Home > Paramount Bank > Performance and Condition Ratios
Paramount Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8145% | 815 |
| Cost of funding earning assets | 3.3992% | 87 |
| Net interest margin | 2.4153% | 4,174 |
| Noninterest income to average assets | 4.4800% | 133 |
| Noninterest expense to average assets | 11.4584% | 105 |
| Loan and lease loss provision to assets | -0.0900% | 4,508 |
| Net operating income to assets | -3.5488% | 4,585 |
| Return on assets (ROA) | -3.5488% | 4,581 |
| Pretax return on assets | -4.7318% | 4,586 |
| Return on Equity (ROE) | -31.7800% | 4,563 |
| Retained earnings to average equity (ytd only) | -31.7819% | 4,545 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 172.7045% | 24 |
| Assets per employee ($millions) | 1.0869% | 4,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1770% | 2,426 |
| Loan loss allowance to noncurrent loans | 1,516.3934% | 664 |
| Noncurrent assets plus other real estate owned to assets | 1.1632% | 383 |
| Noncurrent loans to loans | 0.0776% | 3,163 |
| Net loans and leases to total assets | 82.1300% | 419 |
| Net loans and leases to deposits | 95.8199% | 802 |
| Net loans and leases to core deposits | 164.1764% | 136 |
| Total domestic deposits to total assets | 85.7100% | 2,103 |
| Equity capital to assets | 10.3434% | 1,819 |
| Core capital (leverage) ratio | 6.2535% | 4,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 9.3720% | 2,892 |
| Memoranda: | ||
| Average total assets | $90,283,000 | 3,910 |
| Average earning assets | $80,694,800 | 3,923 |
| Average equity | $10,081,200 | 3,710 |
| Average total loans | $73,460,200 | 3,503 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7133% | 773 |
| Cost of funding earning assets | 3.2327% | 92 |
| Net interest margin | 2.4806% | 4,164 |
| Noninterest income to average assets | 4.1700% | 150 |
| Noninterest expense to average assets | 10.3913% | 109 |
| Loan and lease loss provision to assets | -0.1400% | 4,565 |
| Net operating income to assets | -2.9038% | 4,607 |
| Return on assets (ROA) | -2.9038% | 4,606 |
| Pretax return on assets | -3.8678% | 4,608 |
| Return on Equity (ROE) | -25.5100% | 4,585 |
| Retained earnings to average equity (ytd only) | -25.5075% | 4,567 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 162.8719% | 31 |
| Assets per employee ($millions) | 1.1856% | 4,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3298% | 1,741 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 1.2171% | 366 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 80.1400% | 627 |
| Net loans and leases to deposits | 91.1200% | 1,133 |
| Net loans and leases to core deposits | 129.1621% | 354 |
| Total domestic deposits to total assets | 87.9500% | 1,595 |
| Equity capital to assets | 11.1590% | 1,286 |
| Core capital (leverage) ratio | 6.3978% | 4,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1574% | 2,794 |
| Memoranda: | ||
| Average total assets | $89,213,000 | 3,936 |
| Average earning assets | $79,601,250 | 3,951 |
| Average equity | $10,156,250 | 3,710 |
| Average total loans | $72,178,500 | 3,526 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3986% | 957 |
| Cost of funding earning assets | 2.9134% | 99 |
| Net interest margin | 2.4852% | 4,220 |
| Noninterest income to average assets | 3.4800% | 162 |
| Noninterest expense to average assets | 9.1673% | 117 |
| Loan and lease loss provision to assets | -0.2100% | 4,613 |
| Net operating income to assets | -2.4510% | 4,629 |
| Return on assets (ROA) | -2.4510% | 4,629 |
| Pretax return on assets | -3.2598% | 4,635 |
| Return on Equity (ROE) | -21.4000% | 4,612 |
| Retained earnings to average equity (ytd only) | -21.3962% | 4,581 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 160.9624% | 33 |
| Assets per employee ($millions) | 2.1488% | 4,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2493% | 2,176 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 1.1513% | 367 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 80.7500% | 550 |
| Net loans and leases to deposits | 112.5023% | 167 |
| Net loans and leases to core deposits | 144.5209% | 178 |
| Total domestic deposits to total assets | 71.7800% | 4,302 |
| Equity capital to assets | 10.9176% | 1,421 |
| Core capital (leverage) ratio | 7.3507% | 4,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5654% | 2,745 |
| Memoranda: | ||
| Average total assets | $90,495,333 | 3,936 |
| Average earning assets | $80,798,667 | 3,958 |
| Average equity | $10,366,333 | 3,691 |
| Average total loans | $73,126,667 | 3,517 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1053% | 1,083 |
| Cost of funding earning assets | 2.7202% | 66 |
| Net interest margin | 2.3851% | 4,392 |
| Noninterest income to average assets | 3.6800% | 156 |
| Noninterest expense to average assets | 8.7355% | 126 |
| Loan and lease loss provision to assets | -0.4200% | 4,653 |
| Net operating income to assets | -1.8804% | 4,645 |
| Return on assets (ROA) | -1.8804% | 4,640 |
| Pretax return on assets | -2.4940% | 4,644 |
| Return on Equity (ROE) | -16.0400% | 4,623 |
| Retained earnings to average equity (ytd only) | -16.0407% | 4,560 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 150.1517% | 41 |
| Assets per employee ($millions) | 1.7342% | 4,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3256% | 1,917 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 1.1982% | 304 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 79.1500% | 626 |
| Net loans and leases to deposits | 104.9209% | 284 |
| Net loans and leases to core deposits | 133.2984% | 243 |
| Total domestic deposits to total assets | 75.4400% | 4,195 |
| Equity capital to assets | 11.9836% | 1,004 |
| Core capital (leverage) ratio | 8.3570% | 4,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $90,618,500 | 3,987 |
| Average earning assets | $81,170,000 | 4,005 |
| Average equity | $10,623,000 | 3,709 |
| Average total loans | $72,789,500 | 3,560 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4899% | 3,103 |
| Cost of funding earning assets | 0.9045% | 249 |
| Net interest margin | 2.5854% | 4,197 |
| Noninterest income to average assets | 7.8600% | 111 |
| Noninterest expense to average assets | 14.8962% | 80 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | -3.6050% | 4,702 |
| Return on assets (ROA) | -3.6050% | 4,701 |
| Pretax return on assets | -4.8118% | 4,706 |
| Return on Equity (ROE) | -28.3300% | 4,698 |
| Retained earnings to average equity (ytd only) | -49.6273% | 4,719 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 145.9768% | 41 |
| Assets per employee ($millions) | 2.0549% | 4,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4088% | 1,467 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 1.0992% | 379 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 79.2900% | 670 |
| Net loans and leases to deposits | 109.2643% | 170 |
| Net loans and leases to core deposits | 136.9562% | 162 |
| Total domestic deposits to total assets | 72.5700% | 4,411 |
| Equity capital to assets | 11.4835% | 1,091 |
| Core capital (leverage) ratio | 8.5262% | 4,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $110,706,000 | 3,827 |
| Average earning assets | $100,604,600 | 3,833 |
| Average equity | $14,087,000 | 3,455 |
| Average total loans | $71,223,200 | 3,561 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0278% | 3,838 |
| Cost of funding earning assets | 0.6025% | 433 |
| Net interest margin | 2.4253% | 4,290 |
| Noninterest income to average assets | 9.2100% | 105 |
| Noninterest expense to average assets | 16.1331% | 81 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | -3.5276% | 4,746 |
| Return on assets (ROA) | -3.5276% | 4,745 |
| Pretax return on assets | -4.7115% | 4,749 |
| Return on Equity (ROE) | -27.1800% | 4,734 |
| Retained earnings to average equity (ytd only) | -54.0302% | 4,755 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 141.2513% | 46 |
| Assets per employee ($millions) | 1.2685% | 4,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3036% | 2,012 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 1.1536% | 373 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 78.8500% | 629 |
| Net loans and leases to deposits | 101.9115% | 306 |
| Net loans and leases to core deposits | 114.0158% | 363 |
| Total domestic deposits to total assets | 77.3700% | 4,300 |
| Equity capital to assets | 13.1140% | 662 |
| Core capital (leverage) ratio | 10.5497% | 2,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $114,750,750 | 3,804 |
| Average earning assets | $104,452,000 | 3,812 |
| Average equity | $14,895,000 | 3,416 |
| Average total loans | $70,023,250 | 3,590 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6624% | 4,196 |
| Cost of funding earning assets | 0.5151% | 478 |
| Net interest margin | 2.1473% | 4,488 |
| Noninterest income to average assets | 9.9496% | 59 |
| Noninterest expense to average assets | 15.9539% | 45 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -3.0233% | 4,747 |
| Return on assets (ROA) | -3.0233% | 4,745 |
| Pretax return on assets | -4.0381% | 4,751 |
| Return on Equity (ROE) | -23.3499% | 4,753 |
| Retained earnings to average equity (ytd only) | -61.0312% | 4,760 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.8884% | 54 |
| Assets per employee ($millions) | 1.1065% | 4,730 |
| Cash dividends to net income (ytd only)* | -161.3771% | 4,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3826% | 1,826 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1179% | 400 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 71.9856% | 1,101 |
| Net loans and leases to deposits | 86.2559% | 950 |
| Net loans and leases to core deposits | 100.4926% | 653 |
| Total domestic deposits to total assets | 83.4558% | 3,795 |
| Equity capital to assets | 14.0072% | 512 |
| Core capital (leverage) ratio | 9.8840% | 2,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $122,979,667 | 3,775 |
| Average earning assets | $112,604,000 | 3,778 |
| Average equity | $15,923,000 | 3,411 |
| Average total loans | $69,379,333 | 3,630 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2611% | 4,488 |
| Cost of funding earning assets | 0.5206% | 448 |
| Net interest margin | 1.7405% | 4,634 |
| Noninterest income to average assets | 9.4872% | 64 |
| Noninterest expense to average assets | 15.4525% | 44 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -3.2609% | 4,775 |
| Return on assets (ROA) | -3.2609% | 4,774 |
| Pretax return on assets | -4.3566% | 4,779 |
| Return on Equity (ROE) | -25.8993% | 4,780 |
| Retained earnings to average equity (ytd only) | -25.8993% | 4,735 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 139.2633% | 54 |
| Assets per employee ($millions) | 1.0164% | 4,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4440% | 1,741 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8448% | 639 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 52.0572% | 2,984 |
| Net loans and leases to deposits | 63.4805% | 2,578 |
| Net loans and leases to core deposits | 76.3266% | 1,762 |
| Total domestic deposits to total assets | 82.0050% | 4,074 |
| Equity capital to assets | 13.6676% | 576 |
| Core capital (leverage) ratio | 10.6878% | 1,701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $137,997,000 | 3,639 |
| Average earning assets | $127,547,500 | 3,643 |
| Average equity | $17,375,000 | 3,368 |
| Average total loans | $70,146,500 | 3,614 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3256% | 4,576 |
| Cost of funding earning assets | 0.6860% | 346 |
| Net interest margin | 1.6396% | 4,702 |
| Noninterest income to average assets | 19.0639% | 41 |
| Noninterest expense to average assets | 23.4295% | 34 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | -2.0457% | 4,815 |
| Return on assets (ROA) | -2.0457% | 4,814 |
| Pretax return on assets | -2.8432% | 4,818 |
| Return on Equity (ROE) | -22.3747% | 4,828 |
| Retained earnings to average equity (ytd only) | -22.3747% | 4,815 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.8110% | 81 |
