Home > Peoples Bank and Trust Company of Clinton County > Performance and Condition Ratios
Peoples Bank and Trust Company of Clinton County, Performance and Condition Ratios
| 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 | 6.9061% | 46 |
| Cost of funding earning assets | 0.9059% | 180 |
| Net interest margin | 6.0002% | 59 |
| Noninterest income to average assets | 0.6356% | 2,065 |
| Noninterest expense to average assets | 3.0009% | 981 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.3912% | 250 |
| Return on assets (ROA) | 2.3912% | 271 |
| Pretax return on assets | 3.1911% | 151 |
| Return on Equity (ROE) | 23.1526% | 254 |
| Retained earnings to average equity (ytd only) | 23.1526% | 92 |
| Net charge-offs to loans | -0.0392% | 4,265 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4637% | 4,355 |
| Assets per employee ($millions) | 3.7332% | 4,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5558% | 4,698 |
| Loan loss allowance to noncurrent loans | 113.0208% | 3,216 |
| Noncurrent assets plus other real estate owned to assets | 0.3956% | 2,020 |
| Noncurrent loans to loans | 0.4917% | 2,206 |
| Net loans and leases to total assets | 80.0066% | 322 |
| Net loans and leases to deposits | 90.8534% | 596 |
| Net loans and leases to core deposits | 101.6413% | 602 |
| Total domestic deposits to total assets | 88.0612% | 1,787 |
| Equity capital to assets | 10.4284% | 2,461 |
| Core capital (leverage) ratio | 10.8072% | 1,728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $46,253,333 | 4,693 |
| Average earning assets | $42,831,667 | 4,675 |
| Average equity | $4,777,000 | 4,752 |
| Average total loans | $35,682,333 | 4,364 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0554% | 45 |
| Cost of funding earning assets | 0.9765% | 157 |
| Net interest margin | 6.0790% | 61 |
| Noninterest income to average assets | 0.6472% | 2,037 |
| Noninterest expense to average assets | 3.2717% | 631 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.2432% | 385 |
| Return on assets (ROA) | 2.2432% | 419 |
| Pretax return on assets | 3.0057% | 233 |
| Return on Equity (ROE) | 21.8339% | 403 |
| Retained earnings to average equity (ytd only) | 21.8339% | 212 |
| Net charge-offs to loans | -0.0824% | 4,575 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1186% | 3,981 |
| Assets per employee ($millions) | 3.5291% | 4,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6270% | 4,656 |
| Loan loss allowance to noncurrent loans | 107.9602% | 3,237 |
| Noncurrent assets plus other real estate owned to assets | 0.4381% | 2,079 |
| Noncurrent loans to loans | 0.5808% | 2,116 |
| Net loans and leases to total assets | 74.9619% | 718 |
| Net loans and leases to deposits | 84.7194% | 1,075 |
| Net loans and leases to core deposits | 95.3769% | 911 |
| Total domestic deposits to total assets | 88.4825% | 1,617 |
| Equity capital to assets | 10.3209% | 2,420 |
| Core capital (leverage) ratio | 10.3400% | 2,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $45,114,500 | 4,725 |
| Average earning assets | $41,783,500 | 4,709 |
| Average equity | $4,635,000 | 4,781 |
| Average total loans | $34,001,000 | 4,415 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2240% | 70 |
| Cost of funding earning assets | 1.4394% | 108 |
| Net interest margin | 4.7846% | 179 |
| Noninterest income to average assets | 0.6127% | 2,170 |
| Noninterest expense to average assets | 3.8156% | 451 |
| Loan and lease loss provision to assets | 0.0580% | 3,642 |
| Net operating income to assets | 0.9702% | 2,393 |
| Return on assets (ROA) | 0.9702% | 2,543 |
| Pretax return on assets | 1.1442% | 2,533 |
| Return on Equity (ROE) | 9.6786% | 2,129 |
| Retained earnings to average equity (ytd only) | 9.6786% | 647 |
| Net charge-offs to loans | 0.0996% | 1,475 |
| Credit loss provision to net charge-offs | 73.5294% | 3,027 |
| Earnings coverage of net charge-offs (x) | 15.2353% | 2,179 |
| Efficiency ratio | 76.0407% | 1,222 |
| Assets per employee ($millions) | 3.4116% | 4,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6289% | 4,685 |
| Loan loss allowance to noncurrent loans | 98.1308% | 3,360 |
| Noncurrent assets plus other real estate owned to assets | 0.4825% | 2,113 |
| Noncurrent loans to loans | 0.6408% | 2,079 |
| Net loans and leases to total assets | 74.8213% | 924 |
| Net loans and leases to deposits | 84.6574% | 1,394 |
| Net loans and leases to core deposits | 97.6747% | 1,020 |
| Total domestic deposits to total assets | 88.3813% | 1,286 |
| Equity capital to assets | 10.2252% | 2,911 |
| Core capital (leverage) ratio | 10.3533% | 2,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $43,086,000 | 4,735 |
| Average earning assets | $39,668,800 | 4,720 |
| Average equity | $4,318,800 | 4,819 |
| Average total loans | $34,149,800 | 4,427 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3960% | 70 |
| Cost of funding earning assets | 1.5107% | 116 |
| Net interest margin | 4.8852% | 170 |
| Noninterest income to average assets | 0.6079% | 2,146 |
| Noninterest expense to average assets | 3.8531% | 434 |
| Loan and lease loss provision to assets | 0.0772% | 3,356 |
| Net operating income to assets | 1.0007% | 2,338 |
| Return on assets (ROA) | 1.0007% | 2,466 |
| Pretax return on assets | 1.1628% | 2,517 |
| Return on Equity (ROE) | 10.0355% | 2,008 |
| Retained earnings to average equity (ytd only) | 10.0355% | 756 |
| Net charge-offs to loans | 0.1398% | 1,041 |
| Credit loss provision to net charge-offs | 69.4444% | 2,813 |
| Earnings coverage of net charge-offs (x) | 11.0556% | 2,318 |
| Efficiency ratio | 75.6426% | 1,239 |
| Assets per employee ($millions) | 3.0862% | 4,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6060% | 4,713 |
| Loan loss allowance to noncurrent loans | 84.2105% | 3,500 |
| Noncurrent assets plus other real estate owned to assets | 0.5717% | 2,011 |
| Noncurrent loans to loans | 0.7196% | 1,999 |
| Net loans and leases to total assets | 78.9617% | 715 |
| Net loans and leases to deposits | 89.8312% | 1,282 |
| Net loans and leases to core deposits | 103.9899% | 923 |
| Total domestic deposits to total assets | 87.9001% | 1,262 |
| Equity capital to assets | 10.2784% | 2,981 |
| Core capital (leverage) ratio | 10.1658% | 2,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $42,769,750 | 4,757 |
| Average earning assets | $39,273,750 | 4,750 |
| Average equity | $4,264,750 | 4,849 |
| Average total loans | $34,338,750 | 4,454 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3916% | 90 |
| Cost of funding earning assets | 1.5532% | 141 |
| Net interest margin | 4.8384% | 265 |
| Noninterest income to average assets | 0.6241% | 2,042 |
| Noninterest expense to average assets | 3.8664% | 473 |
| Loan and lease loss provision to assets | 0.0985% | 3,042 |
| Net operating income to assets | 0.9384% | 2,548 |
| Return on assets (ROA) | 0.9384% | 2,677 |
| Pretax return on assets | 1.1027% | 2,701 |
| Return on Equity (ROE) | 9.5102% | 2,147 |
| Retained earnings to average equity (ytd only) | 9.5102% | 873 |
| Net charge-offs to loans | 0.2504% | 628 |
| Credit loss provision to net charge-offs | 48.8372% | 2,631 |
| Earnings coverage of net charge-offs (x) | 5.9535% | 2,478 |
| Efficiency ratio | 76.2963% | 1,234 |
| Assets per employee ($millions) | 3.3935% | 4,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5673% | 4,776 |
| Loan loss allowance to noncurrent loans | 66.5541% | 3,781 |
| Noncurrent assets plus other real estate owned to assets | 0.7390% | 1,673 |
| Noncurrent loans to loans | 0.8523% | 1,784 |
| Net loans and leases to total assets | 78.2750% | 818 |
| Net loans and leases to deposits | 88.3462% | 1,519 |
| Net loans and leases to core deposits | 103.4451% | 1,038 |
| Total domestic deposits to total assets | 88.6002% | 907 |
| Equity capital to assets | 9.7881% | 3,382 |
| Core capital (leverage) ratio | 9.8904% | 2,932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $42,624,000 | 4,780 |
| Average earning assets | $39,145,000 | 4,772 |
| Average equity | $4,206,000 | 4,881 |
| Average total loans | $34,343,333 | 4,467 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5995% | 80 |
| Cost of funding earning assets | 1.6264% | 174 |
| Net interest margin | 4.9731% | 204 |
| Noninterest income to average assets | 0.6208% | 1,945 |
| Noninterest expense to average assets | 4.1071% | 447 |
| Loan and lease loss provision to assets | 0.1146% | 2,251 |
| Net operating income to assets | 0.7355% | 3,150 |
| Return on assets (ROA) | 0.7355% | 3,230 |
| Pretax return on assets | 0.9551% | 2,982 |
| Return on Equity (ROE) | 7.4217% | 2,770 |
| Retained earnings to average equity (ytd only) | 7.4217% | 1,403 |
| Net charge-offs to loans | 0.5856% | 250 |
| Credit loss provision to net charge-offs | 24.0000% | 2,183 |
| Earnings coverage of net charge-offs (x) | 2.2400% | 2,303 |
| Efficiency ratio | 79.3358% | 1,206 |
| Assets per employee ($millions) | 2.8169% | 4,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5350% | 4,843 |
| Loan loss allowance to noncurrent loans | 76.6949% | 3,630 |
| Noncurrent assets plus other real estate owned to assets | 0.6295% | 2,112 |
| Noncurrent loans to loans | 0.6975% | 2,253 |
| Net loans and leases to total assets | 79.6440% | 739 |
| Net loans and leases to deposits | 89.8585% | 1,528 |
| Net loans and leases to core deposits | 105.0509% | 1,115 |
| Total domestic deposits to total assets | 88.6328% | 827 |
| Equity capital to assets | 9.9259% | 3,854 |
| Core capital (leverage) ratio | 10.0430% | 3,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $41,878,500 | 4,812 |
| Average earning assets | $38,366,500 | 4,813 |
| Average equity | $4,150,000 | 4,927 |
| Average total loans | $34,151,000 | 4,496 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5950% | 97 |
| Cost of funding earning assets | 1.6044% | 296 |
| Net interest margin | 4.9906% | 280 |
| Noninterest income to average assets | 0.6872% | 1,858 |
| Noninterest expense to average assets | 4.1431% | 448 |
| Loan and lease loss provision to assets | 0.0645% | 2,738 |
| Net operating income to assets | 0.8336% | 3,438 |
| Return on assets (ROA) | 0.8336% | 3,530 |
| Pretax return on assets | 1.0866% | 3,212 |
| Return on Equity (ROE) | 8.5566% | 2,923 |
| Retained earnings to average equity (ytd only) | 8.5566% | 817 |
| Net charge-offs to loans | 0.1695% | 1,194 |
| Credit loss provision to net charge-offs | 45.6140% | 3,160 |
| Earnings coverage of net charge-offs (x) | 8.1404% | 2,804 |
| Efficiency ratio | 78.2568% | 1,120 |
| Assets per employee ($millions) | 2.9646% | 4,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6354% | 4,677 |
| Loan loss allowance to noncurrent loans | 65.7658% | 3,837 |
| Noncurrent assets plus other real estate owned to assets | 0.9276% | 1,370 |
| Noncurrent loans to loans | 0.9661% | 1,583 |
| Net loans and leases to total assets | 82.5222% | 487 |
| Net loans and leases to deposits | 92.9494% | 1,267 |
| Net loans and leases to core deposits | 109.0903% | 906 |
