Home > Sidney Federal Savings and Loan Association > Performance and Condition Ratios
Sidney Federal Savings and Loan Association, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5413% | 3,028 |
| Cost of funding earning assets | 1.2059% | 2,783 |
| Net interest margin | 3.3353% | 2,544 |
| Noninterest income to average assets | 1.8200% | 299 |
| Noninterest expense to average assets | 4.7977% | 241 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.1621% | 4,203 |
| Return on assets (ROA) | 0.1621% | 4,226 |
| Pretax return on assets | 0.1621% | 4,229 |
| Return on Equity (ROE) | 3.3100% | 3,974 |
| Retained earnings to average equity (ytd only) | 3.3130% | 3,190 |
| Net charge-offs to loans | 0.0458% | 1,427 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 6.2500% | 2,482 |
| Efficiency ratio | 96.7320% | 239 |
| Assets per employee ($millions) | 3.6580% | 4,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4198% | 1,316 |
| Loan loss allowance to noncurrent loans | 67.4286% | 3,493 |
| Noncurrent assets plus other real estate owned to assets | 1.1960% | 364 |
| Noncurrent loans to loans | 2.1056% | 261 |
| Net loans and leases to total assets | 55.9900% | 3,195 |
| Net loans and leases to deposits | 60.3047% | 3,504 |
| Net loans and leases to core deposits | 64.2588% | 3,577 |
| Total domestic deposits to total assets | 92.8500% | 188 |
| Equity capital to assets | 5.3650% | 4,361 |
| Core capital (leverage) ratio | 5.3810% | 4,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7308% | 2,849 |
| Memoranda: | ||
| Average total assets | $15,424,200 | 4,539 |
| Average earning assets | $14,511,400 | 4,505 |
| Average equity | $754,600 | 4,527 |
| Average total loans | $8,737,200 | 4,426 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4669% | 2,974 |
| Cost of funding earning assets | 1.1009% | 2,737 |
| Net interest margin | 3.3660% | 2,532 |
| Noninterest income to average assets | 2.3600% | 242 |
| Noninterest expense to average assets | 4.4807% | 282 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.0583% | 2,191 |
| Return on assets (ROA) | 1.0583% | 2,181 |
| Pretax return on assets | 1.0583% | 2,690 |
| Return on Equity (ROE) | 22.1300% | 550 |
| Retained earnings to average equity (ytd only) | 22.1324% | 189 |
| Net charge-offs to loans | 0.0603% | 1,065 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 31.0000% | 1,577 |
| Efficiency ratio | 80.8937% | 812 |
| Assets per employee ($millions) | 3.7348% | 4,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3707% | 1,579 |
| Loan loss allowance to noncurrent loans | 56.1905% | 3,586 |
| Noncurrent assets plus other real estate owned to assets | 1.4057% | 277 |
| Noncurrent loans to loans | 2.4393% | 203 |
| Net loans and leases to total assets | 56.8400% | 3,132 |
| Net loans and leases to deposits | 61.6810% | 3,421 |
| Net loans and leases to core deposits | 65.6588% | 3,447 |
| Total domestic deposits to total assets | 92.1500% | 424 |
| Equity capital to assets | 5.8772% | 4,034 |
| Core capital (leverage) ratio | 5.8571% | 4,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6578% | 2,696 |
| Memoranda: | ||
| Average total assets | $15,622,250 | 4,562 |
| Average earning assets | $14,775,000 | 4,527 |
| Average equity | $747,000 | 4,553 |
| Average total loans | $8,843,750 | 4,448 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3753% | 2,950 |
| Cost of funding earning assets | 0.9679% | 2,707 |
| Net interest margin | 3.4074% | 2,496 |
| Noninterest income to average assets | 0.1300% | 4,181 |
| Noninterest expense to average assets | 4.4921% | 276 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | -1.1230% | 4,601 |
| Return on assets (ROA) | -1.1230% | 4,599 |
| Pretax return on assets | -1.1230% | 4,592 |
| Return on Equity (ROE) | -25.3100% | 4,618 |
| Retained earnings to average equity (ytd only) | -25.3081% | 4,594 |
| Net charge-offs to loans | 0.0897% | 728 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | -22.2500% | 4,645 |
| Efficiency ratio | 133.3333% | 51 |
| Assets per employee ($millions) | 3.1232% | 4,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3576% | 1,680 |
| Loan loss allowance to noncurrent loans | 95.9350% | 3,302 |
| Noncurrent assets plus other real estate owned to assets | 0.7877% | 646 |
| Noncurrent loans to loans | 1.4151% | 490 |
| Net loans and leases to total assets | 54.9100% | 3,201 |
| Net loans and leases to deposits | 58.4937% | 3,514 |
| Net loans and leases to core deposits | 62.0136% | 3,539 |
| Total domestic deposits to total assets | 93.8700% | 160 |
| Equity capital to assets | 4.2200% | 4,483 |
| Core capital (leverage) ratio | 4.3415% | 4,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 9.1772% | 2,932 |
| Memoranda: | ||
| Average total assets | $15,850,000 | 4,590 |
| Average earning assets | $15,084,667 | 4,554 |
| Average equity | $703,333 | 4,583 |
| Average total loans | $8,922,000 | 4,480 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2172% | 3,004 |
| Cost of funding earning assets | 0.7380% | 2,934 |
| Net interest margin | 3.4792% | 2,422 |
| Noninterest income to average assets | 0.1000% | 4,366 |
| Noninterest expense to average assets | 4.5093% | 271 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -1.1023% | 4,627 |
| Return on assets (ROA) | -1.1023% | 4,621 |
| Pretax return on assets | -1.1023% | 4,614 |
| Return on Equity (ROE) | -24.2600% | 4,639 |
| Retained earnings to average equity (ytd only) | -24.2591% | 4,620 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 132.3529% | 54 |