| Assets per employee ($millions) | 1.1419% | 4,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2451% | 2,644 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6862% | 932 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 48.6210% | 3,441 |
| Net loans and leases to deposits | 58.5064% | 3,203 |
| Net loans and leases to core deposits | 71.3306% | 2,315 |
| Total domestic deposits to total assets | 83.1037% | 3,785 |
| Equity capital to assets | 11.7254% | 1,380 |
| Core capital (leverage) ratio | 9.8601% | 2,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $208,147,800 | 3,003 |
| Average earning assets | $193,283,200 | 3,006 |
| Average equity | $19,030,400 | 3,296 |
| Average total loans | $133,917,400 | 2,799 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3476% | 4,657 |
| Cost of funding earning assets | 0.7186% | 346 |
| Net interest margin | 1.6290% | 4,787 |
| Noninterest income to average assets | 20.0891% | 39 |
| Noninterest expense to average assets | 23.8073% | 34 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | -1.5746% | 4,881 |
| Return on assets (ROA) | -1.5746% | 4,881 |
| Pretax return on assets | -2.2078% | 4,888 |
| Return on Equity (ROE) | -18.1040% | 4,897 |
| Retained earnings to average equity (ytd only) | -18.1040% | 4,877 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.2217% | 101 |
| Assets per employee ($millions) | 1.1845% | 4,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9025% | 4,144 |
| Loan loss allowance to noncurrent loans | 46.3897% | 3,988 |
| Noncurrent assets plus other real estate owned to assets | 1.6950% | 261 |
| Noncurrent loans to loans | 1.9455% | 460 |
| Net loans and leases to total assets | 56.8298% | 2,634 |
| Net loans and leases to deposits | 69.1323% | 2,320 |
| Net loans and leases to core deposits | 83.6536% | 1,455 |
| Total domestic deposits to total assets | 82.2044% | 3,885 |
| Equity capital to assets | 10.8058% | 2,160 |
| Core capital (leverage) ratio | 9.9809% | 2,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $221,932,250 | 2,926 |
| Average earning assets | $205,765,750 | 2,935 |
| Average equity | $19,302,750 | 3,313 |
| Average total loans | $148,563,500 | 2,687 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4266% | 4,663 |
| Cost of funding earning assets | 0.7705% | 331 |
| Net interest margin | 1.6560% | 4,816 |
| Noninterest income to average assets | 20.5429% | 40 |
| Noninterest expense to average assets | 25.5663% | 31 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -2.5368% | 4,926 |
| Return on assets (ROA) | -2.5368% | 4,926 |
| Pretax return on assets | -3.4939% | 4,932 |
| Return on Equity (ROE) | -31.1000% | 4,937 |
| Retained earnings to average equity (ytd only) | -31.1000% | 4,923 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.8292% | 89 |
| Assets per employee ($millions) | 1.1981% | 4,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7143% | 4,512 |
| Loan loss allowance to noncurrent loans | 1,537.7049% | 524 |
| Noncurrent assets plus other real estate owned to assets | 0.4933% | 1,697 |
| Noncurrent loans to loans | 0.0465% | 3,948 |
| Net loans and leases to total assets | 57.8826% | 2,681 |
| Net loans and leases to deposits | 67.6735% | 2,649 |
| Net loans and leases to core deposits | 82.1786% | 1,709 |
| Total domestic deposits to total assets | 85.5321% | 2,901 |
| Equity capital to assets | 8.5337% | 4,176 |
| Core capital (leverage) ratio | 7.8527% | 4,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $235,497,667 | 2,839 |
| Average earning assets | $217,509,333 | 2,852 |
| Average equity | $19,209,000 | 3,317 |
| Average total loans | $163,440,000 | 2,571 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2148% | 4,786 |
| Cost of funding earning assets | 0.7954% | 360 |
| Net interest margin | 1.4193% | 4,885 |
| Noninterest income to average assets | 21.7793% | 38 |
| Noninterest expense to average assets | 22.9581% | 32 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.1829% | 4,647 |
| Return on assets (ROA) | 0.1829% | 4,672 |
| Pretax return on assets | 0.1147% | 4,720 |
| Return on Equity (ROE) | 2.2953% | 4,573 |
| Retained earnings to average equity (ytd only) | 2.2953% | 3,952 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.5028% | 197 |
| Assets per employee ($millions) | 1.3443% | 4,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5621% | 4,726 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4315% | 2,104 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 68.1984% | 1,503 |
| Net loans and leases to deposits | 80.1866% | 1,504 |
| Net loans and leases to core deposits | 99.1000% | 755 |
| Total domestic deposits to total assets | 85.0496% | 3,073 |
| Equity capital to assets | 7.9012% | 4,544 |
| Core capital (leverage) ratio | 8.4370% | 4,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $240,595,000 | 2,793 |
| Average earning assets | $219,257,000 | 2,826 |
| Average equity | $19,170,000 | 3,313 |
| Average total loans | $179,504,500 | 2,440 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9206% | 4,693 |
| Cost of funding earning assets | 1.5381% | 70 |
| Net interest margin | 1.3825% | 4,926 |
| Noninterest income to average assets | 25.9134% | 36 |
| Noninterest expense to average assets | 20.1632% | 37 |
| Loan and lease loss provision to assets | 0.3591% | 944 |
| Net operating income to assets | 4.9418% | 42 |
| Return on assets (ROA) | 4.9418% | 41 |
| Pretax return on assets | 6.6451% | 37 |
| Return on Equity (ROE) | 62.3011% | 14 |
| Retained earnings to average equity (ytd only) | 62.3011% | 4 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2181% | 1,414 |
| Assets per employee ($millions) | 1.3830% | 4,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4882% | 4,799 |
| Loan loss allowance to noncurrent loans | 448.8038% | 1,253 |
| Noncurrent assets plus other real estate owned to assets | 0.7563% | 1,362 |
| Noncurrent loans to loans | 0.1088% | 3,856 |
| Net loans and leases to total assets | 80.3768% | 401 |
| Net loans and leases to deposits | 125.1761% | 53 |
| Net loans and leases to core deposits | 170.6419% | 59 |
| Total domestic deposits to total assets | 64.2110% | 4,880 |
| Equity capital to assets | 8.0358% | 4,692 |
| Core capital (leverage) ratio | 8.5376% | 4,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $174,307,800 | 3,159 |
| Average earning assets | $158,117,000 | 3,184 |
| Average equity | $13,826,400 | 3,784 |
| Average total loans | $143,362,400 | 2,716 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0130% | 4,724 |
| Cost of funding earning assets | 1.6012% | 76 |
| Net interest margin | 1.4117% | 4,973 |
| Noninterest income to average assets | 29.0972% | 33 |
| Noninterest expense to average assets | 21.5713% | 36 |
| Loan and lease loss provision to assets | 0.3585% | 1,045 |
| Net operating income to assets | 6.2879% | 36 |
| Return on assets (ROA) | 6.2879% | 35 |
| Pretax return on assets | 8.4526% | 29 |
| Return on Equity (ROE) | 79.6616% | 8 |
| Retained earnings to average equity (ytd only) | 79.6616% | 2 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9992% | 1,752 |
| Assets per employee ($millions) | 1.4022% | 4,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4144% | 4,874 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7316% | 1,597 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 81.6044% | 469 |
| Net loans and leases to deposits | 132.7279% | 46 |
| Net loans and leases to core deposits | 216.1126% | 31 |
| Total domestic deposits to total assets | 61.4825% | 4,915 |
| Equity capital to assets | 8.0392% | 4,698 |
| Core capital (leverage) ratio | 8.2191% | 4,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $158,416,750 | 3,288 |
| Average earning assets | $144,217,500 | 3,320 |
| Average equity | $12,504,250 | 3,919 |
| Average total loans | $131,170,000 | 2,857 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0389% | 4,822 |
| Cost of funding earning assets | 1.5904% | 120 |
| Net interest margin | 1.4484% | 5,014 |
| Noninterest income to average assets | 23.8814% | 37 |
| Noninterest expense to average assets | 20.5783% | 36 |
| Loan and lease loss provision to assets | 0.3978% | 1,021 |
| Net operating income to assets | 3.1417% | 77 |
| Return on assets (ROA) | 3.1417% | 80 |
| Pretax return on assets | 4.2284% | 57 |
| Return on Equity (ROE) | 40.1905% | 32 |
| Retained earnings to average equity (ytd only) | 40.1905% | 14 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6456% | 781 |
| Assets per employee ($millions) | 1.2974% | 5,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4079% | 4,904 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1620% | 949 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 83.8357% | 266 |
| Net loans and leases to deposits | 143.2983% | 30 |
| Net loans and leases to core deposits | 215.1117% | 31 |
| Total domestic deposits to total assets | 58.5043% | 4,973 |
| Equity capital to assets | 7.1128% | 4,956 |
| Core capital (leverage) ratio | 8.2626% | 4,583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $138,777,333 | 3,494 |
| Average earning assets | $126,756,667 | 3,513 |
| Average equity | $10,848,333 | 4,107 |
| Average total loans | $115,529,000 | 3,028 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2523% | 4,841 |
| Cost of funding earning assets | 1.5941% | 195 |
| Net interest margin | 1.6583% | 5,061 |
| Noninterest income to average assets | 20.0067% | 36 |
| Noninterest expense to average assets | 19.3930% | 41 |
| Loan and lease loss provision to assets | 0.4505% | 674 |
| Net operating income to assets | 1.2535% | 1,370 |
| Return on assets (ROA) | 1.2535% | 1,474 |
| Pretax return on assets | 1.6811% | 887 |
| Return on Equity (ROE) | 15.0854% | 537 |
| Retained earnings to average equity (ytd only) | 15.0854% | 186 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0971% | 493 |
| Assets per employee ($millions) | 1.0669% | 5,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3900% | 4,953 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4131% | 785 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 81.6208% | 480 |
| Net loans and leases to deposits | 157.8481% | 9 |
| Net loans and leases to core deposits | 210.6146% | 34 |
| Total domestic deposits to total assets | 51.7085% | 5,066 |
| Equity capital to assets | 7.3664% | 5,044 |
| Core capital (leverage) ratio | 10.1981% | 3,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $122,539,000 | 3,672 |
| Average earning assets | $112,166,000 | 3,680 |
| Average equity | $10,182,000 | 4,221 |
| Average total loans | $101,213,500 | 3,209 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3575% | 3,374 |
| Cost of funding earning assets | 2.4552% | 10 |
| Net interest margin | 1.9023% | 5,104 |
| Noninterest income to average assets | 19.9534% | 36 |
| Noninterest expense to average assets | 20.9980% | 36 |
| Loan and lease loss provision to assets | 0.1875% | 1,096 |
| Net operating income to assets | 0.3385% | 4,699 |
| Return on assets (ROA) | 0.3385% | 4,725 |
| Pretax return on assets | 0.4870% | 4,598 |
| Return on Equity (ROE) | 3.0378% | 4,656 |
| Retained earnings to average equity (ytd only) | 3.0378% | 3,508 |
| Net charge-offs to loans | -0.0015% | 4,203 |
| Credit loss provision to net charge-offs | -14,900.0000% | 4,712 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.8875% | 195 |
| Assets per employee ($millions) | 0.7092% | 5,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3585% | 5,013 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.9089% | 430 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 83.1847% | 405 |
| Net loans and leases to deposits | 145.1964% | 15 |
| Net loans and leases to core deposits | 229.7827% | 33 |
| Total domestic deposits to total assets | 57.2911% | 5,100 |
| Equity capital to assets | 9.5827% | 4,284 |
| Core capital (leverage) ratio | 8.9171% | 4,585 |
| Tier 1 risk-based capital ratio | 18.1350% | 1,733 |
| Total risk-based capital ratio | 18.7411% | 1,850 |
| Memoranda: | ||
| Average total assets | $79,460,000 | 4,297 |
| Average earning assets | $71,807,800 | 4,316 |