| Total domestic deposits to total assets | 88.7818% | 757 |
| Equity capital to assets | 9.8930% | 4,018 |
| Core capital (leverage) ratio | 9.8346% | 3,694 |
| Tier 1 risk-based capital ratio | 13.2358% | 3,660 |
| Total risk-based capital ratio | 13.9495% | 3,832 |
| Memoranda: | ||
| Average total assets | $40,308,000 | 4,889 |
| Average earning assets | $37,209,800 | 4,873 |
| Average equity | $3,926,800 | 4,997 |
| Average total loans | $33,628,200 | 4,563 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5463% | 105 |
| Cost of funding earning assets | 1.5662% | 334 |
| Net interest margin | 4.9801% | 302 |
| Noninterest income to average assets | 0.6732% | 1,904 |
| Noninterest expense to average assets | 4.0923% | 476 |
| Loan and lease loss provision to assets | 0.0600% | 2,694 |
| Net operating income to assets | 0.8565% | 3,496 |
| Return on assets (ROA) | 0.8565% | 3,574 |
| Pretax return on assets | 1.1197% | 3,240 |
| Return on Equity (ROE) | 8.8269% | 2,948 |
| Retained earnings to average equity (ytd only) | 8.8269% | 1,093 |
| Net charge-offs to loans | 0.1197% | 1,302 |
| Credit loss provision to net charge-offs | 60.0000% | 2,707 |
| Earnings coverage of net charge-offs (x) | 11.7998% | 2,415 |
| Efficiency ratio | 77.6233% | 1,137 |
| Assets per employee ($millions) | 2.9233% | 4,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6824% | 4,685 |
| Loan loss allowance to noncurrent loans | 83.5088% | 3,581 |
| Noncurrent assets plus other real estate owned to assets | 0.8967% | 1,514 |
| Noncurrent loans to loans | 0.8172% | 1,927 |
| Net loans and leases to total assets | 84.6332% | 282 |
| Net loans and leases to deposits | 95.3609% | 1,090 |
| Net loans and leases to core deposits | 111.1193% | 893 |
| Total domestic deposits to total assets | 88.7504% | 711 |
| Equity capital to assets | 9.8324% | 4,179 |
| Core capital (leverage) ratio | 9.8047% | 3,849 |
| Tier 1 risk-based capital ratio | 12.7715% | 3,974 |
| Total risk-based capital ratio | 13.5350% | 4,146 |
| Memoranda: | ||
| Average total assets | $40,009,000 | 4,963 |
| Average earning assets | $36,946,000 | 4,955 |
| Average equity | $3,882,000 | 5,074 |
| Average total loans | $33,418,000 | 4,627 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4581% | 117 |
| Cost of funding earning assets | 1.4945% | 385 |
| Net interest margin | 4.9636% | 309 |
| Noninterest income to average assets | 0.6297% | 2,023 |
| Noninterest expense to average assets | 4.0349% | 511 |
| Loan and lease loss provision to assets | 0.0604% | 2,615 |
| Net operating income to assets | 0.8564% | 3,450 |
| Return on assets (ROA) | 0.8564% | 3,506 |
| Pretax return on assets | 1.1183% | 3,180 |
| Return on Equity (ROE) | 8.8665% | 2,912 |
| Retained earnings to average equity (ytd only) | 8.8665% | 1,070 |
| Net charge-offs to loans | 0.0972% | 1,392 |
| Credit loss provision to net charge-offs | 75.0000% | 2,272 |
| Earnings coverage of net charge-offs (x) | 14.6250% | 2,023 |
| Efficiency ratio | 77.3913% | 1,229 |
| Assets per employee ($millions) | 2.8978% | 4,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7424% | 4,621 |
| Loan loss allowance to noncurrent loans | 71.5116% | 3,810 |
| Noncurrent assets plus other real estate owned to assets | 1.0501% | 1,306 |
| Noncurrent loans to loans | 1.0381% | 1,577 |
| Net loans and leases to total assets | 81.0742% | 722 |
| Net loans and leases to deposits | 91.0377% | 1,620 |
| Net loans and leases to core deposits | 107.2206% | 1,159 |
| Total domestic deposits to total assets | 89.0557% | 646 |
| Equity capital to assets | 9.7045% | 4,231 |
| Core capital (leverage) ratio | 9.7204% | 3,911 |
| Tier 1 risk-based capital ratio | 13.2965% | 3,693 |
| Total risk-based capital ratio | 14.1364% | 3,800 |
| Memoranda: | ||
| Average total assets | $39,703,330 | 5,014 |
| Average earning assets | $36,667,000 | 4,996 |
| Average equity | $3,834,670 | 5,117 |
| Average total loans | $32,932,330 | 4,678 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3906% | 129 |
| Cost of funding earning assets | 1.4189% | 427 |
| Net interest margin | 4.9717% | 296 |
| Noninterest income to average assets | 0.4991% | 2,558 |
| Noninterest expense to average assets | 4.2576% | 374 |
| Loan and lease loss provision to assets | 0.0611% | 2,434 |
| Net operating income to assets | 0.6010% | 4,245 |
| Return on assets (ROA) | 0.6010% | 4,280 |
| Pretax return on assets | 0.7843% | 4,079 |
| Return on Equity (ROE) | 6.2376% | 3,943 |
| Retained earnings to average equity (ytd only) | 6.2376% | 2,351 |
| Net charge-offs to loans | 0.0487% | 1,585 |
| Credit loss provision to net charge-offs | 150.0000% | 1,232 |
| Earnings coverage of net charge-offs (x) | 20.7500% | 1,547 |
| Efficiency ratio | 83.4331% | 753 |
| Assets per employee ($millions) | 3.0901% | 4,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7651% | 4,623 |
| Loan loss allowance to noncurrent loans | 74.1176% | 3,800 |
| Noncurrent assets plus other real estate owned to assets | 1.2994% | 1,007 |
| Noncurrent loans to loans | 1.0323% | 1,620 |
| Net loans and leases to total assets | 81.3647% | 663 |
| Net loans and leases to deposits | 91.1182% | 1,496 |
| Net loans and leases to core deposits | 106.4658% | 1,143 |
| Total domestic deposits to total assets | 89.2958% | 731 |
| Equity capital to assets | 9.5019% | 4,259 |
| Core capital (leverage) ratio | 9.6131% | 4,008 |
| Tier 1 risk-based capital ratio | 13.2013% | 3,774 |
| Total risk-based capital ratio | 14.0816% | 3,861 |
| Memoranda: | ||
| Average total assets | $39,270,500 | 5,074 |
| Average earning assets | $36,366,000 | 5,050 |
| Average equity | $3,783,500 | 5,171 |
| Average total loans | $32,830,000 | 4,731 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4103% | 98 |
| Cost of funding earning assets | 1.1247% | 460 |
| Net interest margin | 5.2856% | 165 |
| Noninterest income to average assets | 0.6859% | 1,905 |
| Noninterest expense to average assets | 4.1917% | 403 |
| Loan and lease loss provision to assets | 0.0841% | 2,450 |
| Net operating income to assets | 0.9934% | 3,037 |
| Return on assets (ROA) | 0.9934% | 3,032 |
| Pretax return on assets | 1.3009% | 2,494 |
| Return on Equity (ROE) | 10.5989% | 2,248 |
| Retained earnings to average equity (ytd only) | 10.5989% | 507 |
| Net charge-offs to loans | 0.1494% | 1,285 |
| Credit loss provision to net charge-offs | 66.6667% | 3,031 |
| Earnings coverage of net charge-offs (x) | 10.9792% | 2,667 |
| Efficiency ratio | 75.1649% | 1,471 |
| Assets per employee ($millions) | 2.9515% | 5,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7640% | 4,638 |
| Loan loss allowance to noncurrent loans | 51.5464% | 4,291 |
| Noncurrent assets plus other real estate owned to assets | 1.7826% | 583 |
| Noncurrent loans to loans | 1.4821% | 1,031 |
| Net loans and leases to total assets | 84.6312% | 356 |
| Net loans and leases to deposits | 95.0031% | 1,171 |
| Net loans and leases to core deposits | 113.2055% | 821 |
| Total domestic deposits to total assets | 89.0826% | 824 |
| Equity capital to assets | 9.7733% | 3,883 |
| Core capital (leverage) ratio | 9.7598% | 3,849 |
| Tier 1 risk-based capital ratio | 13.1810% | 3,737 |
| Total risk-based capital ratio | 14.0598% | 3,841 |
| Memoranda: | ||
| Average total assets | $38,051,400 | 5,130 |
| Average earning assets | $35,209,200 | 5,107 |
| Average equity | $3,566,400 | 5,228 |
| Average total loans | $32,136,600 | 4,763 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3414% | 100 |
| Cost of funding earning assets | 1.0778% | 432 |
| Net interest margin | 5.2637% | 160 |
| Noninterest income to average assets | 0.6742% | 1,962 |
| Noninterest expense to average assets | 4.0906% | 465 |
| Loan and lease loss provision to assets | 0.0878% | 2,218 |
| Net operating income to assets | 1.0464% | 2,885 |
| Return on assets (ROA) | 1.0464% | 2,894 |
| Pretax return on assets | 1.3659% | 2,356 |
| Return on Equity (ROE) | 11.2859% | 2,059 |
| Retained earnings to average equity (ytd only) | 11.2859% | 593 |
| Net charge-offs to loans | 0.2042% | 830 |
| Credit loss provision to net charge-offs | 51.0204% | 2,821 |
| Earnings coverage of net charge-offs (x) | 8.4493% | 2,706 |
| Efficiency ratio | 73.7809% | 1,628 |
| Assets per employee ($millions) | 2.9482% | 5,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7345% | 4,799 |
| Loan loss allowance to noncurrent loans | 47.3581% | 4,449 |
| Noncurrent assets plus other real estate owned to assets | 1.5081% | 844 |
| Noncurrent loans to loans | 1.5509% | 1,034 |
| Net loans and leases to total assets | 85.3389% | 327 |
| Net loans and leases to deposits | 95.8250% | 1,177 |
| Net loans and leases to core deposits | 113.2514% | 854 |
| Total domestic deposits to total assets | 89.0570% | 830 |
| Equity capital to assets | 9.5549% | 4,028 |
| Core capital (leverage) ratio | 9.6776% | 3,969 |
| Tier 1 risk-based capital ratio | 12.8947% | 3,965 |
| Total risk-based capital ratio | 13.7448% | 4,090 |
| Memoranda: | ||
| Average total assets | $37,971,750 | 5,193 |
| Average earning assets | $35,133,000 | 5,171 |
| Average equity | $3,520,500 | 5,304 |
| Average total loans | $31,990,000 | 4,826 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3127% | 93 |
| Cost of funding earning assets | 1.0455% | 371 |
| Net interest margin | 5.2673% | 148 |
| Noninterest income to average assets | 0.7238% | 1,773 |
| Noninterest expense to average assets | 4.0419% | 500 |
| Loan and lease loss provision to assets | 0.0845% | 2,224 |
| Net operating income to assets | 1.1254% | 2,499 |
| Return on assets (ROA) | 1.1254% | 2,502 |
| Pretax return on assets | 1.4688% | 1,930 |
| Return on Equity (ROE) | 12.2649% | 1,633 |
| Retained earnings to average equity (ytd only) | 12.2649% | 479 |
| Net charge-offs to loans | 0.2779% | 574 |
| Credit loss provision to net charge-offs | 36.3636% | 2,592 |
| Earnings coverage of net charge-offs (x) | 6.6818% | 2,603 |
| Efficiency ratio | 72.2380% | 1,964 |
| Assets per employee ($millions) | 2.9525% | 5,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7381% | 4,851 |
| Loan loss allowance to noncurrent loans | 44.2379% | 4,519 |
| Noncurrent assets plus other real estate owned to assets | 1.5763% | 821 |
| Noncurrent loans to loans | 1.6685% | 955 |
| Net loans and leases to total assets | 83.3907% | 532 |
| Net loans and leases to deposits | 93.2007% | 1,446 |
| Net loans and leases to core deposits | 111.1354% | 932 |
| Total domestic deposits to total assets | 89.4742% | 749 |
| Equity capital to assets | 9.3247% | 4,262 |
| Core capital (leverage) ratio | 9.4546% | 4,171 |
| Tier 1 risk-based capital ratio | 12.6705% | 4,081 |
| Total risk-based capital ratio | 13.5117% | 4,210 |
| Memoranda: | ||
| Average total assets | $37,853,670 | 5,256 |
| Average earning assets | $35,008,670 | 5,237 |
| Average equity | $3,473,330 | 5,371 |
| Average total loans | $31,670,330 | 4,886 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3327% | 88 |
| Cost of funding earning assets | 1.0132% | 350 |