| Assets per employee ($millions) | 3.2222% | 4,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3820% | 1,689 |
| Loan loss allowance to noncurrent loans | 86.0140% | 3,439 |
| Noncurrent assets plus other real estate owned to assets | 0.8876% | 506 |
| Noncurrent loans to loans | 1.6067% | 403 |
| Net loans and leases to total assets | 54.4800% | 3,159 |
| Net loans and leases to deposits | 58.1528% | 3,445 |
| Net loans and leases to core deposits | 61.5325% | 3,472 |
| Total domestic deposits to total assets | 93.6800% | 204 |
| Equity capital to assets | 4.3945% | 4,510 |
| Core capital (leverage) ratio | 4.6066% | 4,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 9.4293% | 3,016 |
| Memoranda: | ||
| Average total assets | $15,967,000 | 4,651 |
| Average earning assets | $15,176,000 | 4,621 |
| Average equity | $725,500 | 4,654 |
| Average total loans | $9,037,000 | 4,545 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3809% | 3,393 |
| Cost of funding earning assets | 0.3008% | 2,868 |
| Net interest margin | 3.0801% | 3,224 |
| Noninterest income to average assets | 0.9800% | 668 |
| Noninterest expense to average assets | 4.1080% | 308 |
| Loan and lease loss provision to assets | -0.0500% | 4,417 |
| Net operating income to assets | -0.1434% | 4,600 |
| Return on assets (ROA) | -0.1434% | 4,588 |
| Pretax return on assets | -0.1434% | 4,579 |
| Return on Equity (ROE) | -3.2400% | 4,603 |
| Retained earnings to average equity (ytd only) | -3.2358% | 4,524 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 104.9853% | 118 |
| Assets per employee ($millions) | 3.1646% | 4,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3407% | 1,718 |
| Loan loss allowance to noncurrent loans | 51.2500% | 3,692 |
| Noncurrent assets plus other real estate owned to assets | 1.5168% | 209 |
| Noncurrent loans to loans | 2.6161% | 174 |
| Net loans and leases to total assets | 57.2000% | 2,897 |
| Net loans and leases to deposits | 61.3627% | 3,248 |
| Net loans and leases to core deposits | 62.7539% | 3,345 |
| Total domestic deposits to total assets | 93.2200% | 359 |
| Equity capital to assets | 4.6957% | 4,437 |
| Core capital (leverage) ratio | 4.8254% | 4,708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 9.8741% | 3,044 |
| Memoranda: | ||
| Average total assets | $17,429,200 | 4,681 |
| Average earning assets | $16,623,000 | 4,646 |
| Average equity | $772,600 | 4,706 |
| Average total loans | $9,892,600 | 4,561 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2668% | 3,263 |
| Cost of funding earning assets | 0.2820% | 2,361 |
| Net interest margin | 2.9848% | 3,256 |
| Noninterest income to average assets | 1.1900% | 509 |
| Noninterest expense to average assets | 4.0528% | 319 |
| Loan and lease loss provision to assets | -0.0700% | 4,539 |
| Net operating income to assets | 0.0523% | 4,567 |
| Return on assets (ROA) | 0.0523% | 4,537 |
| Pretax return on assets | 0.0523% | 4,538 |
| Return on Equity (ROE) | 1.2000% | 4,479 |
| Retained earnings to average equity (ytd only) | 1.1966% | 4,186 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 100.3704% | 152 |
| Assets per employee ($millions) | 4.0900% | 4,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3067% | 1,999 |
| Loan loss allowance to noncurrent loans | 946.1538% | 1,017 |
| Noncurrent assets plus other real estate owned to assets | 0.0795% | 3,110 |
| Noncurrent loans to loans | 0.1381% | 2,941 |
| Net loans and leases to total assets | 56.7800% | 2,827 |
| Net loans and leases to deposits | 61.1627% | 3,096 |
| Net loans and leases to core deposits | 62.4916% | 3,216 |
| Total domestic deposits to total assets | 92.8400% | 621 |
| Equity capital to assets | 4.7311% | 4,346 |
| Core capital (leverage) ratio | 4.7159% | 4,747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6156% | 2,917 |
| Memoranda: | ||
| Average total assets | $17,830,750 | 4,715 |
| Average earning assets | $17,019,250 | 4,682 |
| Average equity | $780,000 | 4,743 |
| Average total loans | $10,072,250 | 4,592 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0601% | 3,403 |
| Cost of funding earning assets | 0.2969% | 1,740 |
| Net interest margin | 2.7632% | 3,544 |
| Noninterest income to average assets | 1.6702% | 286 |
| Noninterest expense to average assets | 3.9736% | 286 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3384% | 4,220 |
| Return on assets (ROA) | 0.3384% | 4,177 |
| Pretax return on assets | 0.3384% | 4,241 |
| Return on Equity (ROE) | 7.9284% | 3,034 |
| Retained earnings to average equity (ytd only) | 7.9284% | 1,646 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1519% | 337 |
| Assets per employee ($millions) | 4.2393% | 4,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3509% | 1,950 |
| Loan loss allowance to noncurrent loans | 528.0000% | 1,497 |
| Noncurrent assets plus other real estate owned to assets | 0.1474% | 2,691 |
| Noncurrent loans to loans | 0.2559% | 2,453 |
| Net loans and leases to total assets | 56.8438% | 2,662 |
| Net loans and leases to deposits | 60.9446% | 2,978 |
| Net loans and leases to core deposits | 62.2192% | 3,096 |
| Total domestic deposits to total assets | 93.2712% | 445 |
| Equity capital to assets | 4.8063% | 4,512 |
| Core capital (leverage) ratio | 4.4383% | 4,770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5399% | 3,066 |
| Memoranda: | ||
| Average total assets | $18,321,000 | 4,746 |
| Average earning assets | $17,516,000 | 4,729 |
| Average equity | $782,000 | 4,767 |
| Average total loans | $10,292,000 | 4,654 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9497% | 3,401 |
