | ||
| Average total assets | $39,370,800 | 5,552 |
| Average earning assets | $33,683,600 | 5,594 |
| Average equity | $7,750,800 | 4,972 |
| Average total loans | $31,009,600 | 5,161 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8217% | 857 |
| Cost of funding earning assets | 0.2949% | 4,159 |
| Net interest margin | 4.5268% | 591 |
| Noninterest income to average assets | 0.7338% | 2,028 |
| Noninterest expense to average assets | 4.4198% | 408 |
| Loan and lease loss provision to assets | -0.1654% | 5,851 |
| Net operating income to assets | 0.3445% | 5,177 |
| Return on assets (ROA) | 0.3445% | 5,259 |
| Pretax return on assets | 0.3927% | 5,317 |
| Return on Equity (ROE) | 1.7220% | 5,522 |
| Retained earnings to average equity (ytd only) | 1.7220% | 4,820 |
| Net charge-offs to loans | 0.0044% | 3,766 |
| Credit loss provision to net charge-offs | -4,800.0000% | 5,407 |
| Earnings coverage of net charge-offs (x) | 66.1654% | 896 |
| Efficiency ratio | 95.1075% | 344 |
| Assets per employee ($millions) | 3.9283% | 4,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6848% | 5,456 |
| Loan loss allowance to noncurrent loans | 509.3023% | 1,040 |
| Noncurrent assets plus other real estate owned to assets | 0.1095% | 4,987 |
| Noncurrent loans to loans | 0.1345% | 4,804 |
| Net loans and leases to total assets | 80.8492% | 777 |
| Net loans and leases to deposits | 106.5772% | 358 |
| Net loans and leases to core deposits | 110.3429% | 889 |
| Total domestic deposits to total assets | 75.8598% | 5,254 |
| Equity capital to assets | 19.8279% | 231 |
| Core capital (leverage) ratio | 19.9426% | 201 |
| Tier 1 risk-based capital ratio | 30.2179% | 473 |
| Total risk-based capital ratio | 31.0686% | 481 |
| Memoranda: | ||
| Average total assets | $38,703,750 | 5,621 |
| Average earning assets | $33,459,250 | 5,657 |
| Average equity | $7,742,750 | 5,023 |
| Average total loans | $30,483,000 | 5,223 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8031% | 878 |
| Cost of funding earning assets | 0.2938% | 4,203 |
| Net interest margin | 4.5092% | 609 |
| Noninterest income to average assets | 0.6544% | 2,352 |
| Noninterest expense to average assets | 4.4040% | 415 |
| Loan and lease loss provision to assets | -0.2597% | 5,964 |
| Net operating income to assets | 0.3635% | 5,139 |
| Return on assets (ROA) | 0.3635% | 5,233 |
| Pretax return on assets | 0.4155% | 5,319 |
| Return on Equity (ROE) | 1.8118% | 5,552 |
| Retained earnings to average equity (ytd only) | 1.8118% | 4,647 |
| Net charge-offs to loans | 0.0133% | 3,278 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,238 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 2,020 |
| Efficiency ratio | 96.5831% | 324 |
| Assets per employee ($millions) | 3.5260% | 4,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6956% | 5,532 |
| Loan loss allowance to noncurrent loans | 407.5472% | 1,267 |
| Noncurrent assets plus other real estate owned to assets | 0.1366% | 4,959 |
| Noncurrent loans to loans | 0.1707% | 4,752 |
| Net loans and leases to total assets | 79.5029% | 989 |
| Net loans and leases to deposits | 103.4245% | 485 |
| Net loans and leases to core deposits | 107.0732% | 1,098 |
| Total domestic deposits to total assets | 76.8705% | 5,177 |
| Equity capital to assets | 20.0124% | 220 |
| Core capital (leverage) ratio | 19.7899% | 204 |
| Tier 1 risk-based capital ratio | 30.1464% | 488 |
| Total risk-based capital ratio | 30.9872% | 499 |
| Memoranda: | ||
| Average total assets | $38,510,670 | 5,687 |
| Average earning assets | $33,353,670 | 5,724 |
| Average equity | $7,727,330 | 5,069 |
| Average total loans | $29,984,330 | 5,297 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7537% | 940 |
| Cost of funding earning assets | 0.3009% | 4,156 |
| Net interest margin | 4.4528% | 664 |
| Noninterest income to average assets | 0.6046% | 2,502 |
| Noninterest expense to average assets | 4.2634% | 469 |
| Loan and lease loss provision to assets | -0.3544% | 6,060 |
| Net operating income to assets | 0.4691% | 4,741 |
| Return on assets (ROA) | 0.4691% | 4,834 |
| Pretax return on assets | 0.5525% | 4,949 |
| Return on Equity (ROE) | 2.3346% | 5,419 |
| Retained earnings to average equity (ytd only) | 2.3346% | 4,318 |
| Net charge-offs to loans | -0.0136% | 4,667 |
| Credit loss provision to net charge-offs | 3,400.0000% | 122 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5607% | 407 |
| Assets per employee ($millions) | 3.8198% | 4,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7877% | 5,404 |
| Loan loss allowance to noncurrent loans | 412.2807% | 1,237 |
| Noncurrent assets plus other real estate owned to assets | 0.1492% | 4,978 |
| Noncurrent loans to loans | 0.1911% | 4,726 |
| Net loans and leases to total assets | 77.4884% | 1,167 |
| Net loans and leases to deposits | 102.8422% | 475 |
| Net loans and leases to core deposits | 106.5978% | 1,041 |
| Total domestic deposits to total assets | 75.3469% | 5,483 |
| Equity capital to assets | 20.2498% | 204 |
| Core capital (leverage) ratio | 19.9752% | 197 |
| Tier 1 risk-based capital ratio | 30.7689% | 473 |
| Total risk-based capital ratio | 31.7042% | 479 |
| Memoranda: | ||
| Average total assets | $38,373,000 | 5,748 |
| Average earning assets | $33,237,500 | 5,786 |
| Average equity | $7,710,000 | 5,109 |
| Average total loans | $29,450,500 | 5,355 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8113% | 906 |
| Cost of funding earning assets | 0.3314% | 3,891 |
| Net interest margin | 4.4799% | 681 |
| Noninterest income to average assets | 0.6341% | 2,539 |
| Noninterest expense to average assets | 4.3664% | 449 |
| Loan and lease loss provision to assets | -0.0387% | 5,713 |
| Net operating income to assets | 0.0928% | 5,766 |
| Return on assets (ROA) | 0.0928% | 5,807 |
| Pretax return on assets | 0.0696% | 5,826 |
| Return on Equity (ROE) | 0.4684% | 5,844 |
| Retained earnings to average equity (ytd only) | 0.4684% | 5,328 |
| Net charge-offs to loans | -0.0247% | 5,337 |
| Credit loss provision to net charge-offs | 214.2857% | 1,325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.2966% | 300 |
| Assets per employee ($millions) | 3.5044% | 4,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9220% | 5,005 |
| Loan loss allowance to noncurrent loans | 582.6087% | 941 |
| Noncurrent assets plus other real estate owned to assets | 0.1193% | 5,117 |
| Noncurrent loans to loans | 0.1583% | 4,857 |
| Net loans and leases to total assets | 74.7095% | 1,611 |
| Net loans and leases to deposits | 98.7688% | 760 |
| Net loans and leases to core deposits | 102.3200% | 1,340 |
| Total domestic deposits to total assets | 75.6408% | 5,489 |
| Equity capital to assets | 19.9362% | 212 |
| Core capital (leverage) ratio | 19.4911% | 216 |
| Tier 1 risk-based capital ratio | 31.2843% | 456 |
| Total risk-based capital ratio | 32.3746% | 456 |
| Memoranda: | ||
| Average total assets | $38,796,000 | 5,790 |