| Net interest margin | 5.3194% | 135 |
| Noninterest income to average assets | 0.6917% | 1,868 |
| Noninterest expense to average assets | 4.2565% | 374 |
| Loan and lease loss provision to assets | 0.0745% | 2,275 |
| Net operating income to assets | 0.9684% | 2,994 |
| Return on assets (ROA) | 0.9684% | 3,021 |
| Pretax return on assets | 1.2770% | 2,444 |
| Return on Equity (ROE) | 10.6417% | 2,109 |
| Retained earnings to average equity (ytd only) | 10.6417% | 980 |
| Net charge-offs to loans | 0.0637% | 1,470 |
| Credit loss provision to net charge-offs | 140.0000% | 1,272 |
| Earnings coverage of net charge-offs (x) | 25.4000% | 1,344 |
| Efficiency ratio | 75.9013% | 1,603 |
| Assets per employee ($millions) | 2.9409% | 5,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8400% | 4,674 |
| Loan loss allowance to noncurrent loans | 52.2417% | 4,413 |
| Noncurrent assets plus other real estate owned to assets | 1.5171% | 911 |
| Noncurrent loans to loans | 1.6078% | 1,080 |
| Net loans and leases to total assets | 82.7527% | 564 |
| Net loans and leases to deposits | 92.4574% | 1,396 |
| Net loans and leases to core deposits | 109.2246% | 1,047 |
| Total domestic deposits to total assets | 89.5036% | 887 |
| Equity capital to assets | 9.0526% | 4,500 |
| Core capital (leverage) ratio | 9.2670% | 4,359 |
| Tier 1 risk-based capital ratio | 12.5253% | 4,223 |
| Total risk-based capital ratio | 13.4944% | 4,307 |
| Memoranda: | ||
| Average total assets | $37,589,500 | 5,317 |
| Average earning assets | $34,740,500 | 5,299 |
| Average equity | $3,420,500 | 5,429 |
| Average total loans | $31,383,000 | 4,940 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3098% | 95 |
| Cost of funding earning assets | 0.9753% | 247 |
| Net interest margin | 5.3345% | 137 |
| Noninterest income to average assets | 0.6757% | 2,066 |
| Noninterest expense to average assets | 4.3264% | 364 |
| Loan and lease loss provision to assets | 0.1732% | 1,261 |
| Net operating income to assets | 0.6728% | 3,720 |
| Return on assets (ROA) | 0.6728% | 3,770 |
| Pretax return on assets | 1.0674% | 3,310 |
| Return on Equity (ROE) | 7.2704% | 3,137 |
| Retained earnings to average equity (ytd only) | 7.2704% | 992 |
| Net charge-offs to loans | 0.1278% | 1,768 |
| Credit loss provision to net charge-offs | 164.8649% | 1,629 |
| Earnings coverage of net charge-offs (x) | 11.8108% | 2,530 |
| Efficiency ratio | 77.7155% | 1,393 |
| Assets per employee ($millions) | 2.8421% | 5,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8620% | 4,627 |
| Loan loss allowance to noncurrent loans | 49.7196% | 4,500 |
| Noncurrent assets plus other real estate owned to assets | 1.7160% | 742 |
| Noncurrent loans to loans | 1.7336% | 932 |
| Net loans and leases to total assets | 82.8051% | 589 |
| Net loans and leases to deposits | 92.6445% | 1,431 |
| Net loans and leases to core deposits | 110.3640% | 978 |
| Total domestic deposits to total assets | 89.3794% | 833 |
| Equity capital to assets | 9.1482% | 4,580 |
| Core capital (leverage) ratio | 9.3874% | 4,179 |
| Tier 1 risk-based capital ratio | 12.6072% | 4,140 |
| Total risk-based capital ratio | 13.5987% | 4,208 |
| Memoranda: | ||
| Average total assets | $35,225,200 | 5,408 |
| Average earning assets | $32,299,000 | 5,399 |
| Average equity | $3,259,800 | 5,503 |
| Average total loans | $28,943,000 | 5,047 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2558% | 98 |
| Cost of funding earning assets | 0.9666% | 231 |
| Net interest margin | 5.2892% | 147 |
| Noninterest income to average assets | 0.7012% | 1,996 |
| Noninterest expense to average assets | 4.2458% | 390 |
| Loan and lease loss provision to assets | 0.0805% | 2,480 |
| Net operating income to assets | 0.7817% | 3,598 |
| Return on assets (ROA) | 0.7817% | 3,648 |
| Pretax return on assets | 1.2185% | 2,830 |
| Return on Equity (ROE) | 8.4214% | 2,921 |
| Retained earnings to average equity (ytd only) | 8.4214% | 1,043 |
| Net charge-offs to loans | 0.0468% | 2,507 |
| Credit loss provision to net charge-offs | 210.0000% | 1,301 |
| Earnings coverage of net charge-offs (x) | 33.9077% | 1,457 |
| Efficiency ratio | 76.5722% | 1,514 |
| Assets per employee ($millions) | 2.7348% | 5,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8536% | 4,745 |
| Loan loss allowance to noncurrent loans | 43.3219% | 4,680 |
| Noncurrent assets plus other real estate owned to assets | 2.1264% | 591 |
| Noncurrent loans to loans | 1.9704% | 870 |
| Net loans and leases to total assets | 82.6541% | 583 |
| Net loans and leases to deposits | 92.9084% | 1,433 |
| Net loans and leases to core deposits | 103.8154% | 1,400 |
| Total domestic deposits to total assets | 88.9630% | 906 |
| Equity capital to assets | 9.4310% | 4,509 |
| Core capital (leverage) ratio | 9.5694% | 4,069 |
| Tier 1 risk-based capital ratio | 12.7821% | 4,150 |
| Total risk-based capital ratio | 13.7497% | 4,232 |
| Memoranda: | ||
| Average total assets | $34,794,750 | 5,474 |
| Average earning assets | $31,863,000 | 5,466 |
| Average equity | $3,229,750 | 5,568 |
| Average total loans | $28,463,750 | 5,114 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1648% | 105 |
| Cost of funding earning assets | 0.9631% | 208 |
| Net interest margin | 5.2017% | 164 |
| Noninterest income to average assets | 0.6253% | 2,345 |
| Noninterest expense to average assets | 4.3194% | 363 |
| Loan and lease loss provision to assets | 0.0869% | 2,248 |
| Net operating income to assets | 0.6253% | 4,184 |
| Return on assets (ROA) | 0.6253% | 4,234 |
| Pretax return on assets | 0.9727% | 3,680 |
| Return on Equity (ROE) | 6.7740% | 3,678 |
| Retained earnings to average equity (ytd only) | 6.7740% | 1,702 |
| Net charge-offs to loans | 0.0356% | 2,481 |
| Credit loss provision to net charge-offs | 300.0000% | 956 |
| Earnings coverage of net charge-offs (x) | 36.6000% | 1,327 |
| Efficiency ratio | 80.3014% | 1,178 |
| Assets per employee ($millions) | 2.7263% | 5,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8654% | 4,769 |
| Loan loss allowance to noncurrent loans | 37.7811% | 4,828 |
| Noncurrent assets plus other real estate owned to assets | 2.6127% | 395 |
| Noncurrent loans to loans | 2.2906% | 699 |
| Net loans and leases to total assets | 81.4486% | 754 |
| Net loans and leases to deposits | 91.0401% | 1,606 |
| Net loans and leases to core deposits | 102.6966% | 1,455 |
| Total domestic deposits to total assets | 89.4645% | 738 |
| Equity capital to assets | 9.1953% | 4,719 |
| Core capital (leverage) ratio | 9.3853% | 4,249 |
| Tier 1 risk-based capital ratio | 12.4201% | 4,344 |
| Total risk-based capital ratio | 13.3844% | 4,422 |
| Memoranda: | ||
| Average total assets | $34,542,000 | 5,526 |
| Average earning assets | $31,566,330 | 5,524 |
| Average equity | $3,188,670 | 5,619 |
| Average total loans | $28,072,000 | 5,163 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0398% | 115 |
| Cost of funding earning assets | 0.9659% | 194 |
| Net interest margin | 5.0740% | 199 |
| Noninterest income to average assets | 0.5163% | 2,863 |
| Noninterest expense to average assets | 4.6111% | 301 |
| Loan and lease loss provision to assets | 0.0704% | 2,401 |
| Net operating income to assets | 0.2933% | 5,213 |
| Return on assets (ROA) | 0.2933% | 5,226 |
| Pretax return on assets | 0.4576% | 5,040 |
| Return on Equity (ROE) | 3.1711% | 5,052 |
| Retained earnings to average equity (ytd only) | 3.1711% | 3,837 |
| Net charge-offs to loans | -0.0436% | 5,121 |
| Credit loss provision to net charge-offs | -200.0000% | 4,040 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7260% | 572 |
| Assets per employee ($millions) | 2.6679% | 5,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9028% | 4,747 |
| Loan loss allowance to noncurrent loans | 39.9682% | 4,861 |
| Noncurrent assets plus other real estate owned to assets | 2.5776% | 441 |
| Noncurrent loans to loans | 2.2587% | 739 |
| Net loans and leases to total assets | 79.4395% | 912 |
| Net loans and leases to deposits | 88.8631% | 1,682 |
| Net loans and leases to core deposits | 99.1864% | 1,568 |
| Total domestic deposits to total assets | 89.3954% | 949 |
| Equity capital to assets | 9.1342% | 4,679 |
| Core capital (leverage) ratio | 9.2928% | 4,353 |
| Tier 1 risk-based capital ratio | 12.6162% | 4,317 |
| Total risk-based capital ratio | 13.6173% | 4,375 |
| Memoranda: | ||
| Average total assets | $34,092,000 | 5,600 |
| Average earning assets | $31,060,500 | 5,596 |
| Average equity | $3,153,500 | 5,685 |
| Average total loans | $27,548,500 | 5,229 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2005% | 96 |
| Cost of funding earning assets | 0.9944% | 179 |
| Net interest margin | 5.2061% | 171 |
| Noninterest income to average assets | 0.9147% | 1,360 |
| Noninterest expense to average assets | 4.6456% | 334 |
| Loan and lease loss provision to assets | 0.0752% | 2,849 |
| Net operating income to assets | 0.5616% | 4,381 |
| Return on assets (ROA) | 0.5596% | 4,495 |
| Pretax return on assets | 0.8695% | 3,944 |
| Return on Equity (ROE) | 6.0772% | 3,941 |
| Retained earnings to average equity (ytd only) | 6.0772% | 1,667 |
| Net charge-offs to loans | 0.3649% | 750 |
| Credit loss provision to net charge-offs | 26.8817% | 3,616 |
| Earnings coverage of net charge-offs (x) | 3.3871% | 3,675 |
| Efficiency ratio | 83.0554% | 1,093 |
| Assets per employee ($millions) | 2.5770% | 5,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8866% | 4,831 |
| Loan loss allowance to noncurrent loans | 40.2662% | 4,885 |
| Noncurrent assets plus other real estate owned to assets | 2.6775% | 426 |
| Noncurrent loans to loans | 2.2019% | 776 |
| Net loans and leases to total assets | 80.7498% | 774 |
| Net loans and leases to deposits | 90.6538% | 1,616 |
| Net loans and leases to core deposits | 100.1407% | 1,610 |
| Total domestic deposits to total assets | 89.0750% | 1,081 |
| Equity capital to assets | 9.3699% | 4,405 |
| Core capital (leverage) ratio | 9.4810% | 4,111 |
| Tier 1 risk-based capital ratio | 12.6413% | 4,295 |
| Total risk-based capital ratio | 13.6116% | 4,353 |
| Memoranda: | ||
| Average total assets | $33,235,800 | 5,667 |
| Average earning assets | $29,868,600 | 5,661 |
| Average equity | $3,060,600 | 5,754 |
| Average total loans | $25,484,800 | 5,332 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2156% | 95 |
| Cost of funding earning assets | 1.0015% | 169 |
| Net interest margin | 5.2141% | 166 |
| Noninterest income to average assets | 0.9205% | 1,346 |
| Noninterest expense to average assets | 4.5744% | 360 |
| Loan and lease loss provision to assets | 0.0402% | 3,437 |
| Net operating income to assets | 0.6256% | 4,182 |
| Return on assets (ROA) | 0.6230% | 4,319 |
| Pretax return on assets | 0.9687% | 3,744 |
| Return on Equity (ROE) | 6.7958% | 3,669 |
| Retained earnings to average equity (ytd only) | 6.7958% | 1,724 |
| Net charge-offs to loans | 0.2504% | 935 |
| Credit loss provision to net charge-offs | 21.2766% | 3,288 |
| Earnings coverage of net charge-offs (x) | 5.3613% | 3,145 |
