Home > Pee Dee Federal Savings Bank > Performance and Condition Ratios
Pee Dee Federal Savings Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5580% | 3,814 |
| Cost of funding earning assets | 0.5175% | 4,283 |
| Net interest margin | 4.0406% | 1,204 |
| Noninterest income to average assets | 0.1600% | 3,792 |
| Noninterest expense to average assets | 3.0969% | 1,002 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.0251% | 2,216 |
| Return on assets (ROA) | 1.0251% | 2,206 |
| Pretax return on assets | 1.0251% | 2,682 |
| Return on Equity (ROE) | 5.3200% | 3,479 |
| Retained earnings to average equity (ytd only) | 5.3180% | 2,485 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 75.1309% | 1,323 |
| Assets per employee ($millions) | 5.2903% | 3,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5032% | 82 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 32.1800% | 4,159 |
| Net loans and leases to deposits | 39.9410% | 4,128 |
| Net loans and leases to core deposits | 45.9622% | 4,066 |
| Total domestic deposits to total assets | 80.5800% | 3,540 |
| Equity capital to assets | 19.4237% | 295 |
| Core capital (leverage) ratio | 19.4190% | 272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.4019% | 127 |
| Memoranda: | ||
| Average total assets | $37,069,500 | 4,308 |
| Average earning assets | $36,331,500 | 4,273 |
| Average equity | $7,145,500 | 4,056 |
| Average total loans | $12,519,500 | 4,285 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4525% | 3,924 |
| Cost of funding earning assets | 0.5219% | 4,302 |
| Net interest margin | 3.9306% | 1,303 |
| Noninterest income to average assets | 0.1300% | 4,080 |
| Noninterest expense to average assets | 3.0313% | 1,100 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.9536% | 2,204 |
| Return on assets (ROA) | 0.9536% | 2,203 |
| Pretax return on assets | 0.9536% | 2,654 |
| Return on Equity (ROE) | 5.1700% | 3,473 |
| Retained earnings to average equity (ytd only) | 5.1665% | 2,172 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 76.0695% | 1,363 |
| Assets per employee ($millions) | 5.3010% | 3,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4749% | 90 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 32.3300% | 4,186 |
| Net loans and leases to deposits | 39.9780% | 4,155 |
| Net loans and leases to core deposits | 45.9391% | 4,097 |
| Total domestic deposits to total assets | 80.8700% | 3,436 |
| Equity capital to assets | 19.1285% | 300 |
| Core capital (leverage) ratio | 18.9817% | 292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.7461% | 136 |
| Memoranda: | ||
| Average total assets | $37,542,200 | 4,323 |
| Average earning assets | $36,788,000 | 4,284 |
| Average equity | $6,929,200 | 4,059 |
| Average total loans | $12,398,600 | 4,301 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4234% | 3,930 |
| Cost of funding earning assets | 0.5132% | 4,338 |
| Net interest margin | 3.9103% | 1,281 |
| Noninterest income to average assets | 0.1300% | 4,095 |
| Noninterest expense to average assets | 2.9002% | 1,253 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.0588% | 1,876 |
| Return on assets (ROA) | 1.0588% | 1,884 |
| Pretax return on assets | 1.0588% | 2,359 |
| Return on Equity (ROE) | 5.7900% | 3,363 |
| Retained earnings to average equity (ytd only) | 5.7885% | 2,167 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 73.2558% | 1,672 |
| Assets per employee ($millions) | 5.4100% | 3,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4617% | 90 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 31.7800% | 4,228 |
| Net loans and leases to deposits | 39.0321% | 4,211 |
| Net loans and leases to core deposits | 44.6464% | 4,150 |
| Total domestic deposits to total assets | 81.4100% | 3,223 |
| Equity capital to assets | 18.5873% | 315 |
| Core capital (leverage) ratio | 18.8023% | 298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.9401% | 139 |
| Memoranda: | ||
| Average total assets | $37,651,000 | 4,349 |
| Average earning assets | $36,893,500 | 4,312 |
| Average equity | $6,887,000 | 4,083 |
| Average total loans | $12,358,500 | 4,326 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4260% | 3,885 |
| Cost of funding earning assets | 0.5111% | 4,346 |
| Net interest margin | 3.9149% | 1,250 |
| Noninterest income to average assets | 0.1300% | 4,102 |
| Noninterest expense to average assets | 2.9219% | 1,214 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.0378% | 1,872 |
| Return on assets (ROA) | 1.0378% | 1,880 |
| Pretax return on assets | 1.0378% | 2,368 |
| Return on Equity (ROE) | 5.7000% | 3,359 |
| Retained earnings to average equity (ytd only) | 5.7048% | 2,124 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 73.7903% | 1,662 |
| Assets per employee ($millions) | 5.3871% | 3,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3944% | 89 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 32.4200% | 4,226 |
| Net loans and leases to deposits | 39.7303% | 4,204 |
| Net loans and leases to core deposits | 45.4265% | 4,134 |
| Total domestic deposits to total assets | 81.6100% | 3,159 |
| Equity capital to assets | 18.3903% | 329 |
| Core capital (leverage) ratio | 18.4850% | 320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.1052% | 138 |
| Memoranda: | ||
| Average total assets | $37,578,000 | 4,369 |
| Average earning assets | $36,782,333 | 4,333 |
| Average equity | $6,836,333 | 4,085 |
| Average total loans | $12,279,333 | 4,350 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3244% | 3,933 |
| Cost of funding earning assets | 0.4793% | 4,372 |
| Net interest margin | 3.8451% | 1,297 |
| Noninterest income to average assets | 0.1400% | 4,022 |
| Noninterest expense to average assets | 2.9004% | 1,226 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.0023% | 1,922 |
| Return on assets (ROA) | 1.0023% | 1,930 |
| Pretax return on assets | 1.0023% | 2,366 |
| Return on Equity (ROE) | 5.5400% | 3,335 |
| Retained earnings to average equity (ytd only) | 5.5400% | 2,253 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 74.3169% | 1,713 |
| Assets per employee ($millions) | 5.3949% | 3,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7543% | 47 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 29.8100% | 4,283 |
| Net loans and leases to deposits | 36.4063% | 4,254 |
| Net loans and leases to core deposits | 41.1905% | 4,254 |
| Total domestic deposits to total assets | 81.8900% | 3,196 |
| Equity capital to assets | 18.0966% | 342 |
| Core capital (leverage) ratio | 18.3898% | 318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.3820% | 137 |
| Memoranda: | ||
| Average total assets | $37,512,000 | 4,399 |
| Average earning assets | $36,722,000 | 4,357 |
| Average equity | $6,787,000 | 4,114 |
| Average total loans | $12,024,500 | 4,379 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1767% | 3,670 |
| Cost of funding earning assets | 0.2484% | 4,417 |
| Net interest margin | 3.9283% | 1,317 |
| Noninterest income to average assets | 0.7200% | 1,133 |
| Noninterest expense to average assets | 2.8210% | 1,453 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.7471% | 667 |
| Return on assets (ROA) | 1.7471% | 638 |
| Pretax return on assets | 1.7471% | 968 |
| Return on Equity (ROE) | 10.0900% | 2,475 |
| Retained earnings to average equity (ytd only) | 10.0873% | 1,000 |
| Net charge-offs to loans | -0.0277% | 4,249 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 61.7544% | 2,868 |
| Assets per employee ($millions) | 6.2100% | 2,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5960% | 49 |
| Loan loss allowance to noncurrent loans | 56,200.0000% | 26 |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 3,822 |
| Noncurrent loans to loans | 0.0082% | 3,713 |
| Net loans and leases to total assets | 31.3100% | 4,269 |
| Net loans and leases to deposits | 38.2241% | 4,236 |
| Net loans and leases to core deposits | 42.8582% | 4,229 |
| Total domestic deposits to total assets | 81.9100% | 3,145 |
| Equity capital to assets | 18.0891% | 343 |
| Core capital (leverage) ratio | 18.1500% | 339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.1855% | 144 |
| Memoranda: | ||
| Average total assets | $37,433,000 | 4,416 |
| Average earning assets | $36,631,800 | 4,368 |
| Average equity | $6,483,400 | 4,117 |
| Average total loans | $10,834,800 | 4,406 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1481% | 3,563 |
| Cost of funding earning assets | 0.1963% | 4,445 |
| Net interest margin | 3.9518% | 1,298 |
| Noninterest income to average assets | 0.9300% | 718 |
| Noninterest expense to average assets | 2.7679% | 1,502 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.0243% | 485 |
| Return on assets (ROA) | 2.0243% | 477 |
| Pretax return on assets | 2.0243% | 736 |
| Return on Equity (ROE) | 11.8200% | 2,175 |
| Retained earnings to average equity (ytd only) | 11.8183% | 1,007 |
| Net charge-offs to loans | -0.0381% | 4,308 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 57.7580% | 3,236 |
| Assets per employee ($millions) | 6.1587% | 2,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3019% | 38 |
| Loan loss allowance to noncurrent loans | 1,605.7143% | 615 |
| Noncurrent assets plus other real estate owned to assets | 0.0947% | 2,947 |
| Noncurrent loans to loans | 0.3302% | 2,050 |
| Net loans and leases to total assets | 27.1600% | 4,360 |
| Net loans and leases to deposits | 33.1440% | 4,341 |
| Net loans and leases to core deposits | 37.1764% | 4,308 |
| Total domestic deposits to total assets | 81.9600% | 3,217 |
| Equity capital to assets | 18.0099% | 343 |
| Core capital (leverage) ratio | 17.9816% | 358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.2922% | 132 |
| Memoranda: | ||
| Average total assets | $37,476,250 | 4,432 |
| Average earning assets | $36,674,750 | 4,389 |
| Average equity | $6,419,250 | 4,121 |
| Average total loans | $10,486,500 | 4,433 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2731% | 3,147 |
| Cost of funding earning assets | 0.1140% | 4,506 |
| Net interest margin | 4.1591% | 989 |
| Noninterest income to average assets | 1.3100% | 385 |
| Noninterest expense to average assets | 2.7569% | 1,506 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.6188% | 218 |
| Return on assets (ROA) | 2.6188% | 215 |
| Pretax return on assets | 2.6188% | 305 |
| Return on Equity (ROE) | 15.5500% | 1,352 |
| Retained earnings to average equity (ytd only) | 15.5504% | 509 |
| Net charge-offs to loans | -0.0574% | 4,405 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 51.2846% | 3,830 |
| Assets per employee ($millions) | 6.0852% | 2,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4075% | 40 |
| Loan loss allowance to noncurrent loans | 28,100.0000% | 59 |
| Noncurrent assets plus other real estate owned to assets | 0.0055% | 3,814 |
| Noncurrent loans to loans | 0.0192% | 3,623 |
| Net loans and leases to total assets | 26.9300% | 4,378 |
| Net loans and leases to deposits | 32.8587% | 4,356 |
| Net loans and leases to core deposits | 36.8948% | 4,313 |
| Total domestic deposits to total assets | 81.9500% | 3,241 |
| Equity capital to assets | 18.0192% | 341 |
| Core capital (leverage) ratio | 18.0030% | 338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.7144% | 129 |
| Memoranda: | ||
| Average total assets | $37,651,000 | 4,453 |
| Average earning assets | $36,835,333 | 4,411 |
| Average equity | $6,340,667 | 4,157 |
| Average total loans | $10,448,667 | 4,464 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4126% | 4,362 |
| Cost of funding earning assets | 0.0856% | 4,552 |
| Net interest margin | 3.3270% | 2,809 |
| Noninterest income to average assets | 2.4600% | 195 |
| Noninterest expense to average assets | 2.8780% | 1,279 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.8361% | 177 |
| Return on assets (ROA) | 2.8361% | 174 |
| Pretax return on assets | 2.8361% | 243 |
| Return on Equity (ROE) | 17.4200% | 1,110 |
| Retained earnings to average equity (ytd only) | 17.4235% | 564 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 50.3663% | 3,906 |
| Assets per employee ($millions) | 6.3093% | 2,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3652% | 37 |
| Loan loss allowance to noncurrent loans | 375.1678% | 1,961 |
| Noncurrent assets plus other real estate owned to assets | 0.3936% | 1,312 |
| Noncurrent loans to loans | 1.4301% | 462 |
| Net loans and leases to total assets | 26.0500% | 4,450 |
| Net loans and leases to deposits | 31.3105% | 4,421 |
| Net loans and leases to core deposits | 34.9385% | 4,381 |
| Total domestic deposits to total assets | 83.1900% | 3,257 |
| Equity capital to assets | 16.7926% | 357 |
| Core capital (leverage) ratio | 16.5289% | 423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.2222% | 139 |
| Memoranda: | ||
| Average total assets | $38,221,000 | 4,519 |
| Average earning assets | $37,390,500 | 4,474 |
| Average equity | $6,221,500 | 4,220 |
| Average total loans | $10,476,500 | 4,529 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4675% | 4,515 |
| Cost of funding earning assets | 0.0677% | 4,515 |
| Net interest margin | 2.3998% | 4,361 |
| Noninterest income to average assets | 0.5900% | 1,691 |
| Noninterest expense to average assets | 2.7786% | 1,359 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.1504% | 4,481 |
| Return on assets (ROA) | 0.1504% | 4,466 |
| Pretax return on assets | 0.1504% | 4,477 |
| Return on Equity (ROE) | 0.9400% | 4,496 |