| Cost of funding earning assets | 0.3082% | 1,572 |
| Net interest margin | 2.6415% | 3,555 |
| Noninterest income to average assets | 0.1684% | 4,157 |
| Noninterest expense to average assets | 4.3783% | 219 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -1.6839% | 4,757 |
| Return on assets (ROA) | -1.6839% | 4,755 |
| Pretax return on assets | -1.6839% | 4,752 |
| Return on Equity (ROE) | -41.8027% | 4,790 |
| Retained earnings to average equity (ytd only) | -41.8027% | 4,772 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 162.5000% | 33 |
| Assets per employee ($millions) | 3.1895% | 4,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2678% | 2,510 |
| Loan loss allowance to noncurrent loans | 258.8235% | 2,280 |
| Noncurrent assets plus other real estate owned to assets | 0.2665% | 2,077 |
| Noncurrent loans to loans | 0.4898% | 1,803 |
| Net loans and leases to total assets | 53.7179% | 2,798 |
| Net loans and leases to deposits | 63.9144% | 2,533 |
| Net loans and leases to core deposits | 66.2884% | 2,610 |
| Total domestic deposits to total assets | 84.0466% | 3,755 |
| Equity capital to assets | 3.7676% | 4,782 |
| Core capital (leverage) ratio | 3.7753% | 4,795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 8.1205% | 3,095 |
| Memoranda: | ||
| Average total assets | $19,003,000 | 4,767 |
| Average earning assets | $18,171,500 | 4,752 |
| Average equity | $765,500 | 4,792 |
| Average total loans | $10,552,500 | 4,670 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2417% | 3,370 |
| Cost of funding earning assets | 0.4561% | 1,154 |
| Net interest margin | 2.7856% | 3,701 |
| Noninterest income to average assets | 0.2963% | 3,628 |
| Noninterest expense to average assets | 5.5249% | 148 |
| Loan and lease loss provision to assets | -0.1559% | 4,637 |
| Net operating income to assets | -2.4064% | 4,818 |
| Return on assets (ROA) | -2.4064% | 4,818 |
| Pretax return on assets | -2.4064% | 4,814 |
| Return on Equity (ROE) | -43.3927% | 4,834 |
| Retained earnings to average equity (ytd only) | -43.3927% | 4,830 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 186.4912% | 21 |
| Assets per employee ($millions) | 3.1448% | 4,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2345% | 2,713 |
| Loan loss allowance to noncurrent loans | 97.0588% | 3,432 |
| Noncurrent assets plus other real estate owned to assets | 0.7208% | 871 |
| Noncurrent loans to loans | 1.2719% | 756 |
| Net loans and leases to total assets | 55.9701% | 2,616 |
| Net loans and leases to deposits | 67.1948% | 2,388 |
| Net loans and leases to core deposits | 69.7464% | 2,474 |
| Total domestic deposits to total assets | 83.2954% | 3,747 |
| Equity capital to assets | 4.2928% | 4,837 |
| Core capital (leverage) ratio | 4.1752% | 4,838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 8.4414% | 3,089 |
| Memoranda: | ||
| Average total assets | $19,240,200 | 4,810 |
| Average earning assets | $18,416,000 | 4,793 |
| Average equity | $1,067,000 | 4,833 |
| Average total loans | $11,332,000 | 4,707 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3494% | 3,250 |
| Cost of funding earning assets | 0.4754% | 1,180 |
| Net interest margin | 2.8740% | 3,609 |
| Noninterest income to average assets | 0.2483% | 3,908 |
| Noninterest expense to average assets | 5.1862% | 165 |
| Loan and lease loss provision to assets | -0.2069% | 4,759 |
| Net operating income to assets | -1.9793% | 4,887 |
| Return on assets (ROA) | -1.9793% | 4,886 |
| Pretax return on assets | -1.9793% | 4,884 |
| Return on Equity (ROE) | -33.8260% | 4,904 |
| Retained earnings to average equity (ytd only) | -33.8260% | 4,896 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 172.8736% | 27 |
| Assets per employee ($millions) | 3.1370% | 4,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2058% | 2,966 |
| Loan loss allowance to noncurrent loans | 141.9355% | 2,986 |
| Noncurrent assets plus other real estate owned to assets | 0.4941% | 1,545 |
| Noncurrent loans to loans | 0.8495% | 1,345 |
| Net loans and leases to total assets | 57.4594% | 2,566 |
| Net loans and leases to deposits | 69.9050% | 2,255 |
| Net loans and leases to core deposits | 72.5985% | 2,366 |
| Total domestic deposits to total assets | 82.1964% | 3,887 |
| Equity capital to assets | 5.2651% | 4,906 |
| Core capital (leverage) ratio | 5.0676% | 4,909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.2282% | 3,115 |
| Memoranda: | ||
| Average total assets | $19,333,000 | 4,882 |
| Average earning assets | $18,510,250 | 4,865 |
| Average equity | $1,131,250 | 4,907 |
| Average total loans | $11,491,750 | 4,775 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4702% | 2,977 |
| Cost of funding earning assets | 0.4927% | 1,242 |
| Net interest margin | 2.9775% | 3,378 |
| Noninterest income to average assets | 0.2153% | 4,118 |
| Noninterest expense to average assets | 5.5375% | 144 |
| Loan and lease loss provision to assets | -0.3076% | 4,842 |
| Net operating income to assets | -2.1637% | 4,923 |
| Return on assets (ROA) | -2.1637% | 4,923 |
| Pretax return on assets | -2.1637% | 4,923 |
| Return on Equity (ROE) | -35.8234% | 4,940 |
| Retained earnings to average equity (ytd only) | -35.8234% | 4,929 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 180.6020% | 27 |
| Assets per employee ($millions) | 3.2040% | 4,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2228% | 2,808 |
| Loan loss allowance to noncurrent loans | 140.4255% | 2,952 |
| Noncurrent assets plus other real estate owned to assets | 0.4890% | 1,714 |