| Efficiency ratio | 81.8705% | 1,208 |
| Assets per employee ($millions) | 2.5360% | 5,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0798% | 3,947 |
| Loan loss allowance to noncurrent loans | 51.8027% | 4,690 |
| Noncurrent assets plus other real estate owned to assets | 2.6389% | 498 |
| Noncurrent loans to loans | 2.0845% | 924 |
| Net loans and leases to total assets | 75.8584% | 1,546 |
| Net loans and leases to deposits | 85.2851% | 2,335 |
| Net loans and leases to core deposits | 96.3293% | 1,960 |
| Total domestic deposits to total assets | 88.9469% | 935 |
| Equity capital to assets | 9.5032% | 4,658 |
| Core capital (leverage) ratio | 9.4661% | 4,222 |
| Tier 1 risk-based capital ratio | 13.4384% | 3,897 |
| Total risk-based capital ratio | 14.6135% | 3,859 |
| Memoranda: | ||
| Average total assets | $33,169,500 | 5,725 |
| Average earning assets | $29,688,000 | 5,726 |
| Average equity | $3,041,000 | 5,817 |
| Average total loans | $25,032,500 | 5,403 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1554% | 109 |
| Cost of funding earning assets | 1.0068% | 165 |
| Net interest margin | 5.1486% | 188 |
| Noninterest income to average assets | 0.8485% | 1,556 |
| Noninterest expense to average assets | 4.5251% | 376 |
| Loan and lease loss provision to assets | 0.0421% | 3,304 |
| Net operating income to assets | 0.5593% | 4,445 |
| Return on assets (ROA) | 0.5476% | 4,602 |
| Pretax return on assets | 0.8485% | 4,128 |
| Return on Equity (ROE) | 6.0458% | 4,028 |
| Retained earnings to average equity (ytd only) | 6.0458% | 2,096 |
| Net charge-offs to loans | 0.3687% | 626 |
| Credit loss provision to net charge-offs | 15.2174% | 2,966 |
| Earnings coverage of net charge-offs (x) | 3.2826% | 3,136 |
| Efficiency ratio | 83.2780% | 1,115 |
| Assets per employee ($millions) | 2.5258% | 5,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0471% | 4,245 |
| Loan loss allowance to noncurrent loans | 48.3066% | 4,846 |
| Noncurrent assets plus other real estate owned to assets | 2.9359% | 422 |
| Noncurrent loans to loans | 2.1676% | 879 |
| Net loans and leases to total assets | 77.9960% | 1,208 |
| Net loans and leases to deposits | 87.4330% | 2,077 |
| Net loans and leases to core deposits | 95.8602% | 1,989 |
| Total domestic deposits to total assets | 89.2066% | 807 |
| Equity capital to assets | 9.3406% | 4,930 |
| Core capital (leverage) ratio | 9.2793% | 4,486 |
| Tier 1 risk-based capital ratio | 12.7358% | 4,362 |
| Total risk-based capital ratio | 13.8645% | 4,342 |
| Memoranda: | ||
| Average total assets | $33,236,670 | 5,793 |
| Average earning assets | $29,600,000 | 5,797 |
| Average equity | $3,010,330 | 5,891 |
| Average total loans | $24,949,330 | 5,462 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0061% | 120 |
| Cost of funding earning assets | 1.0100% | 158 |
| Net interest margin | 4.9961% | 251 |
| Noninterest income to average assets | 0.6819% | 2,127 |
| Noninterest expense to average assets | 4.4262% | 415 |
| Loan and lease loss provision to assets | 0.0837% | 2,280 |
| Net operating income to assets | 0.3942% | 5,012 |
| Return on assets (ROA) | 0.3708% | 5,156 |
| Pretax return on assets | 0.5742% | 4,892 |
| Return on Equity (ROE) | 4.1583% | 4,834 |
| Retained earnings to average equity (ytd only) | 4.1583% | 3,407 |
| Net charge-offs to loans | 0.6698% | 323 |
| Credit loss provision to net charge-offs | 17.0732% | 2,317 |
| Earnings coverage of net charge-offs (x) | 1.4146% | 2,822 |
| Efficiency ratio | 86.4486% | 939 |
| Assets per employee ($millions) | 2.5744% | 5,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0981% | 4,062 |
| Loan loss allowance to noncurrent loans | 54.8708% | 4,717 |
| Noncurrent assets plus other real estate owned to assets | 2.8804% | 453 |
| Noncurrent loans to loans | 2.0012% | 1,075 |
| Net loans and leases to total assets | 74.2791% | 1,689 |
| Net loans and leases to deposits | 83.0349% | 2,424 |
| Net loans and leases to core deposits | 90.8058% | 2,294 |
| Total domestic deposits to total assets | 89.4553% | 858 |
| Equity capital to assets | 8.9730% | 5,194 |
| Core capital (leverage) ratio | 8.9857% | 4,877 |
| Tier 1 risk-based capital ratio | 12.6589% | 4,478 |
| Total risk-based capital ratio | 13.8243% | 4,446 |
| Memoranda: | ||
| Average total assets | $33,437,500 | 5,849 |
| Average earning assets | $29,703,000 | 5,856 |
| Average equity | $2,982,000 | 5,949 |
| Average total loans | $24,483,500 | 5,530 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0443% | 123 |
| Cost of funding earning assets | 1.0306% | 143 |
| Net interest margin | 5.0137% | 247 |
| Noninterest income to average assets | 0.6181% | 2,629 |
| Noninterest expense to average assets | 4.4144% | 430 |
| Loan and lease loss provision to assets | 0.0879% | 2,542 |
| Net operating income to assets | 0.3757% | 5,120 |
| Return on assets (ROA) | 0.3757% | 5,208 |
| Pretax return on assets | 0.5817% | 4,895 |
| Return on Equity (ROE) | 4.2850% | 4,817 |
| Retained earnings to average equity (ytd only) | 4.2850% | 2,924 |
| Net charge-offs to loans | 0.1626% | 1,742 |
| Credit loss provision to net charge-offs | 76.3158% | 3,018 |
| Earnings coverage of net charge-offs (x) | 5.8158% | 3,322 |
| Efficiency ratio | 86.8296% | 923 |
| Assets per employee ($millions) | 2.5698% | 5,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3008% | 2,896 |
| Loan loss allowance to noncurrent loans | 48.5133% | 4,915 |
| Noncurrent assets plus other real estate owned to assets | 3.2208% | 395 |
| Noncurrent loans to loans | 2.6813% | 659 |
| Net loans and leases to total assets | 70.4083% | 2,306 |
| Net loans and leases to deposits | 78.4564% | 2,999 |
| Net loans and leases to core deposits | 87.4619% | 2,655 |
| Total domestic deposits to total assets | 89.7420% | 732 |
| Equity capital to assets | 8.8631% | 5,257 |
| Core capital (leverage) ratio | 8.9564% | 4,931 |
| Tier 1 risk-based capital ratio | 13.0774% | 4,259 |
| Total risk-based capital ratio | 14.3292% | 4,174 |
| Memoranda: | ||
| Average total assets | $33,005,400 | 5,911 |
| Average earning assets | $29,399,400 | 5,909 |
| Average equity | $2,893,800 | 6,016 |
| Average total loans | $23,369,600 | 5,612 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0924% | 123 |
| Cost of funding earning assets | 1.0344% | 149 |
| Net interest margin | 5.0580% | 223 |
| Noninterest income to average assets | 0.4822% | 3,491 |
| Noninterest expense to average assets | 4.2465% | 517 |
| Loan and lease loss provision to assets | 0.0811% | 2,550 |
| Net operating income to assets | 0.4376% | 5,017 |
| Return on assets (ROA) | 0.4376% | 5,114 |
| Pretax return on assets | 0.6524% | 4,821 |
| Return on Equity (ROE) | 5.0052% | 4,623 |
| Retained earnings to average equity (ytd only) | 5.0052% | 2,912 |
| Net charge-offs to loans | 0.2007% | 1,286 |
| Credit loss provision to net charge-offs | 57.1429% | 2,945 |
| Earnings coverage of net charge-offs (x) | 5.1710% | 3,241 |
| Efficiency ratio | 85.2726% | 1,058 |
| Assets per employee ($millions) | 2.5385% | 5,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2891% | 3,156 |
| Loan loss allowance to noncurrent loans | 64.1350% | 4,567 |
| Noncurrent assets plus other real estate owned to assets | 2.9726% | 515 |
| Noncurrent loans to loans | 2.0099% | 1,149 |
| Net loans and leases to total assets | 70.5403% | 2,308 |
| Net loans and leases to deposits | 78.6373% | 3,029 |
| Net loans and leases to core deposits | 87.7923% | 2,677 |
| Total domestic deposits to total assets | 89.7033% | 691 |
| Equity capital to assets | 8.9422% | 5,361 |
| Core capital (leverage) ratio | 8.7752% | 5,267 |
| Tier 1 risk-based capital ratio | 13.3246% | 4,237 |
| Total risk-based capital ratio | 14.5753% | 4,163 |
| Memoranda: | ||
| Average total assets | $32,904,750 | 5,992 |
| Average earning assets | $29,259,750 | 5,994 |
| Average equity | $2,877,000 | 6,099 |
| Average total loans | $23,254,000 | 5,684 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0075% | 132 |
| Cost of funding earning assets | 1.0230% | 158 |
| Net interest margin | 4.9845% | 253 |
| Noninterest income to average assets | 0.3711% | 4,287 |
| Noninterest expense to average assets | 4.1919% | 546 |
| Loan and lease loss provision to assets | 0.0730% | 2,647 |
| Net operating income to assets | 0.3529% | 5,290 |
| Return on assets (ROA) | 0.3529% | 5,397 |
| Pretax return on assets | 0.5232% | 5,167 |
| Return on Equity (ROE) | 4.0669% | 4,996 |
| Retained earnings to average equity (ytd only) | 4.0669% | 3,436 |
| Net charge-offs to loans | 0.1642% | 1,485 |
| Credit loss provision to net charge-offs | 63.1579% | 2,560 |
| Earnings coverage of net charge-offs (x) | 5.1579% | 2,953 |
| Efficiency ratio | 87.5476% | 936 |
| Assets per employee ($millions) | 2.5972% | 5,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3944% | 2,789 |
| Loan loss allowance to noncurrent loans | 56.9343% | 4,817 |
| Noncurrent assets plus other real estate owned to assets | 3.5453% | 405 |
| Noncurrent loans to loans | 2.4492% | 919 |
| Net loans and leases to total assets | 65.3467% | 3,074 |
| Net loans and leases to deposits | 72.3543% | 3,682 |
| Net loans and leases to core deposits | 79.7679% | 3,416 |
| Total domestic deposits to total assets | 90.3148% | 531 |
| Equity capital to assets | 8.5626% | 5,630 |
| Core capital (leverage) ratio | 8.7653% | 5,265 |
| Tier 1 risk-based capital ratio | 13.7882% | 4,038 |
| Total risk-based capital ratio | 15.0425% | 3,971 |
| Memoranda: | ||
| Average total assets | $32,872,670 | 6,064 |
| Average earning assets | $29,130,330 | 6,061 |
| Average equity | $2,852,330 | 6,167 |
| Average total loans | $23,144,330 | 5,739 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1768% | 107 |
| Cost of funding earning assets | 1.0365% | 144 |
| Net interest margin | 5.1403% | 191 |
| Noninterest income to average assets | -0.1480% | 6,371 |
| Noninterest expense to average assets | 4.3050% | 497 |
| Loan and lease loss provision to assets | 0.0740% | 2,462 |
| Net operating income to assets | 0.0000% | 6,015 |
| Return on assets (ROA) | 0.0000% | 6,054 |
| Pretax return on assets | 0.0000% | 6,047 |
| Return on Equity (ROE) | 0.0000% | 6,055 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,366 |
| Net charge-offs to loans | -0.0170% | 4,965 |
| Credit loss provision to net charge-offs | -600.0000% | 4,855 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.3099% | 421 |
| Assets per employee ($millions) | 2.5156% | 6,101 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3726% | 3,051 |
| Loan loss allowance to noncurrent loans | 63.3010% | 4,632 |
| Noncurrent assets plus other real estate owned to assets | 3.2229% | 551 |
| Noncurrent loans to loans | 2.1684% | 1,177 |
| Net loans and leases to total assets | 71.6265% | 1,875 |
| Net loans and leases to deposits | 79.2503% | 2,649 |
| Net loans and leases to core deposits | 87.6483% | 2,364 |
| Total domestic deposits to total assets | 90.3801% | 572 |