| Retained earnings to average equity (ytd only) | 0.9405% | 4,213 |
| Net charge-offs to loans | 2.9518% | 19 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.1945% | 2,563 |
| Efficiency ratio | 94.8649% | 216 |
| Assets per employee ($millions) | 6.4310% | 2,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3066% | 35 |
| Loan loss allowance to noncurrent loans | 362.9870% | 1,949 |
| Noncurrent assets plus other real estate owned to assets | 0.3991% | 1,283 |
| Noncurrent loans to loans | 1.4619% | 448 |
| Net loans and leases to total assets | 25.8500% | 4,480 |
| Net loans and leases to deposits | 30.9629% | 4,454 |
| Net loans and leases to core deposits | 34.4571% | 4,408 |
| Total domestic deposits to total assets | 83.4900% | 3,313 |
| Equity capital to assets | 15.7726% | 403 |
| Core capital (leverage) ratio | 15.7652% | 480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.7622% | 154 |
| Memoranda: | ||
| Average total assets | $37,897,000 | 4,548 |
| Average earning assets | $36,920,000 | 4,508 |
| Average equity | $6,060,800 | 4,321 |
| Average total loans | $9,926,200 | 4,559 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2260% | 4,562 |
| Cost of funding earning assets | 0.0654% | 4,501 |
| Net interest margin | 2.1606% | 4,484 |
| Noninterest income to average assets | 0.7500% | 1,155 |
| Noninterest expense to average assets | 2.7108% | 1,446 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.1378% | 4,521 |
| Return on assets (ROA) | 0.1378% | 4,491 |
| Pretax return on assets | 0.1378% | 4,499 |
| Return on Equity (ROE) | 0.8600% | 4,505 |
| Retained earnings to average equity (ytd only) | 0.8588% | 4,239 |
| Net charge-offs to loans | 3.9968% | 11 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.1331% | 2,295 |
| Efficiency ratio | 95.1613% | 213 |
| Assets per employee ($millions) | 6.4625% | 2,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1008% | 39 |
| Loan loss allowance to noncurrent loans | 349.3750% | 1,988 |
| Noncurrent assets plus other real estate owned to assets | 0.4126% | 1,314 |
| Noncurrent loans to loans | 1.4600% | 488 |
| Net loans and leases to total assets | 26.8200% | 4,487 |
| Net loans and leases to deposits | 31.8130% | 4,470 |
| Net loans and leases to core deposits | 35.3417% | 4,413 |
| Total domestic deposits to total assets | 84.3100% | 3,430 |
| Equity capital to assets | 15.6493% | 398 |
| Core capital (leverage) ratio | 15.7007% | 480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.8796% | 157 |
| Memoranda: | ||
| Average total assets | $37,724,750 | 4,584 |
| Average earning assets | $36,717,000 | 4,542 |
| Average equity | $6,054,500 | 4,366 |
| Average total loans | $9,774,250 | 4,597 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9819% | 4,629 |
| Cost of funding earning assets | 0.0606% | 4,523 |
| Net interest margin | 1.9214% | 4,591 |
| Noninterest income to average assets | 1.0595% | 592 |
| Noninterest expense to average assets | 2.7291% | 1,317 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.1980% | 4,423 |
| Return on assets (ROA) | 0.1980% | 4,384 |
| Pretax return on assets | 0.1980% | 4,414 |
| Return on Equity (ROE) | 1.2231% | 4,436 |
| Retained earnings to average equity (ytd only) | 1.2231% | 3,942 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2358% | 314 |
| Assets per employee ($millions) | 6.5445% | 2,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.7772% | 12 |
| Loan loss allowance to noncurrent loans | 156.9061% | 2,956 |
| Noncurrent assets plus other real estate owned to assets | 1.3828% | 277 |
| Noncurrent loans to loans | 5.5939% | 44 |
| Net loans and leases to total assets | 22.5507% | 4,621 |
| Net loans and leases to deposits | 26.6797% | 4,605 |
| Net loans and leases to core deposits | 29.5867% | 4,577 |
| Total domestic deposits to total assets | 84.5239% | 3,583 |
| Equity capital to assets | 15.4481% | 371 |
| Core capital (leverage) ratio | 15.9300% | 380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.2800% | 106 |
| Memoranda: | ||
| Average total assets | $37,374,667 | 4,627 |
| Average earning assets | $36,328,000 | 4,608 |
| Average equity | $6,050,000 | 4,406 |
| Average total loans | $9,379,333 | 4,669 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9487% | 4,627 |
| Cost of funding earning assets | 0.0680% | 4,474 |
| Net interest margin | 1.8807% | 4,589 |
| Noninterest income to average assets | 1.2408% | 460 |
| Noninterest expense to average assets | 2.7780% | 1,203 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2855% | 4,175 |
| Return on assets (ROA) | 0.2855% | 4,148 |
| Pretax return on assets | 0.2855% | 4,205 |
| Return on Equity (ROE) | 1.7213% | 4,303 |
| Retained earnings to average equity (ytd only) | 1.7213% | 3,625 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6810% | 516 |
| Assets per employee ($millions) | 6.0825% | 2,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.1465% | 13 |
| Loan loss allowance to noncurrent loans | 168.0473% | 2,820 |
| Noncurrent assets plus other real estate owned to assets | 1.3892% | 272 |
| Noncurrent loans to loans | 5.4428% | 59 |
| Net loans and leases to total assets | 23.1895% | 4,627 |
| Net loans and leases to deposits | 27.8022% | 4,601 |
| Net loans and leases to core deposits | 29.9915% | 4,580 |
| Total domestic deposits to total assets | 83.4087% | 3,880 |
| Equity capital to assets | 16.5913% | 288 |
| Core capital (leverage) ratio | 16.6428% | 299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.6473% | 93 |
| Memoranda: | ||
| Average total assets | $36,428,500 | 4,660 |
| Average earning assets | $35,305,500 | 4,638 |
| Average equity | $6,042,000 | 4,461 |
| Average total loans | $9,215,500 | 4,696 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9426% | 4,688 |
| Cost of funding earning assets | 0.0628% | 4,627 |
| Net interest margin | 1.8798% | 4,642 |
| Noninterest income to average assets | 0.2709% | 3,772 |
| Noninterest expense to average assets | 3.0819% | 868 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | -0.9895% | 4,787 |
| Return on assets (ROA) | -0.9895% | 4,789 |
| Pretax return on assets | -0.9895% | 4,786 |
| Return on Equity (ROE) | -5.7540% | 4,783 |
| Retained earnings to average equity (ytd only) | -5.7540% | 4,720 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 147.2919% | 39 |
| Assets per employee ($millions) | 5.1946% | 3,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.3462% | 13 |
| Loan loss allowance to noncurrent loans | 166.0819% | 2,850 |
| Noncurrent assets plus other real estate owned to assets | 1.4108% | 312 |
| Noncurrent loans to loans | 5.6275% | 58 |
| Net loans and leases to total assets | 22.7270% | 4,677 |
| Net loans and leases to deposits | 27.2514% | 4,669 |
| Net loans and leases to core deposits | 29.4051% | 4,655 |
| Total domestic deposits to total assets | 83.3975% | 3,721 |
| Equity capital to assets | 16.5805% | 319 |
| Core capital (leverage) ratio | 16.5755% | 317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.1515% | 93 |
| Memoranda: | ||
| Average total assets | $36,179,000 | 4,695 |
| Average earning assets | $35,056,200 | 4,666 |
| Average equity | $6,221,800 | 4,510 |
| Average total loans | $8,204,600 | 4,751 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0026% | 4,762 |
| Cost of funding earning assets | 0.0609% | 4,734 |
| Net interest margin | 1.9417% | 4,704 |
| Noninterest income to average assets | 0.3358% | 3,426 |
| Noninterest expense to average assets | 3.0774% | 852 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | -0.8598% | 4,854 |
| Return on assets (ROA) | -0.8598% | 4,856 |
| Pretax return on assets | -0.8598% | 4,853 |
| Return on Equity (ROE) | -4.9547% | 4,843 |
| Retained earnings to average equity (ytd only) | -4.9547% | 4,780 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 138.7687% | 44 |
| Assets per employee ($millions) | 6.0810% | 2,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.4450% | 11 |
| Loan loss allowance to noncurrent loans | 1,577.7778% | 557 |
| Noncurrent assets plus other real estate owned to assets | 0.1480% | 3,122 |
| Noncurrent loans to loans | 0.6620% | 1,657 |
| Net loans and leases to total assets | 20.0214% | 4,797 |
| Net loans and leases to deposits | 24.0978% | 4,788 |
| Net loans and leases to core deposits | 26.0011% | 4,778 |
| Total domestic deposits to total assets | 83.0839% | 3,685 |
| Equity capital to assets | 16.8667% | 345 |
| Core capital (leverage) ratio | 16.9373% | 318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 48.3896% | 91 |
| Memoranda: | ||
| Average total assets | $36,133,250 | 4,769 |
| Average earning assets | $35,020,750 | 4,738 |
| Average equity | $6,270,000 | 4,568 |
| Average total loans | $7,976,750 | 4,823 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0284% | 4,799 |
| Cost of funding earning assets | 0.0630% | 4,777 |
| Net interest margin | 1.9654% | 4,722 |
| Noninterest income to average assets | 0.3332% | 3,431 |
| Noninterest expense to average assets | 3.1597% | 768 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -0.9218% | 4,896 |
| Return on assets (ROA) | -0.9218% | 4,898 |
| Pretax return on assets | -0.9218% | 4,892 |
| Return on Equity (ROE) | -5.2626% | 4,880 |
| Retained earnings to average equity (ytd only) | -5.2626% | 4,793 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 141.1911% | 40 |
| Assets per employee ($millions) | 5.1979% | 3,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.2297% | 9 |
| Loan loss allowance to noncurrent loans | 175.3086% | 2,651 |
| Noncurrent assets plus other real estate owned to assets | 1.3357% | 472 |
| Noncurrent loans to loans | 6.4057% | 51 |
| Net loans and leases to total assets | 18.5104% | 4,844 |
| Net loans and leases to deposits | 22.3331% | 4,844 |
| Net loans and leases to core deposits | 24.1061% | 4,836 |
| Total domestic deposits to total assets | 82.8831% | 3,731 |
| Equity capital to assets | 17.0977% | 319 |
| Core capital (leverage) ratio | 17.0813% | 302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 50.0235% | 82 |
| Memoranda: | ||
| Average total assets | $36,015,667 | 4,802 |
| Average earning assets | $34,904,667 | 4,768 |
| Average equity | $6,308,667 | 4,591 |
| Average total loans | $7,916,667 | 4,863 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1574% | 4,803 |
| Cost of funding earning assets | 0.0577% | 4,831 |
| Net interest margin | 2.0997% | 4,679 |
| Noninterest income to average assets | 0.5582% | 2,379 |
| Noninterest expense to average assets | 3.3602% | 552 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.7703% | 4,913 |
| Return on assets (ROA) | -0.7703% | 4,913 |
| Pretax return on assets | -0.7703% | 4,912 |
| Return on Equity (ROE) | -4.3447% | 4,899 |
| Retained earnings to average equity (ytd only) | -4.3447% | 4,674 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 129.7414% | 58 |
| Assets per employee ($millions) | 5.2130% | 3,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.9007% | 13 |
| Loan loss allowance to noncurrent loans | 635.8209% | 969 |
| Noncurrent assets plus other real estate owned to assets | 0.3672% | 2,328 |
| Noncurrent loans to loans | 1.7144% | 706 |
| Net loans and leases to total assets | 19.0842% | 4,867 |
| Net loans and leases to deposits | 23.0887% | 4,861 |
| Net loans and leases to core deposits | 24.9195% | 4,854 |
| Total domestic deposits to total assets | 82.6560% | 3,772 |
| Equity capital to assets | 17.3139% | 288 |
| Core capital (leverage) ratio | 17.6836% | 277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 51.7481% | 73 |
| Memoranda: | ||
| Average total assets | $35,831,000 | 4,823 |
| Average earning assets | $34,671,500 | 4,792 |
| Average equity | $6,352,500 | 4,602 |
| Average total loans | $8,081,500 | 4,885 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1870% | 4,466 |
| Cost of funding earning assets | 0.0854% | 4,898 |
| Net interest margin | 3.1016% | 3,620 |
| Noninterest income to average assets | 0.1511% | 4,539 |
| Noninterest expense to average assets | 3.4775% | 715 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | -0.3249% | 4,843 |
| Return on assets (ROA) | -0.3249% | 4,861 |
| Pretax return on assets | -0.3249% | 4,852 |
| Return on Equity (ROE) | -1.7629% | 4,839 |
| Retained earnings to average equity (ytd only) | -1.7629% | 4,690 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.3074% | 118 |
| Assets per employee ($millions) | 5.0244% | 3,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.2073% | 13 |
| Loan loss allowance to noncurrent loans | 591.6667% | 1,000 |
| Noncurrent assets plus other real estate owned to assets | 0.4094% | 2,361 |
| Noncurrent loans to loans | 1.7252% | 734 |
| Net loans and leases to total assets | 21.3102% | 4,873 |
| Net loans and leases to deposits | 26.0388% | 4,876 |
| Net loans and leases to core deposits | 28.2096% | 4,869 |
| Total domestic deposits to total assets | 81.8402% | 3,696 |
| Equity capital to assets | 18.1598% | 262 |
| Core capital (leverage) ratio | 17.9728% | 261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 51.4928% | 72 |
| Memoranda: | ||
| Average total assets | $35,082,600 | 4,829 |
| Average earning assets | $33,950,200 | 4,797 |
| Average equity | $6,466,800 | 4,588 |
| Average total loans | $10,026,200 | 4,893 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3842% | 4,367 |
| Cost of funding earning assets | 0.0904% | 4,940 |