| Average earning assets | $32,590,200 | 5,842 |
| Average equity | $7,685,200 | 5,117 |
| Average total loans | $28,336,400 | 5,427 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8430% | 867 |
| Cost of funding earning assets | 0.3374% | 3,896 |
| Net interest margin | 4.5056% | 640 |
| Noninterest income to average assets | 0.7205% | 2,146 |
| Noninterest expense to average assets | 4.3268% | 475 |
| Loan and lease loss provision to assets | -0.0789% | 5,969 |
| Net operating income to assets | 0.2127% | 5,655 |
| Return on assets (ROA) | 0.2127% | 5,716 |
| Pretax return on assets | 0.2299% | 5,750 |
| Return on Equity (ROE) | 1.0756% | 5,845 |
| Retained earnings to average equity (ytd only) | 1.0756% | 5,287 |
| Net charge-offs to loans | -0.0379% | 5,443 |
| Credit loss provision to net charge-offs | 287.5000% | 1,000 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6284% | 398 |
| Assets per employee ($millions) | 3.5315% | 4,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9059% | 5,185 |
| Loan loss allowance to noncurrent loans | 555.3191% | 937 |
| Noncurrent assets plus other real estate owned to assets | 0.2188% | 4,890 |
| Noncurrent loans to loans | 0.1631% | 4,997 |
| Net loans and leases to total assets | 73.4953% | 1,821 |
| Net loans and leases to deposits | 97.0296% | 907 |
| Net loans and leases to core deposits | 101.3777% | 1,419 |
| Total domestic deposits to total assets | 75.7453% | 5,533 |
| Equity capital to assets | 19.8630% | 242 |
| Core capital (leverage) ratio | 19.6595% | 219 |
| Tier 1 risk-based capital ratio | 32.7879% | 420 |
| Total risk-based capital ratio | 33.8972% | 420 |
| Memoranda: | ||
| Average total assets | $38,858,000 | 5,866 |
| Average earning assets | $32,403,500 | 5,925 |
| Average equity | $7,685,250 | 5,180 |
| Average total loans | $28,153,750 | 5,500 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8832% | 761 |
| Cost of funding earning assets | 0.3541% | 3,765 |
| Net interest margin | 4.5290% | 604 |
| Noninterest income to average assets | 0.6742% | 2,326 |
| Noninterest expense to average assets | 4.3642% | 470 |
| Loan and lease loss provision to assets | -0.2007% | 6,181 |
| Net operating income to assets | 0.2367% | 5,613 |
| Return on assets (ROA) | 0.2367% | 5,684 |
| Pretax return on assets | 0.2625% | 5,723 |
| Return on Equity (ROE) | 1.1987% | 5,861 |
| Retained earnings to average equity (ytd only) | 1.1987% | 5,080 |
| Net charge-offs to loans | -0.1790% | 5,992 |
| Credit loss provision to net charge-offs | 156.0000% | 1,500 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.6047% | 360 |
| Assets per employee ($millions) | 3.9350% | 4,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9260% | 5,196 |
| Loan loss allowance to noncurrent loans | 391.0448% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 0.1703% | 5,196 |
| Noncurrent loans to loans | 0.2368% | 4,816 |
| Net loans and leases to total assets | 71.2351% | 2,121 |
| Net loans and leases to deposits | 93.4834% | 1,203 |
| Net loans and leases to core deposits | 97.5874% | 1,680 |
| Total domestic deposits to total assets | 76.2008% | 5,577 |
| Equity capital to assets | 19.5629% | 241 |
| Core capital (leverage) ratio | 19.8243% | 212 |
| Tier 1 risk-based capital ratio | 33.4609% | 411 |
| Total risk-based capital ratio | 34.5998% | 410 |
| Memoranda: | ||
| Average total assets | $38,862,000 | 5,928 |
| Average earning assets | $32,192,330 | 5,993 |
| Average equity | $7,675,000 | 5,227 |
| Average total loans | $27,934,670 | 5,556 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9143% | 680 |
| Cost of funding earning assets | 0.3654% | 3,690 |
| Net interest margin | 4.5489% | 555 |
| Noninterest income to average assets | 0.4868% | 3,379 |
| Noninterest expense to average assets | 4.2260% | 542 |
| Loan and lease loss provision to assets | -0.2486% | 6,285 |
| Net operating income to assets | 0.2175% | 5,637 |
| Return on assets (ROA) | 0.2175% | 5,728 |
| Pretax return on assets | 0.2486% | 5,754 |
| Return on Equity (ROE) | 1.0961% | 5,893 |
| Retained earnings to average equity (ytd only) | 1.0961% | 5,044 |
| Net charge-offs to loans | -0.3459% | 6,179 |
| Credit loss provision to net charge-offs | 100.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 364 |
| Assets per employee ($millions) | 3.8282% | 4,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9854% | 5,111 |
| Loan loss allowance to noncurrent loans | 353.8462% | 1,360 |
| Noncurrent assets plus other real estate owned to assets | 0.2038% | 5,143 |
| Noncurrent loans to loans | 0.2785% | 4,785 |
| Net loans and leases to total assets | 72.4466% | 1,741 |
| Net loans and leases to deposits | 95.7699% | 843 |
| Net loans and leases to core deposits | 100.1264% | 1,311 |
| Total domestic deposits to total assets | 75.6465% | 5,770 |
| Equity capital to assets | 20.0512% | 225 |
| Core capital (leverage) ratio | 19.7411% | 217 |
| Tier 1 risk-based capital ratio | 34.6618% | 376 |
| Total risk-based capital ratio | 35.9089% | 369 |
| Memoranda: | ||
| Average total assets | $38,618,000 | 5,993 |
| Average earning assets | $31,744,000 | 6,067 |
| Average equity | $7,663,500 | 5,267 |
| Average total loans | $27,755,500 | 5,606 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2527% | 475 |
| Cost of funding earning assets | 0.3804% | 3,902 |
| Net interest margin | 4.8723% | 375 |
| Noninterest income to average assets | 2.1838% | 297 |
| Noninterest expense to average assets | 4.3937% | 508 |
| Loan and lease loss provision to assets | 0.1644% | 1,597 |
| Net operating income to assets | 1.6411% | 652 |
| Return on assets (ROA) | 1.6411% | 679 |
| Pretax return on assets | 1.6020% | 1,227 |
| Return on Equity (ROE) | 8.7955% | 2,684 |
| Retained earnings to average equity (ytd only) | 8.7955% | 747 |
| Net charge-offs to loans | 0.3428% | 1,277 |
| Credit loss provision to net charge-offs | 67.0213% | 3,137 |
| Earnings coverage of net charge-offs (x) | 7.2021% | 3,065 |
| Efficiency ratio | 71.3257% | 3,324 |
| Assets per employee ($millions) | 3.8954% | 4,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0036% | 5,034 |
| Loan loss allowance to noncurrent loans | 215.6250% | 2,110 |
| Noncurrent assets plus other real estate owned to assets | 0.3748% | 4,573 |
| Noncurrent loans to loans | 0.4654% | 4,260 |
| Net loans and leases to total assets | 69.8901% | 2,255 |
| Net loans and leases to deposits | 92.1226% | 1,274 |
| Net loans and leases to core deposits | 96.2184% | 1,697 |
| Total domestic deposits to total assets | 75.8664% | 5,748 |
| Equity capital to assets | 19.6411% | 239 |
| Core capital (leverage) ratio | 19.4193% | 231 |
| Tier 1 risk-based capital ratio | 34.0802% | 365 |
| Total risk-based capital ratio | 35.3271% | 359 |
| Memoranda: | ||
| Average total assets | $38,327,800 | 6,071 |
| Average earning assets | $31,279,000 | 6,156 |
| Average equity | $7,151,400 | 5,381 |