| Equity capital to assets | 8.6873% | 5,585 |
| Core capital (leverage) ratio | 8.7388% | 5,280 |
| Tier 1 risk-based capital ratio | 12.6243% | 4,827 |
| Total risk-based capital ratio | 13.8766% | 4,744 |
| Memoranda: | ||
| Average total assets | $32,427,500 | 6,135 |
| Average earning assets | $28,558,500 | 6,136 |
| Average equity | $2,833,000 | 6,231 |
| Average total loans | $23,529,000 | 5,772 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2310% | 116 |
| Cost of funding earning assets | 1.0660% | 168 |
| Net interest margin | 5.1650% | 220 |
| Noninterest income to average assets | 1.0039% | 1,206 |
| Noninterest expense to average assets | 4.7089% | 392 |
| Loan and lease loss provision to assets | 0.2860% | 733 |
| Net operating income to assets | 0.4880% | 4,857 |
| Return on assets (ROA) | 0.4942% | 4,926 |
| Pretax return on assets | 0.4880% | 5,281 |
| Return on Equity (ROE) | 6.0585% | 4,114 |
| Retained earnings to average equity (ytd only) | 6.0585% | 1,891 |
| Net charge-offs to loans | 0.3046% | 1,451 |
| Credit loss provision to net charge-offs | 133.3333% | 1,779 |
| Earnings coverage of net charge-offs (x) | 3.5797% | 3,851 |
| Efficiency ratio | 85.9818% | 1,172 |
| Assets per employee ($millions) | 2.4662% | 6,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3686% | 3,096 |
| Loan loss allowance to noncurrent loans | 104.9342% | 3,598 |
| Noncurrent assets plus other real estate owned to assets | 2.8915% | 719 |
| Noncurrent loans to loans | 1.3043% | 2,270 |
| Net loans and leases to total assets | 71.7062% | 1,954 |
| Net loans and leases to deposits | 79.1823% | 2,816 |
| Net loans and leases to core deposits | 87.7242% | 2,529 |
| Total domestic deposits to total assets | 90.5583% | 517 |
| Equity capital to assets | 8.5246% | 5,732 |
| Core capital (leverage) ratio | 8.4511% | 5,607 |
| Tier 1 risk-based capital ratio | 12.0289% | 5,344 |
| Total risk-based capital ratio | 13.2794% | 5,250 |
| Memoranda: | ||
| Average total assets | $32,173,200 | 6,215 |
| Average earning assets | $27,860,800 | 6,223 |
| Average equity | $2,624,400 | 6,330 |
| Average total loans | $22,651,800 | 5,868 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1739% | 129 |
| Cost of funding earning assets | 1.0585% | 184 |
| Net interest margin | 5.1154% | 239 |
| Noninterest income to average assets | 1.0351% | 1,141 |
| Noninterest expense to average assets | 4.4800% | 467 |
| Loan and lease loss provision to assets | 0.3312% | 550 |
| Net operating income to assets | 0.6418% | 4,252 |
| Return on assets (ROA) | 0.6459% | 4,330 |
| Pretax return on assets | 0.6500% | 4,873 |
| Return on Equity (ROE) | 8.0081% | 3,200 |
| Retained earnings to average equity (ytd only) | 8.0081% | 1,359 |
| Net charge-offs to loans | 0.2905% | 1,355 |
| Credit loss provision to net charge-offs | 163.2653% | 1,494 |
| Earnings coverage of net charge-offs (x) | 4.8165% | 3,374 |
| Efficiency ratio | 82.0941% | 1,610 |
| Assets per employee ($millions) | 2.5176% | 6,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3676% | 3,314 |
| Loan loss allowance to noncurrent loans | 145.3333% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 2.4932% | 1,062 |
| Noncurrent loans to loans | 0.9410% | 3,209 |
| Net loans and leases to total assets | 72.0584% | 1,840 |
| Net loans and leases to deposits | 79.3006% | 2,805 |
| Net loans and leases to core deposits | 87.6305% | 2,471 |
| Total domestic deposits to total assets | 90.8674% | 399 |
| Equity capital to assets | 8.2679% | 5,969 |
| Core capital (leverage) ratio | 8.4047% | 5,751 |
| Tier 1 risk-based capital ratio | 11.8951% | 5,557 |
| Total risk-based capital ratio | 13.1460% | 5,476 |
| Memoranda: | ||
| Average total assets | $32,201,500 | 6,285 |
| Average earning assets | $27,836,750 | 6,298 |
| Average equity | $2,597,250 | 6,406 |
| Average total loans | $22,487,750 | 5,934 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0956% | 135 |
| Cost of funding earning assets | 1.0607% | 184 |
| Net interest margin | 5.0349% | 266 |
| Noninterest income to average assets | 0.8306% | 1,736 |
| Noninterest expense to average assets | 4.4964% | 453 |
| Loan and lease loss provision to assets | 0.3747% | 463 |
| Net operating income to assets | 0.2810% | 5,633 |
| Return on assets (ROA) | 0.2810% | 5,702 |
| Pretax return on assets | 0.2873% | 5,809 |
| Return on Equity (ROE) | 3.5143% | 5,342 |
| Retained earnings to average equity (ytd only) | 3.5143% | 3,963 |
| Net charge-offs to loans | 0.3362% | 1,211 |
| Credit loss provision to net charge-offs | 162.1622% | 1,384 |
| Earnings coverage of net charge-offs (x) | 2.8649% | 3,444 |
| Efficiency ratio | 87.1671% | 1,170 |
| Assets per employee ($millions) | 2.4951% | 6,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4212% | 3,238 |
| Loan loss allowance to noncurrent loans | 121.7557% | 3,170 |
| Noncurrent assets plus other real estate owned to assets | 3.3913% | 701 |
| Noncurrent loans to loans | 1.1672% | 2,890 |
| Net loans and leases to total assets | 68.2174% | 2,381 |
| Net loans and leases to deposits | 74.7989% | 3,224 |
| Net loans and leases to core deposits | 82.6961% | 2,895 |
| Total domestic deposits to total assets | 91.2011% | 341 |
| Equity capital to assets | 8.0096% | 6,152 |
| Core capital (leverage) ratio | 8.1684% | 5,960 |
| Tier 1 risk-based capital ratio | 11.8591% | 5,617 |
| Total risk-based capital ratio | 13.1094% | 5,545 |
| Memoranda: | ||
| Average total assets | $32,025,670 | 6,351 |
| Average earning assets | $27,528,000 | 6,361 |
| Average equity | $2,561,000 | 6,467 |
| Average total loans | $22,013,330 | 5,989 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0230% | 140 |
| Cost of funding earning assets | 1.0475% | 213 |
| Net interest margin | 4.9755% | 285 |
| Noninterest income to average assets | 0.7417% | 1,985 |
| Noninterest expense to average assets | 4.3620% | 524 |
| Loan and lease loss provision to assets | 0.5657% | 240 |
| Net operating income to assets | 0.1006% | 6,031 |
| Return on assets (ROA) | 0.1006% | 6,061 |
| Pretax return on assets | 0.1131% | 6,054 |
| Return on Equity (ROE) | 1.2586% | 5,987 |
| Retained earnings to average equity (ytd only) | 1.2586% | 5,113 |
| Net charge-offs to loans | 0.7891% | 441 |
| Credit loss provision to net charge-offs | 104.6512% | 1,598 |
| Earnings coverage of net charge-offs (x) | 1.2558% | 3,135 |
| Efficiency ratio | 86.5337% | 1,390 |
| Assets per employee ($millions) | 2.4652% | 6,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3752% | 3,718 |
| Loan loss allowance to noncurrent loans | 104.1958% | 3,520 |
| Noncurrent assets plus other real estate owned to assets | 3.8442% | 643 |
| Noncurrent loans to loans | 1.3198% | 2,826 |
| Net loans and leases to total assets | 66.6875% | 2,447 |
| Net loans and leases to deposits | 73.1317% | 3,186 |
| Net loans and leases to core deposits | 80.9484% | 2,856 |
| Total domestic deposits to total assets | 91.1882% | 489 |
| Equity capital to assets | 7.9693% | 6,082 |
| Core capital (leverage) ratio | 8.2071% | 5,940 |
| Tier 1 risk-based capital ratio | 12.0482% | 5,612 |
| Total risk-based capital ratio | 13.2994% | 5,543 |
| Memoranda: | ||
| Average total assets | $31,820,500 | 6,418 |
| Average earning assets | $27,494,500 | 6,428 |
| Average equity | $2,542,500 | 6,528 |
| Average total loans | $21,797,000 | 6,060 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9874% | 176 |
| Cost of funding earning assets | 1.1080% | 273 |
| Net interest margin | 4.8794% | 375 |
| Noninterest income to average assets | 0.8192% | 1,988 |
| Noninterest expense to average assets | 4.6148% | 476 |
| Loan and lease loss provision to assets | 0.7285% | 308 |
| Net operating income to assets | -0.2282% | 6,379 |
| Return on assets (ROA) | -0.2282% | 6,391 |
| Pretax return on assets | -0.2282% | 6,376 |
| Return on Equity (ROE) | -2.7771% | 6,419 |
| Retained earnings to average equity (ytd only) | -2.7771% | 6,250 |
| Net charge-offs to loans | 1.8521% | 215 |
| Credit loss provision to net charge-offs | 56.2802% | 3,665 |
| Earnings coverage of net charge-offs (x) | 0.3865% | 4,950 |
| Efficiency ratio | 90.2200% | 1,007 |
| Assets per employee ($millions) | 2.4302% | 6,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3501% | 3,892 |
| Loan loss allowance to noncurrent loans | 30.7692% | 5,927 |
| Noncurrent assets plus other real estate owned to assets | 5.1151% | 454 |
| Noncurrent loans to loans | 4.3879% | 615 |
| Net loans and leases to total assets | 68.4582% | 2,269 |
| Net loans and leases to deposits | 75.0477% | 3,093 |
| Net loans and leases to core deposits | 83.1814% | 2,755 |
| Total domestic deposits to total assets | 91.2196% | 495 |
| Equity capital to assets | 8.0113% | 6,011 |
| Core capital (leverage) ratio | 8.1712% | 6,000 |
| Tier 1 risk-based capital ratio | 12.2230% | 5,476 |
| Total risk-based capital ratio | 13.4726% | 5,410 |
| Memoranda: | ||
| Average total assets | $31,983,800 | 6,482 |
| Average earning assets | $28,159,200 | 6,483 |
| Average equity | $2,628,600 | 6,599 |
| Average total loans | $22,352,800 | 6,103 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0493% | 164 |
| Cost of funding earning assets | 1.1166% | 286 |
| Net interest margin | 4.9327% | 352 |
| Noninterest income to average assets | 0.8104% | 2,096 |
| Noninterest expense to average assets | 4.5425% | 501 |
| Loan and lease loss provision to assets | 0.4904% | 566 |
| Net operating income to assets | 0.1288% | 6,079 |
| Return on assets (ROA) | 0.1288% | 6,147 |
| Pretax return on assets | 0.1288% | 6,176 |
| Return on Equity (ROE) | 1.5579% | 6,053 |
| Retained earnings to average equity (ytd only) | 1.5579% | 5,350 |
| Net charge-offs to loans | 1.3535% | 387 |
| Credit loss provision to net charge-offs | 51.7544% | 3,461 |
| Earnings coverage of net charge-offs (x) | 0.6535% | 4,631 |
| Efficiency ratio | 88.0032% | 1,176 |
| Assets per employee ($millions) | 2.4215% | 6,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7192% | 2,561 |
| Loan loss allowance to noncurrent loans | 41.1897% | 5,593 |
| Noncurrent assets plus other real estate owned to assets | 4.4822% | 679 |
| Noncurrent loans to loans | 4.1739% | 832 |
| Net loans and leases to total assets | 66.6455% | 2,533 |
| Net loans and leases to deposits | 73.3413% | 3,343 |
| Net loans and leases to core deposits | 81.3557% | 2,954 |
| Total domestic deposits to total assets | 90.8704% | 587 |
| Equity capital to assets | 8.3704% | 5,860 |
| Core capital (leverage) ratio | 8.5086% | 5,761 |
| Tier 1 risk-based capital ratio | 13.1239% | 5,035 |
| Total risk-based capital ratio | 14.3803% | 4,980 |
| Memoranda: | ||
| Average total assets | $32,081,500 | 6,554 |
| Average earning assets | $28,300,250 | 6,556 |
| Average equity | $2,653,000 | 6,673 |
| Average total loans | $22,460,000 | 6,160 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0316% | 174 |
| Cost of funding earning assets | 1.1196% | 307 |
| Net interest margin | 4.9121% | 357 |