| Average equity | $8,855,000 | 4,398 |
| Average total loans | $65,752,200 | 3,864 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3159% | 3,613 |
| Cost of funding earning assets | 2.2581% | 19 |
| Net interest margin | 2.0578% | 5,174 |
| Noninterest income to average assets | 18.0843% | 37 |
| Noninterest expense to average assets | 19.6567% | 38 |
| Loan and lease loss provision to assets | 0.2038% | 865 |
| Net operating income to assets | 0.0655% | 5,040 |
| Return on assets (ROA) | 0.0655% | 5,056 |
| Pretax return on assets | 0.0746% | 5,051 |
| Return on Equity (ROE) | 0.5600% | 5,046 |
| Retained earnings to average equity (ytd only) | 0.5600% | 4,652 |
| Net charge-offs to loans | -0.0022% | 4,066 |
| Credit loss provision to net charge-offs | -11,200.0000% | 4,684 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.6032% | 167 |
| Assets per employee ($millions) | 0.9456% | 5,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2601% | 5,137 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.5706% | 675 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 82.9115% | 463 |
| Net loans and leases to deposits | 185.9740% | 7 |
| Net loans and leases to core deposits | 303.8937% | 22 |
| Total domestic deposits to total assets | 44.5823% | 5,215 |
| Equity capital to assets | 7.6019% | 5,184 |
| Core capital (leverage) ratio | 9.7792% | 3,881 |
| Tier 1 risk-based capital ratio | 14.3281% | 3,164 |
| Total risk-based capital ratio | 14.7671% | 3,471 |
| Memoranda: | ||
| Average total assets | $73,262,500 | 4,437 |
| Average earning assets | $65,894,750 | 4,461 |
| Average equity | $8,571,250 | 4,486 |
| Average total loans | $60,432,250 | 4,022 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8463% | 1,917 |
| Cost of funding earning assets | 2.0452% | 46 |
| Net interest margin | 2.8011% | 4,928 |
| Noninterest income to average assets | 16.8048% | 38 |
| Noninterest expense to average assets | 19.7661% | 37 |
| Loan and lease loss provision to assets | 0.2705% | 558 |
| Net operating income to assets | -0.5879% | 5,195 |
| Return on assets (ROA) | -0.5879% | 5,202 |
| Pretax return on assets | -0.7322% | 5,208 |
| Return on Equity (ROE) | -3.9671% | 5,194 |
| Retained earnings to average equity (ytd only) | -3.9671% | 5,015 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.3916% | 142 |
| Assets per employee ($millions) | 0.8582% | 5,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3424% | 5,148 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.3660% | 325 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 82.0077% | 613 |
| Net loans and leases to deposits | 188.8846% | 9 |
| Net loans and leases to core deposits | 220.0581% | 41 |
| Total domestic deposits to total assets | 43.4168% | 5,260 |
| Equity capital to assets | 11.2153% | 2,841 |
| Core capital (leverage) ratio | 14.5288% | 816 |
| Tier 1 risk-based capital ratio | 19.4161% | 1,455 |
| Total risk-based capital ratio | 19.9381% | 1,587 |
| Memoranda: | ||
| Average total assets | $55,448,330 | 4,762 |
| Average earning assets | $49,480,670 | 4,781 |
| Average equity | $8,217,670 | 4,552 |
| Average total loans | $45,467,330 | 4,359 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5259% | 500 |
| Cost of funding earning assets | 1.7714% | 113 |
| Net interest margin | 3.7545% | 2,694 |
| Noninterest income to average assets | 10.0879% | 55 |
| Noninterest expense to average assets | 16.1484% | 43 |
| Loan and lease loss provision to assets | 0.3599% | 327 |
| Net operating income to assets | -2.5098% | 5,327 |
| Return on assets (ROA) | -2.5098% | 5,327 |
| Pretax return on assets | -3.1421% | 5,329 |
| Return on Equity (ROE) | -13.5611% | 5,311 |
| Retained earnings to average equity (ytd only) | -13.5611% | 5,184 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.8151% | 74 |
| Assets per employee ($millions) | 1.1260% | 5,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5192% | 5,060 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 4.3104% | 99 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 82.5915% | 516 |
| Net loans and leases to deposits | 118.7481% | 94 |
| Net loans and leases to core deposits | 127.2782% | 354 |
| Total domestic deposits to total assets | 69.5518% | 5,123 |
| Equity capital to assets | 16.5291% | 494 |
| Core capital (leverage) ratio | 17.3666% | 388 |
| Tier 1 risk-based capital ratio | 26.6544% | 644 |
| Total risk-based capital ratio | 27.4148% | 659 |
| Memoranda: | ||
| Average total assets | $41,118,500 | 5,040 |
| Average earning assets | $35,903,500 | 5,062 |
| Average equity | $7,610,000 | 4,667 |
| Average total loans | $33,595,000 | 4,712 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2933% | 588 |
| Cost of funding earning assets | 1.1406% | 432 |
| Net interest margin | 4.1527% | 1,523 |
| Noninterest income to average assets | 4.7226% | 99 |
| Noninterest expense to average assets | 7.4176% | 101 |
| Loan and lease loss provision to assets | 0.4826% | 249 |
| Net operating income to assets | 0.2527% | 5,057 |
| Return on assets (ROA) | 0.2527% | 5,051 |
| Pretax return on assets | 0.3369% | 5,014 |
| Return on Equity (ROE) | 1.0374% | 5,160 |
| Retained earnings to average equity (ytd only) | 1.0374% | 4,698 |
| Net charge-offs to loans | -0.0606% | 5,031 |
| Credit loss provision to net charge-offs | -1,146.1538% | 4,754 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0511% | 342 |
| Assets per employee ($millions) | 2.7729% | 5,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5613% | 5,040 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 5.5204% | 60 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 79.6133% | 993 |
| Net loans and leases to deposits | 112.8771% | 184 |
| Net loans and leases to core deposits | 123.2404% | 462 |
| Total domestic deposits to total assets | 70.5310% | 5,140 |
| Equity capital to assets | 20.9027% | 192 |
| Core capital (leverage) ratio | 20.8346% | 204 |
| Tier 1 risk-based capital ratio | 30.7841% | 437 |
| Total risk-based capital ratio | 31.5138% | 453 |
| Memoranda: | ||
| Average total assets | $30,872,600 | 5,228 |
| Average earning assets | $26,127,600 | 5,245 |
| Average equity | $7,518,600 | 4,677 |
| Average total loans | $21,465,200 | 5,041 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2697% | 548 |
| Cost of funding earning assets | 1.0260% | 531 |
| Net interest margin | 4.2437% | 1,250 |
| Noninterest income to average assets | 5.0680% | 94 |
| Noninterest expense to average assets | 7.4036% | 103 |
| Loan and lease loss provision to assets | 0.5109% | 217 |
| Net operating income to assets | 0.5657% | 4,601 |
| Return on assets (ROA) | 0.5657% | 4,607 |
| Pretax return on assets | 0.7572% | 4,409 |
| Return on Equity (ROE) | 2.3078% | 5,095 |
| Retained earnings to average equity (ytd only) | 2.3078% | 4,467 |
| Net charge-offs to loans | -0.0877% | 5,129 |
| Credit loss provision to net charge-offs | -861.5385% | 4,602 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3761% | 552 |
| Assets per employee ($millions) | 3.0145% | 5,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5862% | 5,066 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 6.0012% | 55 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 63.9264% | 3,437 |
| Net loans and leases to deposits | 94.7481% | 1,292 |
| Net loans and leases to core deposits | 104.6970% | 1,402 |
| Total domestic deposits to total assets | 67.4698% | 5,293 |
| Equity capital to assets | 22.8619% | 146 |
| Core capital (leverage) ratio | 22.0354% | 164 |
| Tier 1 risk-based capital ratio | 34.5258% | 333 |
| Total risk-based capital ratio | 35.1530% | 341 |
| Memoranda: | ||
| Average total assets | $29,228,250 | 5,320 |
| Average earning assets | $24,820,500 | 5,337 |
| Average equity | $7,164,000 | 4,771 |
| Average total loans | $19,765,250 | 5,143 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1842% | 567 |
| Cost of funding earning assets | 0.8528% | 901 |
| Net interest margin | 4.3314% | 976 |
| Noninterest income to average assets | 4.5133% | 103 |
| Noninterest expense to average assets | 6.9992% | 112 |
| Loan and lease loss provision to assets | 0.5373% | 204 |
| Net operating income to assets | 0.6519% | 4,341 |
| Return on assets (ROA) | 0.6519% | 4,350 |
| Pretax return on assets | 0.6519% | 4,636 |
| Return on Equity (ROE) | 2.5907% | 5,083 |
| Retained earnings to average equity (ytd only) | 2.5907% | 4,219 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4768% | 598 |
| Assets per employee ($millions) | 2.8131% | 5,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3570% | 5,391 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 6.3857% | 49 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 67.6512% | 2,921 |
| Net loans and leases to deposits | 104.5341% | 504 |
| Net loans and leases to core deposits | 104.5341% | 1,350 |
| Total domestic deposits to total assets | 64.7169% | 5,402 |
| Equity capital to assets | 24.3925% | 118 |
| Core capital (leverage) ratio | 24.8864% | 106 |
| Tier 1 risk-based capital ratio | 36.5539% | 287 |
| Total risk-based capital ratio | 36.9542% | 309 |
| Memoranda: | ||
| Average total assets | $27,917,670 | 5,400 |
| Average earning assets | $23,687,330 | 5,406 |
| Average equity | $7,025,000 | 4,841 |
| Average total loans | $19,246,000 | 5,213 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4826% | 1,918 |
| Cost of funding earning assets | 0.6024% | 2,044 |
| Net interest margin | 3.8802% | 2,120 |
| Noninterest income to average assets | 2.7420% | 174 |
| Noninterest expense to average assets | 5.8626% | 145 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.1969% | 5,244 |
| Return on assets (ROA) | 0.1969% | 5,244 |
| Pretax return on assets | 0.1969% | 5,263 |
| Return on Equity (ROE) | 0.7688% | 5,326 |
| Retained earnings to average equity (ytd only) | 0.7688% | 4,672 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7500% | 234 |
| Assets per employee ($millions) | 2.3893% | 5,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4640% | 1,599 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 6.8920% | 50 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 69.9557% | 2,494 |
| Net loans and leases to deposits | 125.1998% | 65 |
| Net loans and leases to core deposits | 125.1998% | 442 |
| Total domestic deposits to total assets | 55.8753% | 5,541 |
| Equity capital to assets | 23.6127% | 129 |
| Core capital (leverage) ratio | 27.0854% | 88 |
| Tier 1 risk-based capital ratio | 39.3170% | 236 |
| Total risk-based capital ratio | 40.5657% | 231 |
| Memoranda: | ||
| Average total assets | $26,404,500 | 5,474 |
| Average earning assets | $22,576,000 | 5,479 |
| Average equity | $6,763,500 | 4,936 |
| Average total loans | $18,364,500 | 5,290 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9447% | 715 |
| Cost of funding earning assets | 0.5978% | 1,610 |
| Net interest margin | 4.3470% | 865 |
| Noninterest income to average assets | 0.2182% | 4,844 |
| Noninterest expense to average assets | 4.4977% | 316 |
| Loan and lease loss provision to assets | -0.4196% | 5,637 |
| Net operating income to assets | -0.3818% | 5,497 |
| Return on assets (ROA) | -0.3818% | 5,496 |
| Pretax return on assets | -0.3818% | 5,529 |
| Return on Equity (ROE) | -3.2313% | 5,492 |
| Retained earnings to average equity (ytd only) | -3.2313% | 5,354 |
| Net charge-offs to loans | 0.0404% | 2,980 |
| Credit loss provision to net charge-offs | -1,428.5714% | 5,115 |
| Earnings coverage of net charge-offs (x) | -27.2857% | 4,112 |
| Efficiency ratio | 121.6799% | 62 |
| Assets per employee ($millions) | 3.4483% | 4,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8200% | 754 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 8.1863% | 34 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 66.6004% | 3,017 |
| Net loans and leases to deposits | 92.6998% | 1,423 |
| Net loans and leases to core deposits | 92.6998% | 2,305 |
| Total domestic deposits to total assets | 71.8452% | 5,328 |
| Equity capital to assets | 27.9932% | 73 |
| Core capital (leverage) ratio | 28.7936% | 69 |