| Average total loans | $27,419,000 | 5,675 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1796% | 544 |
| Cost of funding earning assets | 0.3797% | 4,023 |
| Net interest margin | 4.7999% | 426 |
| Noninterest income to average assets | 0.5414% | 3,251 |
| Noninterest expense to average assets | 4.4675% | 477 |
| Loan and lease loss provision to assets | 0.0419% | 3,560 |
| Net operating income to assets | 0.0384% | 6,107 |
| Return on assets (ROA) | 0.0384% | 6,128 |
| Pretax return on assets | -0.0384% | 6,168 |
| Return on Equity (ROE) | 0.2088% | 6,134 |
| Retained earnings to average equity (ytd only) | 0.2088% | 5,740 |
| Net charge-offs to loans | 0.0049% | 4,531 |
| Credit loss provision to net charge-offs | 1,200.0000% | 285 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 4,262 |
| Efficiency ratio | 99.9219% | 370 |
| Assets per employee ($millions) | 3.7948% | 4,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1579% | 4,456 |
| Loan loss allowance to noncurrent loans | 89.0756% | 3,940 |
| Noncurrent assets plus other real estate owned to assets | 1.0330% | 2,895 |
| Noncurrent loans to loans | 1.2999% | 2,474 |
| Net loans and leases to total assets | 71.5347% | 1,928 |
| Net loans and leases to deposits | 94.2864% | 1,013 |
| Net loans and leases to core deposits | 98.5944% | 1,483 |
| Total domestic deposits to total assets | 75.8696% | 5,837 |
| Equity capital to assets | 18.5359% | 299 |
| Core capital (leverage) ratio | 18.3014% | 283 |
| Tier 1 risk-based capital ratio | 29.8290% | 536 |
| Total risk-based capital ratio | 31.0823% | 528 |
| Memoranda: | ||
| Average total assets | $38,171,250 | 6,153 |
| Average earning assets | $31,250,000 | 6,235 |
| Average equity | $7,026,500 | 5,456 |
| Average total loans | $27,398,500 | 5,737 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1469% | 559 |
| Cost of funding earning assets | 0.3822% | 4,074 |
| Net interest margin | 4.7647% | 438 |
| Noninterest income to average assets | 0.4550% | 3,831 |
| Noninterest expense to average assets | 4.4293% | 482 |
| Loan and lease loss provision to assets | 0.1464% | 1,685 |
| Net operating income to assets | -0.0941% | 6,253 |
| Return on assets (ROA) | -0.0941% | 6,268 |
| Pretax return on assets | -0.2092% | 6,319 |
| Return on Equity (ROE) | -0.5125% | 6,244 |
| Retained earnings to average equity (ytd only) | -0.5125% | 5,775 |
| Net charge-offs to loans | 0.0073% | 4,137 |
| Credit loss provision to net charge-offs | 2,800.0000% | 133 |
| Earnings coverage of net charge-offs (x) | -12.0000% | 4,321 |
| Efficiency ratio | 101.4371% | 368 |
| Assets per employee ($millions) | 3.7947% | 4,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2042% | 4,403 |
| Loan loss allowance to noncurrent loans | 153.2110% | 2,674 |
| Noncurrent assets plus other real estate owned to assets | 0.6667% | 3,988 |
| Noncurrent loans to loans | 0.7860% | 3,734 |
| Net loans and leases to total assets | 72.2139% | 1,704 |
| Net loans and leases to deposits | 94.9778% | 882 |
| Net loans and leases to core deposits | 99.3078% | 1,336 |
| Total domestic deposits to total assets | 76.0324% | 5,910 |
| Equity capital to assets | 18.4652% | 298 |
| Core capital (leverage) ratio | 18.0981% | 294 |
| Tier 1 risk-based capital ratio | 29.1103% | 569 |
| Total risk-based capital ratio | 30.3619% | 558 |
| Memoranda: | ||
| Average total assets | $38,245,670 | 6,213 |
| Average earning assets | $31,397,670 | 6,287 |
| Average equity | $7,024,000 | 5,485 |
| Average total loans | $27,376,670 | 5,772 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1352% | 556 |
| Cost of funding earning assets | 0.3804% | 4,191 |
| Net interest margin | 4.7548% | 415 |
| Noninterest income to average assets | 0.4688% | 3,638 |
| Noninterest expense to average assets | 4.3026% | 549 |
| Loan and lease loss provision to assets | -0.0208% | 6,424 |
| Net operating income to assets | 0.1354% | 5,955 |
| Return on assets (ROA) | 0.1354% | 5,993 |
| Pretax return on assets | 0.0938% | 6,088 |
| Return on Equity (ROE) | 0.7394% | 6,096 |
| Retained earnings to average equity (ytd only) | 0.7394% | 5,293 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.3333% | 534 |
| Assets per employee ($millions) | 3.4623% | 5,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1252% | 5,010 |
| Loan loss allowance to noncurrent loans | 114.6617% | 3,294 |
| Noncurrent assets plus other real estate owned to assets | 0.6984% | 4,016 |
| Noncurrent loans to loans | 0.9813% | 3,459 |
| Net loans and leases to total assets | 70.3715% | 1,821 |
| Net loans and leases to deposits | 92.5705% | 909 |
| Net loans and leases to core deposits | 96.7685% | 1,327 |
| Total domestic deposits to total assets | 76.0194% | 6,074 |
| Equity capital to assets | 18.4797% | 293 |
| Core capital (leverage) ratio | 18.1550% | 301 |
| Tier 1 risk-based capital ratio | 29.8880% | 531 |
| Total risk-based capital ratio | 31.1377% | 523 |
| Memoranda: | ||
| Average total assets | $38,395,000 | 6,276 |
| Average earning assets | $31,547,000 | 6,350 |
| Average equity | $7,032,500 | 5,510 |
| Average total loans | $27,196,500 | 5,842 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2382% | 590 |
| Cost of funding earning assets | 0.4955% | 3,659 |
| Net interest margin | 4.7428% | 481 |
| Noninterest income to average assets | 0.6970% | 2,557 |
| Noninterest expense to average assets | 4.2326% | 675 |
| Loan and lease loss provision to assets | 0.1755% | 2,102 |
| Net operating income to assets | 0.2925% | 5,548 |
| Return on assets (ROA) | 0.2925% | 5,642 |
| Pretax return on assets | 0.3307% | 5,643 |
| Return on Equity (ROE) | 1.6437% | 5,948 |
| Retained earnings to average equity (ytd only) | 1.6437% | 5,049 |
| Net charge-offs to loans | 0.2607% | 2,402 |
| Credit loss provision to net charge-offs | 94.5205% | 2,642 |
| Earnings coverage of net charge-offs (x) | 2.7260% | 4,091 |
| Efficiency ratio | 89.3183% | 1,083 |
| Assets per employee ($millions) | 3.5186% | 4,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1251% | 5,029 |
| Loan loss allowance to noncurrent loans | 206.0403% | 2,042 |
| Noncurrent assets plus other real estate owned to assets | 0.3850% | 5,101 |
| Noncurrent loans to loans | 0.5460% | 4,624 |
| Net loans and leases to total assets | 69.7068% | 2,068 |
| Net loans and leases to deposits | 91.3121% | 1,131 |
| Net loans and leases to core deposits | 95.3593% | 1,500 |
| Total domestic deposits to total assets | 76.3390% | 6,063 |
| Equity capital to assets | 18.1553% | 307 |
| Core capital (leverage) ratio | 17.8379% | 306 |
| Tier 1 risk-based capital ratio | 29.2985% | 533 |
| Total risk-based capital ratio | 30.5507% | 528 |
| Memoranda: | ||
| Average total assets | $39,313,800 | 6,306 |
| Average earning assets | $33,503,600 | 6,361 |
| Average equity | $6,996,400 | 5,569 |
| Average total loans | $27,998,800 | 5,844 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2622% | 565 |