| Net interest margin | 3.2938% | 3,213 |
| Noninterest income to average assets | 0.1825% | 4,379 |
| Noninterest expense to average assets | 3.5937% | 618 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | -0.2244% | 4,844 |
| Return on assets (ROA) | -0.2244% | 4,853 |
| Pretax return on assets | -0.2244% | 4,846 |
| Return on Equity (ROE) | -1.2127% | 4,840 |
| Retained earnings to average equity (ytd only) | -1.2127% | 4,634 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.6591% | 125 |
| Assets per employee ($millions) | 5.0860% | 3,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.1820% | 15 |
| Loan loss allowance to noncurrent loans | 2,302.7027% | 310 |
| Noncurrent assets plus other real estate owned to assets | 0.2668% | 3,105 |
| Noncurrent loans to loans | 0.3987% | 2,864 |
| Net loans and leases to total assets | 23.6700% | 4,896 |
| Net loans and leases to deposits | 28.9220% | 4,898 |
| Net loans and leases to core deposits | 31.3004% | 4,895 |
| Total domestic deposits to total assets | 81.8409% | 3,463 |
| Equity capital to assets | 18.0945% | 293 |
| Core capital (leverage) ratio | 18.0458% | 276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $35,060,500 | 4,856 |
| Average earning assets | $33,921,750 | 4,825 |
| Average equity | $6,486,750 | 4,606 |
| Average total loans | $10,446,000 | 4,917 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5630% | 4,324 |
| Cost of funding earning assets | 0.0949% | 4,976 |
| Net interest margin | 3.4682% | 2,892 |
| Noninterest income to average assets | 0.1892% | 4,329 |
| Noninterest expense to average assets | 3.6124% | 640 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -0.0688% | 4,818 |
| Return on assets (ROA) | -0.0688% | 4,824 |
| Pretax return on assets | -0.0688% | 4,815 |
| Return on Equity (ROE) | -0.3691% | 4,816 |
| Retained earnings to average equity (ytd only) | -0.3691% | 4,376 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.9417% | 161 |
| Assets per employee ($millions) | 3.9674% | 4,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.4685% | 14 |
| Loan loss allowance to noncurrent loans | 2,182.0513% | 288 |
| Noncurrent assets plus other real estate owned to assets | 0.2717% | 3,232 |
| Noncurrent loans to loans | 0.3881% | 3,015 |
| Net loans and leases to total assets | 25.7597% | 4,912 |
| Net loans and leases to deposits | 31.5086% | 4,916 |
| Net loans and leases to core deposits | 34.0919% | 4,903 |
| Total domestic deposits to total assets | 81.7543% | 3,438 |
| Equity capital to assets | 18.1729% | 289 |
| Core capital (leverage) ratio | 18.1907% | 281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.6605% | 94 |
| Memoranda: | ||
| Average total assets | $34,880,000 | 4,881 |
| Average earning assets | $33,735,333 | 4,845 |
| Average equity | $6,501,667 | 4,629 |
| Average total loans | $10,835,000 | 4,946 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8355% | 4,162 |
| Cost of funding earning assets | 0.0962% | 5,043 |
| Net interest margin | 3.7393% | 2,181 |
| Noninterest income to average assets | 0.2089% | 4,299 |
| Noninterest expense to average assets | 3.6557% | 746 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.1625% | 4,585 |
| Return on assets (ROA) | 0.1625% | 4,588 |
| Pretax return on assets | 0.1625% | 4,607 |
| Return on Equity (ROE) | 0.8605% | 4,645 |
| Retained earnings to average equity (ytd only) | 0.8605% | 3,777 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.7447% | 334 |
| Assets per employee ($millions) | 3.8090% | 4,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.6016% | 15 |
| Loan loss allowance to noncurrent loans | 2,075.6098% | 283 |
| Noncurrent assets plus other real estate owned to assets | 0.2888% | 3,294 |
| Noncurrent loans to loans | 0.3662% | 3,179 |
| Net loans and leases to total assets | 30.1741% | 4,906 |
| Net loans and leases to deposits | 37.2824% | 4,887 |
| Net loans and leases to core deposits | 40.5075% | 4,872 |
| Total domestic deposits to total assets | 80.9340% | 3,678 |
| Equity capital to assets | 19.0047% | 287 |
| Core capital (leverage) ratio | 18.8616% | 285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.4647% | 107 |
| Memoranda: | ||
| Average total assets | $34,466,500 | 4,920 |
| Average earning assets | $33,268,500 | 4,884 |
| Average equity | $6,508,000 | 4,664 |
| Average total loans | $11,228,000 | 4,978 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1297% | 3,981 |
| Cost of funding earning assets | 0.1263% | 5,071 |
| Net interest margin | 4.0034% | 1,849 |
| Noninterest income to average assets | 0.1833% | 4,567 |
| Noninterest expense to average assets | 3.4936% | 973 |
| Loan and lease loss provision to assets | 0.0639% | 2,754 |
| Net operating income to assets | 0.4999% | 4,405 |
| Return on assets (ROA) | 0.4999% | 4,458 |
| Pretax return on assets | 0.4999% | 4,581 |
| Return on Equity (ROE) | 2.7999% | 4,694 |
| Retained earnings to average equity (ytd only) | 2.7999% | 3,637 |
| Net charge-offs to loans | 0.3763% | 528 |
| Credit loss provision to net charge-offs | 52.2727% | 3,104 |
| Earnings coverage of net charge-offs (x) | 4.6136% | 3,196 |
| Efficiency ratio | 86.1054% | 534 |
| Assets per employee ($millions) | 3.8502% | 4,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.5571% | 11 |
| Loan loss allowance to noncurrent loans | 300.7067% | 1,522 |
| Noncurrent assets plus other real estate owned to assets | 0.9841% | 1,273 |
| Noncurrent loans to loans | 2.5131% | 426 |
| Net loans and leases to total assets | 30.0416% | 4,969 |
| Net loans and leases to deposits | 36.9962% | 4,958 |
| Net loans and leases to core deposits | 40.1450% | 4,943 |
| Total domestic deposits to total assets | 81.2017% | 3,722 |
| Equity capital to assets | 18.7608% | 313 |
| Core capital (leverage) ratio | 18.4808% | 309 |
| Tier 1 risk-based capital ratio | 44.3089% | 184 |
| Total risk-based capital ratio | 45.6107% | 183 |
| Memoranda: | ||
| Average total assets | $36,008,400 | 4,954 |
| Average earning assets | $34,845,400 | 4,918 |
| Average equity | $6,428,800 | 4,706 |
| Average total loans | $11,692,800 | 5,035 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1650% | 4,004 |
| Cost of funding earning assets | 0.1251% | 5,154 |
| Net interest margin | 4.0399% | 1,804 |
| Noninterest income to average assets | 0.1064% | 4,968 |
| Noninterest expense to average assets | 3.4151% | 1,059 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6016% | 4,290 |
| Return on assets (ROA) | 0.6016% | 4,343 |
| Pretax return on assets | 0.6016% | 4,540 |
| Return on Equity (ROE) | 3.4108% | 4,698 |
| Retained earnings to average equity (ytd only) | 3.4108% | 3,703 |
| Net charge-offs to loans | 0.5762% | 283 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 3.2156% | 3,124 |
| Efficiency ratio | 85.0228% | 550 |
| Assets per employee ($millions) | 4.0480% | 3,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.0029% | 14 |
| Loan loss allowance to noncurrent loans | 360.5263% | 1,292 |
| Noncurrent assets plus other real estate owned to assets | 0.9689% | 1,391 |
| Noncurrent loans to loans | 1.9424% | 711 |
| Net loans and leases to total assets | 29.9627% | 5,054 |
| Net loans and leases to deposits | 36.4986% | 5,056 |
| Net loans and leases to core deposits | 39.8394% | 5,038 |
| Total domestic deposits to total assets | 82.0927% | 3,452 |
| Equity capital to assets | 17.8003% | 410 |
| Core capital (leverage) ratio | 17.9526% | 358 |
| Tier 1 risk-based capital ratio | 42.0503% | 212 |
| Total risk-based capital ratio | 43.3472% | 209 |
| Memoranda: | ||
| Average total assets | $36,347,500 | 5,023 |
| Average earning assets | $35,181,500 | 4,983 |
| Average equity | $6,410,750 | 4,770 |
| Average total loans | $11,800,750 | 5,111 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1449% | 4,060 |
| Cost of funding earning assets | 0.1196% | 5,201 |
| Net interest margin | 4.0253% | 1,841 |
| Noninterest income to average assets | 0.2588% | 4,204 |
| Noninterest expense to average assets | 3.4252% | 1,063 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7269% | 3,909 |
| Return on assets (ROA) | 0.7269% | 3,971 |
| Pretax return on assets | 0.7269% | 4,267 |
| Return on Equity (ROE) | 4.1340% | 4,550 |
| Retained earnings to average equity (ytd only) | 4.1340% | 3,178 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4934% | 767 |
| Assets per employee ($millions) | 4.0231% | 3,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.5630% | 10 |
| Loan loss allowance to noncurrent loans | 309.5745% | 1,539 |
| Noncurrent assets plus other real estate owned to assets | 1.1075% | 1,226 |
| Noncurrent loans to loans | 2.4430% | 495 |
| Net loans and leases to total assets | 29.4686% | 5,107 |
| Net loans and leases to deposits | 35.8981% | 5,113 |
| Net loans and leases to core deposits | 39.1991% | 5,090 |
| Total domestic deposits to total assets | 82.0896% | 3,482 |
| Equity capital to assets | 17.8220% | 396 |
| Core capital (leverage) ratio | 17.7334% | 360 |
| Tier 1 risk-based capital ratio | 42.6560% | 201 |
| Total risk-based capital ratio | 43.9582% | 196 |
| Memoranda: | ||
| Average total assets | $36,319,330 | 5,064 |
| Average earning assets | $35,127,670 | 5,024 |
| Average equity | $6,386,000 | 4,798 |
| Average total loans | $11,821,670 | 5,155 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1411% | 4,030 |
| Cost of funding earning assets | 0.1138% | 5,262 |
| Net interest margin | 4.0273% | 1,772 |
| Noninterest income to average assets | 0.2529% | 4,202 |
| Noninterest expense to average assets | 3.4529% | 1,034 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6928% | 3,962 |
| Return on assets (ROA) | 0.6928% | 4,002 |
| Pretax return on assets | 0.6928% | 4,316 |
| Return on Equity (ROE) | 3.9669% | 4,580 |
| Retained earnings to average equity (ytd only) | 3.9669% | 3,323 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2891% | 765 |
| Assets per employee ($millions) | 4.0630% | 3,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.4027% | 12 |
| Loan loss allowance to noncurrent loans | 296.9388% | 1,576 |
| Noncurrent assets plus other real estate owned to assets | 1.1294% | 1,208 |
| Noncurrent loans to loans | 2.4930% | 525 |
| Net loans and leases to total assets | 29.8630% | 5,149 |
| Net loans and leases to deposits | 36.2093% | 5,146 |
| Net loans and leases to core deposits | 39.4808% | 5,120 |
| Total domestic deposits to total assets | 82.4733% | 3,589 |
| Equity capital to assets | 17.4584% | 395 |
| Core capital (leverage) ratio | 17.5611% | 364 |
| Tier 1 risk-based capital ratio | 41.6357% | 212 |
| Total risk-based capital ratio | 42.9401% | 208 |
| Memoranda: | ||
| Average total assets | $36,375,000 | 5,117 |
| Average earning assets | $35,160,000 | 5,075 |
| Average equity | $6,352,500 | 4,834 |
| Average total loans | $11,961,000 | 5,211 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8283% | 4,424 |
| Cost of funding earning assets | 0.0920% | 5,303 |
| Net interest margin | 3.7363% | 2,915 |
| Noninterest income to average assets | 0.2548% | 4,404 |
| Noninterest expense to average assets | 3.7086% | 763 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.1468% | 5,150 |
| Return on assets (ROA) | 0.1468% | 5,144 |
| Pretax return on assets | 0.1468% | 5,151 |
| Return on Equity (ROE) | 0.8477% | 5,178 |
| Retained earnings to average equity (ytd only) | 0.8477% | 4,760 |
| Net charge-offs to loans | 1.1888% | 104 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 0.3841% | 3,700 |
| Efficiency ratio | 96.1925% | 208 |
| Assets per employee ($millions) | 4.0203% | 3,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.1976% | 12 |
| Loan loss allowance to noncurrent loans | 324.5353% | 1,547 |
| Noncurrent assets plus other real estate owned to assets | 1.0723% | 1,263 |
| Noncurrent loans to loans | 2.2178% | 582 |
| Net loans and leases to total assets | 31.1085% | 5,187 |
| Net loans and leases to deposits | 37.7035% | 5,161 |
| Net loans and leases to core deposits | 40.6941% | 5,152 |
| Total domestic deposits to total assets | 82.5084% | 3,482 |
| Equity capital to assets | 17.4695% | 380 |
| Core capital (leverage) ratio | 17.4512% | 370 |
| Tier 1 risk-based capital ratio | 40.6809% | 221 |
| Total risk-based capital ratio | 41.9809% | 217 |
| Memoranda: | ||
| Average total assets | $36,105,600 | 5,156 |
| Average earning assets | $34,793,600 | 5,117 |
| Average equity | $6,252,000 | 4,857 |
| Average total loans | $11,608,000 | 5,257 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5362% | 4,894 |
| Cost of funding earning assets | 0.0921% | 5,365 |
| Net interest margin | 3.4442% | 3,879 |
| Noninterest income to average assets | 0.1404% | 5,071 |
| Noninterest expense to average assets | 3.6984% | 759 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | -0.2401% | 5,351 |
| Return on assets (ROA) | -0.2401% | 5,350 |
| Pretax return on assets | -0.2401% | 5,347 |
| Return on Equity (ROE) | -1.3900% | 5,340 |
| Retained earnings to average equity (ytd only) | -1.3900% | 5,154 |
| Net charge-offs to loans | 1.3010% | 98 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | -0.5803% | 3,430 |
| Efficiency ratio | 106.9444% | 99 |
| Assets per employee ($millions) | 3.9220% | 4,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.9925% | 11 |
| Loan loss allowance to noncurrent loans | 168.6679% | 2,532 |
| Noncurrent assets plus other real estate owned to assets | 1.8755% | 601 |