| Tier 1 risk-based capital ratio | 41.2062% | 198 |
| Total risk-based capital ratio | 42.4564% | 196 |
| Memoranda: | ||
| Average total assets | $23,834,400 | 5,560 |
| Average earning assets | $19,070,800 | 5,580 |
| Average equity | $2,816,200 | 5,544 |
| Average total loans | $17,331,800 | 5,376 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0227% | 584 |
| Cost of funding earning assets | 0.6403% | 1,303 |
| Net interest margin | 4.3824% | 756 |
| Noninterest income to average assets | 0.1123% | 5,437 |
| Noninterest expense to average assets | 4.5625% | 303 |
| Loan and lease loss provision to assets | -0.5612% | 5,716 |
| Net operating income to assets | -0.4321% | 5,624 |
| Return on assets (ROA) | -0.4321% | 5,624 |
| Pretax return on assets | -0.4321% | 5,618 |
| Return on Equity (ROE) | -5.6068% | 5,638 |
| Retained earnings to average equity (ytd only) | -5.6068% | 5,554 |
| Net charge-offs to loans | 0.0531% | 2,381 |
| Credit loss provision to net charge-offs | -1,428.5714% | 5,007 |
| Earnings coverage of net charge-offs (x) | -25.2937% | 3,780 |
| Efficiency ratio | 127.8302% | 50 |
| Assets per employee ($millions) | 3.0521% | 5,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8612% | 763 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 9.2488% | 28 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 73.5455% | 1,987 |
| Net loans and leases to deposits | 80.5423% | 2,915 |
| Net loans and leases to core deposits | 80.5423% | 3,407 |
| Total domestic deposits to total assets | 91.3129% | 128 |
| Equity capital to assets | 8.2893% | 5,398 |
| Core capital (leverage) ratio | 8.1343% | 5,456 |
| Tier 1 risk-based capital ratio | 11.0750% | 5,202 |
| Total risk-based capital ratio | 12.3257% | 5,092 |
| Memoranda: | ||
| Average total assets | $23,758,500 | 5,624 |
| Average earning assets | $18,741,250 | 5,651 |
| Average equity | $1,831,000 | 5,686 |
| Average total loans | $17,571,250 | 5,431 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8227% | 826 |
| Cost of funding earning assets | 0.6282% | 1,284 |
| Net interest margin | 4.1945% | 1,089 |
| Noninterest income to average assets | -0.1629% | 5,766 |
| Noninterest expense to average assets | 4.5447% | 305 |
| Loan and lease loss provision to assets | -0.8145% | 5,773 |
| Net operating income to assets | -0.5213% | 5,684 |
| Return on assets (ROA) | -0.5213% | 5,682 |
| Pretax return on assets | -0.5213% | 5,672 |
| Return on Equity (ROE) | -6.9152% | 5,696 |
| Retained earnings to average equity (ytd only) | -6.9152% | 5,586 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 141.6244% | 34 |
| Assets per employee ($millions) | 3.1494% | 5,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7827% | 919 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 13.4900% | 16 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 76.2224% | 1,514 |
| Net loans and leases to deposits | 83.1881% | 2,580 |
| Net loans and leases to core deposits | 83.1881% | 3,156 |
| Total domestic deposits to total assets | 91.6266% | 115 |
| Equity capital to assets | 8.0876% | 5,498 |
| Core capital (leverage) ratio | 7.4734% | 5,662 |
| Tier 1 risk-based capital ratio | 9.8825% | 5,657 |
| Total risk-based capital ratio | 11.1296% | 5,619 |
| Memoranda: | ||
| Average total assets | $24,556,330 | 5,659 |
| Average earning assets | $19,740,000 | 5,683 |
| Average equity | $1,851,000 | 5,733 |
| Average total loans | $18,091,330 | 5,460 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6166% | 1,097 |
| Cost of funding earning assets | 0.6486% | 1,085 |
| Net interest margin | 3.9680% | 1,556 |
| Noninterest income to average assets | 0.6354% | 2,246 |
| Noninterest expense to average assets | 4.2617% | 402 |
| Loan and lease loss provision to assets | -1.5497% | 5,853 |
| Net operating income to assets | 1.1468% | 1,682 |
| Return on assets (ROA) | 1.1468% | 1,718 |
| Pretax return on assets | 1.1468% | 2,782 |
| Return on Equity (ROE) | 15.7029% | 566 |
| Retained earnings to average equity (ytd only) | 15.7029% | 208 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.4418% | 122 |
| Assets per employee ($millions) | 3.1531% | 5,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6515% | 1,244 |
| Loan loss allowance to noncurrent loans | 516.9492% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 10.2597% | 33 |
| Noncurrent loans to loans | 0.3195% | 3,976 |
| Net loans and leases to total assets | 72.0040% | 2,076 |
| Net loans and leases to deposits | 78.1339% | 2,950 |
| Net loans and leases to core deposits | 78.1339% | 3,460 |
| Total domestic deposits to total assets | 92.1546% | 88 |
| Equity capital to assets | 7.6194% | 5,650 |
| Core capital (leverage) ratio | 7.4716% | 5,711 |
| Tier 1 risk-based capital ratio | 10.0099% | 5,692 |
| Total risk-based capital ratio | 11.2598% | 5,661 |
| Memoranda: | ||
| Average total assets | $25,811,500 | 5,720 |
| Average earning assets | $20,968,000 | 5,735 |
| Average equity | $1,885,000 | 5,797 |
| Average total loans | $18,582,500 | 5,506 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5786% | 1,326 |
| Cost of funding earning assets | 0.6566% | 1,019 |
| Net interest margin | 3.9220% | 1,889 |
| Noninterest income to average assets | 0.8902% | 1,443 |
| Noninterest expense to average assets | 4.2671% | 459 |
| Loan and lease loss provision to assets | -0.3604% | 5,857 |
| Net operating income to assets | 0.1478% | 5,499 |
| Return on assets (ROA) | 0.1478% | 5,535 |
| Pretax return on assets | 0.1478% | 5,546 |
| Return on Equity (ROE) | 2.2532% | 5,342 |
| Retained earnings to average equity (ytd only) | 2.2532% | 4,252 |
| Net charge-offs to loans | -0.0207% | 5,140 |
| Credit loss provision to net charge-offs | 2,500.0000% | 166 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.2444% | 167 |
| Assets per employee ($millions) | 3.7711% | 4,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1661% | 486 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 9.5803% | 39 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 69.2931% | 2,582 |
| Net loans and leases to deposits | 74.5578% | 3,460 |
| Net loans and leases to core deposits | 74.5578% | 3,871 |
| Total domestic deposits to total assets | 92.9389% | 42 |
| Equity capital to assets | 7.0005% | 5,797 |
| Core capital (leverage) ratio | 6.9686% | 5,813 |
| Tier 1 risk-based capital ratio | 9.3979% | 5,826 |
| Total risk-based capital ratio | 10.6540% | 5,825 |
| Memoranda: | ||
| Average total assets | $27,747,000 | 5,746 |
| Average earning assets | $22,386,600 | 5,769 |
| Average equity | $1,819,600 | 5,862 |
| Average total loans | $19,334,200 | 5,539 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5491% | 1,406 |
| Cost of funding earning assets | 0.6727% | 935 |
| Net interest margin | 3.8765% | 2,065 |
| Noninterest income to average assets | 1.0112% | 1,127 |
| Noninterest expense to average assets | 4.3582% | 428 |
| Loan and lease loss provision to assets | -0.4748% | 5,941 |
| Net operating income to assets | 0.2469% | 5,396 |
| Return on assets (ROA) | 0.2469% | 5,466 |
| Pretax return on assets | 0.2469% | 5,525 |
| Return on Equity (ROE) | 3.8251% | 4,970 |
| Retained earnings to average equity (ytd only) | 3.8251% | 3,588 |
| Net charge-offs to loans | -0.0273% | 5,126 |
| Credit loss provision to net charge-offs | 2,500.0000% | 197 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.5172% | 162 |
| Assets per employee ($millions) | 3.3631% | 4,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1439% | 560 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 10.2546% | 36 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 68.7084% | 2,696 |
| Net loans and leases to deposits | 74.0952% | 3,589 |
| Net loans and leases to core deposits | 74.0952% | 3,993 |
| Total domestic deposits to total assets | 92.7300% | 45 |
| Equity capital to assets | 6.9095% | 5,893 |
| Core capital (leverage) ratio | 6.6376% | 5,902 |
| Tier 1 risk-based capital ratio | 9.2341% | 5,905 |
| Total risk-based capital ratio | 10.4908% | 5,905 |
| Memoranda: | ||
| Average total assets | $28,084,250 | 5,803 |
| Average earning assets | $22,597,000 | 5,827 |
| Average equity | $1,812,500 | 5,926 |
| Average total loans | $19,493,500 | 5,586 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4695% | 1,613 |
| Cost of funding earning assets | 0.6670% | 954 |
| Net interest margin | 3.8026% | 2,309 |
| Noninterest income to average assets | 0.7796% | 1,812 |
| Noninterest expense to average assets | 4.2490% | 467 |
| Loan and lease loss provision to assets | -0.7023% | 6,033 |
| Net operating income to assets | 0.3160% | 5,273 |
| Return on assets (ROA) | 0.3160% | 5,361 |
| Pretax return on assets | 0.3160% | 5,481 |
| Return on Equity (ROE) | 5.0083% | 4,513 |
| Retained earnings to average equity (ytd only) | 5.0083% | 2,738 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.0000% | 143 |
| Assets per employee ($millions) | 3.6876% | 4,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0667% | 651 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 10.5013% | 39 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 64.4114% | 3,305 |
| Net loans and leases to deposits | 68.8703% | 4,097 |
| Net loans and leases to core deposits | 68.8703% | 4,411 |
| Total domestic deposits to total assets | 93.5256% | 22 |
| Equity capital to assets | 6.2744% | 6,003 |
| Core capital (leverage) ratio | 6.5224% | 5,973 |
| Tier 1 risk-based capital ratio | 8.8046% | 6,006 |
| Total risk-based capital ratio | 10.0604% | 6,002 |
| Memoranda: | ||
| Average total assets | $28,477,330 | 5,871 |
| Average earning assets | $23,089,670 | 5,891 |
| Average equity | $1,797,000 | 6,003 |
| Average total loans | $19,694,330 | 5,645 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6429% | 1,156 |
| Cost of funding earning assets | 0.6911% | 847 |
| Net interest margin | 3.9518% | 1,779 |
| Noninterest income to average assets | 0.7724% | 1,721 |
| Noninterest expense to average assets | 5.0205% | 268 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -1.0584% | 6,034 |
| Return on assets (ROA) | -1.0584% | 6,036 |
| Pretax return on assets | -1.0584% | 6,023 |
| Return on Equity (ROE) | -16.7232% | 6,058 |
| Retained earnings to average equity (ytd only) | -16.7232% | 5,926 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.7148% | 79 |
| Assets per employee ($millions) | 3.0596% | 5,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5252% | 378 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 11.2507% | 41 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 70.2317% | 2,304 |
| Net loans and leases to deposits | 75.0796% | 3,315 |
| Net loans and leases to core deposits | 75.0796% | 3,781 |
| Total domestic deposits to total assets | 93.5430% | 30 |
| Equity capital to assets | 6.2936% | 6,057 |
| Core capital (leverage) ratio | 6.2471% | 6,051 |
| Tier 1 risk-based capital ratio | 8.3325% | 6,070 |
| Total risk-based capital ratio | 9.5971% | 6,069 |
| Memoranda: | ||
| Average total assets | $27,965,500 | 5,944 |
| Average earning assets | $22,572,000 | 5,959 |
| Average equity | $1,770,000 | 6,065 |
| Average total loans | $19,840,000 | 5,689 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8081% | 914 |
| Cost of funding earning assets | 0.6681% | 971 |
| Net interest margin | 4.1400% | 1,309 |
| Noninterest income to average assets | 0.1427% | 5,698 |
| Noninterest expense to average assets | 5.0225% | 276 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -1.6905% | 6,129 |
| Return on assets (ROA) | -1.6905% | 6,130 |
| Pretax return on assets | -1.6905% | 6,125 |
| Return on Equity (ROE) | -22.2706% | 6,141 |
| Retained earnings to average equity (ytd only) | -22.2706% | 6,124 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 150.7328% | 38 |
| Assets per employee ($millions) | 3.1550% | 5,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5252% | 385 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 10.9104% | 46 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 68.1071% | 2,690 |