| Cost of funding earning assets | 0.5105% | 3,669 |
| Net interest margin | 4.7516% | 469 |
| Noninterest income to average assets | 0.7601% | 2,319 |
| Noninterest expense to average assets | 4.2398% | 665 |
| Loan and lease loss provision to assets | 0.0811% | 3,439 |
| Net operating income to assets | 0.4088% | 5,218 |
| Return on assets (ROA) | 0.4088% | 5,352 |
| Pretax return on assets | 0.5270% | 5,276 |
| Return on Equity (ROE) | 2.3084% | 5,849 |
| Retained earnings to average equity (ytd only) | 2.3084% | 4,945 |
| Net charge-offs to loans | 0.0947% | 3,618 |
| Credit loss provision to net charge-offs | 120.0000% | 1,964 |
| Earnings coverage of net charge-offs (x) | 8.9985% | 2,544 |
| Efficiency ratio | 87.4564% | 1,216 |
| Assets per employee ($millions) | 3.5578% | 4,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1476% | 5,133 |
| Loan loss allowance to noncurrent loans | 211.4094% | 1,896 |
| Noncurrent assets plus other real estate owned to assets | 0.4625% | 5,041 |
| Noncurrent loans to loans | 0.5428% | 4,838 |
| Net loans and leases to total assets | 69.3326% | 2,078 |
| Net loans and leases to deposits | 90.6037% | 1,097 |
| Net loans and leases to core deposits | 96.2437% | 1,374 |
| Total domestic deposits to total assets | 76.5229% | 6,107 |
| Equity capital to assets | 17.9656% | 325 |
| Core capital (leverage) ratio | 17.7662% | 321 |
| Tier 1 risk-based capital ratio | 29.2713% | 550 |
| Total risk-based capital ratio | 30.5625% | 544 |
| Memoranda: | ||
| Average total assets | $39,466,000 | 6,374 |
| Average earning assets | $33,952,250 | 6,421 |
| Average equity | $6,988,750 | 5,640 |
| Average total loans | $28,176,750 | 5,897 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2985% | 529 |
| Cost of funding earning assets | 0.5096% | 3,806 |
| Net interest margin | 4.7889% | 442 |
| Noninterest income to average assets | 0.8187% | 2,110 |
| Noninterest expense to average assets | 4.3107% | 621 |
| Loan and lease loss provision to assets | 0.1769% | 2,145 |
| Net operating income to assets | 0.3891% | 5,252 |
| Return on assets (ROA) | 0.3891% | 5,419 |
| Pretax return on assets | 0.5104% | 5,333 |
| Return on Equity (ROE) | 2.2080% | 5,879 |
| Retained earnings to average equity (ytd only) | 2.2080% | 4,866 |
| Net charge-offs to loans | 0.1407% | 2,975 |
| Credit loss provision to net charge-offs | 175.0000% | 1,353 |
| Earnings coverage of net charge-offs (x) | 6.8000% | 2,646 |
| Efficiency ratio | 86.2487% | 1,390 |
| Assets per employee ($millions) | 3.5754% | 4,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1650% | 5,175 |
| Loan loss allowance to noncurrent loans | 218.7919% | 1,843 |
| Noncurrent assets plus other real estate owned to assets | 0.4602% | 5,125 |
| Noncurrent loans to loans | 0.5325% | 4,933 |
| Net loans and leases to total assets | 70.3196% | 1,830 |
| Net loans and leases to deposits | 91.6368% | 998 |
| Net loans and leases to core deposits | 98.1893% | 1,195 |
| Total domestic deposits to total assets | 76.7373% | 6,166 |
| Equity capital to assets | 17.7630% | 342 |
| Core capital (leverage) ratio | 17.5709% | 317 |
| Tier 1 risk-based capital ratio | 28.3885% | 608 |
| Total risk-based capital ratio | 29.6402% | 598 |
| Memoranda: | ||
| Average total assets | $39,576,000 | 6,417 |
| Average earning assets | $34,538,330 | 6,447 |
| Average equity | $6,974,670 | 5,690 |
| Average total loans | $28,419,330 | 5,917 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5173% | 361 |
| Cost of funding earning assets | 0.5310% | 3,766 |
| Net interest margin | 4.9864% | 301 |
| Noninterest income to average assets | 0.5642% | 3,348 |
| Noninterest expense to average assets | 4.1915% | 723 |
| Loan and lease loss provision to assets | -0.7859% | 6,988 |
| Net operating income to assets | 1.1587% | 1,643 |
| Return on assets (ROA) | 1.1587% | 1,752 |
| Pretax return on assets | 1.5114% | 1,531 |
| Return on Equity (ROE) | 6.6007% | 3,714 |
| Retained earnings to average equity (ytd only) | 6.6007% | 2,366 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2459% | 1,615 |
| Assets per employee ($millions) | 3.5704% | 4,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8142% | 6,436 |
| Loan loss allowance to noncurrent loans | 118.2741% | 2,918 |
| Noncurrent assets plus other real estate owned to assets | 0.5016% | 5,128 |
| Noncurrent loans to loans | 0.6884% | 4,748 |
| Net loans and leases to total assets | 72.2717% | 1,313 |
| Net loans and leases to deposits | 94.7144% | 624 |
| Net loans and leases to core deposits | 101.5782% | 852 |
| Total domestic deposits to total assets | 76.3049% | 6,330 |
| Equity capital to assets | 17.8872% | 345 |
| Core capital (leverage) ratio | 17.6984% | 305 |
| Tier 1 risk-based capital ratio | 28.3913% | 618 |
| Total risk-based capital ratio | 29.3451% | 621 |
| Memoranda: | ||
| Average total assets | $39,699,500 | 6,469 |
| Average earning assets | $34,654,500 | 6,504 |
| Average equity | $6,969,000 | 5,748 |
| Average total loans | $28,638,000 | 5,950 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5707% | 542 |
| Cost of funding earning assets | 0.6123% | 4,234 |
| Net interest margin | 4.9584% | 408 |
| Noninterest income to average assets | 1.0308% | 1,453 |
| Noninterest expense to average assets | 4.1107% | 849 |
| Loan and lease loss provision to assets | 0.2938% | 2,328 |
| Net operating income to assets | 0.7669% | 3,434 |
| Return on assets (ROA) | 0.7669% | 3,682 |
| Pretax return on assets | 0.9611% | 3,699 |
| Return on Equity (ROE) | 4.5685% | 4,893 |
| Retained earnings to average equity (ytd only) | 4.5685% | 3,008 |
| Net charge-offs to loans | 0.4111% | 2,610 |
| Credit loss provision to net charge-offs | 96.7213% | 3,215 |
| Earnings coverage of net charge-offs (x) | 4.1311% | 3,470 |
| Efficiency ratio | 76.6125% | 2,648 |
| Assets per employee ($millions) | 4.0125% | 3,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0852% | 5,614 |
| Loan loss allowance to noncurrent loans | 205.9603% | 1,801 |
| Noncurrent assets plus other real estate owned to assets | 0.3763% | 5,565 |
| Noncurrent loans to loans | 0.5269% | 5,212 |
| Net loans and leases to total assets | 70.6492% | 1,716 |
| Net loans and leases to deposits | 93.2132% | 810 |
| Net loans and leases to core deposits | 99.9013% | 1,034 |
| Total domestic deposits to total assets | 75.7931% | 6,381 |
| Equity capital to assets | 17.2287% | 389 |
| Core capital (leverage) ratio | 17.1079% | 342 |
| Tier 1 risk-based capital ratio | 28.4931% | 593 |
| Total risk-based capital ratio | 29.7440% | 579 |
| Memoranda: | ||
| Average total assets | $40,163,400 | 6,496 |
| Average earning assets | $35,112,400 | 6,527 |
| Average equity | $6,741,800 | 5,829 |
| Average total loans | $29,675,800 | 5,963 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5979% | 558 |
| Cost of funding earning assets | 0.6266% | 4,398 |
| Net interest margin | 4.9713% | 424 |