| Noncurrent loans to loans | 0.8708% | 1,408 |
| Net loans and leases to total assets | 55.4671% | 2,964 |
| Net loans and leases to deposits | 67.5215% | 2,667 |
| Net loans and leases to core deposits | 70.0683% | 2,773 |
| Total domestic deposits to total assets | 82.1473% | 3,898 |
| Equity capital to assets | 5.5712% | 4,936 |
| Core capital (leverage) ratio | 5.4356% | 4,943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9363% | 3,082 |
| Memoranda: | ||
| Average total assets | $19,503,333 | 4,917 |
| Average earning assets | $18,673,333 | 4,898 |
| Average equity | $1,178,000 | 4,943 |
| Average total loans | $11,673,333 | 4,807 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6184% | 2,585 |
| Cost of funding earning assets | 0.5534% | 1,080 |
| Net interest margin | 3.0650% | 3,095 |
| Noninterest income to average assets | 0.1629% | 4,382 |
| Noninterest expense to average assets | 5.3149% | 155 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -2.2196% | 4,955 |
| Return on assets (ROA) | -2.2196% | 4,955 |
| Pretax return on assets | -2.2196% | 4,954 |
| Return on Equity (ROE) | -35.4040% | 4,969 |
| Retained earnings to average equity (ytd only) | -35.4040% | 4,956 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 171.7105% | 21 |
| Assets per employee ($millions) | 3.2727% | 4,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3446% | 2,225 |
| Loan loss allowance to noncurrent loans | 558.6207% | 1,080 |
| Noncurrent assets plus other real estate owned to assets | 0.1477% | 3,434 |
| Noncurrent loans to loans | 0.2407% | 3,237 |
| Net loans and leases to total assets | 60.5317% | 2,476 |
| Net loans and leases to deposits | 73.9087% | 2,129 |
| Net loans and leases to core deposits | 77.9257% | 2,195 |
| Total domestic deposits to total assets | 81.9006% | 3,911 |
| Equity capital to assets | 5.9941% | 4,940 |
| Core capital (leverage) ratio | 5.8818% | 4,965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3140% | 3,038 |
| Memoranda: | ||
| Average total assets | $19,643,000 | 4,943 |
| Average earning assets | $18,793,000 | 4,922 |
| Average equity | $1,231,500 | 4,968 |
| Average total loans | $12,112,500 | 4,826 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9359% | 2,917 |
| Cost of funding earning assets | 0.7548% | 1,425 |
| Net interest margin | 3.1811% | 3,403 |
| Noninterest income to average assets | 1.8606% | 369 |
| Noninterest expense to average assets | 4.9029% | 200 |
| Loan and lease loss provision to assets | 0.0518% | 3,728 |
| Net operating income to assets | -0.0363% | 4,752 |
| Return on assets (ROA) | -0.0363% | 4,787 |
| Pretax return on assets | -0.0363% | 4,778 |
| Return on Equity (ROE) | -0.5115% | 4,797 |
| Retained earnings to average equity (ytd only) | -0.5115% | 4,592 |
| Net charge-offs to loans | -0.0148% | 4,349 |
| Credit loss provision to net charge-offs | -500.0000% | 3,921 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.6839% | 179 |
| Assets per employee ($millions) | 3.2750% | 4,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3304% | 2,273 |
| Loan loss allowance to noncurrent loans | 228.1690% | 2,127 |
| Noncurrent assets plus other real estate owned to assets | 0.3613% | 2,538 |
| Noncurrent loans to loans | 0.5831% | 2,243 |
| Net loans and leases to total assets | 61.1450% | 2,711 |
| Net loans and leases to deposits | 75.1548% | 2,371 |
| Net loans and leases to core deposits | 77.9689% | 2,553 |
| Total domestic deposits to total assets | 81.3588% | 3,794 |
| Equity capital to assets | 6.5445% | 4,955 |
| Core capital (leverage) ratio | 6.5031% | 4,969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9569% | 2,933 |
| Memoranda: | ||
| Average total assets | $19,294,800 | 4,960 |
| Average earning assets | $18,547,200 | 4,940 |
| Average equity | $1,368,600 | 4,988 |
| Average total loans | $13,546,600 | 4,835 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0595% | 2,791 |
| Cost of funding earning assets | 0.7571% | 1,693 |
| Net interest margin | 3.3024% | 3,179 |
| Noninterest income to average assets | 2.3048% | 272 |
| Noninterest expense to average assets | 4.9775% | 190 |
| Loan and lease loss provision to assets | 0.0677% | 3,484 |
| Net operating income to assets | 0.4374% | 4,192 |
| Return on assets (ROA) | 0.4374% | 4,258 |
| Pretax return on assets | 0.4374% | 4,391 |
| Return on Equity (ROE) | 6.0463% | 3,538 |
| Retained earnings to average equity (ytd only) | 6.0463% | 2,088 |
| Net charge-offs to loans | -0.0192% | 4,405 |
| Credit loss provision to net charge-offs | -500.0000% | 3,789 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7595% | 345 |
| Assets per employee ($millions) | 3.2273% | 4,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2098% | 2,610 |
| Loan loss allowance to noncurrent loans | 270.0000% | 1,758 |
| Noncurrent assets plus other real estate owned to assets | 0.3099% | 2,915 |
| Noncurrent loans to loans | 0.4481% | 2,708 |
| Net loans and leases to total assets | 68.3175% | 2,192 |
| Net loans and leases to deposits | 88.6246% | 1,415 |
| Net loans and leases to core deposits | 92.1689% | 1,780 |
| Total domestic deposits to total assets | 77.0863% | 4,313 |
| Equity capital to assets | 7.0440% | 4,944 |
| Core capital (leverage) ratio | 6.8474% | 4,981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5723% | 2,768 |
| Memoranda: | ||
| Average total assets | $19,206,000 | 4,990 |
| Average earning assets | $18,491,000 | 4,968 |
| Average equity | $1,389,250 | 5,020 |
| Average total loans | $13,889,000 | 4,858 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1249% | 2,983 |