| Net loans and leases to deposits | 72.7906% | 3,637 |
| Net loans and leases to core deposits | 72.7906% | 4,063 |
| Total domestic deposits to total assets | 93.5658% | 33 |
| Equity capital to assets | 6.3638% | 6,103 |
| Core capital (leverage) ratio | 6.4126% | 6,099 |
| Tier 1 risk-based capital ratio | 7.4926% | 6,139 |
| Total risk-based capital ratio | 8.7490% | 6,140 |
| Memoranda: | ||
| Average total assets | $26,620,000 | 6,007 |
| Average earning assets | $20,507,000 | 6,052 |
| Average equity | $2,020,600 | 6,095 |
| Average total loans | $19,114,000 | 5,756 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5854% | 1,366 |
| Cost of funding earning assets | 0.6285% | 1,228 |
| Net interest margin | 3.9569% | 1,852 |
| Noninterest income to average assets | 0.3922% | 4,136 |
| Noninterest expense to average assets | 5.1649% | 249 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -1.6300% | 6,218 |
| Return on assets (ROA) | -1.6300% | 6,219 |
| Pretax return on assets | -1.6300% | 6,214 |
| Return on Equity (ROE) | -20.5718% | 6,221 |
| Retained earnings to average equity (ytd only) | -20.5718% | 6,202 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 146.1095% | 43 |
| Assets per employee ($millions) | 3.3935% | 4,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5413% | 412 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 11.9567% | 40 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 70.7713% | 2,271 |
| Net loans and leases to deposits | 76.4757% | 3,247 |
| Net loans and leases to core deposits | 76.4757% | 3,743 |
| Total domestic deposits to total assets | 92.5409% | 59 |
| Equity capital to assets | 7.1350% | 6,132 |
| Core capital (leverage) ratio | 7.2045% | 6,102 |
| Tier 1 risk-based capital ratio | 7.8842% | 6,219 |
| Total risk-based capital ratio | 9.1420% | 6,219 |
| Memoranda: | ||
| Average total assets | $26,176,250 | 6,098 |
| Average earning assets | $20,790,250 | 6,129 |
| Average equity | $2,074,000 | 6,174 |
| Average total loans | $18,932,500 | 5,833 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4579% | 1,669 |
| Cost of funding earning assets | 0.6327% | 1,214 |
| Net interest margin | 3.8253% | 2,220 |
| Noninterest income to average assets | 0.1006% | 6,027 |
| Noninterest expense to average assets | 5.4695% | 228 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -2.3286% | 6,312 |
| Return on assets (ROA) | -2.3286% | 6,313 |
| Pretax return on assets | -2.3286% | 6,311 |
| Return on Equity (ROE) | -28.4006% | 6,313 |
| Retained earnings to average equity (ytd only) | -28.4006% | 6,297 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 174.1379% | 24 |
| Assets per employee ($millions) | 2.9356% | 5,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6528% | 396 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 13.0961% | 36 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 69.5874% | 2,387 |
| Net loans and leases to deposits | 75.5031% | 3,317 |
| Net loans and leases to core deposits | 76.2895% | 3,739 |
| Total domestic deposits to total assets | 92.1650% | 111 |
| Equity capital to assets | 7.4035% | 6,129 |
| Core capital (leverage) ratio | 7.3001% | 6,135 |
| Tier 1 risk-based capital ratio | 8.0760% | 6,289 |
| Total risk-based capital ratio | 9.3435% | 6,287 |
| Memoranda: | ||
| Average total assets | $25,852,330 | 6,175 |
| Average earning assets | $20,547,670 | 6,206 |
| Average equity | $2,119,670 | 6,244 |
| Average total loans | $18,672,000 | 5,901 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2246% | 2,370 |
| Cost of funding earning assets | 0.6035% | 1,408 |
| Net interest margin | 3.6211% | 2,921 |
| Noninterest income to average assets | 0.8291% | 1,604 |
| Noninterest expense to average assets | 5.4755% | 227 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -1.7365% | 6,359 |
| Return on assets (ROA) | -1.7365% | 6,362 |
| Pretax return on assets | -1.7365% | 6,358 |
| Return on Equity (ROE) | -20.1681% | 6,357 |
| Retained earnings to average equity (ytd only) | -20.1681% | 6,274 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 146.4435% | 53 |
| Assets per employee ($millions) | 2.9752% | 5,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6058% | 457 |
| Loan loss allowance to noncurrent loans | 33.2449% | 5,467 |
| Noncurrent assets plus other real estate owned to assets | 15.0876% | 29 |
| Noncurrent loans to loans | 7.8383% | 108 |
| Net loans and leases to total assets | 69.9294% | 2,154 |
| Net loans and leases to deposits | 76.1272% | 3,037 |
| Net loans and leases to core deposits | 76.9120% | 3,501 |
| Total domestic deposits to total assets | 91.8587% | 165 |
| Equity capital to assets | 8.0143% | 6,024 |
| Core capital (leverage) ratio | 8.3301% | 5,694 |
| Tier 1 risk-based capital ratio | 10.1769% | 6,119 |
| Total risk-based capital ratio | 11.3814% | 6,082 |
| Memoranda: | ||
| Average total assets | $25,568,500 | 6,248 |
| Average earning assets | $20,546,500 | 6,273 |
| Average equity | $2,201,500 | 6,299 |
| Average total loans | $18,565,000 | 5,953 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0854% | 3,384 |
| Cost of funding earning assets | 0.6025% | 1,737 |
| Net interest margin | 3.4828% | 3,856 |
| Noninterest income to average assets | 1.6077% | 485 |
| Noninterest expense to average assets | 5.4101% | 239 |
| Loan and lease loss provision to assets | 0.1276% | 2,057 |
| Net operating income to assets | -1.1484% | 6,398 |
| Return on assets (ROA) | -1.1484% | 6,399 |
| Pretax return on assets | -1.1484% | 6,389 |
| Return on Equity (ROE) | -15.4140% | 6,416 |
| Retained earnings to average equity (ytd only) | -15.4140% | 6,389 |
| Net charge-offs to loans | 0.4637% | 906 |
| Credit loss provision to net charge-offs | 41.1765% | 3,657 |
| Earnings coverage of net charge-offs (x) | -3.2941% | 4,864 |
| Efficiency ratio | 123.2558% | 109 |
| Assets per employee ($millions) | 2.7067% | 6,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7983% | 375 |
| Loan loss allowance to noncurrent loans | 29.9641% | 5,652 |
| Noncurrent assets plus other real estate owned to assets | 17.3686% | 20 |
| Noncurrent loans to loans | 9.3387% | 79 |
| Net loans and leases to total assets | 71.4409% | 2,010 |
| Net loans and leases to deposits | 78.7716% | 2,869 |
| Net loans and leases to core deposits | 79.6768% | 3,329 |
| Total domestic deposits to total assets | 90.6938% | 468 |
| Equity capital to assets | 9.2652% | 4,985 |
| Core capital (leverage) ratio | 8.9136% | 5,103 |
| Tier 1 risk-based capital ratio | 11.1007% | 5,873 |
| Total risk-based capital ratio | 12.3500% | 5,811 |
| Memoranda: | ||
| Average total assets | $27,430,200 | 6,303 |
| Average earning assets | $21,907,400 | 6,332 |
| Average equity | $2,043,600 | 6,396 |
| Average total loans | $18,329,200 | 6,029 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9508% | 3,961 |
| Cost of funding earning assets | 0.6092% | 1,755 |
| Net interest margin | 3.3417% | 4,463 |
| Noninterest income to average assets | 2.0001% | 343 |
| Noninterest expense to average assets | 5.3573% | 247 |
| Loan and lease loss provision to assets | 0.1655% | 1,497 |
| Net operating income to assets | -0.8511% | 6,445 |
| Return on assets (ROA) | -0.8511% | 6,443 |
| Pretax return on assets | -0.8511% | 6,430 |
| Return on Equity (ROE) | -12.0583% | 6,470 |
| Retained earnings to average equity (ytd only) | -12.0583% | 6,416 |
| Net charge-offs to loans | 0.6075% | 606 |
| Credit loss provision to net charge-offs | 41.6667% | 3,265 |
| Earnings coverage of net charge-offs (x) | -1.7262% | 4,549 |
| Efficiency ratio | 114.6761% | 174 |
| Assets per employee ($millions) | 2.8943% | 5,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6701% | 510 |
| Loan loss allowance to noncurrent loans | 30.0239% | 5,728 |
| Noncurrent assets plus other real estate owned to assets | 16.4114% | 25 |
| Noncurrent loans to loans | 8.8931% | 97 |
| Net loans and leases to total assets | 70.2484% | 2,156 |
| Net loans and leases to deposits | 77.5119% | 3,003 |
| Net loans and leases to core deposits | 78.3448% | 3,506 |
| Total domestic deposits to total assets | 90.6292% | 479 |
| Equity capital to assets | 9.1827% | 5,166 |
| Core capital (leverage) ratio | 8.9204% | 5,170 |
| Tier 1 risk-based capital ratio | 11.2544% | 5,889 |
| Total risk-based capital ratio | 12.5012% | 5,836 |
| Memoranda: | ||
| Average total assets | $28,197,750 | 6,361 |
| Average earning assets | $22,543,000 | 6,399 |
| Average equity | $1,990,250 | 6,477 |
| Average total loans | $18,435,500 | 6,091 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8552% | 4,312 |
| Cost of funding earning assets | 0.6252% | 1,683 |
| Net interest margin | 3.2301% | 4,845 |
| Noninterest income to average assets | 0.6848% | 2,356 |
| Noninterest expense to average assets | 5.0218% | 311 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -1.7639% | 6,587 |
| Return on assets (ROA) | -1.7639% | 6,585 |
| Pretax return on assets | -1.7639% | 6,577 |
| Return on Equity (ROE) | -27.4736% | 6,601 |
| Retained earnings to average equity (ytd only) | -27.4736% | 6,576 |
| Net charge-offs to loans | 0.9283% | 389 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -3.0000% | 4,266 |
| Efficiency ratio | 154.1401% | 51 |
| Assets per employee ($millions) | 3.1254% | 5,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6500% | 573 |
| Loan loss allowance to noncurrent loans | 27.7381% | 5,836 |
| Noncurrent assets plus other real estate owned to assets | 18.6320% | 14 |
| Noncurrent loans to loans | 9.5536% | 88 |
| Net loans and leases to total assets | 60.8589% | 3,588 |
| Net loans and leases to deposits | 66.4841% | 4,225 |
| Net loans and leases to core deposits | 67.1386% | 4,541 |
| Total domestic deposits to total assets | 91.5390% | 255 |
| Equity capital to assets | 8.2371% | 6,003 |
| Core capital (leverage) ratio | 8.2450% | 5,895 |
| Tier 1 risk-based capital ratio | 10.8739% | 6,105 |
| Total risk-based capital ratio | 12.1222% | 6,051 |
| Memoranda: | ||
| Average total assets | $28,914,000 | 6,405 |
| Average earning assets | $23,033,670 | 6,458 |
| Average equity | $1,856,330 | 6,556 |
| Average total loans | $18,313,670 | 6,148 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8389% | 4,323 |
| Cost of funding earning assets | 0.6484% | 1,593 |
| Net interest margin | 3.1906% | 4,951 |
| Noninterest income to average assets | 0.8872% | 1,436 |
| Noninterest expense to average assets | 4.6952% | 388 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -1.2557% | 6,613 |
| Return on assets (ROA) | -1.2557% | 6,608 |
| Pretax return on assets | -1.2557% | 6,597 |
| Return on Equity (ROE) | -22.6322% | 6,640 |
| Retained earnings to average equity (ytd only) | -22.6322% | 6,560 |
| Net charge-offs to loans | 0.4283% | 849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -4.6000% | 3,573 |
| Efficiency ratio | 136.5079% | 97 |
| Assets per employee ($millions) | 3.1106% | 5,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9168% | 473 |
| Loan loss allowance to noncurrent loans | 22.4145% | 6,030 |
| Noncurrent assets plus other real estate owned to assets | 20.0929% | 16 |
| Noncurrent loans to loans | 13.0129% | 56 |
| Net loans and leases to total assets | 63.1327% | 3,047 |
| Net loans and leases to deposits | 67.0282% | 3,971 |
| Net loans and leases to core deposits | 67.6724% | 4,346 |
| Total domestic deposits to total assets | 94.1882% | 61 |
| Equity capital to assets | 5.6439% | 6,597 |
| Core capital (leverage) ratio | 5.4320% | 6,627 |
| Tier 1 risk-based capital ratio | 7.3447% | 6,643 |
| Total risk-based capital ratio | 8.5906% | 6,643 |
| Memoranda: | ||
| Average total assets | $29,306,500 | 6,464 |
| Average earning assets | $23,444,000 | 6,515 |
| Average equity | $1,626,000 | 6,649 |
| Average total loans | $18,678,000 | 6,191 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2673% | 3,080 |
| Cost of funding earning assets | 0.6925% | 1,873 |
| Net interest margin | 3.5748% | 3,578 |
| Noninterest income to average assets | 0.3087% | 5,130 |
| Noninterest expense to average assets | 3.9708% | 899 |