| Noncurrent loans to loans | 4.7386% | 144 |
| Net loans and leases to total assets | 29.3189% | 5,290 |
| Net loans and leases to deposits | 35.6248% | 5,280 |
| Net loans and leases to core deposits | 37.1504% | 5,281 |
| Total domestic deposits to total assets | 82.2993% | 3,521 |
| Equity capital to assets | 17.5732% | 371 |
| Core capital (leverage) ratio | 17.7137% | 356 |
| Tier 1 risk-based capital ratio | 41.4445% | 211 |
| Total risk-based capital ratio | 42.7474% | 209 |
| Memoranda: | ||
| Average total assets | $36,086,250 | 5,220 |
| Average earning assets | $34,763,250 | 5,179 |
| Average equity | $6,234,750 | 4,913 |
| Average total loans | $11,477,750 | 5,324 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4470% | 4,981 |
| Cost of funding earning assets | 0.1027% | 5,403 |
| Net interest margin | 3.3442% | 4,125 |
| Noninterest income to average assets | 0.1155% | 5,208 |
| Noninterest expense to average assets | 3.5434% | 938 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -0.2036% | 5,395 |
| Return on assets (ROA) | -0.2036% | 5,393 |
| Pretax return on assets | -0.2036% | 5,391 |
| Return on Equity (ROE) | -1.1849% | 5,382 |
| Retained earnings to average equity (ytd only) | -1.1849% | 5,088 |
| Net charge-offs to loans | 1.9387% | 54 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | -0.3304% | 3,148 |
| Efficiency ratio | 106.0956% | 114 |
| Assets per employee ($millions) | 3.8958% | 4,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.7971% | 13 |
| Loan loss allowance to noncurrent loans | 164.0511% | 2,600 |
| Noncurrent assets plus other real estate owned to assets | 1.9309% | 570 |
| Noncurrent loans to loans | 4.7528% | 151 |
| Net loans and leases to total assets | 30.3206% | 5,318 |
| Net loans and leases to deposits | 36.9132% | 5,309 |
| Net loans and leases to core deposits | 38.5097% | 5,314 |
| Total domestic deposits to total assets | 82.1402% | 3,669 |
| Equity capital to assets | 17.7714% | 347 |
| Core capital (leverage) ratio | 17.6206% | 339 |
| Tier 1 risk-based capital ratio | 40.8724% | 217 |
| Total risk-based capital ratio | 42.1778% | 215 |
| Memoranda: | ||
| Average total assets | $36,349,000 | 5,278 |
| Average earning assets | $35,045,330 | 5,233 |
| Average equity | $6,245,330 | 4,964 |
| Average total loans | $11,554,330 | 5,381 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2709% | 5,170 |
| Cost of funding earning assets | 0.1120% | 5,421 |
| Net interest margin | 3.1589% | 4,582 |
| Noninterest income to average assets | 0.1081% | 5,297 |
| Noninterest expense to average assets | 3.4926% | 1,018 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.3352% | 5,474 |
| Return on assets (ROA) | -0.3352% | 5,470 |
| Pretax return on assets | -0.3352% | 5,474 |
| Return on Equity (ROE) | -1.9832% | 5,450 |
| Retained earnings to average equity (ytd only) | -1.9832% | 5,011 |
| Net charge-offs to loans | 3.8733% | 26 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | -0.2768% | 2,663 |
| Efficiency ratio | 110.6164% | 101 |
| Assets per employee ($millions) | 4.0999% | 3,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.7984% | 13 |
| Loan loss allowance to noncurrent loans | 113.7975% | 3,217 |
| Noncurrent assets plus other real estate owned to assets | 2.4906% | 375 |
| Noncurrent loans to loans | 6.8529% | 76 |
| Net loans and leases to total assets | 28.8057% | 5,392 |
| Net loans and leases to deposits | 34.6945% | 5,382 |
| Net loans and leases to core deposits | 36.0966% | 5,392 |
| Total domestic deposits to total assets | 83.0266% | 3,656 |
| Equity capital to assets | 16.9029% | 406 |
| Core capital (leverage) ratio | 16.8454% | 402 |
| Tier 1 risk-based capital ratio | 46.1317% | 162 |
| Total risk-based capital ratio | 47.4482% | 156 |
| Memoranda: | ||
| Average total assets | $36,992,500 | 5,327 |
| Average earning assets | $35,709,000 | 5,278 |
| Average equity | $6,252,500 | 5,016 |
| Average total loans | $11,566,500 | 5,444 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2788% | 5,107 |
| Cost of funding earning assets | 0.1178% | 5,425 |
| Net interest margin | 3.1610% | 4,548 |
| Noninterest income to average assets | 0.1846% | 5,033 |
| Noninterest expense to average assets | 3.2059% | 1,596 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -1.9552% | 5,639 |
| Return on assets (ROA) | -1.9552% | 5,638 |
| Pretax return on assets | -0.0208% | 5,447 |
| Return on Equity (ROE) | -10.9698% | 5,597 |
| Retained earnings to average equity (ytd only) | -10.9698% | 5,546 |
| Net charge-offs to loans | 0.2127% | 1,221 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | -0.2857% | 4,027 |
| Efficiency ratio | 100.6531% | 165 |
| Assets per employee ($millions) | 4.1207% | 3,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.7118% | 9 |
| Loan loss allowance to noncurrent loans | 147.8070% | 2,828 |
| Noncurrent assets plus other real estate owned to assets | 2.2623% | 446 |
| Noncurrent loans to loans | 5.8940% | 95 |
| Net loans and leases to total assets | 28.5660% | 5,455 |
| Net loans and leases to deposits | 34.3928% | 5,456 |
| Net loans and leases to core deposits | 35.7748% | 5,464 |
| Total domestic deposits to total assets | 83.0583% | 3,543 |
| Equity capital to assets | 16.9013% | 408 |
| Core capital (leverage) ratio | 16.5636% | 408 |
| Tier 1 risk-based capital ratio | 45.8657% | 150 |
| Total risk-based capital ratio | 47.1901% | 148 |
| Memoranda: | ||
| Average total assets | $38,460,600 | 5,352 |
| Average earning assets | $36,507,400 | 5,327 |
| Average equity | $6,855,200 | 4,963 |
| Average total loans | $13,163,800 | 5,481 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3005% | 5,113 |
| Cost of funding earning assets | 0.1200% | 5,477 |
| Net interest margin | 3.1805% | 4,508 |
| Noninterest income to average assets | 0.2371% | 4,787 |
| Noninterest expense to average assets | 3.3466% | 1,253 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -0.1031% | 5,550 |
| Return on assets (ROA) | -0.1031% | 5,552 |
| Pretax return on assets | -0.1031% | 5,543 |
| Return on Equity (ROE) | -0.5713% | 5,541 |
| Retained earnings to average equity (ytd only) | -0.5713% | 5,301 |
| Net charge-offs to loans | -0.2164% | 5,556 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.1780% | 146 |
| Assets per employee ($millions) | 4.2211% | 3,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.3320% | 8 |
| Loan loss allowance to noncurrent loans | 309.3294% | 1,549 |
| Noncurrent assets plus other real estate owned to assets | 1.3740% | 1,142 |
| Noncurrent loans to loans | 2.6936% | 530 |
| Net loans and leases to total assets | 30.7265% | 5,482 |
| Net loans and leases to deposits | 37.6840% | 5,467 |
| Net loans and leases to core deposits | 39.1896% | 5,477 |
| Total domestic deposits to total assets | 81.5372% | 3,908 |
| Equity capital to assets | 18.3996% | 304 |
| Core capital (leverage) ratio | 18.5244% | 274 |
| Tier 1 risk-based capital ratio | 46.3712% | 152 |
| Total risk-based capital ratio | 47.6914% | 152 |
| Memoranda: | ||
| Average total assets | $38,804,250 | 5,406 |
| Average earning assets | $36,680,750 | 5,383 |
| Average equity | $7,002,000 | 4,997 |
| Average total loans | $13,553,500 | 5,536 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2594% | 5,169 |
| Cost of funding earning assets | 0.1191% | 5,516 |
| Net interest margin | 3.1403% | 4,573 |
| Noninterest income to average assets | 0.1843% | 5,130 |
| Noninterest expense to average assets | 3.3166% | 1,343 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -0.1638% | 5,608 |
| Return on assets (ROA) | -0.1638% | 5,609 |
| Pretax return on assets | -0.1638% | 5,600 |
| Return on Equity (ROE) | -0.9135% | 5,588 |
| Retained earnings to average equity (ytd only) | -0.9135% | 5,222 |
| Net charge-offs to loans | -1.2006% | 5,737 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.1948% | 137 |
| Assets per employee ($millions) | 4.2497% | 3,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.4673% | 7 |
| Loan loss allowance to noncurrent loans | 392.3077% | 1,276 |
| Noncurrent assets plus other real estate owned to assets | 1.2158% | 1,399 |
| Noncurrent loans to loans | 2.1583% | 754 |
| Net loans and leases to total assets | 31.7123% | 5,504 |
| Net loans and leases to deposits | 38.8041% | 5,485 |
| Net loans and leases to core deposits | 40.3386% | 5,490 |
| Total domestic deposits to total assets | 81.7241% | 3,969 |
| Equity capital to assets | 18.2707% | 308 |
| Core capital (leverage) ratio | 18.2951% | 291 |
| Tier 1 risk-based capital ratio | 45.1013% | 159 |
| Total risk-based capital ratio | 46.4244% | 158 |
| Memoranda: | ||
| Average total assets | $39,075,670 | 5,440 |
| Average earning assets | $36,939,000 | 5,420 |
| Average equity | $7,006,000 | 5,023 |
| Average total loans | $13,826,670 | 5,577 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2635% | 5,157 |
| Cost of funding earning assets | 0.1284% | 5,503 |
| Net interest margin | 3.1351% | 4,546 |
| Noninterest income to average assets | 0.2431% | 4,786 |
| Noninterest expense to average assets | 3.3122% | 1,364 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.1013% | 5,650 |
| Return on assets (ROA) | -0.1013% | 5,654 |
| Pretax return on assets | -0.1013% | 5,644 |
| Return on Equity (ROE) | -0.5702% | 5,642 |
| Retained earnings to average equity (ytd only) | -0.5702% | 5,009 |
| Net charge-offs to loans | -2.3522% | 5,808 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.1546% | 188 |
| Assets per employee ($millions) | 4.3506% | 3,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.2006% | 10 |
| Loan loss allowance to noncurrent loans | 215.7692% | 2,118 |
| Noncurrent assets plus other real estate owned to assets | 1.7852% | 801 |
| Noncurrent loans to loans | 3.8006% | 289 |
| Net loans and leases to total assets | 32.0776% | 5,537 |
| Net loans and leases to deposits | 39.1277% | 5,503 |
| Net loans and leases to core deposits | 40.6315% | 5,503 |
| Total domestic deposits to total assets | 81.9819% | 4,174 |
| Equity capital to assets | 17.9032% | 312 |
| Core capital (leverage) ratio | 17.7792% | 304 |
| Tier 1 risk-based capital ratio | 43.1305% | 188 |
| Total risk-based capital ratio | 44.4472% | 184 |
| Memoranda: | ||
| Average total assets | $39,490,000 | 5,505 |
| Average earning assets | $37,383,000 | 5,478 |
| Average equity | $7,015,000 | 5,059 |
| Average total loans | $14,114,500 | 5,632 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3723% | 5,035 |
| Cost of funding earning assets | 0.1424% | 5,470 |
| Net interest margin | 3.2299% | 4,356 |
| Noninterest income to average assets | 0.4706% | 3,405 |
| Noninterest expense to average assets | 3.7360% | 838 |
| Loan and lease loss provision to assets | 0.0052% | 4,251 |
| Net operating income to assets | -0.3268% | 5,748 |
| Return on assets (ROA) | -0.3268% | 5,757 |
| Pretax return on assets | -0.2458% | 5,726 |
| Return on Equity (ROE) | -1.7636% | 5,730 |
| Retained earnings to average equity (ytd only) | -1.7636% | 5,515 |
| Net charge-offs to loans | 0.0393% | 3,240 |
| Credit loss provision to net charge-offs | 33.3333% | 3,554 |
| Earnings coverage of net charge-offs (x) | -15.3333% | 4,248 |
| Efficiency ratio | 106.8811% | 151 |
| Assets per employee ($millions) | 3.9825% | 3,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.1424% | 13 |
| Loan loss allowance to noncurrent loans | 122.5236% | 3,216 |
| Noncurrent assets plus other real estate owned to assets | 2.5788% | 452 |
| Noncurrent loans to loans | 5.8294% | 110 |
| Net loans and leases to total assets | 33.9184% | 5,548 |
| Net loans and leases to deposits | 41.2143% | 5,511 |
| Net loans and leases to core deposits | 42.7644% | 5,527 |
| Total domestic deposits to total assets | 82.2976% | 3,993 |
| Equity capital to assets | 17.6271% | 330 |
| Core capital (leverage) ratio | 17.5531% | 311 |
| Tier 1 risk-based capital ratio | 39.7644% | 222 |
| Total risk-based capital ratio | 41.0672% | 218 |
| Memoranda: | ||
| Average total assets | $38,249,000 | 5,572 |
| Average earning assets | $35,821,200 | 5,546 |
| Average equity | $7,087,600 | 5,077 |
| Average total loans | $15,248,200 | 5,661 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5084% | 4,781 |
| Cost of funding earning assets | 0.1434% | 5,520 |
| Net interest margin | 3.3650% | 3,969 |
| Noninterest income to average assets | 0.5248% | 3,080 |
| Noninterest expense to average assets | 3.7687% | 774 |
| Loan and lease loss provision to assets | 0.0071% | 4,086 |
| Net operating income to assets | -0.2184% | 5,798 |
| Return on assets (ROA) | -0.2184% | 5,810 |
| Pretax return on assets | -0.1092% | 5,774 |
| Return on Equity (ROE) | -1.1635% | 5,790 |
| Retained earnings to average equity (ytd only) | -1.1635% | 5,513 |
| Net charge-offs to loans | 0.1470% | 1,525 |
| Credit loss provision to net charge-offs | 11.7647% | 3,355 |
| Earnings coverage of net charge-offs (x) | -1.7058% | 3,866 |
| Efficiency ratio | 102.7858% | 190 |
| Assets per employee ($millions) | 3.7604% | 4,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7694% | 15 |
| Loan loss allowance to noncurrent loans | 191.0781% | 2,322 |
| Noncurrent assets plus other real estate owned to assets | 2.5848% | 519 |
| Noncurrent loans to loans | 3.5427% | 356 |
| Net loans and leases to total assets | 37.6502% | 5,484 |
| Net loans and leases to deposits | 46.4822% | 5,440 |
| Net loans and leases to core deposits | 48.3670% | 5,443 |