| Noninterest income to average assets | 1.0089% | 1,480 |
| Noninterest expense to average assets | 4.2050% | 717 |
| Loan and lease loss provision to assets | 0.3717% | 1,741 |
| Net operating income to assets | 0.6339% | 4,221 |
| Return on assets (ROA) | 0.6339% | 4,474 |
| Pretax return on assets | 0.7766% | 4,572 |
| Return on Equity (ROE) | 3.8015% | 5,369 |
| Retained earnings to average equity (ytd only) | 3.8015% | 4,217 |
| Net charge-offs to loans | 0.0980% | 4,403 |
| Credit loss provision to net charge-offs | 509.0909% | 524 |
| Earnings coverage of net charge-offs (x) | 15.7286% | 1,735 |
| Efficiency ratio | 78.5493% | 2,305 |
| Assets per employee ($millions) | 3.5665% | 4,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3639% | 4,523 |
| Loan loss allowance to noncurrent loans | 164.6341% | 2,103 |
| Noncurrent assets plus other real estate owned to assets | 0.7086% | 4,912 |
| Noncurrent loans to loans | 0.8285% | 4,761 |
| Net loans and leases to total assets | 74.6578% | 1,154 |
| Net loans and leases to deposits | 97.1797% | 591 |
| Net loans and leases to core deposits | 103.3559% | 908 |
| Total domestic deposits to total assets | 76.8245% | 6,264 |
| Equity capital to assets | 17.3179% | 418 |
| Core capital (leverage) ratio | 17.1294% | 363 |
| Tier 1 risk-based capital ratio | 27.2546% | 721 |
| Total risk-based capital ratio | 28.5064% | 704 |
| Memoranda: | ||
| Average total assets | $40,173,000 | 6,580 |
| Average earning assets | $35,107,500 | 6,611 |
| Average equity | $6,699,000 | 5,912 |
| Average total loans | $29,930,000 | 6,025 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5369% | 667 |
| Cost of funding earning assets | 0.6209% | 4,712 |
| Net interest margin | 4.9160% | 457 |
| Noninterest income to average assets | 0.9336% | 1,667 |
| Noninterest expense to average assets | 4.1890% | 739 |
| Loan and lease loss provision to assets | 0.1630% | 3,473 |
| Net operating income to assets | 0.7262% | 3,720 |
| Return on assets (ROA) | 0.7262% | 4,001 |
| Pretax return on assets | 0.8842% | 4,139 |
| Return on Equity (ROE) | 4.4096% | 5,086 |
| Retained earnings to average equity (ytd only) | 4.4096% | 3,674 |
| Net charge-offs to loans | 0.0200% | 5,129 |
| Credit loss provision to net charge-offs | 1,100.0000% | 300 |
| Earnings coverage of net charge-offs (x) | 70.6667% | 566 |
| Efficiency ratio | 80.0000% | 2,175 |
| Assets per employee ($millions) | 3.7329% | 4,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1493% | 5,574 |
| Loan loss allowance to noncurrent loans | 125.0000% | 2,622 |
| Noncurrent assets plus other real estate owned to assets | 0.7501% | 4,921 |
| Noncurrent loans to loans | 0.9195% | 4,663 |
| Net loans and leases to total assets | 72.2615% | 1,519 |
| Net loans and leases to deposits | 92.5111% | 884 |
| Net loans and leases to core deposits | 97.0625% | 1,344 |
| Total domestic deposits to total assets | 78.1111% | 6,141 |
| Equity capital to assets | 16.4410% | 516 |
| Core capital (leverage) ratio | 16.2604% | 439 |
| Tier 1 risk-based capital ratio | 26.8245% | 740 |
| Total risk-based capital ratio | 28.1045% | 721 |
| Memoranda: | ||
| Average total assets | $40,487,000 | 6,619 |
| Average earning assets | $35,435,000 | 6,643 |
| Average equity | $6,667,330 | 5,942 |
| Average total loans | $30,008,670 | 6,065 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5629% | 679 |
| Cost of funding earning assets | 0.6598% | 4,638 |
| Net interest margin | 4.9031% | 465 |
| Noninterest income to average assets | 0.7164% | 2,568 |
| Noninterest expense to average assets | 4.0896% | 836 |
| Loan and lease loss provision to assets | 0.5075% | 1,194 |
| Net operating income to assets | 0.3682% | 5,392 |
| Return on assets (ROA) | 0.3682% | 5,571 |
| Pretax return on assets | 0.4080% | 5,700 |
| Return on Equity (ROE) | 2.2338% | 5,995 |
| Retained earnings to average equity (ytd only) | 2.2338% | 5,142 |
| Net charge-offs to loans | 0.0400% | 4,140 |
| Credit loss provision to net charge-offs | 1,700.0000% | 196 |
| Earnings coverage of net charge-offs (x) | 30.6667% | 905 |
| Efficiency ratio | 81.7097% | 1,973 |
| Assets per employee ($millions) | 3.6436% | 4,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2056% | 5,457 |
| Loan loss allowance to noncurrent loans | 131.5217% | 2,432 |
| Noncurrent assets plus other real estate owned to assets | 0.7685% | 5,006 |
| Noncurrent loans to loans | 0.9167% | 4,834 |
| Net loans and leases to total assets | 74.2166% | 1,028 |
| Net loans and leases to deposits | 91.5825% | 832 |
| Net loans and leases to core deposits | 96.0230% | 1,300 |
| Total domestic deposits to total assets | 81.0379% | 5,594 |
| Equity capital to assets | 16.5768% | 488 |
| Core capital (leverage) ratio | 16.3959% | 423 |
| Tier 1 risk-based capital ratio | 26.6854% | 752 |
| Total risk-based capital ratio | 27.9426% | 740 |
| Memoranda: | ||
| Average total assets | $40,199,500 | 6,677 |
| Average earning assets | $35,161,500 | 6,702 |
| Average equity | $6,625,500 | 5,992 |
| Average total loans | $30,004,500 | 6,113 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5933% | 971 |
| Cost of funding earning assets | 0.9100% | 4,050 |
| Net interest margin | 4.6833% | 778 |
| Noninterest income to average assets | 0.7289% | 2,449 |
| Noninterest expense to average assets | 3.8717% | 1,226 |
| Loan and lease loss provision to assets | 0.6558% | 1,552 |
| Net operating income to assets | 0.1312% | 5,786 |
| Return on assets (ROA) | 0.1312% | 5,918 |
| Pretax return on assets | 0.2775% | 5,618 |
| Return on Equity (ROE) | 0.7874% | 6,003 |
| Retained earnings to average equity (ytd only) | 0.7874% | 5,485 |
| Net charge-offs to loans | 0.6248% | 2,588 |
| Credit loss provision to net charge-offs | 138.2979% | 2,138 |
| Earnings coverage of net charge-offs (x) | 1.9681% | 4,307 |
| Efficiency ratio | 80.5774% | 2,224 |
| Assets per employee ($millions) | 3.6654% | 4,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9933% | 6,257 |
| Loan loss allowance to noncurrent loans | 105.3191% | 2,921 |
| Noncurrent assets plus other real estate owned to assets | 0.6994% | 5,242 |
| Noncurrent loans to loans | 0.9431% | 4,817 |
| Net loans and leases to total assets | 73.4220% | 1,373 |
| Net loans and leases to deposits | 89.8149% | 1,183 |
| Net loans and leases to core deposits | 94.0973% | 1,684 |
| Total domestic deposits to total assets | 81.7481% | 5,211 |
| Equity capital to assets | 16.3868% | 529 |
| Core capital (leverage) ratio | 16.3681% | 427 |
| Tier 1 risk-based capital ratio | 24.7450% | 893 |
| Total risk-based capital ratio | 25.8588% | 902 |
| Memoranda: | ||
| Average total assets | $39,646,600 | 6,690 |
| Average earning assets | $34,505,800 | 6,730 |
| Average equity | $6,603,800 | 5,982 |
| Average total loans | $30,090,000 | 6,153 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6116% | 1,011 |
| Cost of funding earning assets | 0.9521% | 4,029 |