| Loan and lease loss provision to assets | 1.0078% | 179 |
| Net operating income to assets | -1.6858% | 6,689 |
| Return on assets (ROA) | -1.6858% | 6,684 |
| Pretax return on assets | -1.6858% | 6,680 |
| Return on Equity (ROE) | -28.7202% | 6,714 |
| Retained earnings to average equity (ytd only) | -28.7202% | 6,708 |
| Net charge-offs to loans | 3.0151% | 83 |
| Credit loss provision to net charge-offs | 47.3684% | 3,879 |
| Earnings coverage of net charge-offs (x) | -0.3186% | 5,168 |
| Efficiency ratio | 120.5882% | 174 |
| Assets per employee ($millions) | 3.4020% | 5,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8771% | 541 |
| Loan loss allowance to noncurrent loans | 23.2588% | 6,107 |
| Noncurrent assets plus other real estate owned to assets | 18.9856% | 22 |
| Noncurrent loans to loans | 12.3701% | 66 |
| Net loans and leases to total assets | 60.7486% | 3,583 |
| Net loans and leases to deposits | 64.3220% | 4,473 |
| Net loans and leases to core deposits | 65.9902% | 4,694 |
| Total domestic deposits to total assets | 94.4444% | 63 |
| Equity capital to assets | 5.4608% | 6,656 |
| Core capital (leverage) ratio | 5.2744% | 6,702 |
| Tier 1 risk-based capital ratio | 7.3839% | 6,717 |
| Total risk-based capital ratio | 8.6336% | 6,717 |
| Memoranda: | ||
| Average total assets | $33,041,400 | 6,458 |
| Average earning assets | $27,581,800 | 6,495 |
| Average equity | $1,939,400 | 6,694 |
| Average total loans | $23,316,000 | 6,066 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3714% | 2,687 |
| Cost of funding earning assets | 0.6830% | 2,076 |
| Net interest margin | 3.6884% | 3,073 |
| Noninterest income to average assets | 0.4834% | 3,912 |
| Noninterest expense to average assets | 3.8199% | 1,058 |
| Loan and lease loss provision to assets | 1.0303% | 159 |
| Net operating income to assets | -1.2641% | 6,736 |
| Return on assets (ROA) | -1.2641% | 6,738 |
| Pretax return on assets | -1.2641% | 6,732 |
| Return on Equity (ROE) | -21.1998% | 6,779 |
| Retained earnings to average equity (ytd only) | -21.1998% | 6,765 |
| Net charge-offs to loans | 2.9395% | 79 |
| Credit loss provision to net charge-offs | 48.4171% | 3,548 |
| Earnings coverage of net charge-offs (x) | -0.1099% | 4,887 |
| Efficiency ratio | 106.5193% | 323 |
| Assets per employee ($millions) | 3.6109% | 4,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1460% | 476 |
| Loan loss allowance to noncurrent loans | 24.5621% | 6,151 |
| Noncurrent assets plus other real estate owned to assets | 18.6658% | 25 |
| Noncurrent loans to loans | 12.8085% | 68 |
| Net loans and leases to total assets | 61.1022% | 3,506 |
| Net loans and leases to deposits | 65.1391% | 4,390 |
| Net loans and leases to core deposits | 66.1812% | 4,697 |
| Total domestic deposits to total assets | 93.8027% | 82 |
| Equity capital to assets | 5.8773% | 6,708 |
| Core capital (leverage) ratio | 5.7819% | 6,737 |
| Tier 1 risk-based capital ratio | 8.0428% | 6,763 |
| Total risk-based capital ratio | 9.2934% | 6,767 |
| Memoranda: | ||
| Average total assets | $33,647,250 | 6,514 |
| Average earning assets | $28,304,250 | 6,555 |
| Average equity | $2,006,250 | 6,767 |
| Average total loans | $24,357,250 | 6,070 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3521% | 2,754 |
| Cost of funding earning assets | 0.6791% | 2,227 |
| Net interest margin | 3.6729% | 3,074 |
| Noninterest income to average assets | 0.4173% | 4,394 |
| Noninterest expense to average assets | 3.7614% | 1,153 |
| Loan and lease loss provision to assets | 1.5280% | 81 |
| Net operating income to assets | -1.7573% | 6,834 |
| Return on assets (ROA) | -1.7573% | 6,836 |
| Pretax return on assets | -1.7573% | 6,827 |
| Return on Equity (ROE) | -29.3377% | 6,860 |
| Retained earnings to average equity (ytd only) | -29.3377% | 6,847 |
| Net charge-offs to loans | 0.6942% | 946 |
| Credit loss provision to net charge-offs | 292.1348% | 889 |
| Earnings coverage of net charge-offs (x) | -0.4382% | 4,655 |
| Efficiency ratio | 106.4892% | 337 |
| Assets per employee ($millions) | 4.1904% | 3,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3988% | 187 |
| Loan loss allowance to noncurrent loans | 28.1298% | 6,082 |
| Noncurrent assets plus other real estate owned to assets | 19.4106% | 24 |
| Noncurrent loans to loans | 15.6375% | 42 |
| Net loans and leases to total assets | 70.7962% | 1,748 |
| Net loans and leases to deposits | 75.3213% | 2,969 |
| Net loans and leases to core deposits | 77.2257% | 3,397 |
| Total domestic deposits to total assets | 93.9922% | 61 |
| Equity capital to assets | 5.7572% | 6,762 |
| Core capital (leverage) ratio | 5.6900% | 6,780 |
| Tier 1 risk-based capital ratio | 7.1302% | 6,838 |
| Total risk-based capital ratio | 8.3789% | 6,840 |
| Memoranda: | ||
| Average total assets | $34,030,330 | 6,550 |
| Average earning assets | $28,859,670 | 6,590 |
| Average equity | $2,038,330 | 6,812 |
| Average total loans | $25,642,330 | 6,037 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4731% | 2,264 |
| Cost of funding earning assets | 0.6744% | 2,441 |
| Net interest margin | 3.7987% | 2,457 |
| Noninterest income to average assets | 0.4900% | 3,843 |
| Noninterest expense to average assets | 3.8619% | 1,044 |
| Loan and lease loss provision to assets | 3.0335% | 29 |
| Net operating income to assets | -3.1852% | 6,972 |
| Return on assets (ROA) | -3.1852% | 6,973 |
| Pretax return on assets | -3.1852% | 6,970 |
| Return on Equity (ROE) | -52.1864% | 6,973 |
| Retained earnings to average equity (ytd only) | -52.1864% | 6,966 |
| Net charge-offs to loans | 0.4606% | 1,295 |
| Credit loss provision to net charge-offs | 866.6667% | 348 |
| Earnings coverage of net charge-offs (x) | -0.4333% | 3,918 |
| Efficiency ratio | 104.0881% | 438 |
| Assets per employee ($millions) | 4.2451% | 3,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6069% | 180 |
| Loan loss allowance to noncurrent loans | 29.6039% | 6,043 |
| Noncurrent assets plus other real estate owned to assets | 19.3634% | 28 |
| Noncurrent loans to loans | 15.5620% | 67 |
| Net loans and leases to total assets | 70.1776% | 1,628 |
| Net loans and leases to deposits | 74.5923% | 2,836 |
| Net loans and leases to core deposits | 77.1569% | 3,184 |
| Total domestic deposits to total assets | 94.0814% | 69 |
| Equity capital to assets | 5.7595% | 6,843 |
| Core capital (leverage) ratio | 5.7423% | 6,828 |
| Tier 1 risk-based capital ratio | 7.1788% | 6,890 |
| Total risk-based capital ratio | 8.4266% | 6,891 |
| Memoranda: | ||
| Average total assets | $34,284,000 | 6,609 |
| Average earning assets | $29,062,500 | 6,644 |
| Average equity | $2,092,500 | 6,870 |
| Average total loans | $26,051,000 | 6,068 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7414% | 2,424 |
| Cost of funding earning assets | 1.0362% | 1,186 |
| Net interest margin | 3.7053% | 3,622 |
| Noninterest income to average assets | -0.7560% | 7,049 |
| Noninterest expense to average assets | 3.6426% | 1,515 |
| Loan and lease loss provision to assets | 1.4407% | 225 |
| Net operating income to assets | -2.7262% | 6,991 |
| Return on assets (ROA) | -2.7262% | 6,994 |
| Pretax return on assets | -2.7262% | 6,996 |
| Return on Equity (ROE) | -38.2309% | 6,987 |
| Retained earnings to average equity (ytd only) | -38.2309% | 6,977 |
| Net charge-offs to loans | 2.8745% | 187 |
| Credit loss provision to net charge-offs | 66.3540% | 4,277 |
| Earnings coverage of net charge-offs (x) | -0.5920% | 5,690 |
| Efficiency ratio | 154.5356% | 82 |
| Assets per employee ($millions) | 4.3259% | 3,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3963% | 470 |
| Loan loss allowance to noncurrent loans | 22.6624% | 6,326 |
| Noncurrent assets plus other real estate owned to assets | 19.1955% | 31 |
| Noncurrent loans to loans | 14.9864% | 77 |
| Net loans and leases to total assets | 75.6986% | 962 |
| Net loans and leases to deposits | 81.0200% | 2,143 |
| Net loans and leases to core deposits | 82.9491% | 2,673 |
| Total domestic deposits to total assets | 93.4320% | 95 |
| Equity capital to assets | 6.4409% | 6,851 |
| Core capital (leverage) ratio | 6.2447% | 6,828 |
| Tier 1 risk-based capital ratio | 7.5472% | 6,930 |
| Total risk-based capital ratio | 8.7966% | 6,931 |
| Memoranda: | ||
| Average total assets | $39,285,600 | 6,525 |
| Average earning assets | $33,006,800 | 6,582 |
| Average equity | $2,801,400 | 6,821 |
| Average total loans | $29,675,000 | 5,964 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7312% | 2,666 |
| Cost of funding earning assets | 1.0933% | 1,087 |
| Net interest margin | 3.6379% | 4,064 |
| Noninterest income to average assets | -0.5405% | 7,136 |
| Noninterest expense to average assets | 3.4803% | 1,805 |
| Loan and lease loss provision to assets | 1.6182% | 185 |
| Net operating income to assets | -2.5904% | 7,093 |
| Return on assets (ROA) | -2.5904% | 7,096 |
| Pretax return on assets | -2.5904% | 7,087 |
| Return on Equity (ROE) | -35.5908% | 7,087 |
| Retained earnings to average equity (ytd only) | -35.5908% | 7,080 |
| Net charge-offs to loans | 3.5670% | 122 |
| Credit loss provision to net charge-offs | 60.5425% | 4,136 |
| Earnings coverage of net charge-offs (x) | -0.3637% | 5,465 |
| Efficiency ratio | 138.7648% | 121 |
| Assets per employee ($millions) | 4.5429% | 2,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1428% | 634 |
| Loan loss allowance to noncurrent loans | 24.0260% | 6,382 |
| Noncurrent assets plus other real estate owned to assets | 18.2539% | 54 |
| Noncurrent loans to loans | 13.0809% | 133 |
| Net loans and leases to total assets | 75.3020% | 1,076 |
| Net loans and leases to deposits | 81.6633% | 2,169 |
| Net loans and leases to core deposits | 83.5328% | 2,753 |
| Total domestic deposits to total assets | 92.2103% | 184 |
| Equity capital to assets | 6.9147% | 6,891 |
| Core capital (leverage) ratio | 6.7003% | 6,843 |
| Tier 1 risk-based capital ratio | 7.9715% | 6,994 |
| Total risk-based capital ratio | 9.2244% | 6,996 |
| Memoranda: | ||
| Average total assets | $40,455,250 | 6,571 |
| Average earning assets | $33,901,500 | 6,644 |
| Average equity | $2,944,500 | 6,888 |
| Average total loans | $30,314,250 | 6,008 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6646% | 3,073 |
| Cost of funding earning assets | 1.1490% | 1,033 |
| Net interest margin | 3.5156% | 4,604 |
| Noninterest income to average assets | -0.2391% | 7,140 |
| Noninterest expense to average assets | 3.4333% | 1,950 |
| Loan and lease loss provision to assets | 1.7740% | 191 |
| Net operating income to assets | -2.5056% | 7,121 |
| Return on assets (ROA) | -2.5056% | 7,124 |
| Pretax return on assets | -2.5056% | 7,113 |
| Return on Equity (ROE) | -33.9342% | 7,125 |
| Retained earnings to average equity (ytd only) | -33.9342% | 7,118 |
| Net charge-offs to loans | 2.5354% | 275 |
| Credit loss provision to net charge-offs | 94.4020% | 2,924 |
| Earnings coverage of net charge-offs (x) | -0.3893% | 5,208 |
| Efficiency ratio | 127.0796% | 180 |
| Assets per employee ($millions) | 4.9399% | 2,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0110% | 342 |
| Loan loss allowance to noncurrent loans | 28.0180% | 6,229 |
| Noncurrent assets plus other real estate owned to assets | 18.3608% | 56 |
| Noncurrent loans to loans | 14.3157% | 110 |
| Net loans and leases to total assets | 71.8211% | 1,587 |
| Net loans and leases to deposits | 78.0267% | 2,662 |
| Net loans and leases to core deposits | 80.3801% | 3,164 |
| Total domestic deposits to total assets | 92.0469% | 219 |
| Equity capital to assets | 7.0245% | 6,905 |
| Core capital (leverage) ratio | 6.8171% | 6,862 |
| Tier 1 risk-based capital ratio | 8.5790% | 7,006 |
| Total risk-based capital ratio | 9.8276% | 7,009 |
| Memoranda: | ||
| Average total assets | $41,826,000 | 6,557 |
| Average earning assets | $34,987,000 | 6,659 |
| Average equity | $3,088,330 | 6,887 |
| Average total loans | $31,000,670 | 6,014 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9154% | 2,182 |