| Cost of funding earning assets | 0.7470% | 2,144 |
| Net interest margin | 3.3779% | 3,164 |
| Noninterest income to average assets | 3.1848% | 152 |
| Noninterest expense to average assets | 5.0226% | 190 |
| Loan and lease loss provision to assets | 0.1044% | 2,968 |
| Net operating income to assets | 1.3157% | 1,321 |
| Return on assets (ROA) | 1.3157% | 1,424 |
| Pretax return on assets | 1.3157% | 1,979 |
| Return on Equity (ROE) | 18.0301% | 364 |
| Retained earnings to average equity (ytd only) | 18.0301% | 121 |
| Net charge-offs to loans | -0.0285% | 4,520 |
| Credit loss provision to net charge-offs | -500.0000% | 3,608 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9579% | 1,060 |
| Assets per employee ($millions) | 3.2575% | 4,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1690% | 2,677 |
| Loan loss allowance to noncurrent loans | 218.9189% | 2,001 |
| Noncurrent assets plus other real estate owned to assets | 0.3786% | 2,780 |
| Noncurrent loans to loans | 0.5340% | 2,568 |
| Net loans and leases to total assets | 70.0742% | 2,016 |
| Net loans and leases to deposits | 91.1123% | 1,248 |
| Net loans and leases to core deposits | 94.7099% | 1,693 |
| Total domestic deposits to total assets | 76.9097% | 4,321 |
| Equity capital to assets | 7.3369% | 4,917 |
| Core capital (leverage) ratio | 7.1531% | 4,991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3010% | 2,481 |
| Memoranda: | ||
| Average total assets | $19,153,333 | 5,019 |
| Average earning assets | $18,473,000 | 4,998 |
| Average equity | $1,397,667 | 5,054 |
| Average total loans | $14,055,000 | 4,884 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2856% | 2,969 |
| Cost of funding earning assets | 0.7215% | 2,829 |
| Net interest margin | 3.5640% | 2,784 |
| Noninterest income to average assets | 6.0768% | 83 |
| Noninterest expense to average assets | 5.2961% | 190 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 4.2200% | 35 |
| Return on assets (ROA) | 4.2200% | 36 |
| Pretax return on assets | 4.2200% | 44 |
| Return on Equity (ROE) | 57.9920% | 9 |
| Retained earnings to average equity (ytd only) | 57.9920% | 4 |
| Net charge-offs to loans | -0.0565% | 4,673 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6541% | 4,243 |
| Assets per employee ($millions) | 3.2578% | 4,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0681% | 3,357 |
| Loan loss allowance to noncurrent loans | 150.4950% | 2,538 |
| Noncurrent assets plus other real estate owned to assets | 0.5167% | 2,443 |
| Noncurrent loans to loans | 0.7097% | 2,229 |
| Net loans and leases to total assets | 72.0264% | 1,914 |
| Net loans and leases to deposits | 93.9038% | 1,089 |
| Net loans and leases to core deposits | 97.6014% | 1,675 |
| Total domestic deposits to total assets | 76.7023% | 4,392 |
| Equity capital to assets | 7.5306% | 5,032 |
| Core capital (leverage) ratio | 7.7174% | 5,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2718% | 2,166 |
| Memoranda: | ||
| Average total assets | $18,957,500 | 5,068 |
| Average earning assets | $18,294,000 | 5,046 |
| Average equity | $1,379,500 | 5,103 |
| Average total loans | $14,153,500 | 4,922 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0018% | 4,252 |
| Cost of funding earning assets | 0.5734% | 3,751 |
| Net interest margin | 3.4284% | 3,657 |
| Noninterest income to average assets | 0.2136% | 4,387 |
| Noninterest expense to average assets | 5.1983% | 186 |
| Loan and lease loss provision to assets | 0.1780% | 1,174 |
| Net operating income to assets | -1.8277% | 5,127 |
| Return on assets (ROA) | -1.7980% | 5,128 |
| Pretax return on assets | -1.7980% | 5,125 |
| Return on Equity (ROE) | -20.9110% | 5,151 |
| Retained earnings to average equity (ytd only) | -20.9110% | 5,141 |
| Net charge-offs to loans | 0.0170% | 3,105 |
| Credit loss provision to net charge-offs | 1,500.0000% | 236 |
| Earnings coverage of net charge-offs (x) | -139.0000% | 3,716 |
| Efficiency ratio | 146.4883% | 47 |
| Assets per employee ($millions) | 3.0613% | 4,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0656% | 3,137 |
| Loan loss allowance to noncurrent loans | 120.0000% | 2,970 |
| Noncurrent assets plus other real estate owned to assets | 0.6805% | 1,893 |
| Noncurrent loans to loans | 0.8880% | 1,732 |
| Net loans and leases to total assets | 75.8166% | 1,447 |
| Net loans and leases to deposits | 97.8087% | 774 |
| Net loans and leases to core deposits | 100.0215% | 1,559 |
| Total domestic deposits to total assets | 77.5152% | 4,431 |
| Equity capital to assets | 7.0068% | 5,142 |
| Core capital (leverage) ratio | 8.5945% | 4,787 |
| Tier 1 risk-based capital ratio | 11.7860% | 4,479 |
| Total risk-based capital ratio | 13.0326% | 4,357 |
| Memoranda: | ||
| Average total assets | $16,851,600 | 5,142 |
| Average earning assets | $16,392,600 | 5,127 |
| Average equity | $1,449,000 | 5,160 |
| Average total loans | $11,769,800 | 5,032 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0322% | 4,295 |
| Cost of funding earning assets | 0.5570% | 3,889 |
| Net interest margin | 3.4752% | 3,643 |
| Noninterest income to average assets | 0.2509% | 4,237 |
| Noninterest expense to average assets | 5.2935% | 176 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | -1.6593% | 5,203 |
| Return on assets (ROA) | -1.6350% | 5,202 |
| Pretax return on assets | -1.6350% | 5,197 |
| Return on Equity (ROE) | -18.0819% | 5,226 |
| Retained earnings to average equity (ytd only) | -18.0819% | 5,204 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 145.6570% | 45 |