| Net interest margin | 4.6595% | 832 |
| Noninterest income to average assets | 0.6856% | 2,694 |
| Noninterest expense to average assets | 3.7657% | 1,368 |
| Loan and lease loss provision to assets | 0.4424% | 2,263 |
| Net operating income to assets | 0.2128% | 5,664 |
| Return on assets (ROA) | 0.2128% | 5,801 |
| Pretax return on assets | 0.5269% | 5,056 |
| Return on Equity (ROE) | 1.2721% | 6,005 |
| Retained earnings to average equity (ytd only) | 1.2721% | 5,498 |
| Net charge-offs to loans | 0.8406% | 1,897 |
| Credit loss provision to net charge-offs | 68.9474% | 4,516 |
| Earnings coverage of net charge-offs (x) | 1.5105% | 4,504 |
| Efficiency ratio | 79.5292% | 2,329 |
| Assets per employee ($millions) | 3.6454% | 4,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5475% | 7,134 |
| Loan loss allowance to noncurrent loans | 58.6572% | 4,532 |
| Noncurrent assets plus other real estate owned to assets | 0.7058% | 5,383 |
| Noncurrent loans to loans | 0.9334% | 5,014 |
| Net loans and leases to total assets | 75.1939% | 1,113 |
| Net loans and leases to deposits | 92.2051% | 998 |
| Net loans and leases to core deposits | 96.6596% | 1,538 |
| Total domestic deposits to total assets | 81.5507% | 5,236 |
| Equity capital to assets | 16.5914% | 531 |
| Core capital (leverage) ratio | 16.5623% | 437 |
| Tier 1 risk-based capital ratio | 25.0368% | 910 |
| Total risk-based capital ratio | 25.6628% | 953 |
| Memoranda: | ||
| Average total assets | $39,478,500 | 6,752 |
| Average earning assets | $34,309,250 | 6,799 |
| Average equity | $6,603,000 | 6,026 |
| Average total loans | $30,137,500 | 6,212 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6392% | 993 |
| Cost of funding earning assets | 0.9800% | 4,091 |
| Net interest margin | 4.6592% | 803 |
| Noninterest income to average assets | 0.6977% | 2,567 |
| Noninterest expense to average assets | 3.7482% | 1,448 |
| Loan and lease loss provision to assets | 0.6671% | 1,443 |
| Net operating income to assets | -0.0815% | 6,326 |
| Return on assets (ROA) | -0.0815% | 6,382 |
| Pretax return on assets | 0.3259% | 5,609 |
| Return on Equity (ROE) | -0.4859% | 6,356 |
| Retained earnings to average equity (ytd only) | -0.4859% | 5,960 |
| Net charge-offs to loans | 1.2634% | 1,233 |
| Credit loss provision to net charge-offs | 68.9474% | 4,082 |
| Earnings coverage of net charge-offs (x) | 1.0263% | 4,523 |
| Efficiency ratio | 79.0548% | 2,548 |
| Assets per employee ($millions) | 4.0518% | 3,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5463% | 7,200 |
| Loan loss allowance to noncurrent loans | 57.8947% | 4,565 |
| Noncurrent assets plus other real estate owned to assets | 0.9749% | 4,917 |
| Noncurrent loans to loans | 0.9436% | 5,090 |
| Net loans and leases to total assets | 74.1374% | 1,390 |
| Net loans and leases to deposits | 90.3864% | 1,229 |
| Net loans and leases to core deposits | 94.6736% | 1,826 |
| Total domestic deposits to total assets | 82.0228% | 5,157 |
| Equity capital to assets | 16.2397% | 583 |
| Core capital (leverage) ratio | 16.1983% | 482 |
| Tier 1 risk-based capital ratio | 25.2852% | 879 |
| Total risk-based capital ratio | 25.9212% | 914 |
| Memoranda: | ||
| Average total assets | $39,271,670 | 6,815 |
| Average earning assets | $34,083,000 | 6,868 |
| Average equity | $6,586,330 | 6,060 |
| Average total loans | $30,077,330 | 6,271 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7011% | 881 |
| Cost of funding earning assets | 0.9920% | 4,255 |
| Net interest margin | 4.7090% | 690 |
| Noninterest income to average assets | 0.6210% | 3,034 |
| Noninterest expense to average assets | 3.7673% | 1,404 |
| Loan and lease loss provision to assets | 0.1863% | 3,751 |
| Net operating income to assets | 0.0517% | 6,229 |
| Return on assets (ROA) | 0.0517% | 6,269 |
| Pretax return on assets | 0.7452% | 4,120 |
| Return on Equity (ROE) | 0.3035% | 6,307 |
| Retained earnings to average equity (ytd only) | 0.3035% | 5,684 |
| Net charge-offs to loans | 2.4389% | 479 |
| Credit loss provision to net charge-offs | 9.8361% | 4,383 |
| Earnings coverage of net charge-offs (x) | 0.4918% | 4,250 |
| Efficiency ratio | 80.1762% | 2,498 |
| Assets per employee ($millions) | 3.8076% | 4,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1978% | 7,446 |
| Loan loss allowance to noncurrent loans | 24.5833% | 6,567 |
| Noncurrent assets plus other real estate owned to assets | 1.2265% | 4,504 |
| Noncurrent loans to loans | 0.8046% | 5,424 |
| Net loans and leases to total assets | 78.1831% | 708 |
| Net loans and leases to deposits | 96.5961% | 652 |
| Net loans and leases to core deposits | 101.5487% | 1,231 |
| Total domestic deposits to total assets | 80.9381% | 5,676 |
| Equity capital to assets | 17.3364% | 414 |
| Core capital (leverage) ratio | 17.2929% | 373 |
| Tier 1 risk-based capital ratio | 25.9821% | 789 |
| Total risk-based capital ratio | 26.2150% | 865 |
| Memoranda: | ||
| Average total assets | $38,648,500 | 6,883 |
| Average earning assets | $33,467,500 | 6,938 |
| Average equity | $6,589,500 | 6,063 |
| Average total loans | $30,014,000 | 6,333 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9093% | 1,024 |
| Cost of funding earning assets | 1.3331% | 3,671 |
| Net interest margin | 4.5763% | 1,061 |
| Noninterest income to average assets | 0.7105% | 2,783 |
| Noninterest expense to average assets | 3.6631% | 1,784 |
| Loan and lease loss provision to assets | 0.2988% | 4,412 |
| Net operating income to assets | 0.4017% | 4,529 |
| Return on assets (ROA) | 0.4017% | 4,668 |
| Pretax return on assets | 0.7306% | 3,868 |
| Return on Equity (ROE) | 2.4587% | 5,205 |
| Retained earnings to average equity (ytd only) | 2.4587% | 4,154 |
| Net charge-offs to loans | 0.1066% | 5,810 |
| Credit loss provision to net charge-offs | 360.6061% | 707 |
| Earnings coverage of net charge-offs (x) | 12.4242% | 1,504 |
| Efficiency ratio | 78.0631% | 2,700 |
| Assets per employee ($millions) | 3.9221% | 3,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7417% | 7,063 |
| Loan loss allowance to noncurrent loans | 24.7788% | 6,608 |
| Noncurrent assets plus other real estate owned to assets | 2.3049% | 2,966 |
| Noncurrent loans to loans | 2.9934% | 2,559 |
| Net loans and leases to total assets | 76.4284% | 1,198 |
| Net loans and leases to deposits | 93.8422% | 1,076 |
| Net loans and leases to core deposits | 98.4692% | 1,755 |
| Total domestic deposits to total assets | 81.4436% | 5,372 |
| Equity capital to assets | 16.7716% | 480 |
| Core capital (leverage) ratio | 16.7228% | 419 |
| Tier 1 risk-based capital ratio | 25.1554% | 829 |
| Total risk-based capital ratio | 26.0150% | 848 |
| Memoranda: | ||
| Average total assets | $39,829,400 | 6,870 |
| Average earning assets | $34,657,000 | 6,928 |
| Average equity | $6,507,600 | 6,199 |
| Average total loans | $30,961,600 | 6,357 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9771% | 979 |