| Cost of funding earning assets | 1.2035% | 968 |
| Net interest margin | 3.7118% | 3,776 |
| Noninterest income to average assets | 0.4002% | 4,668 |
| Noninterest expense to average assets | 3.2388% | 2,476 |
| Loan and lease loss provision to assets | 1.2657% | 292 |
| Net operating income to assets | -1.0331% | 6,999 |
| Return on assets (ROA) | -1.0331% | 7,018 |
| Pretax return on assets | -1.0331% | 6,985 |
| Return on Equity (ROE) | -13.6847% | 7,049 |
| Retained earnings to average equity (ytd only) | -13.6847% | 6,944 |
| Net charge-offs to loans | 3.6574% | 174 |
| Credit loss provision to net charge-offs | 46.8966% | 3,331 |
| Earnings coverage of net charge-offs (x) | 0.0862% | 4,326 |
| Efficiency ratio | 93.2976% | 864 |
| Assets per employee ($millions) | 5.2274% | 1,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4288% | 566 |
| Loan loss allowance to noncurrent loans | 30.3222% | 6,157 |
| Noncurrent assets plus other real estate owned to assets | 18.9890% | 57 |
| Noncurrent loans to loans | 11.3077% | 238 |
| Net loans and leases to total assets | 70.9869% | 1,576 |
| Net loans and leases to deposits | 77.6958% | 2,572 |
| Net loans and leases to core deposits | 79.9235% | 3,079 |
| Total domestic deposits to total assets | 91.3652% | 416 |
| Equity capital to assets | 7.6257% | 6,726 |
| Core capital (leverage) ratio | 7.4714% | 6,652 |
| Tier 1 risk-based capital ratio | 9.0291% | 7,022 |
| Total risk-based capital ratio | 10.2749% | 7,028 |
| Memoranda: | ||
| Average total assets | $42,979,500 | 6,564 |
| Average earning assets | $35,562,000 | 6,689 |
| Average equity | $3,244,500 | 6,914 |
| Average total loans | $31,716,500 | 6,025 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1164% | 2,386 |
| Cost of funding earning assets | 1.3418% | 1,281 |
| Net interest margin | 3.7746% | 3,957 |
| Noninterest income to average assets | -0.2522% | 7,179 |
| Noninterest expense to average assets | 3.2970% | 2,533 |
| Loan and lease loss provision to assets | 1.0439% | 897 |
| Net operating income to assets | -1.2961% | 6,856 |
| Return on assets (ROA) | -1.2961% | 6,874 |
| Pretax return on assets | -1.2961% | 6,841 |
| Return on Equity (ROE) | -19.8947% | 6,985 |
| Retained earnings to average equity (ytd only) | -19.8947% | 6,969 |
| Net charge-offs to loans | 1.2374% | 1,347 |
| Credit loss provision to net charge-offs | 106.7653% | 3,175 |
| Earnings coverage of net charge-offs (x) | -0.2579% | 5,988 |
| Efficiency ratio | 108.2824% | 469 |
| Assets per employee ($millions) | 5.5175% | 1,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6950% | 466 |
| Loan loss allowance to noncurrent loans | 39.0559% | 5,661 |
| Noncurrent assets plus other real estate owned to assets | 17.7866% | 76 |
| Noncurrent loans to loans | 9.4607% | 355 |
| Net loans and leases to total assets | 71.3299% | 1,763 |
| Net loans and leases to deposits | 78.3053% | 2,784 |
| Net loans and leases to core deposits | 82.0328% | 3,176 |
| Total domestic deposits to total assets | 91.0920% | 469 |
| Equity capital to assets | 7.4762% | 6,819 |
| Core capital (leverage) ratio | 7.3648% | 6,716 |
| Tier 1 risk-based capital ratio | 8.8605% | 7,050 |
| Total risk-based capital ratio | 10.1010% | 7,053 |
| Memoranda: | ||
| Average total assets | $48,376,800 | 6,406 |
| Average earning assets | $42,256,400 | 6,457 |
| Average equity | $3,151,600 | 6,980 |
| Average total loans | $38,226,200 | 5,771 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1887% | 2,246 |
| Cost of funding earning assets | 1.3643% | 1,399 |
| Net interest margin | 3.8244% | 3,748 |
| Noninterest income to average assets | -0.0647% | 7,180 |
| Noninterest expense to average assets | 3.1258% | 3,070 |
| Loan and lease loss provision to assets | 0.5394% | 1,829 |
| Net operating income to assets | -0.3506% | 6,544 |
| Return on assets (ROA) | -0.3506% | 6,598 |
| Pretax return on assets | -0.3506% | 6,532 |
| Return on Equity (ROE) | -5.5653% | 6,698 |
| Retained earnings to average equity (ytd only) | -5.5653% | 6,620 |
| Net charge-offs to loans | 1.6157% | 873 |
| Credit loss provision to net charge-offs | 41.6667% | 5,207 |
| Earnings coverage of net charge-offs (x) | 0.1458% | 5,498 |
| Efficiency ratio | 94.3043% | 901 |
| Assets per employee ($millions) | 5.0247% | 2,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5237% | 1,365 |
| Loan loss allowance to noncurrent loans | 28.3455% | 6,343 |
| Noncurrent assets plus other real estate owned to assets | 13.7787% | 165 |
| Noncurrent loans to loans | 8.9032% | 446 |
| Net loans and leases to total assets | 76.5291% | 904 |
| Net loans and leases to deposits | 83.4511% | 2,102 |
| Net loans and leases to core deposits | 86.7368% | 2,683 |
| Total domestic deposits to total assets | 91.7054% | 259 |
| Equity capital to assets | 6.8484% | 7,080 |
| Core capital (leverage) ratio | 6.4273% | 7,083 |
| Tier 1 risk-based capital ratio | 8.3700% | 7,165 |
| Total risk-based capital ratio | 9.6349% | 7,166 |
| Memoranda: | ||
| Average total assets | $49,436,000 | 6,439 |
| Average earning assets | $43,683,750 | 6,457 |
| Average equity | $3,114,500 | 7,047 |
| Average total loans | $39,609,500 | 5,762 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1609% | 2,415 |
| Cost of funding earning assets | 1.3777% | 1,511 |
| Net interest margin | 3.7832% | 3,874 |
| Noninterest income to average assets | -0.0197% | 7,226 |
| Noninterest expense to average assets | 3.0566% | 3,404 |
| Loan and lease loss provision to assets | 0.7868% | 1,174 |
| Net operating income to assets | -0.5035% | 6,692 |
| Return on assets (ROA) | -0.5035% | 6,714 |
| Pretax return on assets | -0.5035% | 6,658 |
| Return on Equity (ROE) | -8.2043% | 6,875 |
| Retained earnings to average equity (ytd only) | -8.2043% | 6,787 |
| Net charge-offs to loans | 1.0396% | 1,515 |
| Credit loss provision to net charge-offs | 93.8967% | 3,345 |
| Earnings coverage of net charge-offs (x) | 0.3380% | 5,061 |
| Efficiency ratio | 91.5194% | 1,129 |
| Assets per employee ($millions) | 5.4992% | 1,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0902% | 823 |
| Loan loss allowance to noncurrent loans | 24.1838% | 6,565 |
| Noncurrent assets plus other real estate owned to assets | 15.8689% | 125 |
| Noncurrent loans to loans | 12.7780% | 214 |
| Net loans and leases to total assets | 73.6912% | 1,476 |
| Net loans and leases to deposits | 82.8514% | 2,305 |
| Net loans and leases to core deposits | 85.9034% | 2,921 |
| Total domestic deposits to total assets | 88.9439% | 1,570 |
| Equity capital to assets | 6.2615% | 7,214 |
| Core capital (leverage) ratio | 6.1539% | 7,175 |
| Tier 1 risk-based capital ratio | 7.9335% | 7,248 |
| Total risk-based capital ratio | 9.2059% | 7,253 |
| Memoranda: | ||
| Average total assets | $50,840,670 | 6,456 |
| Average earning assets | $45,147,000 | 6,469 |
| Average equity | $3,120,330 | 7,097 |
| Average total loans | $40,978,000 | 5,755 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9259% | 3,446 |
| Cost of funding earning assets | 1.4161% | 1,528 |
| Net interest margin | 3.5098% | 4,961 |
| Noninterest income to average assets | 0.0155% | 7,259 |
| Noninterest expense to average assets | 3.0904% | 3,290 |
| Loan and lease loss provision to assets | 1.5530% | 402 |
| Net operating income to assets | -1.4908% | 7,199 |
| Return on assets (ROA) | -1.4908% | 7,201 |
| Pretax return on assets | -1.4908% | 7,158 |
| Return on Equity (ROE) | -24.5289% | 7,272 |
| Retained earnings to average equity (ytd only) | -24.5289% | 7,232 |
| Net charge-offs to loans | 2.0164% | 632 |
| Credit loss provision to net charge-offs | 93.0233% | 2,881 |
| Earnings coverage of net charge-offs (x) | 0.0372% | 4,556 |
| Efficiency ratio | 98.0296% | 828 |
| Assets per employee ($millions) | 5.6822% | 1,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7381% | 1,165 |
| Loan loss allowance to noncurrent loans | 27.9692% | 6,411 |
| Noncurrent assets plus other real estate owned to assets | 11.7384% | 285 |
| Noncurrent loans to loans | 9.7899% | 415 |
| Net loans and leases to total assets | 80.6414% | 457 |
| Net loans and leases to deposits | 92.0988% | 1,010 |
| Net loans and leases to core deposits | 95.4210% | 1,725 |
| Total domestic deposits to total assets | 87.5596% | 2,632 |
| Equity capital to assets | 5.9347% | 7,291 |
| Core capital (leverage) ratio | 5.7479% | 7,290 |
| Tier 1 risk-based capital ratio | 7.2592% | 7,346 |
| Total risk-based capital ratio | 8.5077% | 7,349 |
| Memoranda: | ||
| Average total assets | $51,514,500 | 6,474 |
| Average earning assets | $46,042,000 | 6,488 |
| Average equity | $3,131,000 | 7,134 |
| Average total loans | $42,649,500 | 5,720 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4056% | 2,648 |
| Cost of funding earning assets | 1.7684% | 1,306 |
| Net interest margin | 3.6371% | 4,632 |
| Noninterest income to average assets | -0.1492% | 7,438 |
| Noninterest expense to average assets | 2.7538% | 4,769 |
| Loan and lease loss provision to assets | 1.8131% | 763 |
| Net operating income to assets | -3.0452% | 7,305 |
| Return on assets (ROA) | -3.0452% | 7,321 |
| Pretax return on assets | -1.5323% | 6,867 |
| Return on Equity (ROE) | -38.3680% | 7,328 |
| Retained earnings to average equity (ytd only) | -38.3680% | 7,320 |
| Net charge-offs to loans | 4.2187% | 281 |
| Credit loss provision to net charge-offs | 53.4126% | 6,211 |
| Earnings coverage of net charge-offs (x) | 0.0827% | 6,038 |
| Efficiency ratio | 90.7461% | 1,261 |
| Assets per employee ($millions) | 5.1889% | 1,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7414% | 1,126 |
| Loan loss allowance to noncurrent loans | 37.3333% | 5,816 |
| Noncurrent assets plus other real estate owned to assets | 11.0910% | 343 |
| Noncurrent loans to loans | 7.3430% | 749 |
| Net loans and leases to total assets | 80.4063% | 613 |
| Net loans and leases to deposits | 94.6635% | 996 |
| Net loans and leases to core deposits | 97.5018% | 1,840 |
| Total domestic deposits to total assets | 84.9390% | 3,887 |
| Equity capital to assets | 6.2190% | 7,310 |
| Core capital (leverage) ratio | 5.8662% | 7,320 |
| Tier 1 risk-based capital ratio | 7.3436% | 7,396 |
| Total risk-based capital ratio | 8.6112% | 7,399 |
| Memoranda: | ||
| Average total assets | $56,975,000 | 6,309 |
| Average earning assets | $49,874,600 | 6,372 |
| Average equity | $4,522,000 | 6,811 |
| Average total loans | $45,843,800 | 5,655 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4538% | 2,629 |
| Cost of funding earning assets | 1.8249% | 1,324 |
| Net interest margin | 3.6289% | 4,734 |
| Noninterest income to average assets | -0.1763% | 7,583 |
| Noninterest expense to average assets | 2.7057% | 4,856 |
| Loan and lease loss provision to assets | 1.5520% | 850 |
| Net operating income to assets | -0.8378% | 6,809 |
| Return on assets (ROA) | -0.8378% | 6,848 |
| Pretax return on assets | -1.2659% | 6,967 |
| Return on Equity (ROE) | -10.0705% | 6,935 |
| Retained earnings to average equity (ytd only) | -10.0705% | 6,886 |
| Net charge-offs to loans | 2.9712% | 527 |
| Credit loss provision to net charge-offs | 65.3179% | 5,553 |
| Earnings coverage of net charge-offs (x) | 0.1204% | 5,900 |
| Efficiency ratio | 90.4361% | 1,247 |
| Assets per employee ($millions) | 5.6275% | 1,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8512% | 416 |
| Loan loss allowance to noncurrent loans | 59.0034% | 4,383 |
| Noncurrent assets plus other real estate owned to assets | 9.4589% | 447 |
| Noncurrent loans to loans | 6.5272% | 915 |
| Net loans and leases to total assets | 76.1724% | 1,374 |
| Net loans and leases to deposits | 91.1015% | 1,558 |
| Net loans and leases to core deposits | 101.7518% | 1,679 |
| Total domestic deposits to total assets | 83.6126% | 4,312 |
| Equity capital to assets | 8.1582% | 6,662 |
| Core capital (leverage) ratio | 6.2774% | 7,391 |
| Tier 1 risk-based capital ratio | 8.4852% | 7,436 |
| Total risk-based capital ratio | 9.7686% | 7,442 |
| Memoranda: | ||
| Average total assets | $58,246,500 | 6,338 |
| Average earning assets | $50,850,250 | 6,408 |