| Total domestic deposits to total assets | 80.9994% | 4,245 |
| Equity capital to assets | 18.8358% | 277 |
| Core capital (leverage) ratio | 18.8890% | 237 |
| Tier 1 risk-based capital ratio | 39.9290% | 225 |
| Total risk-based capital ratio | 41.2312% | 221 |
| Memoranda: | ||
| Average total assets | $37,855,000 | 5,636 |
| Average earning assets | $35,343,000 | 5,614 |
| Average equity | $7,104,500 | 5,123 |
| Average total loans | $15,423,500 | 5,711 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5594% | 4,710 |
| Cost of funding earning assets | 0.1469% | 5,568 |
| Net interest margin | 3.4125% | 3,844 |
| Noninterest income to average assets | 0.5957% | 2,642 |
| Noninterest expense to average assets | 3.7587% | 814 |
| Loan and lease loss provision to assets | 0.0105% | 3,884 |
| Net operating income to assets | -0.1529% | 5,841 |
| Return on assets (ROA) | -0.1529% | 5,852 |
| Pretax return on assets | 0.0105% | 5,785 |
| Return on Equity (ROE) | -0.8156% | 5,830 |
| Retained earnings to average equity (ytd only) | -0.8156% | 5,416 |
| Net charge-offs to loans | 0.1548% | 1,406 |
| Credit loss provision to net charge-offs | 16.6667% | 2,956 |
| Earnings coverage of net charge-offs (x) | 0.3333% | 3,526 |
| Efficiency ratio | 99.4421% | 252 |
| Assets per employee ($millions) | 3.4159% | 4,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6371% | 20 |
| Loan loss allowance to noncurrent loans | 195.6439% | 2,325 |
| Noncurrent assets plus other real estate owned to assets | 2.5602% | 531 |
| Noncurrent loans to loans | 3.3924% | 393 |
| Net loans and leases to total assets | 38.6720% | 5,484 |
| Net loans and leases to deposits | 47.7931% | 5,425 |
| Net loans and leases to core deposits | 49.7330% | 5,445 |
| Total domestic deposits to total assets | 80.9155% | 4,302 |
| Equity capital to assets | 18.9408% | 267 |
| Core capital (leverage) ratio | 18.6764% | 248 |
| Tier 1 risk-based capital ratio | 39.7376% | 235 |
| Total risk-based capital ratio | 41.0385% | 231 |
| Memoranda: | ||
| Average total assets | $37,938,670 | 5,702 |
| Average earning assets | $35,399,330 | 5,681 |
| Average equity | $7,111,670 | 5,171 |
| Average total loans | $15,502,670 | 5,776 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1885% | 5,498 |
| Cost of funding earning assets | 0.1465% | 5,635 |
| Net interest margin | 3.0420% | 5,022 |
| Noninterest income to average assets | 0.1679% | 5,485 |
| Noninterest expense to average assets | 3.7565% | 832 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.7555% | 6,008 |
| Return on assets (ROA) | -0.7555% | 6,010 |
| Pretax return on assets | -0.7555% | 5,999 |
| Return on Equity (ROE) | -4.0512% | 5,960 |
| Retained earnings to average equity (ytd only) | -4.0512% | 5,551 |
| Net charge-offs to loans | 0.4395% | 519 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -4.2353% | 3,039 |
| Efficiency ratio | 125.1748% | 84 |
| Assets per employee ($millions) | 3.4991% | 4,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7385% | 21 |
| Loan loss allowance to noncurrent loans | 165.2174% | 2,566 |
| Noncurrent assets plus other real estate owned to assets | 2.7488% | 502 |
| Noncurrent loans to loans | 4.0785% | 292 |
| Net loans and leases to total assets | 36.8927% | 5,599 |
| Net loans and leases to deposits | 45.2633% | 5,545 |
| Net loans and leases to core deposits | 47.5600% | 5,529 |
| Total domestic deposits to total assets | 81.5069% | 4,357 |
| Equity capital to assets | 18.3762% | 298 |
| Core capital (leverage) ratio | 18.5789% | 254 |
| Tier 1 risk-based capital ratio | 39.6936% | 236 |
| Total risk-based capital ratio | 40.9956% | 231 |
| Memoranda: | ||
| Average total assets | $38,120,500 | 5,756 |
| Average earning assets | $35,502,500 | 5,731 |
| Average equity | $7,109,000 | 5,211 |
| Average total loans | $15,472,000 | 5,830 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5053% | 4,906 |
| Cost of funding earning assets | 0.1587% | 5,625 |
| Net interest margin | 3.3466% | 4,124 |
| Noninterest income to average assets | 0.2162% | 5,295 |
| Noninterest expense to average assets | 3.8648% | 794 |
| Loan and lease loss provision to assets | -0.0347% | 5,705 |
| Net operating income to assets | -0.3363% | 5,997 |
| Return on assets (ROA) | -0.3363% | 6,002 |
| Pretax return on assets | -0.5178% | 6,047 |
| Return on Equity (ROE) | -1.7483% | 5,972 |
| Retained earnings to average equity (ytd only) | -1.7483% | 5,733 |
| Net charge-offs to loans | -0.0465% | 5,528 |
| Credit loss provision to net charge-offs | 162.5000% | 1,653 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.6801% | 102 |
| Assets per employee ($millions) | 3.4319% | 4,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6357% | 22 |
| Loan loss allowance to noncurrent loans | 121.5618% | 3,238 |
| Noncurrent assets plus other real estate owned to assets | 3.1787% | 401 |
| Noncurrent loans to loans | 5.4587% | 169 |
| Net loans and leases to total assets | 38.8731% | 5,583 |
| Net loans and leases to deposits | 47.9873% | 5,486 |
| Net loans and leases to core deposits | 50.4868% | 5,475 |
| Total domestic deposits to total assets | 81.0071% | 4,481 |
| Equity capital to assets | 18.9267% | 254 |
| Core capital (leverage) ratio | 18.3826% | 270 |
| Tier 1 risk-based capital ratio | 37.3845% | 272 |
| Total risk-based capital ratio | 38.6862% | 269 |
| Memoranda: | ||
| Average total assets | $37,466,000 | 5,814 |
| Average earning assets | $34,662,200 | 5,797 |
| Average equity | $7,207,000 | 5,207 |
| Average total loans | $17,199,200 | 5,823 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5774% | 4,801 |
| Cost of funding earning assets | 0.1582% | 5,723 |
| Net interest margin | 3.4191% | 3,873 |
| Noninterest income to average assets | 0.1961% | 5,473 |
| Noninterest expense to average assets | 3.9042% | 741 |
| Loan and lease loss provision to assets | -0.0463% | 5,906 |
| Net operating income to assets | -0.3280% | 6,092 |
| Return on assets (ROA) | -0.3280% | 6,105 |
| Pretax return on assets | -0.5027% | 6,133 |
| Return on Equity (ROE) | -1.6983% | 6,053 |
| Retained earnings to average equity (ytd only) | -1.6983% | 5,825 |
| Net charge-offs to loans | -0.0607% | 5,605 |
| Credit loss provision to net charge-offs | 162.5000% | 1,581 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.3656% | 107 |
| Assets per employee ($millions) | 3.3790% | 5,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1636% | 31 |
| Loan loss allowance to noncurrent loans | 120.9977% | 3,245 |
| Noncurrent assets plus other real estate owned to assets | 3.3227% | 407 |
| Noncurrent loans to loans | 5.0940% | 198 |
| Net loans and leases to total assets | 42.7211% | 5,446 |
| Net loans and leases to deposits | 53.0627% | 5,312 |
| Net loans and leases to core deposits | 55.8982% | 5,312 |
| Total domestic deposits to total assets | 80.5106% | 4,600 |
| Equity capital to assets | 19.3145% | 261 |
| Core capital (leverage) ratio | 19.1721% | 234 |
| Tier 1 risk-based capital ratio | 37.6080% | 291 |
| Total risk-based capital ratio | 38.9072% | 286 |
| Memoranda: | ||
| Average total assets | $37,394,750 | 5,892 |
| Average earning assets | $34,549,750 | 5,879 |
| Average equity | $7,222,500 | 5,274 |
| Average total loans | $17,569,500 | 5,878 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5636% | 4,825 |
| Cost of funding earning assets | 0.1615% | 5,766 |
| Net interest margin | 3.4021% | 3,902 |
| Noninterest income to average assets | 0.1761% | 5,644 |
| Noninterest expense to average assets | 3.8751% | 793 |
| Loan and lease loss provision to assets | -0.0694% | 6,051 |
| Net operating income to assets | -0.3096% | 6,138 |
| Return on assets (ROA) | -0.3096% | 6,153 |
| Pretax return on assets | -0.4804% | 6,184 |
| Return on Equity (ROE) | -1.6029% | 6,113 |
| Retained earnings to average equity (ytd only) | -1.6029% | 5,788 |
| Net charge-offs to loans | -0.0900% | 5,747 |
| Credit loss provision to net charge-offs | 162.5000% | 1,454 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.5329% | 124 |
| Assets per employee ($millions) | 3.3927% | 4,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1454% | 33 |
| Loan loss allowance to noncurrent loans | 125.8142% | 3,176 |
| Noncurrent assets plus other real estate owned to assets | 3.2556% | 471 |
| Noncurrent loans to loans | 4.8845% | 243 |
| Net loans and leases to total assets | 42.6822% | 5,455 |
| Net loans and leases to deposits | 53.0118% | 5,313 |
| Net loans and leases to core deposits | 55.8305% | 5,322 |
| Total domestic deposits to total assets | 80.5145% | 4,743 |
| Equity capital to assets | 19.3274% | 251 |
| Core capital (leverage) ratio | 18.7030% | 251 |
| Tier 1 risk-based capital ratio | 37.9492% | 294 |
| Total risk-based capital ratio | 39.2487% | 291 |
| Memoranda: | ||
| Average total assets | $37,470,000 | 5,960 |
| Average earning assets | $34,684,000 | 5,939 |
| Average equity | $7,237,000 | 5,311 |
| Average total loans | $17,785,330 | 5,935 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7346% | 4,249 |
| Cost of funding earning assets | 0.1609% | 5,835 |
| Net interest margin | 3.5737% | 3,108 |
| Noninterest income to average assets | 0.1705% | 5,700 |
| Noninterest expense to average assets | 3.9739% | 719 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.3303% | 6,198 |
| Return on assets (ROA) | -0.3303% | 6,212 |
| Pretax return on assets | -0.4901% | 6,241 |
| Return on Equity (ROE) | -1.7106% | 6,159 |
| Retained earnings to average equity (ytd only) | -1.7106% | 5,650 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.0673% | 164 |
| Assets per employee ($millions) | 3.4043% | 5,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8397% | 44 |
| Loan loss allowance to noncurrent loans | 165.2997% | 2,582 |
| Noncurrent assets plus other real estate owned to assets | 2.4461% | 884 |
| Noncurrent loans to loans | 3.5328% | 543 |
| Net loans and leases to total assets | 45.1251% | 5,264 |
| Net loans and leases to deposits | 56.0149% | 5,050 |
| Net loans and leases to core deposits | 59.7609% | 5,008 |
| Total domestic deposits to total assets | 80.5592% | 4,924 |
| Equity capital to assets | 19.3340% | 252 |
| Core capital (leverage) ratio | 18.8341% | 247 |
| Tier 1 risk-based capital ratio | 35.9377% | 336 |
| Total risk-based capital ratio | 37.2332% | 332 |
| Memoranda: | ||
| Average total assets | $37,545,000 | 6,015 |
| Average earning assets | $34,809,500 | 5,995 |
| Average equity | $7,249,000 | 5,352 |
| Average total loans | $18,192,000 | 5,969 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7058% | 4,764 |
| Cost of funding earning assets | 0.1767% | 5,930 |
| Net interest margin | 3.5291% | 3,689 |
| Noninterest income to average assets | 0.2712% | 5,184 |
| Noninterest expense to average assets | 3.9505% | 805 |
| Loan and lease loss provision to assets | -0.0209% | 5,939 |
| Net operating income to assets | -0.2764% | 6,231 |
| Return on assets (ROA) | -0.2764% | 6,231 |
| Pretax return on assets | -0.3781% | 6,247 |
| Return on Equity (ROE) | -1.4507% | 6,187 |
| Retained earnings to average equity (ytd only) | -1.4507% | 5,963 |
| Net charge-offs to loans | 0.2836% | 1,530 |
| Credit loss provision to net charge-offs | -14.8148% | 5,331 |
| Earnings coverage of net charge-offs (x) | -2.8333% | 4,854 |
| Efficiency ratio | 111.2335% | 201 |
| Assets per employee ($millions) | 3.1369% | 5,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6839% | 48 |
| Loan loss allowance to noncurrent loans | 185.1590% | 2,382 |
| Noncurrent assets plus other real estate owned to assets | 2.2660% | 1,062 |
| Noncurrent loans to loans | 3.0697% | 728 |
| Net loans and leases to total assets | 46.1972% | 5,308 |
| Net loans and leases to deposits | 57.2755% | 5,105 |
| Net loans and leases to core deposits | 60.2836% | 5,125 |
| Total domestic deposits to total assets | 80.6578% | 4,841 |
| Equity capital to assets | 19.2811% | 254 |
| Core capital (leverage) ratio | 19.2811% | 234 |
| Tier 1 risk-based capital ratio | 35.8756% | 315 |
| Total risk-based capital ratio | 37.1756% | 310 |
| Memoranda: | ||
| Average total assets | $38,349,800 | 6,069 |
| Average earning assets | $35,646,800 | 6,044 |
| Average equity | $7,306,800 | 5,346 |
| Average total loans | $19,040,200 | 5,998 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7125% | 4,820 |
| Cost of funding earning assets | 0.1786% | 6,002 |
| Net interest margin | 3.5339% | 3,701 |
| Noninterest income to average assets | 0.2630% | 5,328 |
| Noninterest expense to average assets | 3.9971% | 758 |
| Loan and lease loss provision to assets | -0.0311% | 6,130 |
| Net operating income to assets | -0.2872% | 6,311 |
| Return on assets (ROA) | -0.2872% | 6,306 |
| Pretax return on assets | -0.4153% | 6,332 |
| Return on Equity (ROE) | -1.5120% | 6,265 |
| Retained earnings to average equity (ytd only) | -1.5120% | 6,031 |
| Net charge-offs to loans | 0.3752% | 1,066 |
| Credit loss provision to net charge-offs | -16.6667% | 5,264 |
| Earnings coverage of net charge-offs (x) | -2.3889% | 4,579 |
| Efficiency ratio | 112.5731% | 192 |
| Assets per employee ($millions) | 3.1664% | 5,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3961% | 62 |
| Loan loss allowance to noncurrent loans | 153.0702% | 2,689 |
| Noncurrent assets plus other real estate owned to assets | 2.5555% | 1,011 |
| Noncurrent loans to loans | 3.5252% | 674 |