| Cost of funding earning assets | 1.4032% | 3,563 |
| Net interest margin | 4.5739% | 1,102 |
| Noninterest income to average assets | 0.6069% | 3,393 |
| Noninterest expense to average assets | 3.5315% | 1,959 |
| Loan and lease loss provision to assets | 0.3235% | 4,000 |
| Net operating income to assets | 0.4068% | 4,722 |
| Return on assets (ROA) | 0.4068% | 4,898 |
| Pretax return on assets | 0.7303% | 4,142 |
| Return on Equity (ROE) | 2.5063% | 5,428 |
| Retained earnings to average equity (ytd only) | 2.5063% | 4,667 |
| Net charge-offs to loans | 0.0299% | 6,263 |
| Credit loss provision to net charge-offs | 1,385.7143% | 223 |
| Earnings coverage of net charge-offs (x) | 45.1576% | 615 |
| Efficiency ratio | 77.0182% | 2,760 |
| Assets per employee ($millions) | 3.9801% | 3,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7175% | 7,170 |
| Loan loss allowance to noncurrent loans | 44.7316% | 5,291 |
| Noncurrent assets plus other real estate owned to assets | 1.2638% | 4,621 |
| Noncurrent loans to loans | 1.6041% | 4,240 |
| Net loans and leases to total assets | 78.2191% | 1,001 |
| Net loans and leases to deposits | 95.8822% | 992 |
| Net loans and leases to core deposits | 100.5783% | 1,794 |
| Total domestic deposits to total assets | 81.5784% | 5,169 |
| Equity capital to assets | 16.4644% | 596 |
| Core capital (leverage) ratio | 16.3888% | 502 |
| Tier 1 risk-based capital ratio | 24.0640% | 937 |
| Total risk-based capital ratio | 24.8948% | 964 |
| Memoranda: | ||
| Average total assets | $39,981,500 | 6,952 |
| Average earning assets | $34,776,500 | 7,005 |
| Average equity | $6,490,000 | 6,282 |
| Average total loans | $31,152,000 | 6,434 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0171% | 907 |
| Cost of funding earning assets | 1.4340% | 3,648 |
| Net interest margin | 4.5831% | 1,033 |
| Noninterest income to average assets | 0.5544% | 3,671 |
| Noninterest expense to average assets | 3.4864% | 2,061 |
| Loan and lease loss provision to assets | 0.2997% | 3,995 |
| Net operating income to assets | 0.4895% | 4,380 |
| Return on assets (ROA) | 0.4895% | 4,536 |
| Pretax return on assets | 0.7592% | 4,028 |
| Return on Equity (ROE) | 3.0298% | 5,213 |
| Retained earnings to average equity (ytd only) | 3.0298% | 4,184 |
| Net charge-offs to loans | -0.0064% | 7,142 |
| Credit loss provision to net charge-offs | -6,000.0000% | 7,042 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7033% | 2,949 |
| Assets per employee ($millions) | 4.0524% | 3,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6299% | 7,367 |
| Loan loss allowance to noncurrent loans | 132.6531% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 0.3627% | 6,526 |
| Noncurrent loans to loans | 0.4749% | 6,302 |
| Net loans and leases to total assets | 75.9081% | 1,508 |
| Net loans and leases to deposits | 92.3532% | 1,474 |
| Net loans and leases to core deposits | 96.7418% | 2,356 |
| Total domestic deposits to total assets | 82.1933% | 4,913 |
| Equity capital to assets | 16.1114% | 654 |
| Core capital (leverage) ratio | 16.0369% | 564 |
| Tier 1 risk-based capital ratio | 25.3316% | 821 |
| Total risk-based capital ratio | 26.0924% | 840 |
| Memoranda: | ||
| Average total assets | $40,041,670 | 6,997 |
| Average earning assets | $34,867,330 | 7,046 |
| Average equity | $6,469,000 | 6,309 |
| Average total loans | $31,083,670 | 6,476 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0803% | 814 |
| Cost of funding earning assets | 1.4883% | 3,630 |
| Net interest margin | 4.5919% | 966 |
| Noninterest income to average assets | 0.5025% | 4,032 |
| Noninterest expense to average assets | 3.5075% | 1,961 |
| Loan and lease loss provision to assets | 0.1709% | 4,823 |
| Net operating income to assets | 0.6935% | 3,467 |
| Return on assets (ROA) | 0.6935% | 3,583 |
| Pretax return on assets | 0.8241% | 3,772 |
| Return on Equity (ROE) | 4.2864% | 4,761 |
| Retained earnings to average equity (ytd only) | 4.2864% | 3,573 |
| Net charge-offs to loans | 0.0385% | 5,042 |
| Credit loss provision to net charge-offs | 566.6667% | 765 |
| Earnings coverage of net charge-offs (x) | 33.0000% | 813 |
| Efficiency ratio | 77.9018% | 2,917 |
| Assets per employee ($millions) | 3.9811% | 3,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4749% | 7,612 |
| Loan loss allowance to noncurrent loans | 100.6803% | 2,760 |
| Noncurrent assets plus other real estate owned to assets | 0.3692% | 6,554 |
| Noncurrent loans to loans | 0.4717% | 6,352 |
| Net loans and leases to total assets | 77.9157% | 1,172 |
| Net loans and leases to deposits | 94.8158% | 1,255 |
| Net loans and leases to core deposits | 99.3912% | 2,193 |
| Total domestic deposits to total assets | 82.1758% | 4,997 |
| Equity capital to assets | 16.3246% | 628 |
| Core capital (leverage) ratio | 16.2363% | 543 |
| Tier 1 risk-based capital ratio | 25.0300% | 858 |
| Total risk-based capital ratio | 25.6038% | 907 |
| Memoranda: | ||
| Average total assets | $39,800,500 | 7,093 |
| Average earning assets | $34,669,500 | 7,141 |
| Average equity | $6,439,000 | 6,369 |
| Average total loans | $31,147,500 | 6,564 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0825% | 1,566 |
| Cost of funding earning assets | 1.9082% | 3,422 |
| Net interest margin | 4.1743% | 2,153 |
| Noninterest income to average assets | 0.3920% | 5,276 |
| Noninterest expense to average assets | 4.1347% | 1,178 |
| Loan and lease loss provision to assets | 0.4741% | 3,988 |
| Net operating income to assets | -0.4344% | 6,113 |
| Return on assets (ROA) | -0.4344% | 6,112 |
| Pretax return on assets | -0.6013% | 6,094 |
| Return on Equity (ROE) | -2.5390% | 5,928 |
| Retained earnings to average equity (ytd only) | -2.5390% | 5,624 |
| Net charge-offs to loans | 1.3118% | 1,896 |
| Credit loss provision to net charge-offs | 47.6064% | 6,772 |
| Earnings coverage of net charge-offs (x) | -0.1277% | 6,361 |
| Efficiency ratio | 103.1725% | 973 |
| Assets per employee ($millions) | 3.9790% | 3,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4305% | 7,728 |
| Loan loss allowance to noncurrent loans | 68.7179% | 3,976 |
| Noncurrent assets plus other real estate owned to assets | 0.4901% | 6,225 |
| Noncurrent loans to loans | 0.6264% | 5,984 |
| Net loans and leases to total assets | 77.8939% | 1,409 |
| Net loans and leases to deposits | 94.7597% | 1,494 |
| Net loans and leases to core deposits | 102.4256% | 3,754 |
| Total domestic deposits to total assets | 82.2016% | 4,863 |
| Equity capital to assets | 16.0317% | 695 |
| Core capital (leverage) ratio | 15.9429% | 624 |
| Tier 1 risk-based capital ratio | 23.3605% | 1,004 |
| Total risk-based capital ratio | 23.8545% | 1,060 |
| Memoranda: | ||
| Average total assets | $37,753,200 | 7,178 |
| Average earning assets | $32,700,400 | 7,238 |
| Average equity | $6,459,200 | 6,441 |
| Average total loans | $28,662,400 | 6,712 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1003% | 1,655 |