| Assets per employee ($millions) | 2.6035% | 5,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0550% | 3,255 |
| Loan loss allowance to noncurrent loans | 193.6508% | 2,147 |
| Noncurrent assets plus other real estate owned to assets | 0.4033% | 2,894 |
| Noncurrent loans to loans | 0.5448% | 2,661 |
| Net loans and leases to total assets | 73.2476% | 1,955 |
| Net loans and leases to deposits | 81.2931% | 2,765 |
| Net loans and leases to core deposits | 83.1420% | 3,168 |
| Total domestic deposits to total assets | 90.1031% | 263 |
| Equity capital to assets | 8.9431% | 4,810 |
| Core capital (leverage) ratio | 9.1664% | 4,506 |
| Tier 1 risk-based capital ratio | 16.4463% | 2,289 |
| Total risk-based capital ratio | 17.6966% | 2,222 |
| Memoranda: | ||
| Average total assets | $16,472,500 | 5,222 |
| Average earning assets | $16,037,250 | 5,208 |
| Average equity | $1,489,500 | 5,237 |
| Average total loans | $11,193,250 | 5,119 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8881% | 4,572 |
| Cost of funding earning assets | 0.5519% | 3,870 |
| Net interest margin | 3.3362% | 4,060 |
| Noninterest income to average assets | 0.2626% | 4,181 |
| Noninterest expense to average assets | 5.1443% | 203 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -1.6352% | 5,253 |
| Return on assets (ROA) | -1.5994% | 5,252 |
| Pretax return on assets | -1.5994% | 5,247 |
| Return on Equity (ROE) | -17.6278% | 5,275 |
| Retained earnings to average equity (ytd only) | -17.6278% | 5,243 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 146.5986% | 43 |
| Assets per employee ($millions) | 2.6723% | 5,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0935% | 3,108 |
| Loan loss allowance to noncurrent loans | 580.9524% | 893 |
| Noncurrent assets plus other real estate owned to assets | 0.1310% | 4,100 |
| Noncurrent loans to loans | 0.1882% | 3,879 |
| Net loans and leases to total assets | 68.8225% | 2,700 |
| Net loans and leases to deposits | 76.4567% | 3,291 |
| Net loans and leases to core deposits | 78.1405% | 3,566 |
| Total domestic deposits to total assets | 90.0150% | 328 |
| Equity capital to assets | 9.1493% | 4,697 |
| Core capital (leverage) ratio | 9.1880% | 4,472 |
| Tier 1 risk-based capital ratio | 17.6060% | 1,907 |
| Total risk-based capital ratio | 18.8557% | 1,863 |
| Memoranda: | ||
| Average total assets | $16,756,330 | 5,268 |
| Average earning assets | $16,306,000 | 5,251 |
| Average equity | $1,520,330 | 5,285 |
| Average total loans | $11,069,670 | 5,166 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7453% | 4,787 |
| Cost of funding earning assets | 0.5282% | 3,926 |
| Net interest margin | 3.2171% | 4,355 |
| Noninterest income to average assets | 0.3973% | 3,200 |
| Noninterest expense to average assets | 5.0241% | 203 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -1.4955% | 5,308 |
| Return on assets (ROA) | -1.4254% | 5,300 |
| Pretax return on assets | -1.4254% | 5,295 |
| Return on Equity (ROE) | -15.7725% | 5,323 |
| Retained earnings to average equity (ytd only) | -15.7725% | 5,213 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 142.3841% | 44 |
| Assets per employee ($millions) | 2.8735% | 5,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0941% | 3,169 |
| Loan loss allowance to noncurrent loans | 580.9524% | 922 |
| Noncurrent assets plus other real estate owned to assets | 0.1218% | 4,193 |
| Noncurrent loans to loans | 0.1883% | 3,909 |
| Net loans and leases to total assets | 63.9696% | 3,288 |
| Net loans and leases to deposits | 70.8258% | 3,703 |
| Net loans and leases to core deposits | 72.2597% | 3,928 |
| Total domestic deposits to total assets | 90.3196% | 347 |
| Equity capital to assets | 8.8394% | 4,794 |
| Core capital (leverage) ratio | 8.9065% | 4,715 |
| Tier 1 risk-based capital ratio | 17.9762% | 1,796 |
| Total risk-based capital ratio | 19.2262% | 1,762 |
| Memoranda: | ||
| Average total assets | $17,117,500 | 5,324 |
| Average earning assets | $16,661,000 | 5,303 |
| Average equity | $1,547,000 | 5,341 |
| Average total loans | $11,026,000 | 5,226 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7782% | 4,537 |
| Cost of funding earning assets | 0.4554% | 3,646 |
| Net interest margin | 3.3228% | 4,199 |
| Noninterest income to average assets | 0.4451% | 3,132 |
| Noninterest expense to average assets | 5.3766% | 160 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | -1.7269% | 5,369 |
| Return on assets (ROA) | -1.7269% | 5,367 |
| Pretax return on assets | -1.7269% | 5,361 |
| Return on Equity (ROE) | -23.8799% | 5,384 |
| Retained earnings to average equity (ytd only) | -23.8799% | 5,381 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 147.3171% | 28 |
| Assets per employee ($millions) | 2.8323% | 5,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1192% | 2,985 |
| Loan loss allowance to noncurrent loans | 184.8485% | 2,370 |
| Noncurrent assets plus other real estate owned to assets | 0.3884% | 3,009 |
| Noncurrent loans to loans | 0.6054% | 2,464 |
| Net loans and leases to total assets | 63.4283% | 3,412 |
| Net loans and leases to deposits | 70.4004% | 3,802 |
| Net loans and leases to core deposits | 71.8456% | 3,998 |
| Total domestic deposits to total assets | 90.0965% | 442 |
| Equity capital to assets | 9.2386% | 4,379 |
| Core capital (leverage) ratio | 9.2455% | 4,403 |
| Tier 1 risk-based capital ratio | 16.0947% | 2,374 |
| Total risk-based capital ratio | 17.3445% | 2,317 |
| Memoranda: | ||
| Average total assets | $16,850,800 | 5,367 |
| Average earning assets | $16,251,200 | 5,350 |