| Noninterest income to average assets | 0.7558% | 2,388 |
| Noninterest expense to average assets | 4.5041% | 524 |
| Loan and lease loss provision to assets | 0.5142% | 521 |
| Net operating income to assets | 0.0867% | 6,158 |
| Return on assets (ROA) | 0.0867% | 6,242 |
| Pretax return on assets | 0.0867% | 6,245 |
| Return on Equity (ROE) | 1.0530% | 6,200 |
| Retained earnings to average equity (ytd only) | 1.0530% | 5,478 |
| Net charge-offs to loans | 1.6118% | 314 |
| Credit loss provision to net charge-offs | 45.1087% | 3,320 |
| Earnings coverage of net charge-offs (x) | 0.5272% | 4,363 |
| Efficiency ratio | 88.2282% | 1,201 |
| Assets per employee ($millions) | 2.4314% | 6,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6875% | 2,825 |
| Loan loss allowance to noncurrent loans | 39.4958% | 5,651 |
| Noncurrent assets plus other real estate owned to assets | 4.1667% | 815 |
| Noncurrent loans to loans | 4.2727% | 861 |
| Net loans and leases to total assets | 69.3021% | 2,018 |
| Net loans and leases to deposits | 76.1145% | 2,855 |
| Net loans and leases to core deposits | 84.3701% | 2,507 |
| Total domestic deposits to total assets | 91.0497% | 529 |
| Equity capital to assets | 8.3618% | 5,907 |
| Core capital (leverage) ratio | 8.3466% | 5,828 |
| Tier 1 risk-based capital ratio | 12.6763% | 5,372 |
| Total risk-based capital ratio | 13.9349% | 5,307 |
| Memoranda: | ||
| Average total assets | $32,282,000 | 6,596 |
| Average earning assets | $28,582,670 | 6,597 |
| Average equity | $2,659,000 | 6,722 |
| Average total loans | $22,831,000 | 6,181 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8427% | 217 |
| Cost of funding earning assets | 1.1464% | 293 |
| Net interest margin | 4.6963% | 475 |
| Noninterest income to average assets | 0.7235% | 2,464 |
| Noninterest expense to average assets | 4.5004% | 534 |
| Loan and lease loss provision to assets | 0.6131% | 412 |
| Net operating income to assets | -0.2207% | 6,528 |
| Return on assets (ROA) | -0.2207% | 6,567 |
| Pretax return on assets | -0.2207% | 6,558 |
| Return on Equity (ROE) | -2.6997% | 6,595 |
| Retained earnings to average equity (ytd only) | -2.6997% | 6,160 |
| Net charge-offs to loans | 2.0081% | 235 |
| Credit loss provision to net charge-offs | 43.1034% | 2,707 |
| Earnings coverage of net charge-offs (x) | 0.2759% | 3,725 |
| Efficiency ratio | 91.9799% | 984 |
| Assets per employee ($millions) | 2.5002% | 6,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7880% | 2,658 |
| Loan loss allowance to noncurrent loans | 35.6771% | 5,797 |
| Noncurrent assets plus other real estate owned to assets | 4.3104% | 874 |
| Noncurrent loans to loans | 5.0117% | 763 |
| Net loans and leases to total assets | 69.4551% | 1,760 |
| Net loans and leases to deposits | 76.1331% | 2,615 |
| Net loans and leases to core deposits | 84.0469% | 2,313 |
| Total domestic deposits to total assets | 91.2285% | 434 |
| Equity capital to assets | 8.1716% | 6,276 |
| Core capital (leverage) ratio | 8.0805% | 6,068 |
| Tier 1 risk-based capital ratio | 12.1768% | 5,805 |
| Total risk-based capital ratio | 13.4327% | 5,761 |
| Memoranda: | ||
| Average total assets | $32,619,000 | 6,652 |
| Average earning assets | $28,959,000 | 6,649 |
| Average equity | $2,667,000 | 6,788 |
| Average total loans | $23,106,000 | 6,215 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2524% | 182 |
| Cost of funding earning assets | 1.4238% | 233 |
| Net interest margin | 4.8286% | 516 |
| Noninterest income to average assets | 0.1677% | 6,193 |
| Noninterest expense to average assets | 4.4123% | 619 |
| Loan and lease loss provision to assets | 0.6831% | 772 |
| Net operating income to assets | -1.0526% | 6,761 |
| Return on assets (ROA) | -1.0526% | 6,778 |
| Pretax return on assets | -0.8104% | 6,676 |
| Return on Equity (ROE) | -12.2189% | 6,771 |
| Retained earnings to average equity (ytd only) | -12.2189% | 6,706 |
| Net charge-offs to loans | 0.9020% | 1,261 |
| Credit loss provision to net charge-offs | 102.8037% | 2,923 |
| Earnings coverage of net charge-offs (x) | -0.1916% | 5,568 |
| Efficiency ratio | 102.9710% | 464 |
| Assets per employee ($millions) | 2.3382% | 6,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0537% | 1,882 |
| Loan loss allowance to noncurrent loans | 36.2738% | 5,804 |
| Noncurrent assets plus other real estate owned to assets | 4.4692% | 929 |
| Noncurrent loans to loans | 5.6618% | 640 |
| Net loans and leases to total assets | 69.4944% | 1,944 |
| Net loans and leases to deposits | 76.2468% | 2,765 |
| Net loans and leases to core deposits | 84.8907% | 2,442 |
| Total domestic deposits to total assets | 91.1440% | 446 |
| Equity capital to assets | 8.1808% | 6,297 |
| Core capital (leverage) ratio | 8.3349% | 5,847 |
| Tier 1 risk-based capital ratio | 12.2652% | 5,622 |
| Total risk-based capital ratio | 13.5267% | 5,568 |
| Memoranda: | ||
| Average total assets | $32,205,400 | 6,703 |
| Average earning assets | $27,461,600 | 6,726 |
| Average equity | $2,774,400 | 6,827 |
| Average total loans | $23,726,200 | 6,253 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3772% | 158 |
| Cost of funding earning assets | 1.4944% | 208 |
| Net interest margin | 4.8828% | 492 |
| Noninterest income to average assets | 0.4032% | 4,612 |
| Noninterest expense to average assets | 4.2943% | 660 |
| Loan and lease loss provision to assets | 0.7691% | 632 |
| Net operating income to assets | -0.5446% | 6,719 |
| Return on assets (ROA) | -0.5446% | 6,744 |
| Pretax return on assets | -0.5446% | 6,720 |
| Return on Equity (ROE) | -6.2412% | 6,764 |
| Retained earnings to average equity (ytd only) | -6.2412% | 6,683 |
| Net charge-offs to loans | 0.9056% | 1,203 |
| Credit loss provision to net charge-offs | 114.1975% | 2,554 |
| Earnings coverage of net charge-offs (x) | 0.3333% | 5,156 |
| Efficiency ratio | 95.0322% | 710 |
| Assets per employee ($millions) | 2.2658% | 6,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1364% | 1,840 |
| Loan loss allowance to noncurrent loans | 37.6812% | 5,761 |
| Noncurrent assets plus other real estate owned to assets | 5.2268% | 831 |
| Noncurrent loans to loans | 5.6697% | 748 |
| Net loans and leases to total assets | 71.3376% | 1,673 |
| Net loans and leases to deposits | 78.5048% | 2,600 |
| Net loans and leases to core deposits | 87.7535% | 2,240 |
| Total domestic deposits to total assets | 90.8704% | 443 |
| Equity capital to assets | 8.4707% | 6,292 |
| Core capital (leverage) ratio | 8.2883% | 6,029 |
| Tier 1 risk-based capital ratio | 11.9367% | 5,971 |
| Total risk-based capital ratio | 13.2009% | 5,952 |
| Memoranda: | ||
| Average total assets | $32,073,000 | 6,790 |
| Average earning assets | $27,033,250 | 6,823 |
| Average equity | $2,798,500 | 6,912 |
| Average total loans | $23,851,250 | 6,334 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5958% | 132 |
| Cost of funding earning assets | 1.5572% | 185 |
| Net interest margin | 5.0386% | 376 |
| Noninterest income to average assets | 0.7083% | 2,624 |
| Noninterest expense to average assets | 4.3181% | 641 |
| Loan and lease loss provision to assets | 0.4349% | 1,494 |
| Net operating income to assets | 0.1367% | 6,075 |
| Return on assets (ROA) | 0.1367% | 6,241 |
| Pretax return on assets | 0.1367% | 6,248 |
| Return on Equity (ROE) | 1.5517% | 6,180 |
| Retained earnings to average equity (ytd only) | 1.5517% | 5,429 |
| Net charge-offs to loans | 0.7139% | 1,551 |
| Credit loss provision to net charge-offs | 81.3953% | 3,279 |
| Earnings coverage of net charge-offs (x) | 1.0698% | 4,485 |
| Efficiency ratio | 88.3100% | 1,208 |
| Assets per employee ($millions) | 2.4981% | 6,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9749% | 2,299 |
| Loan loss allowance to noncurrent loans | 34.9731% | 5,921 |
| Noncurrent assets plus other real estate owned to assets | 5.1948% | 896 |
| Noncurrent loans to loans | 5.6469% | 815 |
| Net loans and leases to total assets | 69.5427% | 1,999 |
| Net loans and leases to deposits | 76.7250% | 2,882 |
| Net loans and leases to core deposits | 85.5422% | 2,489 |
| Total domestic deposits to total assets | 90.6390% | 595 |
| Equity capital to assets | 8.7483% | 5,971 |
| Core capital (leverage) ratio | 8.6733% | 5,414 |
| Tier 1 risk-based capital ratio | 12.8497% | 5,301 |
| Total risk-based capital ratio | 14.1120% | 5,264 |
| Memoranda: | ||
| Average total assets | $32,190,330 | 6,839 |
| Average earning assets | $26,714,000 | 6,882 |
| Average equity | $2,835,670 | 6,946 |
| Average total loans | $24,094,000 | 6,361 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9554% | 92 |
| Cost of funding earning assets | 1.6885% | 129 |
| Net interest margin | 5.2669% | 270 |
| Noninterest income to average assets | 0.7863% | 2,229 |
| Noninterest expense to average assets | 4.1063% | 823 |
| Loan and lease loss provision to assets | 0.6241% | 896 |
| Net operating income to assets | 0.2996% | 5,659 |
| Return on assets (ROA) | 0.2996% | 5,825 |
| Pretax return on assets | 0.2996% | 5,979 |
| Return on Equity (ROE) | 3.3886% | 5,552 |
| Retained earnings to average equity (ytd only) | 3.3886% | 4,535 |
| Net charge-offs to loans | 0.5849% | 1,632 |
| Credit loss provision to net charge-offs | 138.8889% | 1,770 |
| Earnings coverage of net charge-offs (x) | 2.0556% | 3,326 |
| Efficiency ratio | 81.6377% | 1,982 |
| Assets per employee ($millions) | 2.4909% | 6,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9915% | 2,385 |
| Loan loss allowance to noncurrent loans | 37.5678% | 5,761 |
| Noncurrent assets plus other real estate owned to assets | 5.4351% | 910 |
| Noncurrent loans to loans | 5.3012% | 1,029 |
| Net loans and leases to total assets | 73.7076% | 1,111 |
| Net loans and leases to deposits | 81.4747% | 1,999 |
| Net loans and leases to core deposits | 92.5978% | 1,583 |
| Total domestic deposits to total assets | 90.4669% | 820 |
| Equity capital to assets | 8.7796% | 5,774 |
| Core capital (leverage) ratio | 8.6416% | 5,392 |
| Tier 1 risk-based capital ratio | 11.9262% | 6,006 |
| Total risk-based capital ratio | 13.1875% | 5,999 |
| Memoranda: | ||
| Average total assets | $32,048,000 | 6,896 |
| Average earning assets | $25,821,500 | 6,961 |
| Average equity | $2,833,000 | 6,995 |
| Average total loans | $24,621,500 | 6,393 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8517% | 114 |
| Cost of funding earning assets | 1.8241% | 197 |
| Net interest margin | 5.0276% | 394 |
| Noninterest income to average assets | 0.6569% | 2,847 |
| Noninterest expense to average assets | 4.5360% | 571 |
| Loan and lease loss provision to assets | 0.8603% | 1,126 |
| Net operating income to assets | -0.5662% | 6,532 |
| Return on assets (ROA) | -0.5662% | 6,574 |
| Pretax return on assets | -0.5662% | 6,533 |
| Return on Equity (ROE) | -6.1269% | 6,587 |
| Retained earnings to average equity (ytd only) | -6.1269% | 6,515 |
| Net charge-offs to loans | 1.7367% | 867 |
| Credit loss provision to net charge-offs | 60.5727% | 5,155 |
| Earnings coverage of net charge-offs (x) | 0.2070% | 5,676 |