| Cost of funding earning assets | 1.9327% | 3,701 |
| Net interest margin | 4.1676% | 2,158 |
| Noninterest income to average assets | 0.5084% | 4,418 |
| Noninterest expense to average assets | 4.1312% | 1,102 |
| Loan and lease loss provision to assets | 0.4260% | 3,771 |
| Net operating income to assets | -0.3222% | 6,230 |
| Return on assets (ROA) | -0.3222% | 6,245 |
| Pretax return on assets | -0.4439% | 6,243 |
| Return on Equity (ROE) | -1.8521% | 6,077 |
| Retained earnings to average equity (ytd only) | -1.8521% | 5,693 |
| Net charge-offs to loans | 1.6639% | 1,219 |
| Credit loss provision to net charge-offs | 34.0000% | 6,479 |
| Earnings coverage of net charge-offs (x) | -0.0143% | 6,084 |
| Efficiency ratio | 100.4352% | 1,041 |
| Assets per employee ($millions) | 4.0080% | 3,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3263% | 7,892 |
| Loan loss allowance to noncurrent loans | 62.8931% | 4,198 |
| Noncurrent assets plus other real estate owned to assets | 0.7161% | 5,695 |
| Noncurrent loans to loans | 0.5188% | 6,268 |
| Net loans and leases to total assets | 76.2176% | 1,953 |
| Net loans and leases to deposits | 92.7890% | 2,100 |
| Net loans and leases to core deposits | 112.7565% | 2,954 |
| Total domestic deposits to total assets | 82.1407% | 4,618 |
| Equity capital to assets | 16.1028% | 775 |
| Core capital (leverage) ratio | 16.0840% | 665 |
| Tier 1 risk-based capital ratio | 23.6679% | 1,039 |
| Total risk-based capital ratio | 24.0351% | 1,106 |
| Memoranda: | ||
| Average total assets | $37,244,000 | 7,263 |
| Average earning assets | $32,216,000 | 7,317 |
| Average equity | $6,479,250 | 6,492 |
| Average total loans | $28,046,000 | 6,791 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1138% | 1,745 |
| Cost of funding earning assets | 1.9549% | 3,980 |
| Net interest margin | 4.1589% | 2,129 |
| Noninterest income to average assets | 0.4794% | 4,634 |
| Noninterest expense to average assets | 4.2591% | 1,003 |
| Loan and lease loss provision to assets | 0.0496% | 6,737 |
| Net operating income to assets | -0.1818% | 6,157 |
| Return on assets (ROA) | -0.1818% | 6,182 |
| Pretax return on assets | -0.2424% | 6,171 |
| Return on Equity (ROE) | -1.0173% | 6,076 |
| Retained earnings to average equity (ytd only) | -1.0173% | 5,490 |
| Net charge-offs to loans | 2.2444% | 804 |
| Credit loss provision to net charge-offs | 2.9508% | 6,229 |
| Earnings coverage of net charge-offs (x) | -0.1148% | 5,810 |
| Efficiency ratio | 104.7425% | 1,006 |
| Assets per employee ($millions) | 3.3906% | 5,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1224% | 8,092 |
| Loan loss allowance to noncurrent loans | 18.4211% | 7,215 |
| Noncurrent assets plus other real estate owned to assets | 0.9062% | 5,164 |
| Noncurrent loans to loans | 0.6643% | 5,926 |
| Net loans and leases to total assets | 76.5879% | 2,039 |
| Net loans and leases to deposits | 94.9098% | 1,970 |
| Net loans and leases to core deposits | 118.1984% | 2,531 |
| Total domestic deposits to total assets | 80.6955% | 5,196 |
| Equity capital to assets | 17.4330% | 611 |
| Core capital (leverage) ratio | 17.3599% | 573 |
| Tier 1 risk-based capital ratio | 24.9672% | 943 |
| Total risk-based capital ratio | 25.1023% | 1,030 |
| Memoranda: | ||
| Average total assets | $36,298,670 | 7,369 |
| Average earning assets | $31,306,000 | 7,423 |
| Average equity | $6,487,670 | 6,538 |
| Average total loans | $27,178,670 | 6,899 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0937% | 1,966 |
| Cost of funding earning assets | 1.9837% | 4,215 |
| Net interest margin | 4.1100% | 2,241 |
| Noninterest income to average assets | 0.5363% | 4,013 |
| Noninterest expense to average assets | 4.2570% | 887 |
| Loan and lease loss provision to assets | 0.1006% | 5,680 |
| Net operating income to assets | -0.2235% | 6,590 |
| Return on assets (ROA) | -0.2235% | 6,665 |
| Pretax return on assets | -0.2793% | 6,653 |
| Return on Equity (ROE) | -1.2345% | 6,575 |
| Retained earnings to average equity (ytd only) | -1.2345% | 5,940 |
| Net charge-offs to loans | 0.1360% | 3,871 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | -1.7778% | 5,458 |
| Efficiency ratio | 104.3836% | 972 |
| Assets per employee ($millions) | 3.7233% | 4,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2457% | 4,481 |
| Loan loss allowance to noncurrent loans | 57.9216% | 4,729 |
| Noncurrent assets plus other real estate owned to assets | 1.7914% | 3,236 |
| Noncurrent loans to loans | 2.1507% | 3,050 |
| Net loans and leases to total assets | 72.3928% | 3,154 |
| Net loans and leases to deposits | 89.3641% | 3,038 |
| Net loans and leases to core deposits | 97.2472% | 4,821 |
| Total domestic deposits to total assets | 81.0088% | 4,965 |
| Equity capital to assets | 17.3663% | 683 |
| Core capital (leverage) ratio | 17.3663% | 612 |
| Tier 1 risk-based capital ratio | 25.0261% | 979 |
| Total risk-based capital ratio | 26.2763% | 955 |
| Memoranda: | ||
| Average total assets | $35,799,500 | 7,425 |
| Average earning assets | $30,851,500 | 7,482 |
| Average equity | $6,480,500 | 6,589 |
| Average total loans | $26,468,000 | 6,977 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3783% | 3,531 |
| Cost of funding earning assets | 2.4922% | 4,246 |
| Net interest margin | 3.8860% | 3,634 |
| Noninterest income to average assets | 0.5951% | 3,867 |
| Noninterest expense to average assets | 4.2873% | 1,062 |
| Loan and lease loss provision to assets | 0.8053% | 1,842 |
| Net operating income to assets | -0.7669% | 7,115 |
| Return on assets (ROA) | -0.7669% | 7,018 |
| Pretax return on assets | -1.1873% | 7,110 |
| Return on Equity (ROE) | -3.8410% | 6,722 |
| Retained earnings to average equity (ytd only) | -3.8410% | 6,287 |
| Net charge-offs to loans | -0.0041% | 7,773 |
| Credit loss provision to net charge-offs | -27,200.0000% | 7,557 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.7801% | 708 |
| Assets per employee ($millions) | 3.1242% | 5,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4117% | 3,130 |
| Loan loss allowance to noncurrent loans | 61.1486% | 4,942 |
| Noncurrent assets plus other real estate owned to assets | 2.0369% | 2,415 |
| Noncurrent loans to loans | 2.3087% | 2,397 |
| Net loans and leases to total assets | 73.5611% | 3,216 |
| Net loans and leases to deposits | 93.0061% | 2,956 |
| Net loans and leases to core deposits | 102.1910% | 4,586 |
| Total domestic deposits to total assets | 79.0927% | 5,344 |
| Equity capital to assets | 18.8995% | 556 |
| Core capital (leverage) ratio | 18.8995% | 521 |
| Tier 1 risk-based capital ratio | 26.9558% | 831 |
| Total risk-based capital ratio | 27.3293% | 874 |
| Memoranda: | ||
| Average total assets | $33,774,400 | 7,473 |
| Average earning assets | $28,769,600 | 7,573 |
| Average equity | $6,743,000 | 6,552 |
| Average total loans | $24,644,200 | 7,048 |