| Average equity | $1,218,600 | 5,393 |
| Average total loans | $11,652,800 | 5,256 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7233% | 4,612 |
| Cost of funding earning assets | 0.4448% | 3,562 |
| Net interest margin | 3.2785% | 4,341 |
| Noninterest income to average assets | 0.4520% | 3,155 |
| Noninterest expense to average assets | 5.3919% | 165 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | -1.7841% | 5,442 |
| Return on assets (ROA) | -1.7841% | 5,439 |
| Pretax return on assets | -1.7841% | 5,437 |
| Return on Equity (ROE) | -26.5302% | 5,459 |
| Retained earnings to average equity (ytd only) | -26.5302% | 5,449 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 149.4505% | 25 |
| Assets per employee ($millions) | 2.8457% | 5,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1123% | 3,123 |
| Loan loss allowance to noncurrent loans | 321.0526% | 1,576 |
| Noncurrent assets plus other real estate owned to assets | 0.2226% | 3,834 |
| Noncurrent loans to loans | 0.3465% | 3,412 |
| Net loans and leases to total assets | 63.5235% | 3,482 |
| Net loans and leases to deposits | 70.8518% | 3,854 |
| Net loans and leases to core deposits | 72.2970% | 4,062 |
| Total domestic deposits to total assets | 89.6568% | 618 |
| Equity capital to assets | 9.7224% | 3,899 |
| Core capital (leverage) ratio | 9.8160% | 3,835 |
| Tier 1 risk-based capital ratio | 21.8044% | 1,075 |
| Total risk-based capital ratio | 23.0578% | 1,056 |
| Memoranda: | ||
| Average total assets | $16,815,000 | 5,437 |
| Average earning assets | $16,185,750 | 5,420 |
| Average equity | $1,130,750 | 5,469 |
| Average total loans | $11,840,750 | 5,316 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7441% | 4,479 |
| Cost of funding earning assets | 0.4493% | 3,364 |
| Net interest margin | 3.2948% | 4,262 |
| Noninterest income to average assets | 0.3826% | 3,602 |
| Noninterest expense to average assets | 5.5952% | 157 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -2.0563% | 5,509 |
| Return on assets (ROA) | -2.0563% | 5,503 |
| Pretax return on assets | -2.0563% | 5,502 |
| Return on Equity (ROE) | -36.0462% | 5,527 |
| Retained earnings to average equity (ytd only) | -36.0462% | 5,522 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 158.1081% | 28 |
| Assets per employee ($millions) | 2.1424% | 5,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0783% | 3,394 |
| Loan loss allowance to noncurrent loans | 182.0896% | 2,428 |
| Noncurrent assets plus other real estate owned to assets | 0.3909% | 3,176 |
| Noncurrent loans to loans | 0.5922% | 2,644 |
| Net loans and leases to total assets | 65.3014% | 3,241 |
| Net loans and leases to deposits | 69.2403% | 3,922 |
| Net loans and leases to core deposits | 70.5675% | 4,113 |
| Total domestic deposits to total assets | 94.3112% | 11 |
| Equity capital to assets | 5.0820% | 5,526 |
| Core capital (leverage) ratio | 5.3601% | 5,525 |
| Tier 1 risk-based capital ratio | 11.3639% | 4,861 |
| Total risk-based capital ratio | 12.6180% | 4,758 |
| Memoranda: | ||
| Average total assets | $16,728,670 | 5,503 |
| Average earning assets | $16,025,330 | 5,489 |
| Average equity | $954,330 | 5,536 |
| Average total loans | $12,131,670 | 5,371 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8734% | 4,008 |
| Cost of funding earning assets | 0.4024% | 3,560 |
| Net interest margin | 3.4709% | 3,641 |
| Noninterest income to average assets | 0.2659% | 4,401 |
| Noninterest expense to average assets | 6.0432% | 140 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -2.4415% | 5,578 |
| Return on assets (ROA) | -2.4415% | 5,576 |
| Pretax return on assets | -2.4415% | 5,574 |
| Return on Equity (ROE) | -40.5826% | 5,588 |
| Retained earnings to average equity (ytd only) | -40.5826% | 5,575 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 167.7852% | 26 |
| Assets per employee ($millions) | 2.0828% | 5,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9935% | 4,000 |
| Loan loss allowance to noncurrent loans | 530.4348% | 1,039 |
| Noncurrent assets plus other real estate owned to assets | 0.1380% | 4,399 |
| Noncurrent loans to loans | 0.1873% | 4,121 |
| Net loans and leases to total assets | 72.9684% | 2,032 |
| Net loans and leases to deposits | 77.8012% | 3,037 |
| Net loans and leases to core deposits | 79.3344% | 3,380 |
| Total domestic deposits to total assets | 93.7883% | 21 |
| Equity capital to assets | 5.6656% | 5,575 |
| Core capital (leverage) ratio | 5.7234% | 5,579 |
| Tier 1 risk-based capital ratio | 12.6012% | 4,175 |
| Total risk-based capital ratio | 13.8494% | 4,080 |
| Memoranda: | ||
| Average total assets | $16,547,500 | 5,568 |
| Average earning assets | $15,903,500 | 5,552 |
| Average equity | $995,500 | 5,598 |
| Average total loans | $12,565,000 | 5,430 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6417% | 4,472 |
| Cost of funding earning assets | 0.4693% | 2,608 |
| Net interest margin | 3.1724% | 4,511 |
| Noninterest income to average assets | 0.1980% | 4,958 |
| Noninterest expense to average assets | 4.5477% | 306 |
| Loan and lease loss provision to assets | 0.0226% | 3,846 |
| Net operating income to assets | -1.3519% | 5,620 |
| Return on assets (ROA) | -1.3519% | 5,618 |
| Pretax return on assets | -1.3519% | 5,624 |
| Return on Equity (ROE) | -15.3896% | 5,628 |
| Retained earnings to average equity (ytd only) | -15.3896% | 5,597 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 141.3005% | 31 |
| Assets per employee ($millions) | 2.3476% | 5,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9494% | 4,212 |