| Net loans and leases to total assets | 48.3091% | 5,179 |
| Net loans and leases to deposits | 59.8813% | 4,953 |
| Net loans and leases to core deposits | 62.9925% | 4,969 |
| Total domestic deposits to total assets | 80.6748% | 4,923 |
| Equity capital to assets | 19.1620% | 263 |
| Core capital (leverage) ratio | 19.1620% | 243 |
| Tier 1 risk-based capital ratio | 34.6995% | 364 |
| Total risk-based capital ratio | 35.9958% | 355 |
| Memoranda: | ||
| Average total assets | $38,526,500 | 6,144 |
| Average earning assets | $35,842,250 | 6,119 |
| Average equity | $7,319,000 | 5,387 |
| Average total loans | $19,190,750 | 6,059 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7312% | 4,763 |
| Cost of funding earning assets | 0.1832% | 6,050 |
| Net interest margin | 3.5480% | 3,581 |
| Noninterest income to average assets | 0.2584% | 5,344 |
| Noninterest expense to average assets | 4.0100% | 751 |
| Loan and lease loss provision to assets | -0.0517% | 6,297 |
| Net operating income to assets | -0.2894% | 6,368 |
| Return on assets (ROA) | -0.2894% | 6,374 |
| Pretax return on assets | -0.3979% | 6,397 |
| Return on Equity (ROE) | -1.5276% | 6,308 |
| Retained earnings to average equity (ytd only) | -1.5276% | 5,931 |
| Net charge-offs to loans | 0.0837% | 2,850 |
| Credit loss provision to net charge-offs | -125.0000% | 5,298 |
| Earnings coverage of net charge-offs (x) | -10.8750% | 4,315 |
| Efficiency ratio | 112.6270% | 201 |
| Assets per employee ($millions) | 3.4414% | 4,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8076% | 53 |
| Loan loss allowance to noncurrent loans | 168.5185% | 2,469 |
| Noncurrent assets plus other real estate owned to assets | 2.5703% | 1,074 |
| Noncurrent loans to loans | 3.4463% | 778 |
| Net loans and leases to total assets | 46.7864% | 5,287 |
| Net loans and leases to deposits | 58.0860% | 5,034 |
| Net loans and leases to core deposits | 61.1188% | 5,044 |
| Total domestic deposits to total assets | 80.5468% | 5,112 |
| Equity capital to assets | 19.3052% | 246 |
| Core capital (leverage) ratio | 19.3052% | 227 |
| Tier 1 risk-based capital ratio | 36.0391% | 320 |
| Total risk-based capital ratio | 37.3410% | 314 |
| Memoranda: | ||
| Average total assets | $38,703,000 | 6,201 |
| Average earning assets | $36,020,670 | 6,169 |
| Average equity | $7,331,670 | 5,406 |
| Average total loans | $19,120,000 | 6,111 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6918% | 4,878 |
| Cost of funding earning assets | 0.1862% | 6,104 |
| Net interest margin | 3.5056% | 3,665 |
| Noninterest income to average assets | 0.2351% | 5,481 |
| Noninterest expense to average assets | 4.1199% | 663 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.4600% | 6,458 |
| Return on assets (ROA) | -0.4600% | 6,461 |
| Pretax return on assets | -0.6134% | 6,485 |
| Return on Equity (ROE) | -2.4511% | 6,379 |
| Retained earnings to average equity (ytd only) | -2.4511% | 5,906 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.4927% | 196 |
| Assets per employee ($millions) | 3.5799% | 4,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8228% | 57 |
| Loan loss allowance to noncurrent loans | 167.4208% | 2,433 |
| Noncurrent assets plus other real estate owned to assets | 2.5115% | 1,266 |
| Noncurrent loans to loans | 3.4779% | 843 |
| Net loans and leases to total assets | 45.5903% | 5,373 |
| Net loans and leases to deposits | 56.0593% | 5,114 |
| Net loans and leases to core deposits | 59.6584% | 5,070 |
| Total domestic deposits to total assets | 81.3251% | 5,145 |
| Equity capital to assets | 18.5860% | 285 |
| Core capital (leverage) ratio | 18.5860% | 271 |
| Tier 1 risk-based capital ratio | 35.4861% | 336 |
| Total risk-based capital ratio | 36.7855% | 327 |
| Memoranda: | ||
| Average total assets | $39,127,000 | 6,256 |
| Average earning assets | $36,513,500 | 6,223 |
| Average equity | $7,343,500 | 5,439 |
| Average total loans | $19,278,500 | 6,163 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0295% | 3,984 |
| Cost of funding earning assets | 0.2081% | 6,242 |
| Net interest margin | 3.8214% | 2,570 |
| Noninterest income to average assets | 0.7229% | 2,419 |
| Noninterest expense to average assets | 4.1599% | 727 |
| Loan and lease loss provision to assets | 0.0077% | 4,972 |
| Net operating income to assets | 0.0515% | 6,127 |
| Return on assets (ROA) | 0.0515% | 6,176 |
| Pretax return on assets | 0.0978% | 6,097 |
| Return on Equity (ROE) | 0.2736% | 6,203 |
| Retained earnings to average equity (ytd only) | 0.2736% | 5,726 |
| Net charge-offs to loans | 0.2076% | 2,797 |
| Credit loss provision to net charge-offs | 6.8182% | 4,625 |
| Earnings coverage of net charge-offs (x) | 0.9318% | 4,773 |
| Efficiency ratio | 97.5271% | 563 |
| Assets per employee ($millions) | 3.2396% | 5,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6941% | 55 |
| Loan loss allowance to noncurrent loans | 172.3602% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 2.4977% | 1,373 |
| Noncurrent loans to loans | 3.3036% | 990 |
| Net loans and leases to total assets | 47.2900% | 5,364 |
| Net loans and leases to deposits | 58.3675% | 5,093 |
| Net loans and leases to core deposits | 62.1795% | 5,041 |
| Total domestic deposits to total assets | 81.0212% | 5,170 |
| Equity capital to assets | 18.9531% | 267 |
| Core capital (leverage) ratio | 18.9531% | 241 |
| Tier 1 risk-based capital ratio | 35.0523% | 330 |
| Total risk-based capital ratio | 36.3511% | 320 |
| Memoranda: | ||
| Average total assets | $38,871,400 | 6,318 |
| Average earning assets | $36,034,000 | 6,286 |
| Average equity | $7,310,200 | 5,496 |
| Average total loans | $21,191,800 | 6,143 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0606% | 3,894 |
| Cost of funding earning assets | 0.2149% | 6,321 |
| Net interest margin | 3.8457% | 2,482 |
| Noninterest income to average assets | 0.4631% | 4,053 |
| Noninterest expense to average assets | 4.1985% | 688 |
| Loan and lease loss provision to assets | 0.0069% | 4,840 |
| Net operating income to assets | -0.1235% | 6,407 |
| Return on assets (ROA) | -0.1235% | 6,437 |
| Pretax return on assets | -0.1818% | 6,461 |
| Return on Equity (ROE) | -0.6579% | 6,397 |
| Retained earnings to average equity (ytd only) | -0.6579% | 6,074 |
| Net charge-offs to loans | 0.3207% | 1,936 |
| Credit loss provision to net charge-offs | 3.8462% | 4,290 |
| Earnings coverage of net charge-offs (x) | -0.9808% | 5,010 |
| Efficiency ratio | 104.3478% | 359 |
| Assets per employee ($millions) | 3.4472% | 4,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2961% | 89 |
| Loan loss allowance to noncurrent loans | 87.4504% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 4.5122% | 671 |
| Noncurrent loans to loans | 6.0561% | 421 |
| Net loans and leases to total assets | 51.9212% | 4,885 |
| Net loans and leases to deposits | 64.3420% | 4,482 |
| Net loans and leases to core deposits | 68.6711% | 4,470 |
| Total domestic deposits to total assets | 80.6957% | 5,304 |
| Equity capital to assets | 19.1540% | 245 |
| Core capital (leverage) ratio | 19.1540% | 232 |
| Tier 1 risk-based capital ratio | 33.3425% | 388 |
| Total risk-based capital ratio | 34.6417% | 380 |
| Memoranda: | ||
| Average total assets | $38,870,500 | 6,389 |
| Average earning assets | $35,987,500 | 6,356 |
| Average equity | $7,295,750 | 5,559 |
| Average total loans | $21,616,250 | 6,196 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0910% | 3,770 |
| Cost of funding earning assets | 0.2150% | 6,402 |
| Net interest margin | 3.8759% | 2,290 |
| Noninterest income to average assets | 0.5053% | 3,794 |
| Noninterest expense to average assets | 3.9298% | 945 |
| Loan and lease loss provision to assets | 0.0102% | 4,665 |
| Net operating income to assets | 0.0766% | 6,182 |
| Return on assets (ROA) | 0.0766% | 6,267 |
| Pretax return on assets | 0.1531% | 6,157 |
| Return on Equity (ROE) | 0.4106% | 6,324 |
| Retained earnings to average equity (ytd only) | 0.4106% | 5,732 |
| Net charge-offs to loans | -0.1096% | 6,523 |
| Credit loss provision to net charge-offs | -16.6667% | 5,467 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0100% | 651 |
| Assets per employee ($millions) | 3.2554% | 5,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4277% | 91 |
| Loan loss allowance to noncurrent loans | 76.5943% | 4,153 |
| Noncurrent assets plus other real estate owned to assets | 5.0582% | 609 |
| Noncurrent loans to loans | 7.0863% | 332 |
| Net loans and leases to total assets | 51.9621% | 4,870 |
| Net loans and leases to deposits | 64.5068% | 4,435 |
| Net loans and leases to core deposits | 68.7147% | 4,431 |
| Total domestic deposits to total assets | 80.5529% | 5,461 |
| Equity capital to assets | 18.7226% | 272 |
| Core capital (leverage) ratio | 18.7226% | 242 |
| Tier 1 risk-based capital ratio | 32.5211% | 423 |
| Total risk-based capital ratio | 33.8195% | 412 |
| Memoranda: | ||
| Average total assets | $39,187,670 | 6,429 |
| Average earning assets | $36,275,000 | 6,391 |
| Average equity | $7,306,670 | 5,602 |
| Average total loans | $21,892,000 | 6,229 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2502% | 3,106 |
| Cost of funding earning assets | 0.2097% | 6,529 |
| Net interest margin | 4.0404% | 1,644 |
| Noninterest income to average assets | 0.4790% | 3,931 |
| Noninterest expense to average assets | 3.9950% | 890 |
| Loan and lease loss provision to assets | 0.0204% | 4,215 |
| Net operating income to assets | 0.1223% | 6,105 |
| Return on assets (ROA) | 0.1223% | 6,197 |
| Pretax return on assets | 0.1936% | 6,092 |
| Return on Equity (ROE) | 0.6573% | 6,294 |
| Retained earnings to average equity (ytd only) | 0.6573% | 5,565 |
| Net charge-offs to loans | 0.1809% | 2,312 |
| Credit loss provision to net charge-offs | 20.0000% | 3,031 |
| Earnings coverage of net charge-offs (x) | 2.1000% | 3,129 |
| Efficiency ratio | 94.9153% | 778 |
| Assets per employee ($millions) | 3.5406% | 4,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2426% | 117 |
| Loan loss allowance to noncurrent loans | 106.5238% | 3,184 |
| Noncurrent assets plus other real estate owned to assets | 4.5087% | 828 |
| Noncurrent loans to loans | 4.9216% | 785 |
| Net loans and leases to total assets | 53.0439% | 4,555 |
| Net loans and leases to deposits | 65.8433% | 4,074 |
| Net loans and leases to core deposits | 70.1494% | 4,061 |
| Total domestic deposits to total assets | 80.5608% | 5,609 |
| Equity capital to assets | 18.7717% | 285 |
| Core capital (leverage) ratio | 18.7633% | 246 |
| Tier 1 risk-based capital ratio | 31.9250% | 454 |
| Total risk-based capital ratio | 33.2226% | 445 |
| Memoranda: | ||
| Average total assets | $39,249,000 | 6,487 |
| Average earning assets | $36,234,000 | 6,460 |
| Average equity | $7,303,000 | 5,663 |
| Average total loans | $22,106,000 | 6,270 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3433% | 4,042 |
| Cost of funding earning assets | 0.5065% | 5,170 |
| Net interest margin | 3.8368% | 3,076 |
| Noninterest income to average assets | 0.1631% | 6,219 |
| Noninterest expense to average assets | 6.8991% | 156 |
| Loan and lease loss provision to assets | 3.1061% | 36 |
| Net operating income to assets | -3.7362% | 7,037 |
| Return on assets (ROA) | -3.7362% | 7,038 |
| Pretax return on assets | -6.2665% | 7,070 |
| Return on Equity (ROE) | -19.4275% | 6,875 |
| Retained earnings to average equity (ytd only) | -19.4275% | 6,840 |
| Net charge-offs to loans | 5.8038% | 22 |
| Credit loss provision to net charge-offs | 90.6926% | 3,452 |
| Earnings coverage of net charge-offs (x) | -0.9228% | 5,746 |
| Efficiency ratio | 184.5340% | 51 |
| Assets per employee ($millions) | 3.5955% | 4,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1361% | 119 |
| Loan loss allowance to noncurrent loans | 92.9725% | 3,517 |
| Noncurrent assets plus other real estate owned to assets | 4.8646% | 815 |
| Noncurrent loans to loans | 5.5243% | 667 |
| Net loans and leases to total assets | 53.7509% | 4,651 |
| Net loans and leases to deposits | 66.4281% | 4,225 |
| Net loans and leases to core deposits | 71.0718% | 4,160 |
| Total domestic deposits to total assets | 80.9158% | 5,429 |
| Equity capital to assets | 18.4445% | 296 |
| Core capital (leverage) ratio | 18.2316% | 270 |
| Tier 1 risk-based capital ratio | 30.6656% | 485 |
| Total risk-based capital ratio | 31.9618% | 477 |
| Memoranda: | ||
| Average total assets | $40,469,200 | 6,489 |
| Average earning assets | $37,713,400 | 6,444 |
| Average equity | $7,782,800 | 5,560 |
| Average total loans | $23,881,000 | 6,244 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3339% | 4,316 |
| Cost of funding earning assets | 0.5439% | 5,133 |
| Net interest margin | 3.7899% | 3,379 |
| Noninterest income to average assets | 0.2457% | 5,796 |
| Noninterest expense to average assets | 4.0787% | 853 |
| Loan and lease loss provision to assets | 5.3170% | 9 |
| Net operating income to assets | -5.3891% | 7,162 |
| Return on assets (ROA) | -5.3891% | 7,162 |
| Pretax return on assets | -5.6118% | 7,165 |
| Return on Equity (ROE) | -27.7464% | 7,051 |
| Retained earnings to average equity (ytd only) | -27.7464% | 7,042 |
| Net charge-offs to loans | 9.9082% | 7 |
| Credit loss provision to net charge-offs | 90.0666% | 3,289 |
| Earnings coverage of net charge-offs (x) | -0.0499% | 5,352 |
| Efficiency ratio | 107.7922% | 343 |
| Assets per employee ($millions) | 3.5660% | 4,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8769% | 158 |