| Average equity | $4,845,750 | 6,798 |
| Average total loans | $46,580,250 | 5,696 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4858% | 2,590 |
| Cost of funding earning assets | 1.8494% | 1,435 |
| Net interest margin | 3.6364% | 4,653 |
| Noninterest income to average assets | 0.0034% | 7,515 |
| Noninterest expense to average assets | 2.6348% | 5,195 |
| Loan and lease loss provision to assets | 0.9609% | 1,523 |
| Net operating income to assets | -0.2852% | 6,457 |
| Return on assets (ROA) | -0.2852% | 6,505 |
| Pretax return on assets | -0.4278% | 6,537 |
| Return on Equity (ROE) | -3.4072% | 6,558 |
| Retained earnings to average equity (ytd only) | -3.4072% | 6,358 |
| Net charge-offs to loans | 0.7323% | 2,397 |
| Credit loss provision to net charge-offs | 163.5838% | 2,411 |
| Earnings coverage of net charge-offs (x) | 0.9075% | 4,862 |
| Efficiency ratio | 83.1726% | 2,020 |
| Assets per employee ($millions) | 6.7977% | 841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8170% | 197 |
| Loan loss allowance to noncurrent loans | 53.1083% | 4,753 |
| Noncurrent assets plus other real estate owned to assets | 13.8463% | 184 |
| Noncurrent loans to loans | 9.0701% | 523 |
| Net loans and leases to total assets | 70.6370% | 2,762 |
| Net loans and leases to deposits | 92.4425% | 1,463 |
| Net loans and leases to core deposits | 103.3160% | 1,700 |
| Total domestic deposits to total assets | 76.4118% | 6,610 |
| Equity capital to assets | 7.9553% | 6,799 |
| Core capital (leverage) ratio | 6.8131% | 7,276 |
| Tier 1 risk-based capital ratio | 8.6255% | 7,468 |
| Total risk-based capital ratio | 9.9177% | 7,478 |
| Memoranda: | ||
| Average total assets | $58,903,670 | 6,353 |
| Average earning assets | $51,259,330 | 6,432 |
| Average equity | $4,930,670 | 6,800 |
| Average total loans | $47,246,000 | 5,708 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6469% | 1,970 |
| Cost of funding earning assets | 1.9244% | 1,349 |
| Net interest margin | 3.7225% | 4,137 |
| Noninterest income to average assets | 0.0000% | 7,655 |
| Noninterest expense to average assets | 2.6382% | 5,194 |
| Loan and lease loss provision to assets | 0.2077% | 4,426 |
| Net operating income to assets | 0.2770% | 5,387 |
| Return on assets (ROA) | 0.2770% | 5,515 |
| Pretax return on assets | 0.4224% | 5,216 |
| Return on Equity (ROE) | 3.2242% | 5,243 |
| Retained earnings to average equity (ytd only) | 3.2242% | 4,217 |
| Net charge-offs to loans | 1.2290% | 1,383 |
| Credit loss provision to net charge-offs | 20.2703% | 4,944 |
| Earnings coverage of net charge-offs (x) | 0.6149% | 4,477 |
| Efficiency ratio | 80.7203% | 2,453 |
| Assets per employee ($millions) | 5.8743% | 1,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0709% | 351 |
| Loan loss allowance to noncurrent loans | 51.1889% | 4,911 |
| Noncurrent assets plus other real estate owned to assets | 10.2106% | 384 |
| Noncurrent loans to loans | 7.9527% | 679 |
| Net loans and leases to total assets | 78.5847% | 1,042 |
| Net loans and leases to deposits | 104.5050% | 496 |
| Net loans and leases to core deposits | 116.1070% | 943 |
| Total domestic deposits to total assets | 75.1970% | 6,876 |
| Equity capital to assets | 8.4861% | 6,018 |
| Core capital (leverage) ratio | 7.2217% | 7,089 |
| Tier 1 risk-based capital ratio | 8.8632% | 7,504 |
| Total risk-based capital ratio | 10.1466% | 7,513 |
| Memoranda: | ||
| Average total assets | $57,766,000 | 6,476 |
| Average earning assets | $50,718,000 | 6,519 |
| Average equity | $4,962,500 | 6,855 |
| Average total loans | $48,168,000 | 5,750 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0553% | 1,658 |
| Cost of funding earning assets | 2.7655% | 494 |
| Net interest margin | 3.2897% | 5,785 |
| Noninterest income to average assets | 0.1782% | 6,809 |
| Noninterest expense to average assets | 2.4582% | 6,280 |
| Loan and lease loss provision to assets | 3.4363% | 456 |
| Net operating income to assets | -1.8963% | 7,047 |
| Return on assets (ROA) | -1.8963% | 7,045 |
| Pretax return on assets | -2.7922% | 7,235 |
| Return on Equity (ROE) | -19.1080% | 7,115 |
| Retained earnings to average equity (ytd only) | -19.1080% | 7,073 |
| Net charge-offs to loans | 0.8730% | 2,651 |
| Credit loss provision to net charge-offs | 464.3519% | 669 |
| Earnings coverage of net charge-offs (x) | 0.8704% | 5,238 |
| Efficiency ratio | 79.2380% | 3,003 |
| Assets per employee ($millions) | 5.6789% | 1,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3079% | 294 |
| Loan loss allowance to noncurrent loans | 89.6418% | 3,121 |
| Noncurrent assets plus other real estate owned to assets | 8.4559% | 504 |
| Noncurrent loans to loans | 4.8057% | 1,434 |
| Net loans and leases to total assets | 81.2428% | 802 |
| Net loans and leases to deposits | 109.0683% | 415 |
| Net loans and leases to core deposits | 128.8563% | 1,343 |
| Total domestic deposits to total assets | 74.4880% | 6,948 |
| Equity capital to assets | 8.6989% | 5,584 |
| Core capital (leverage) ratio | 7.3153% | 6,969 |
| Tier 1 risk-based capital ratio | 8.9564% | 7,485 |
| Total risk-based capital ratio | 10.2446% | 7,490 |
| Memoranda: | ||
| Average total assets | $58,376,000 | 6,417 |
| Average earning assets | $51,888,800 | 6,464 |
| Average equity | $5,793,400 | 6,675 |
| Average total loans | $49,481,800 | 5,698 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1181% | 1,584 |
| Cost of funding earning assets | 2.8863% | 486 |
| Net interest margin | 3.2318% | 5,910 |
| Noninterest income to average assets | 0.1928% | 6,838 |
| Noninterest expense to average assets | 2.3775% | 6,483 |
| Loan and lease loss provision to assets | 0.6715% | 2,725 |
| Net operating income to assets | 0.0182% | 5,671 |
| Return on assets (ROA) | 0.0182% | 5,723 |
| Pretax return on assets | 0.0295% | 5,648 |
| Return on Equity (ROE) | 0.1776% | 5,719 |
| Retained earnings to average equity (ytd only) | 0.1776% | 5,123 |
| Net charge-offs to loans | 0.3374% | 3,953 |
| Credit loss provision to net charge-offs | 234.9206% | 1,858 |
| Earnings coverage of net charge-offs (x) | 2.4523% | 4,005 |
| Efficiency ratio | 77.2292% | 3,281 |
| Assets per employee ($millions) | 5.9149% | 1,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3722% | 4,104 |
| Loan loss allowance to noncurrent loans | 32.0629% | 6,302 |
| Noncurrent assets plus other real estate owned to assets | 7.9646% | 543 |
| Noncurrent loans to loans | 4.2796% | 1,678 |
| Net loans and leases to total assets | 81.7833% | 847 |
| Net loans and leases to deposits | 115.2558% | 287 |
| Net loans and leases to core deposits | 138.8900% | 971 |
| Total domestic deposits to total assets | 70.9581% | 7,333 |
| Equity capital to assets | 10.2267% | 3,815 |
| Core capital (leverage) ratio | 9.6155% | 3,767 |
| Tier 1 risk-based capital ratio | 11.5342% | 5,398 |
| Total risk-based capital ratio | 12.7947% | 5,336 |
| Memoranda: | ||
| Average total assets | $58,772,750 | 6,436 |
| Average earning assets | $52,476,500 | 6,476 |
| Average equity | $6,006,750 | 6,663 |
| Average total loans | $49,798,750 | 5,733 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1056% | 1,773 |
| Cost of funding earning assets | 3.0108% | 460 |
| Net interest margin | 3.0948% | 6,261 |
| Noninterest income to average assets | 0.1978% | 6,873 |
| Noninterest expense to average assets | 2.2883% | 6,783 |
| Loan and lease loss provision to assets | 0.7025% | 2,322 |
| Net operating income to assets | -0.0273% | 5,893 |
| Return on assets (ROA) | -0.0273% | 5,958 |
| Pretax return on assets | -0.0273% | 5,901 |
| Return on Equity (ROE) | -0.2670% | 5,963 |
| Retained earnings to average equity (ytd only) | -0.2670% | 5,293 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2152% | 3,474 |
| Assets per employee ($millions) | 6.7886% | 847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4218% | 3,614 |
| Loan loss allowance to noncurrent loans | 75.4255% | 3,696 |
| Noncurrent assets plus other real estate owned to assets | 4.8611% | 1,118 |
| Noncurrent loans to loans | 1.8851% | 3,686 |
| Net loans and leases to total assets | 80.4557% | 1,232 |
| Net loans and leases to deposits | 114.4893% | 376 |
| Net loans and leases to core deposits | 139.1339% | 1,050 |
| Total domestic deposits to total assets | 70.2735% | 7,442 |
| Equity capital to assets | 9.8630% | 4,131 |
| Core capital (leverage) ratio | 9.6724% | 3,669 |
| Tier 1 risk-based capital ratio | 11.3046% | 5,592 |
| Total risk-based capital ratio | 12.5326% | 5,517 |
| Memoranda: | ||
| Average total assets | $58,647,330 | 6,492 |
| Average earning assets | $52,410,670 | 6,533 |
| Average equity | $5,992,670 | 6,720 |
| Average total loans | $50,049,330 | 5,762 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2621% | 1,405 |
| Cost of funding earning assets | 3.2051% | 339 |
| Net interest margin | 3.0570% | 6,314 |
| Noninterest income to average assets | 0.2090% | 6,799 |
| Noninterest expense to average assets | 2.2012% | 6,865 |
| Loan and lease loss provision to assets | 1.4350% | 884 |
| Net operating income to assets | -0.6966% | 7,053 |
| Return on assets (ROA) | -0.6966% | 7,091 |
| Pretax return on assets | -0.6966% | 6,966 |
| Return on Equity (ROE) | -6.6934% | 7,121 |
| Retained earnings to average equity (ytd only) | -6.6934% | 6,760 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8815% | 3,683 |
| Assets per employee ($millions) | 6.3776% | 1,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3939% | 3,531 |
| Loan loss allowance to noncurrent loans | 47.8731% | 5,339 |
| Noncurrent assets plus other real estate owned to assets | 5.3434% | 811 |
| Noncurrent loans to loans | 2.9117% | 2,245 |
| Net loans and leases to total assets | 87.3794% | 310 |
| Net loans and leases to deposits | 127.4141% | 171 |
| Net loans and leases to core deposits | 147.3990% | 797 |
| Total domestic deposits to total assets | 68.5790% | 7,553 |
| Equity capital to assets | 10.3296% | 3,624 |
| Core capital (leverage) ratio | 9.7898% | 3,646 |
| Tier 1 risk-based capital ratio | 10.6772% | 6,212 |
| Total risk-based capital ratio | 11.9291% | 6,118 |
| Memoranda: | ||
| Average total assets | $57,422,500 | 6,560 |
| Average earning assets | $51,292,500 | 6,609 |
| Average equity | $5,976,000 | 6,772 |
| Average total loans | $50,141,500 | 5,791 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8823% | 1,453 |
| Cost of funding earning assets | 3.7526% | 227 |
| Net interest margin | 3.1297% | 6,564 |
| Noninterest income to average assets | -0.3957% | 8,259 |
| Noninterest expense to average assets | 2.5212% | 5,927 |
| Loan and lease loss provision to assets | 0.1583% | 5,346 |
| Net operating income to assets | -0.1641% | 6,576 |
| Return on assets (ROA) | -0.1641% | 6,421 |
| Pretax return on assets | -0.2625% | 6,425 |
| Return on Equity (ROE) | -1.3924% | 6,417 |
| Retained earnings to average equity (ytd only) | -1.3924% | 5,707 |
| Net charge-offs to loans | 0.0722% | 5,732 |
| Credit loss provision to net charge-offs | 256.2500% | 1,816 |
| Earnings coverage of net charge-offs (x) | -1.6875% | 6,687 |
| Efficiency ratio | 104.3131% | 859 |
| Assets per employee ($millions) | 6.3830% | 943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0178% | 5,866 |
| Loan loss allowance to noncurrent loans | 64.3223% | 4,794 |
| Noncurrent assets plus other real estate owned to assets | 4.2909% | 911 |
| Noncurrent loans to loans | 1.5824% | 3,405 |
| Net loans and leases to total assets | 85.1515% | 714 |
| Net loans and leases to deposits | 127.8642% | 241 |
| Net loans and leases to core deposits | 148.2918% | 924 |
| Total domestic deposits to total assets | 66.5953% | 7,612 |
| Equity capital to assets | 10.4844% | 3,521 |
| Core capital (leverage) ratio | 10.3859% | 3,086 |
| Tier 1 risk-based capital ratio | 11.5831% | 5,166 |
| Total risk-based capital ratio | 12.5981% | 5,294 |
| Memoranda: | ||
| Average total assets | $51,801,600 | 6,703 |
| Average earning assets | $46,554,000 | 6,740 |
| Average equity | $6,104,600 | 6,764 |
| Average total loans | $44,322,200 | 5,959 |