| Efficiency ratio | 93.9119% | 926 |
| Assets per employee ($millions) | 2.4395% | 6,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8923% | 2,590 |
| Loan loss allowance to noncurrent loans | 47.0529% | 5,181 |
| Noncurrent assets plus other real estate owned to assets | 4.5721% | 1,195 |
| Noncurrent loans to loans | 4.0217% | 1,553 |
| Net loans and leases to total assets | 76.9975% | 823 |
| Net loans and leases to deposits | 85.4558% | 1,735 |
| Net loans and leases to core deposits | 96.4377% | 1,459 |
| Total domestic deposits to total assets | 90.1022% | 938 |
| Equity capital to assets | 8.9014% | 5,674 |
| Core capital (leverage) ratio | 8.8106% | 5,081 |
| Tier 1 risk-based capital ratio | 11.9449% | 5,868 |
| Total risk-based capital ratio | 13.2063% | 5,836 |
| Memoranda: | ||
| Average total assets | $31,966,600 | 6,922 |
| Average earning assets | $26,533,400 | 6,973 |
| Average equity | $2,954,200 | 7,019 |
| Average total loans | $26,141,800 | 6,347 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8470% | 125 |
| Cost of funding earning assets | 1.8375% | 226 |
| Net interest margin | 5.0095% | 405 |
| Noninterest income to average assets | 0.7576% | 2,278 |
| Noninterest expense to average assets | 4.4291% | 612 |
| Loan and lease loss provision to assets | 0.7285% | 1,317 |
| Net operating income to assets | -0.2123% | 6,396 |
| Return on assets (ROA) | -0.2123% | 6,477 |
| Pretax return on assets | -0.2123% | 6,421 |
| Return on Equity (ROE) | -2.2765% | 6,505 |
| Retained earnings to average equity (ytd only) | -2.2765% | 6,332 |
| Net charge-offs to loans | 1.7740% | 760 |
| Credit loss provision to net charge-offs | 49.7159% | 5,043 |
| Earnings coverage of net charge-offs (x) | 0.3523% | 5,345 |
| Efficiency ratio | 89.5623% | 1,196 |
| Assets per employee ($millions) | 2.4712% | 6,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9093% | 2,588 |
| Loan loss allowance to noncurrent loans | 49.6849% | 5,030 |
| Noncurrent assets plus other real estate owned to assets | 4.2333% | 1,441 |
| Noncurrent loans to loans | 3.8429% | 1,745 |
| Net loans and leases to total assets | 75.6397% | 1,030 |
| Net loans and leases to deposits | 84.1267% | 1,979 |
| Net loans and leases to core deposits | 96.0626% | 1,604 |
| Total domestic deposits to total assets | 89.9116% | 911 |
| Equity capital to assets | 9.1982% | 5,517 |
| Core capital (leverage) ratio | 9.1656% | 4,681 |
| Tier 1 risk-based capital ratio | 12.7366% | 5,300 |
| Total risk-based capital ratio | 13.9955% | 5,275 |
| Memoranda: | ||
| Average total assets | $32,029,750 | 6,985 |
| Average earning assets | $26,775,250 | 7,035 |
| Average equity | $2,987,000 | 7,075 |
| Average total loans | $26,454,750 | 6,387 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8501% | 129 |
| Cost of funding earning assets | 1.8355% | 275 |
| Net interest margin | 5.0146% | 386 |
| Noninterest income to average assets | 0.7876% | 2,083 |
| Noninterest expense to average assets | 4.4566% | 623 |
| Loan and lease loss provision to assets | 0.6876% | 1,388 |
| Net operating income to assets | -0.0563% | 6,305 |
| Return on assets (ROA) | -0.0563% | 6,360 |
| Pretax return on assets | -0.0875% | 6,351 |
| Return on Equity (ROE) | -0.6005% | 6,368 |
| Retained earnings to average equity (ytd only) | -0.6005% | 5,983 |
| Net charge-offs to loans | 1.7027% | 843 |
| Credit loss provision to net charge-offs | 47.8261% | 4,638 |
| Earnings coverage of net charge-offs (x) | 0.4174% | 4,990 |
| Efficiency ratio | 88.1335% | 1,403 |
| Assets per employee ($millions) | 2.4797% | 6,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0267% | 2,296 |
| Loan loss allowance to noncurrent loans | 48.6685% | 5,096 |
| Noncurrent assets plus other real estate owned to assets | 3.8683% | 1,673 |
| Noncurrent loans to loans | 4.1643% | 1,637 |
| Net loans and leases to total assets | 79.4795% | 590 |
| Net loans and leases to deposits | 88.4062% | 1,442 |
| Net loans and leases to core deposits | 100.8741% | 1,265 |
| Total domestic deposits to total assets | 89.9026% | 1,020 |
| Equity capital to assets | 9.2878% | 5,159 |
| Core capital (leverage) ratio | 9.2483% | 4,328 |
| Tier 1 risk-based capital ratio | 12.2640% | 5,556 |
| Total risk-based capital ratio | 13.5254% | 5,525 |
| Memoranda: | ||
| Average total assets | $31,997,670 | 7,043 |
| Average earning assets | $27,240,330 | 7,078 |
| Average equity | $2,997,670 | 7,131 |
| Average total loans | $27,015,330 | 6,411 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7421% | 153 |
| Cost of funding earning assets | 1.8664% | 291 |
| Net interest margin | 4.8758% | 491 |
| Noninterest income to average assets | 0.6023% | 3,146 |
| Noninterest expense to average assets | 4.4042% | 648 |
| Loan and lease loss provision to assets | 0.5019% | 1,736 |
| Net operating income to assets | -0.0753% | 6,435 |
| Return on assets (ROA) | -0.0753% | 6,454 |
| Pretax return on assets | -0.0753% | 6,431 |
| Return on Equity (ROE) | -0.8001% | 6,463 |
| Retained earnings to average equity (ytd only) | -0.8001% | 5,943 |
| Net charge-offs to loans | 0.3060% | 2,819 |
| Credit loss provision to net charge-offs | 190.4762% | 1,551 |
| Earnings coverage of net charge-offs (x) | 1.6190% | 3,501 |
| Efficiency ratio | 91.1688% | 1,229 |
| Assets per employee ($millions) | 2.4408% | 7,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4426% | 1,547 |
| Loan loss allowance to noncurrent loans | 65.7171% | 4,126 |
| Noncurrent assets plus other real estate owned to assets | 3.4099% | 1,998 |
| Noncurrent loans to loans | 3.7168% | 1,983 |
| Net loans and leases to total assets | 84.2079% | 217 |
| Net loans and leases to deposits | 93.8928% | 841 |
| Net loans and leases to core deposits | 105.1637% | 985 |
| Total domestic deposits to total assets | 89.6852% | 1,366 |
| Equity capital to assets | 9.4450% | 4,508 |
| Core capital (leverage) ratio | 9.4035% | 3,959 |
| Tier 1 risk-based capital ratio | 11.8560% | 5,812 |
| Total risk-based capital ratio | 13.1221% | 5,803 |
| Memoranda: | ||
| Average total assets | $31,878,500 | 7,099 |
| Average earning assets | $27,647,000 | 7,113 |
| Average equity | $2,999,500 | 7,168 |
| Average total loans | $27,447,500 | 6,437 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9813% | 151 |
| Cost of funding earning assets | 2.2814% | 227 |
| Net interest margin | 4.6999% | 818 |
| Noninterest income to average assets | 0.5677% | 3,694 |
| Noninterest expense to average assets | 4.1294% | 983 |
| Loan and lease loss provision to assets | 1.3124% | 1,166 |
| Net operating income to assets | -0.4883% | 6,382 |
| Return on assets (ROA) | -0.4883% | 6,410 |
| Pretax return on assets | -0.7935% | 6,520 |
| Return on Equity (ROE) | -5.2301% | 6,453 |
| Retained earnings to average equity (ytd only) | -5.2301% | 6,325 |
| Net charge-offs to loans | 0.8563% | 2,494 |
| Credit loss provision to net charge-offs | 184.5494% | 1,784 |
| Earnings coverage of net charge-offs (x) | 0.7296% | 5,391 |
| Efficiency ratio | 88.8378% | 1,410 |
| Assets per employee ($millions) | 2.4635% | 7,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3631% | 1,603 |
| Loan loss allowance to noncurrent loans | 45.0450% | 5,319 |
| Noncurrent assets plus other real estate owned to assets | 4.5807% | 1,460 |
| Noncurrent loans to loans | 5.2461% | 1,271 |
| Net loans and leases to total assets | 83.8569% | 311 |
| Net loans and leases to deposits | 93.5847% | 1,097 |
| Net loans and leases to core deposits | 107.5057% | 1,090 |
| Total domestic deposits to total assets | 89.6053% | 1,323 |
| Equity capital to assets | 9.3736% | 4,579 |
| Core capital (leverage) ratio | 9.1988% | 4,168 |
| Tier 1 risk-based capital ratio | 11.6859% | 5,738 |
| Total risk-based capital ratio | 12.9509% | 5,729 |
| Memoranda: | ||
| Average total assets | $32,765,200 | 7,121 |
| Average earning assets | $28,447,600 | 7,151 |
| Average equity | $3,059,200 | 7,263 |
| Average total loans | $27,211,200 | 6,545 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9210% | 164 |
| Cost of funding earning assets | 2.3287% | 247 |
| Net interest margin | 4.5922% | 1,063 |
| Noninterest income to average assets | 0.5341% | 3,915 |
| Noninterest expense to average assets | 3.9250% | 1,168 |
| Loan and lease loss provision to assets | 1.6388% | 786 |
| Net operating income to assets | -0.6555% | 6,699 |
| Return on assets (ROA) | -0.6555% | 6,746 |
| Pretax return on assets | -1.0399% | 6,879 |
| Return on Equity (ROE) | -7.0275% | 6,785 |
| Retained earnings to average equity (ytd only) | -7.0275% | 6,713 |
| Net charge-offs to loans | 0.7566% | 2,532 |
| Credit loss provision to net charge-offs | 262.9870% | 1,256 |
| Earnings coverage of net charge-offs (x) | 0.9610% | 5,102 |
| Efficiency ratio | 86.7621% | 1,553 |
| Assets per employee ($millions) | 2.5553% | 7,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5372% | 1,283 |
| Loan loss allowance to noncurrent loans | 59.4093% | 4,357 |
| Noncurrent assets plus other real estate owned to assets | 3.7087% | 1,916 |
| Noncurrent loans to loans | 4.2707% | 1,703 |
| Net loans and leases to total assets | 81.4082% | 573 |
| Net loans and leases to deposits | 90.4690% | 1,656 |
| Net loans and leases to core deposits | 106.2218% | 1,307 |
| Total domestic deposits to total assets | 89.9846% | 889 |
| Equity capital to assets | 9.0340% | 5,531 |
| Core capital (leverage) ratio | 9.0317% | 4,641 |
| Tier 1 risk-based capital ratio | 11.5353% | 5,896 |
| Total risk-based capital ratio | 12.8041% | 5,865 |
| Memoranda: | ||
| Average total assets | $32,950,000 | 7,206 |
| Average earning assets | $28,627,250 | 7,221 |
| Average equity | $3,073,500 | 7,346 |
| Average total loans | $27,137,500 | 6,635 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7928% | 205 |
| Cost of funding earning assets | 2.3694% | 265 |
| Net interest margin | 4.4234% | 1,386 |
| Noninterest income to average assets | 0.6695% | 2,899 |
| Noninterest expense to average assets | 3.8892% | 1,203 |
| Loan and lease loss provision to assets | 2.1241% | 573 |
| Net operating income to assets | -0.9860% | 6,937 |
| Return on assets (ROA) | -0.9860% | 6,960 |
| Pretax return on assets | -1.5033% | 7,079 |
| Return on Equity (ROE) | -10.4595% | 6,983 |
| Retained earnings to average equity (ytd only) | -10.4595% | 6,935 |
| Net charge-offs to loans | 0.7351% | 2,392 |
| Credit loss provision to net charge-offs | 352.5253% | 1,038 |
| Earnings coverage of net charge-offs (x) | 1.0303% | 4,759 |
| Efficiency ratio | 86.2348% | 1,683 |
| Assets per employee ($millions) | 2.7599% | 6,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5234% | 1,274 |
| Loan loss allowance to noncurrent loans | 52.4236% | 4,806 |
| Noncurrent assets plus other real estate owned to assets | 4.3329% | 1,537 |
| Noncurrent loans to loans | 4.8135% | 1,472 |
| Net loans and leases to total assets | 81.9952% | 532 |
| Net loans and leases to deposits | 91.0420% | 1,686 |
| Net loans and leases to core deposits | 105.7477% | 1,474 |