| Loan loss allowance to noncurrent loans | 86.0829% | 3,650 |
| Noncurrent assets plus other real estate owned to assets | 5.0171% | 892 |
| Noncurrent loans to loans | 5.6653% | 751 |
| Net loans and leases to total assets | 54.7469% | 4,631 |
| Net loans and leases to deposits | 67.9137% | 4,195 |
| Net loans and leases to core deposits | 72.7251% | 4,164 |
| Total domestic deposits to total assets | 80.6123% | 5,481 |
| Equity capital to assets | 17.9957% | 367 |
| Core capital (leverage) ratio | 17.9957% | 299 |
| Tier 1 risk-based capital ratio | 30.5558% | 503 |
| Total risk-based capital ratio | 31.8501% | 489 |
| Memoranda: | ||
| Average total assets | $40,698,750 | 6,561 |
| Average earning assets | $37,994,250 | 6,510 |
| Average equity | $7,904,750 | 5,587 |
| Average total loans | $24,248,750 | 6,316 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4182% | 4,115 |
| Cost of funding earning assets | 0.6133% | 4,778 |
| Net interest margin | 3.8048% | 3,334 |
| Noninterest income to average assets | 0.2622% | 5,706 |
| Noninterest expense to average assets | 4.1418% | 788 |
| Loan and lease loss provision to assets | 7.3951% | 4 |
| Net operating income to assets | -7.3951% | 7,234 |
| Return on assets (ROA) | -7.3951% | 7,234 |
| Pretax return on assets | -7.7204% | 7,235 |
| Return on Equity (ROE) | -37.2068% | 7,139 |
| Retained earnings to average equity (ytd only) | -37.2068% | 7,132 |
| Net charge-offs to loans | 13.7223% | 1 |
| Credit loss provision to net charge-offs | 89.4830% | 3,065 |
| Earnings coverage of net charge-offs (x) | -0.0394% | 5,103 |
| Efficiency ratio | 108.5242% | 357 |
| Assets per employee ($millions) | 3.6797% | 4,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6817% | 205 |
| Loan loss allowance to noncurrent loans | 49.1737% | 5,159 |
| Noncurrent assets plus other real estate owned to assets | 7.2411% | 522 |
| Noncurrent loans to loans | 9.5208% | 297 |
| Net loans and leases to total assets | 55.3796% | 4,567 |
| Net loans and leases to deposits | 68.4249% | 4,133 |
| Net loans and leases to core deposits | 73.0806% | 4,156 |
| Total domestic deposits to total assets | 80.9349% | 5,487 |
| Equity capital to assets | 17.7409% | 366 |
| Core capital (leverage) ratio | 17.7409% | 305 |
| Tier 1 risk-based capital ratio | 29.3834% | 550 |
| Total risk-based capital ratio | 30.6723% | 534 |
| Memoranda: | ||
| Average total assets | $41,189,670 | 6,583 |
| Average earning assets | $38,477,330 | 6,530 |
| Average equity | $8,186,670 | 5,518 |
| Average total loans | $24,806,330 | 6,331 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5109% | 3,865 |
| Cost of funding earning assets | 0.6385% | 4,828 |
| Net interest margin | 3.8724% | 3,041 |
| Noninterest income to average assets | 0.1829% | 6,283 |
| Noninterest expense to average assets | 3.9667% | 969 |
| Loan and lease loss provision to assets | 0.1059% | 4,021 |
| Net operating income to assets | -0.2792% | 6,692 |
| Return on assets (ROA) | -0.2792% | 6,733 |
| Pretax return on assets | -0.2696% | 6,708 |
| Return on Equity (ROE) | -1.3349% | 6,643 |
| Retained earnings to average equity (ytd only) | -1.3349% | 6,199 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.3038% | 444 |
| Assets per employee ($millions) | 3.7894% | 4,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9701% | 181 |
| Loan loss allowance to noncurrent loans | 69.3391% | 4,066 |
| Noncurrent assets plus other real estate owned to assets | 6.1536% | 748 |
| Noncurrent loans to loans | 7.1678% | 606 |
| Net loans and leases to total assets | 58.7146% | 3,918 |
| Net loans and leases to deposits | 75.5790% | 2,868 |
| Net loans and leases to core deposits | 81.9927% | 2,841 |
| Total domestic deposits to total assets | 77.6863% | 6,312 |
| Equity capital to assets | 20.8118% | 194 |
| Core capital (leverage) ratio | 20.8118% | 168 |
| Tier 1 risk-based capital ratio | 33.7956% | 372 |
| Total risk-based capital ratio | 35.0929% | 366 |
| Memoranda: | ||
| Average total assets | $41,546,000 | 6,622 |
| Average earning assets | $38,839,000 | 6,570 |
| Average equity | $8,689,500 | 5,367 |
| Average total loans | $25,451,000 | 6,341 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0095% | 2,839 |
| Cost of funding earning assets | 0.7662% | 5,092 |
| Net interest margin | 4.2433% | 1,915 |
| Noninterest income to average assets | 0.2461% | 5,775 |
| Noninterest expense to average assets | 4.3223% | 706 |
| Loan and lease loss provision to assets | 1.2850% | 642 |
| Net operating income to assets | -1.7100% | 6,964 |
| Return on assets (ROA) | -1.7100% | 6,983 |
| Pretax return on assets | -1.4242% | 6,876 |
| Return on Equity (ROE) | -7.7709% | 6,666 |
| Retained earnings to average equity (ytd only) | -7.7709% | 6,610 |
| Net charge-offs to loans | 0.4759% | 3,087 |
| Credit loss provision to net charge-offs | 413.6000% | 558 |
| Earnings coverage of net charge-offs (x) | -0.4480% | 6,060 |
| Efficiency ratio | 103.3274% | 588 |
| Assets per employee ($millions) | 3.7645% | 4,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4853% | 1,338 |
| Loan loss allowance to noncurrent loans | 47.0278% | 5,183 |
| Noncurrent assets plus other real estate owned to assets | 5.0907% | 1,040 |
| Noncurrent loans to loans | 5.2847% | 1,027 |
| Net loans and leases to total assets | 59.2214% | 4,145 |
| Net loans and leases to deposits | 76.5053% | 3,093 |
| Net loans and leases to core deposits | 83.0500% | 3,016 |
| Total domestic deposits to total assets | 77.4083% | 6,281 |
| Equity capital to assets | 21.0196% | 187 |
| Core capital (leverage) ratio | 21.0196% | 163 |
| Tier 1 risk-based capital ratio | 24.7294% | 898 |
| Total risk-based capital ratio | 25.9852% | 889 |
| Memoranda: | ||
| Average total assets | $40,233,400 | 6,666 |
| Average earning assets | $37,329,000 | 6,630 |
| Average equity | $8,853,600 | 5,320 |
| Average total loans | $26,263,800 | 6,337 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1539% | 2,371 |
| Cost of funding earning assets | 0.7749% | 5,311 |
| Net interest margin | 4.3790% | 1,463 |
| Noninterest income to average assets | 0.2470% | 5,851 |
| Noninterest expense to average assets | 4.3465% | 676 |
| Loan and lease loss provision to assets | 1.7159% | 358 |
| Net operating income to assets | -2.2066% | 7,176 |
| Return on assets (ROA) | -2.2066% | 7,182 |
| Pretax return on assets | -1.7593% | 7,074 |
| Return on Equity (ROE) | -9.9124% | 6,887 |
| Retained earnings to average equity (ytd only) | -9.9124% | 6,851 |
| Net charge-offs to loans | 0.6329% | 2,349 |
| Credit loss provision to net charge-offs | 407.9365% | 702 |
| Earnings coverage of net charge-offs (x) | -0.1032% | 5,666 |
| Efficiency ratio | 101.0085% | 634 |
| Assets per employee ($millions) | 3.7315% | 4,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4404% | 1,479 |
| Loan loss allowance to noncurrent loans | 133.4764% | 2,267 |
| Noncurrent assets plus other real estate owned to assets | 3.1160% | 2,053 |
| Noncurrent loans to loans | 1.8283% | 3,602 |
| Net loans and leases to total assets | 60.5808% | 4,031 |
| Net loans and leases to deposits | 78.7522% | 2,853 |
| Net loans and leases to core deposits | 84.8495% | 2,935 |
| Total domestic deposits to total assets | 76.9259% | 6,386 |
| Equity capital to assets | 21.2713% | 194 |
| Core capital (leverage) ratio | 21.2713% | 169 |
| Tier 1 risk-based capital ratio | 25.1592% | 900 |
| Total risk-based capital ratio | 26.4156% | 891 |
| Memoranda: | ||
| Average total assets | $39,939,500 | 6,729 |
| Average earning assets | $36,994,000 | 6,700 |
| Average equity | $8,891,000 | 5,341 |
| Average total loans | $26,542,750 | 6,382 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2196% | 2,188 |
| Cost of funding earning assets | 0.7816% | 5,501 |
| Net interest margin | 4.4380% | 1,272 |
| Noninterest income to average assets | 0.2729% | 5,692 |
| Noninterest expense to average assets | 4.4831% | 603 |
| Loan and lease loss provision to assets | 2.5979% | 193 |
| Net operating income to assets | -3.3712% | 7,351 |
| Return on assets (ROA) | -3.3712% | 7,357 |
| Pretax return on assets | -2.7040% | 7,275 |
| Return on Equity (ROE) | -14.9145% | 7,065 |
| Retained earnings to average equity (ytd only) | -14.9145% | 7,037 |
| Net charge-offs to loans | 0.8106% | 1,882 |
| Credit loss provision to net charge-offs | 471.5596% | 652 |
| Earnings coverage of net charge-offs (x) | -0.1927% | 5,401 |
| Efficiency ratio | 102.4249% | 650 |
| Assets per employee ($millions) | 3.3302% | 5,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4169% | 1,560 |
| Loan loss allowance to noncurrent loans | 137.2043% | 2,149 |
| Noncurrent assets plus other real estate owned to assets | 3.2055% | 2,091 |
| Noncurrent loans to loans | 1.7616% | 3,807 |
| Net loans and leases to total assets | 64.4587% | 3,365 |
| Net loans and leases to deposits | 84.4973% | 2,032 |
| Net loans and leases to core deposits | 89.8403% | 2,392 |
| Total domestic deposits to total assets | 76.2850% | 6,559 |
| Equity capital to assets | 21.8332% | 183 |
| Core capital (leverage) ratio | 21.8332% | 162 |
| Tier 1 risk-based capital ratio | 26.5020% | 762 |
| Total risk-based capital ratio | 27.7596% | 744 |
| Memoranda: | ||
| Average total assets | $39,570,670 | 6,800 |
| Average earning assets | $36,593,000 | 6,778 |
| Average equity | $8,944,330 | 5,342 |
| Average total loans | $26,894,330 | 6,422 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2041% | 2,208 |
| Cost of funding earning assets | 0.7685% | 5,761 |
| Net interest margin | 4.4356% | 1,203 |
| Noninterest income to average assets | 0.2540% | 5,864 |
| Noninterest expense to average assets | 4.4394% | 634 |
| Loan and lease loss provision to assets | 5.1403% | 58 |
| Net operating income to assets | -6.8673% | 7,522 |
| Return on assets (ROA) | -6.8673% | 7,522 |
| Pretax return on assets | -5.2216% | 7,485 |
| Return on Equity (ROE) | -29.8653% | 7,318 |
| Retained earnings to average equity (ytd only) | -29.8653% | 7,292 |
| Net charge-offs to loans | 1.8421% | 702 |
| Credit loss provision to net charge-offs | 404.8000% | 832 |
| Earnings coverage of net charge-offs (x) | -0.0640% | 4,624 |
| Efficiency ratio | 101.8648% | 676 |
| Assets per employee ($millions) | 3.0865% | 5,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2824% | 1,793 |
| Loan loss allowance to noncurrent loans | 99.6753% | 2,867 |
| Noncurrent assets plus other real estate owned to assets | 3.1951% | 2,156 |
| Noncurrent loans to loans | 2.2898% | 3,208 |
| Net loans and leases to total assets | 65.5169% | 3,129 |
| Net loans and leases to deposits | 85.7935% | 1,765 |
| Net loans and leases to core deposits | 91.1701% | 2,219 |
| Total domestic deposits to total assets | 76.3658% | 6,617 |
| Equity capital to assets | 21.7227% | 178 |
| Core capital (leverage) ratio | 21.7227% | 167 |
| Tier 1 risk-based capital ratio | 26.5174% | 739 |
| Total risk-based capital ratio | 27.7739% | 726 |
| Memoranda: | ||
| Average total assets | $39,375,000 | 6,854 |
| Average earning assets | $36,432,500 | 6,831 |
| Average equity | $9,054,000 | 5,311 |
| Average total loans | $27,143,000 | 6,462 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8496% | 1,150 |
| Cost of funding earning assets | 0.9778% | 5,796 |
| Net interest margin | 4.8718% | 572 |
| Noninterest income to average assets | 0.2155% | 6,271 |
| Noninterest expense to average assets | 4.4872% | 661 |
| Loan and lease loss provision to assets | 0.0987% | 6,155 |
| Net operating income to assets | 0.2571% | 5,091 |
| Return on assets (ROA) | -0.3739% | 6,315 |
| Pretax return on assets | -0.5505% | 6,358 |
| Return on Equity (ROE) | -1.5354% | 6,121 |
| Retained earnings to average equity (ytd only) | -1.5354% | 5,892 |
| Net charge-offs to loans | 2.1178% | 929 |
| Credit loss provision to net charge-offs | 6.1290% | 6,621 |
| Earnings coverage of net charge-offs (x) | 0.1113% | 6,007 |
| Efficiency ratio | 96.1603% | 958 |
| Assets per employee ($millions) | 2.9712% | 6,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8509% | 6,851 |
| Loan loss allowance to noncurrent loans | 27.7051% | 6,428 |
| Noncurrent assets plus other real estate owned to assets | 3.9093% | 1,744 |
| Noncurrent loans to loans | 3.0711% | 2,482 |
| Net loans and leases to total assets | 70.2920% | 2,472 |
| Net loans and leases to deposits | 94.8838% | 972 |
| Net loans and leases to core deposits | 101.2304% | 1,518 |
| Total domestic deposits to total assets | 74.0822% | 6,887 |
| Equity capital to assets | 24.3152% | 132 |
| Core capital (leverage) ratio | 24.3152% | 129 |
| Tier 1 risk-based capital ratio | 30.2062% | 500 |
| Total risk-based capital ratio | 30.9555% | 507 |
| Memoranda: | ||
| Average total assets | $38,509,600 | 6,921 |
| Average earning assets | $35,182,000 | 6,911 |
| Average equity | $9,378,400 | 5,307 |
| Average total loans | $29,275,200 | 6,438 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8341% | 1,298 |
| Cost of funding earning assets | 1.0383% | 5,753 |
| Net interest margin | 4.7958% | 682 |
| Noninterest income to average assets | 0.2079% | 6,418 |
| Noninterest expense to average assets | 4.3657% | 691 |
| Loan and lease loss provision to assets | 0.0832% | 6,209 |
| Net operating income to assets | 0.2079% | 5,487 |
| Return on assets (ROA) | -0.6341% | 6,735 |
| Pretax return on assets | -0.7138% | 6,687 |
| Return on Equity (ROE) | -2.6026% | 6,460 |
| Retained earnings to average equity (ytd only) | -2.6026% | 6,300 |
| Net charge-offs to loans | 1.2236% | 1,672 |
| Credit loss provision to net charge-offs | 8.7912% | 6,339 |
| Earnings coverage of net charge-offs (x) | 0.2234% | 5,786 |
| Efficiency ratio | 95.3823% | 931 |
| Assets per employee ($millions) | 2.9852% | 6,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9239% | 2,417 |
| Loan loss allowance to noncurrent loans | 70.3980% | 3,794 |
| Noncurrent assets plus other real estate owned to assets | 4.3523% | 1,560 |
| Noncurrent loans to loans | 2.7328% | 2,908 |
| Net loans and leases to total assets | 74.3526% | 1,726 |
| Net loans and leases to deposits | 100.1353% | 652 |
| Net loans and leases to core deposits | 106.7836% | 1,254 |
| Total domestic deposits to total assets | 74.2521% | 6,891 |
| Equity capital to assets | 24.1013% | 143 |
| Core capital (leverage) ratio | 24.1013% | 134 |
| Tier 1 risk-based capital ratio | 30.3817% | 495 |
| Total risk-based capital ratio | 31.6388% | 485 |
| Memoranda: | ||
| Average total assets | $38,480,500 | 7,001 |
| Average earning assets | $35,057,500 | 6,992 |
| Average equity | $9,375,000 | 5,387 |
| Average total loans | $29,748,000 | 6,494 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0251% | 889 |
| Cost of funding earning assets | 1.0767% | 5,800 |
| Net interest margin | 4.9484% | 474 |
| Noninterest income to average assets | 0.2345% | 6,228 |
| Noninterest expense to average assets | 4.4251% | 627 |
| Loan and lease loss provision to assets | 0.1147% | 5,757 |
| Net operating income to assets | 0.2554% | 5,355 |
| Return on assets (ROA) | -1.0112% | 6,971 |
| Pretax return on assets | -1.0685% | 6,920 |
| Return on Equity (ROE) | -4.1354% | 6,630 |
| Retained earnings to average equity (ytd only) | -4.1354% | 6,457 |
| Net charge-offs to loans | 0.9713% | 1,908 |
| Credit loss provision to net charge-offs | 15.1724% | 5,895 |
| Earnings coverage of net charge-offs (x) | 0.4138% | 5,310 |
| Efficiency ratio | 93.3993% | 1,097 |
| Assets per employee ($millions) | 2.9914% | 6,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3363% | 1,532 |
| Loan loss allowance to noncurrent loans | 230.6667% | 1,222 |
| Noncurrent assets plus other real estate owned to assets | 3.0575% | 2,327 |
| Noncurrent loans to loans | 1.0129% | 5,283 |
| Net loans and leases to total assets | 74.3854% | 1,835 |
| Net loans and leases to deposits | 100.1627% | 707 |
| Net loans and leases to core deposits | 106.7732% | 1,381 |
| Total domestic deposits to total assets | 74.2646% | 6,945 |
| Equity capital to assets | 24.0228% | 151 |
| Core capital (leverage) ratio | 24.0228% | 138 |
| Tier 1 risk-based capital ratio | 30.3607% | 491 |
| Total risk-based capital ratio | 31.6217% | 482 |
| Memoranda: | ||
| Average total assets | $38,371,670 | 7,053 |
| Average earning assets | $34,920,670 | 7,045 |
| Average equity | $9,382,330 | 5,383 |
| Average total loans | $29,857,330 | 6,537 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0886% | 795 |
| Cost of funding earning assets | 1.1207% | 5,802 |
| Net interest margin | 4.9679% | 444 |
| Noninterest income to average assets | 0.2414% | 6,222 |
| Noninterest expense to average assets | 4.4499% | 612 |
| Loan and lease loss provision to assets | 0.0735% | 5,905 |
| Net operating income to assets | 0.2519% | 5,484 |
| Return on assets (ROA) | 0.2519% | 5,608 |
| Pretax return on assets | 0.2309% | 5,794 |
| Return on Equity (ROE) | 1.0210% | 6,106 |
| Retained earnings to average equity (ytd only) | 1.0210% | 5,402 |
| Net charge-offs to loans | 0.1334% | 4,151 |
| Credit loss provision to net charge-offs | 70.0000% | 4,100 |
| Earnings coverage of net charge-offs (x) | 2.9000% | 3,101 |
| Efficiency ratio | 93.5982% | 1,159 |
| Assets per employee ($millions) | 2.9305% | 6,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7124% | 1,077 |
| Loan loss allowance to noncurrent loans | 157.0600% | 1,779 |
| Noncurrent assets plus other real estate owned to assets | 3.5725% | 1,963 |
| Noncurrent loans to loans | 1.7270% | 4,152 |
| Net loans and leases to total assets | 76.4496% | 1,446 |
| Net loans and leases to deposits | 103.4820% | 562 |
| Net loans and leases to core deposits | 108.0224% | 1,416 |
| Total domestic deposits to total assets | 73.8772% | 7,064 |
| Equity capital to assets | 24.7054% | 149 |
| Core capital (leverage) ratio | 24.9380% | 135 |
| Tier 1 risk-based capital ratio | 31.8635% | 442 |
| Total risk-based capital ratio | 33.4867% | 424 |
| Memoranda: | ||
| Average total assets | $38,113,500 | 7,153 |
| Average earning assets | $34,622,000 | 7,144 |
| Average equity | $9,402,500 | 5,423 |
| Average total loans | $29,976,500 | 6,607 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3045% | 1,022 |
| Cost of funding earning assets | 1.3998% | 5,931 |
| Net interest margin | 4.9048% | 550 |
| Noninterest income to average assets | 0.2926% | 6,023 |
| Noninterest expense to average assets | 4.3707% | 908 |
| Loan and lease loss provision to assets | 0.2849% | 5,148 |
| Net operating income to assets | 0.2156% | 4,848 |
| Return on assets (ROA) | 0.2156% | 4,908 |
| Pretax return on assets | 0.1155% | 5,186 |
| Return on Equity (ROE) | 0.8992% | 5,260 |
| Retained earnings to average equity (ytd only) | 0.8992% | 4,395 |
| Net charge-offs to loans | 1.5778% | 1,598 |
| Credit loss provision to net charge-offs | 23.1250% | 6,929 |
| Earnings coverage of net charge-offs (x) | 0.3250% | 5,787 |
| Efficiency ratio | 91.6084% | 1,596 |
| Assets per employee ($millions) | 2.9331% | 6,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7152% | 1,003 |
| Loan loss allowance to noncurrent loans | 151.4870% | 1,894 |
| Noncurrent assets plus other real estate owned to assets | 3.5615% | 1,876 |
| Noncurrent loans to loans | 1.7924% | 3,950 |
| Net loans and leases to total assets | 76.5827% | 1,679 |
| Net loans and leases to deposits | 103.6562% | 665 |
| Net loans and leases to core deposits | 119.0032% | 2,033 |
| Total domestic deposits to total assets | 73.8815% | 7,034 |
| Equity capital to assets | 24.6341% | 172 |
| Core capital (leverage) ratio | 24.8710% | 158 |
| Tier 1 risk-based capital ratio | 31.8835% | 445 |
| Total risk-based capital ratio | 33.5204% | 428 |
| Memoranda: | ||
| Average total assets | $38,964,200 | 7,137 |
| Average earning assets | $35,577,600 | 7,118 |
| Average equity | $9,342,000 | 5,492 |
| Average total loans | $30,422,400 | 6,603 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1920% | 1,393 |
| Cost of funding earning assets | 1.4670% | 5,974 |
| Net interest margin | 4.7250% | 797 |
| Noninterest income to average assets | 0.2553% | 6,407 |
| Noninterest expense to average assets | 4.3192% | 892 |
| Loan and lease loss provision to assets | 0.2689% | 4,812 |
| Net operating income to assets | 0.1940% | 5,181 |
| Return on assets (ROA) | 0.1940% | 5,254 |
| Pretax return on assets | -0.0136% | 5,728 |
| Return on Equity (ROE) | 0.8146% | 5,553 |
| Retained earnings to average equity (ytd only) | 0.8146% | 4,839 |
| Net charge-offs to loans | 1.2056% | 1,689 |
| Credit loss provision to net charge-offs | 28.6232% | 6,520 |
| Earnings coverage of net charge-offs (x) | 0.2717% | 5,737 |
| Efficiency ratio | 94.4196% | 1,376 |
| Assets per employee ($millions) | 2.9715% | 6,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3305% | 489 |
| Loan loss allowance to noncurrent loans | 188.3588% | 1,559 |
| Noncurrent assets plus other real estate owned to assets | 3.4792% | 1,916 |
| Noncurrent loans to loans | 1.7682% | 3,969 |
| Net loans and leases to total assets | 74.1600% | 2,479 |
| Net loans and leases to deposits | 99.8501% | 1,119 |
| Net loans and leases to core deposits | 114.6608% | 2,764 |
| Total domestic deposits to total assets | 74.2713% | 6,903 |
| Equity capital to assets | 24.2428% | 191 |
| Core capital (leverage) ratio | 24.4804% | 181 |
| Tier 1 risk-based capital ratio | 31.9480% | 470 |
| Total risk-based capital ratio | 33.5963% | 451 |
| Memoranda: | ||
| Average total assets | $39,172,750 | 7,191 |
| Average earning assets | $35,808,750 | 7,166 |
| Average equity | $9,329,250 | 5,547 |
| Average total loans | $30,524,000 | 6,657 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2638% | 1,303 |
| Cost of funding earning assets | 1.5590% | 5,891 |
| Net interest margin | 4.7048% | 795 |
| Noninterest income to average assets | 0.2846% | 6,228 |
| Noninterest expense to average assets | 4.3605% | 892 |
| Loan and lease loss provision to assets | 0.0610% | 6,608 |
| Net operating income to assets | 0.1423% | 5,442 |
| Return on assets (ROA) | 0.1423% | 5,536 |
| Pretax return on assets | 0.1728% | 5,535 |
| Return on Equity (ROE) | 0.6010% | 5,753 |
| Retained earnings to average equity (ytd only) | 0.6010% | 4,947 |
| Net charge-offs to loans | 1.7261% | 1,099 |
| Credit loss provision to net charge-offs | 4.5113% | 6,223 |
| Earnings coverage of net charge-offs (x) | 0.1729% | 5,497 |
| Efficiency ratio | 94.9115% | 1,448 |
| Assets per employee ($millions) | 3.0202% | 6,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1782% | 491 |
| Loan loss allowance to noncurrent loans | 102.7624% | 2,824 |
| Noncurrent assets plus other real estate owned to assets | 3.7212% | 1,649 |
| Noncurrent loans to loans | 3.0927% | 2,319 |
| Net loans and leases to total assets | 72.1614% | 3,173 |
| Net loans and leases to deposits | 96.6830% | 1,701 |
| Net loans and leases to core deposits | 112.8001% | 3,041 |
| Total domestic deposits to total assets | 74.6371% | 6,833 |
| Equity capital to assets | 23.7532% | 232 |
| Core capital (leverage) ratio | 24.0063% | 226 |
| Tier 1 risk-based capital ratio | 32.3260% | 489 |
| Total risk-based capital ratio | 33.9988% | 463 |
| Memoranda: | ||
| Average total assets | $39,353,670 | 7,236 |
| Average earning assets | $36,048,330 | 7,224 |
| Average equity | $9,317,330 | 5,571 |
| Average total loans | $30,820,330 | 6,685 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2494% | 1,448 |
| Cost of funding earning assets | 1.6650% | 5,759 |
| Net interest margin | 4.5844% | 963 |
| Noninterest income to average assets | 0.2944% | 6,079 |
| Noninterest expense to average assets | 4.3655% | 813 |
| Loan and lease loss provision to assets | 0.0305% | 6,548 |
| Net operating income to assets | 0.1015% | 5,977 |
| Return on assets (ROA) | 0.1015% | 6,139 |
| Pretax return on assets | 0.0914% | 6,185 |
| Return on Equity (ROE) | 0.4295% | 6,297 |
| Retained earnings to average equity (ytd only) | 0.4295% | 5,487 |
| Net charge-offs to loans | 1.3038% | 1,082 |
| Credit loss provision to net charge-offs | 2.9126% | 5,236 |
| Earnings coverage of net charge-offs (x) | 0.1165% | 4,887 |
| Efficiency ratio | 97.2851% | 1,254 |
| Assets per employee ($millions) | 3.0319% | 6,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4262% | 339 |
| Loan loss allowance to noncurrent loans | 84.6875% | 3,502 |
| Noncurrent assets plus other real estate owned to assets | 4.7926% | 965 |
| Noncurrent loans to loans | 4.0456% | 1,483 |
| Net loans and leases to total assets | 77.5212% | 1,930 |
| Net loans and leases to deposits | 103.7697% | 1,023 |
| Net loans and leases to core deposits | 122.1223% | 2,242 |
| Total domestic deposits to total assets | 74.7051% | 6,764 |
| Equity capital to assets | 23.6179% | 259 |
| Core capital (leverage) ratio | 23.8689% | 259 |
| Tier 1 risk-based capital ratio | 33.1827% | 486 |
| Total risk-based capital ratio | 34.8751% | 468 |
| Memoranda: | ||
| Average total assets | $39,399,500 | 7,279 |
| Average earning assets | $36,035,500 | 7,264 |
| Average equity | $9,313,000 | 5,601 |
| Average total loans | $31,599,500 | 6,674 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5887% | 346 |
| Cost of funding earning assets | 2.1446% | 5,858 |
| Net interest margin | 5.4441% | 222 |
| Noninterest income to average assets | 0.2521% | 6,647 |
| Noninterest expense to average assets | 4.6210% | 804 |
| Loan and lease loss provision to assets | 0.0983% | 6,127 |
| Net operating income to assets | 0.3933% | 5,176 |
| Return on assets (ROA) | 0.3933% | 4,992 |
| Pretax return on assets | 0.5950% | 4,712 |
| Return on Equity (ROE) | 1.6810% | 5,714 |
| Retained earnings to average equity (ytd only) | 1.6810% | 4,209 |
| Net charge-offs to loans | 0.0404% | 6,216 |
| Credit loss provision to net charge-offs | 300.0000% | 1,503 |
| Earnings coverage of net charge-offs (x) | 21.1538% | 1,542 |
| Efficiency ratio | 86.9545% | 1,770 |
| Assets per employee ($millions) | 3.0295% | 5,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7516% | 228 |
| Loan loss allowance to noncurrent loans | 80.4348% | 4,103 |
| Noncurrent assets plus other real estate owned to assets | 4.2784% | 916 |
| Noncurrent loans to loans | 4.6641% | 1,008 |
| Net loans and leases to total assets | 77.1278% | 2,342 |
| Net loans and leases to deposits | 103.5946% | 1,385 |
| Net loans and leases to core deposits | 123.0395% | 2,396 |
| Total domestic deposits to total assets | 74.4516% | 6,569 |
| Equity capital to assets | 23.6568% | 298 |
| Core capital (leverage) ratio | 23.9240% | 281 |
| Tier 1 risk-based capital ratio | 33.4143% | 497 |
| Total risk-based capital ratio | 35.1365% | 474 |
| Memoranda: | ||
| Average total assets | $39,667,000 | 7,229 |
| Average earning assets | $36,884,000 | 7,197 |
| Average equity | $9,280,200 | 5,643 |
| Average total loans | $32,157,400 | 6,600 |