| Total domestic deposits to total assets | 90.0631% | 895 |
| Equity capital to assets | 9.0733% | 5,334 |
| Core capital (leverage) ratio | 9.1106% | 4,446 |
| Tier 1 risk-based capital ratio | 11.3821% | 5,880 |
| Total risk-based capital ratio | 12.6493% | 5,846 |
| Memoranda: | ||
| Average total assets | $32,860,330 | 7,262 |
| Average earning assets | $28,530,330 | 7,277 |
| Average equity | $3,097,670 | 7,389 |
| Average total loans | $26,934,330 | 6,697 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5959% | 312 |
| Cost of funding earning assets | 2.4190% | 284 |
| Net interest margin | 4.1769% | 2,135 |
| Noninterest income to average assets | 0.6477% | 2,947 |
| Noninterest expense to average assets | 4.1673% | 840 |
| Loan and lease loss provision to assets | 0.8555% | 1,488 |
| Net operating income to assets | -0.5011% | 6,829 |
| Return on assets (ROA) | -0.5011% | 6,853 |
| Pretax return on assets | -0.7455% | 6,923 |
| Return on Equity (ROE) | -5.2163% | 6,892 |
| Retained earnings to average equity (ytd only) | -5.2163% | 6,598 |
| Net charge-offs to loans | 0.5893% | 2,330 |
| Credit loss provision to net charge-offs | 179.4872% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.2308% | 4,835 |
| Efficiency ratio | 97.4286% | 946 |
| Assets per employee ($millions) | 2.7218% | 6,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8138% | 2,694 |
| Loan loss allowance to noncurrent loans | 48.0636% | 5,140 |
| Noncurrent assets plus other real estate owned to assets | 3.1596% | 2,269 |
| Noncurrent loans to loans | 3.7738% | 2,101 |
| Net loans and leases to total assets | 80.2155% | 812 |
| Net loans and leases to deposits | 89.5543% | 1,979 |
| Net loans and leases to core deposits | 99.2499% | 2,203 |
| Total domestic deposits to total assets | 89.5720% | 1,192 |
| Equity capital to assets | 9.5646% | 4,434 |
| Core capital (leverage) ratio | 9.5278% | 3,726 |
| Tier 1 risk-based capital ratio | 12.2170% | 4,977 |
| Total risk-based capital ratio | 13.4769% | 4,941 |
| Memoranda: | ||
| Average total assets | $32,731,000 | 7,355 |
| Average earning assets | $28,442,000 | 7,374 |
| Average equity | $3,144,000 | 7,451 |
| Average total loans | $26,472,000 | 6,810 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6683% | 108 |
| Cost of funding earning assets | 3.1518% | 148 |
| Net interest margin | 4.5165% | 1,145 |
| Noninterest income to average assets | 0.7624% | 2,604 |
| Noninterest expense to average assets | 4.3861% | 887 |
| Loan and lease loss provision to assets | 1.2574% | 1,836 |
| Net operating income to assets | -0.6403% | 6,305 |
| Return on assets (ROA) | -0.6403% | 6,305 |
| Pretax return on assets | -1.0363% | 6,432 |
| Return on Equity (ROE) | -6.0316% | 6,304 |
| Retained earnings to average equity (ytd only) | -6.0316% | 6,148 |
| Net charge-offs to loans | 1.1488% | 2,128 |
| Credit loss provision to net charge-offs | 134.1549% | 3,712 |
| Earnings coverage of net charge-offs (x) | 0.2359% | 5,893 |
| Efficiency ratio | 95.2006% | 1,342 |
| Assets per employee ($millions) | 3.2800% | 5,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7251% | 2,811 |
| Loan loss allowance to noncurrent loans | 50.8989% | 4,968 |
| Noncurrent assets plus other real estate owned to assets | 2.7896% | 2,505 |
| Noncurrent loans to loans | 3.3892% | 2,256 |
| Net loans and leases to total assets | 78.6799% | 1,251 |
| Net loans and leases to deposits | 87.9824% | 2,557 |
| Net loans and leases to core deposits | 169.3706% | 240 |
| Total domestic deposits to total assets | 89.4268% | 1,253 |
| Equity capital to assets | 9.6463% | 4,220 |
| Core capital (leverage) ratio | 9.8051% | 3,319 |
| Tier 1 risk-based capital ratio | 12.3570% | 4,635 |
| Total risk-based capital ratio | 13.6147% | 4,590 |
| Memoranda: | ||
| Average total assets | $30,300,600 | 7,459 |
| Average earning assets | $25,794,400 | 7,515 |
| Average equity | $3,216,400 | 7,527 |
| Average total loans | $24,721,800 | 6,930 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8832% | 91 |
| Cost of funding earning assets | 3.3209% | 123 |
| Net interest margin | 4.5623% | 1,052 |
| Noninterest income to average assets | 0.8447% | 2,225 |
| Noninterest expense to average assets | 4.4884% | 755 |
| Loan and lease loss provision to assets | 1.5995% | 1,181 |
| Net operating income to assets | -0.9031% | 6,763 |
| Return on assets (ROA) | -0.9031% | 6,773 |
| Pretax return on assets | -1.3793% | 6,902 |
| Return on Equity (ROE) | -8.2982% | 6,757 |
| Retained earnings to average equity (ytd only) | -8.2982% | 6,635 |
| Net charge-offs to loans | 1.3806% | 1,491 |
| Credit loss provision to net charge-offs | 141.2698% | 3,476 |
| Earnings coverage of net charge-offs (x) | 0.1944% | 5,828 |
| Efficiency ratio | 95.3244% | 1,314 |
| Assets per employee ($millions) | 3.2127% | 5,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7160% | 2,570 |
| Loan loss allowance to noncurrent loans | 85.8209% | 3,181 |
| Noncurrent assets plus other real estate owned to assets | 1.6684% | 3,868 |
| Noncurrent loans to loans | 1.9996% | 3,644 |
| Net loans and leases to total assets | 82.0058% | 813 |
| Net loans and leases to deposits | 91.9549% | 2,241 |
| Net loans and leases to core deposits | 174.1539% | 231 |
| Total domestic deposits to total assets | 89.1804% | 1,111 |
| Equity capital to assets | 9.8297% | 4,314 |
| Core capital (leverage) ratio | 9.7016% | 3,642 |
| Tier 1 risk-based capital ratio | 12.0663% | 4,913 |
| Total risk-based capital ratio | 13.3241% | 4,842 |
| Memoranda: | ||
| Average total assets | $29,675,750 | 7,549 |
| Average earning assets | $25,133,000 | 7,604 |
| Average equity | $3,229,500 | 7,590 |
| Average total loans | $24,337,250 | 7,013 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9579% | 95 |
| Cost of funding earning assets | 3.4188% | 140 |
| Net interest margin | 4.5392% | 1,081 |
| Noninterest income to average assets | 0.8386% | 2,228 |
| Noninterest expense to average assets | 4.7611% | 609 |
| Loan and lease loss provision to assets | 2.1207% | 751 |
| Net operating income to assets | -1.4900% | 7,239 |
| Return on assets (ROA) | -1.4900% | 7,239 |
| Pretax return on assets | -2.2246% | 7,354 |
| Return on Equity (ROE) | -13.2172% | 7,237 |
| Retained earnings to average equity (ytd only) | -13.2172% | 7,129 |
| Net charge-offs to loans | 1.8457% | 1,023 |
| Credit loss provision to net charge-offs | 141.0138% | 3,309 |
| Earnings coverage of net charge-offs (x) | -0.0691% | 5,771 |
| Efficiency ratio | 102.2321% | 1,084 |
| Assets per employee ($millions) | 3.0860% | 5,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7369% | 2,222 |
| Loan loss allowance to noncurrent loans | 171.1538% | 1,746 |
| Noncurrent assets plus other real estate owned to assets | 0.8425% | 5,304 |
| Noncurrent loans to loans | 1.0148% | 5,178 |
| Net loans and leases to total assets | 81.5813% | 1,032 |
| Net loans and leases to deposits | 91.7259% | 2,518 |
| Net loans and leases to core deposits | 191.0312% | 155 |
| Total domestic deposits to total assets | 88.9404% | 1,293 |
| Equity capital to assets | 10.1653% | 3,755 |
| Core capital (leverage) ratio | 10.2993% | 2,996 |
| Tier 1 risk-based capital ratio | 12.2488% | 4,722 |
| Total risk-based capital ratio | 13.5035% | 4,637 |
| Memoranda: | ||
| Average total assets | $28,858,670 | 7,648 |
| Average earning assets | $24,277,670 | 7,713 |
| Average equity | $3,253,330 | 7,648 |
| Average total loans | $23,514,330 | 7,112 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7251% | 126 |
| Cost of funding earning assets | 3.5177% | 146 |
| Net interest margin | 4.2074% | 1,869 |
| Noninterest income to average assets | 0.7466% | 2,623 |
| Noninterest expense to average assets | 4.4368% | 758 |
| Loan and lease loss provision to assets | 0.8615% | 1,523 |
| Net operating income to assets | -1.0482% | 7,281 |
| Return on assets (ROA) | -1.0482% | 7,294 |
| Pretax return on assets | -1.0482% | 7,171 |
| Return on Equity (ROE) | -8.8178% | 7,290 |
| Retained earnings to average equity (ytd only) | -8.8178% | 7,001 |
| Net charge-offs to loans | 0.1959% | 3,462 |
| Credit loss provision to net charge-offs | 545.4545% | 1,019 |
| Earnings coverage of net charge-offs (x) | -1.1818% | 5,397 |
| Efficiency ratio | 104.3919% | 971 |
| Assets per employee ($millions) | 2.9652% | 6,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7367% | 2,016 |
| Loan loss allowance to noncurrent loans | 82.8221% | 3,574 |
| Noncurrent assets plus other real estate owned to assets | 1.6491% | 3,439 |
| Noncurrent loans to loans | 2.0969% | 3,120 |
| Net loans and leases to total assets | 77.2798% | 1,972 |
| Net loans and leases to deposits | 87.7566% | 3,328 |
| Net loans and leases to core deposits | 177.3332% | 266 |
| Total domestic deposits to total assets | 88.0615% | 1,724 |
| Equity capital to assets | 11.0549% | 2,919 |
| Core capital (leverage) ratio | 11.8422% | 1,978 |
| Tier 1 risk-based capital ratio | 13.6257% | 3,788 |
| Total risk-based capital ratio | 14.8819% | 3,703 |
| Memoranda: | ||
| Average total assets | $27,858,000 | 7,734 |
| Average earning assets | $23,197,000 | 7,799 |
| Average equity | $3,311,500 | 7,681 |
| Average total loans | $22,461,000 | 7,221 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.7934% | 81 |
| Cost of funding earning assets | 3.7070% | 261 |
| Net interest margin | 5.0864% | 419 |
| Noninterest income to average assets | 1.1901% | 1,069 |
| Noninterest expense to average assets | 5.5907% | 484 |
| Loan and lease loss provision to assets | 1.7084% | 756 |
| Net operating income to assets | -1.0680% | 7,278 |
| Return on assets (ROA) | -1.0558% | 7,204 |
| Pretax return on assets | -1.8428% | 7,387 |
| Return on Equity (ROE) | -6.4463% | 6,993 |
| Retained earnings to average equity (ytd only) | -6.4463% | 6,714 |
| Net charge-offs to loans | 0.8478% | 1,483 |
| Credit loss provision to net charge-offs | 263.7037% | 1,756 |
| Earnings coverage of net charge-offs (x) | -0.2370% | 6,388 |
| Efficiency ratio | 102.8244% | 894 |
| Assets per employee ($millions) | 2.6064% | 6,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6480% | 2,075 |
| Loan loss allowance to noncurrent loans | 86.4078% | 3,901 |
| Noncurrent assets plus other real estate owned to assets | 1.8570% | 2,659 |
| Noncurrent loans to loans | 1.9072% | 2,889 |
| Net loans and leases to total assets | 81.5147% | 1,316 |
| Net loans and leases to deposits | 95.1200% | 2,594 |
| Net loans and leases to core deposits | 189.8320% | 220 |
| Total domestic deposits to total assets | 85.6967% | 2,537 |
| Equity capital to assets | 12.8338% | 1,857 |
| Core capital (leverage) ratio | 13.2292% | 1,468 |
| Tier 1 risk-based capital ratio | 15.0727% | 3,006 |
| Total risk-based capital ratio | 16.3280% | 2,931 |
| Memoranda: | ||
| Average total assets | $20,838,200 | 7,991 |
| Average earning assets | $17,399,400 | 8,025 |
| Average equity | $3,412,800 | 7,716 |
| Average total loans | $15,924,400 | 7,595 |