| Loan loss allowance to noncurrent loans | 143.5294% | 2,888 |
| Noncurrent assets plus other real estate owned to assets | 0.5173% | 2,833 |
| Noncurrent loans to loans | 0.6615% | 2,559 |
| Net loans and leases to total assets | 77.4539% | 1,354 |
| Net loans and leases to deposits | 83.5664% | 2,540 |
| Net loans and leases to core deposits | 85.2455% | 2,965 |
| Total domestic deposits to total assets | 92.6855% | 43 |
| Equity capital to assets | 6.3713% | 5,622 |
| Core capital (leverage) ratio | 6.5482% | 5,620 |
| Tier 1 risk-based capital ratio | 13.9220% | 3,402 |
| Total risk-based capital ratio | 15.1684% | 3,317 |
| Memoranda: | ||
| Average total assets | $17,679,200 | 5,623 |
| Average earning assets | $16,832,800 | 5,604 |
| Average equity | $1,553,000 | 5,643 |
| Average total loans | $12,783,800 | 5,491 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7090% | 4,297 |
| Cost of funding earning assets | 0.4919% | 2,339 |
| Net interest margin | 3.2171% | 4,407 |
| Noninterest income to average assets | 0.1408% | 5,303 |
| Noninterest expense to average assets | 4.2020% | 407 |
| Loan and lease loss provision to assets | 0.0741% | 2,589 |
| Net operating income to assets | -0.6670% | 5,647 |
| Return on assets (ROA) | -0.6670% | 5,646 |
| Pretax return on assets | -1.0820% | 5,666 |
| Return on Equity (ROE) | -7.1450% | 5,648 |
| Retained earnings to average equity (ytd only) | -7.1450% | 5,580 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.5545% | 46 |
| Assets per employee ($millions) | 2.8545% | 5,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9382% | 4,386 |
| Loan loss allowance to noncurrent loans | 141.8605% | 2,903 |
| Noncurrent assets plus other real estate owned to assets | 0.5021% | 3,062 |
| Noncurrent loans to loans | 0.6613% | 2,718 |
| Net loans and leases to total assets | 75.2146% | 1,724 |
| Net loans and leases to deposits | 85.9029% | 2,305 |
| Net loans and leases to core deposits | 87.4779% | 2,826 |
| Total domestic deposits to total assets | 87.5577% | 1,607 |
| Equity capital to assets | 9.5113% | 4,434 |
| Core capital (leverage) ratio | 7.2737% | 5,643 |
| Tier 1 risk-based capital ratio | 15.0212% | 2,907 |
| Total risk-based capital ratio | 16.2818% | 2,835 |
| Memoranda: | ||
| Average total assets | $17,990,750 | 5,685 |
| Average earning assets | $17,075,250 | 5,668 |
| Average equity | $1,679,500 | 5,699 |
| Average total loans | $12,767,250 | 5,552 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6668% | 4,326 |
| Cost of funding earning assets | 0.5419% | 1,827 |
| Net interest margin | 3.1248% | 4,620 |
| Noninterest income to average assets | 0.1313% | 5,395 |
| Noninterest expense to average assets | 4.1688% | 431 |
| Loan and lease loss provision to assets | 0.1094% | 1,864 |
| Net operating income to assets | -0.7331% | 5,703 |
| Return on assets (ROA) | -0.7331% | 5,701 |
| Pretax return on assets | -1.1817% | 5,726 |
| Return on Equity (ROE) | -7.8994% | 5,707 |
| Retained earnings to average equity (ytd only) | -7.8994% | 5,610 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 134.6290% | 42 |
| Assets per employee ($millions) | 3.4842% | 4,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9423% | 4,453 |
| Loan loss allowance to noncurrent loans | 193.6508% | 2,314 |
| Noncurrent assets plus other real estate owned to assets | 0.3616% | 3,675 |
| Noncurrent loans to loans | 0.4866% | 3,291 |
| Net loans and leases to total assets | 73.6180% | 1,941 |
| Net loans and leases to deposits | 81.9332% | 2,711 |
| Net loans and leases to core deposits | 83.3658% | 3,141 |
| Total domestic deposits to total assets | 89.8513% | 583 |
| Equity capital to assets | 9.5115% | 4,390 |
| Core capital (leverage) ratio | 7.1085% | 5,705 |
| Tier 1 risk-based capital ratio | 15.1965% | 2,841 |
| Total risk-based capital ratio | 16.4585% | 2,771 |
| Memoranda: | ||
| Average total assets | $18,278,670 | 5,730 |
| Average earning assets | $17,345,000 | 5,712 |
| Average equity | $1,696,330 | 5,750 |
| Average total loans | $12,688,330 | 5,601 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6483% | 4,284 |
| Cost of funding earning assets | 0.5855% | 1,474 |
| Net interest margin | 3.0628% | 4,760 |
| Noninterest income to average assets | 0.1497% | 5,368 |
| Noninterest expense to average assets | 4.0412% | 517 |
| Loan and lease loss provision to assets | 0.1283% | 1,503 |
| Net operating income to assets | -0.6628% | 5,761 |
| Return on assets (ROA) | -0.6628% | 5,760 |
| Pretax return on assets | -1.1119% | 5,778 |
| Return on Equity (ROE) | -7.2261% | 5,763 |
| Retained earnings to average equity (ytd only) | -7.2261% | 5,499 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.1678% | 46 |
| Assets per employee ($millions) | 3.7900% | 4,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9189% | 4,681 |
| Loan loss allowance to noncurrent loans | 264.4444% | 1,798 |
| Noncurrent assets plus other real estate owned to assets | 0.2375% | 4,275 |
| Noncurrent loans to loans | 0.3475% | 3,852 |
| Net loans and leases to total assets | 67.7098% | 2,723 |
| Net loans and leases to deposits | 79.4784% | 2,812 |
| Net loans and leases to core deposits | 80.8201% | 3,223 |
| Total domestic deposits to total assets | 85.1926% | 3,004 |
| Equity capital to assets | 8.9815% | 4,823 |
| Core capital (leverage) ratio | 7.0750% | 5,762 |
| Tier 1 risk-based capital ratio | 15.4223% | 2,786 |
| Total risk-based capital ratio | 16.6897% | 2,715 |
| Memoranda: | ||
| Average total assets | $18,707,500 | 5,798 |
| Average earning assets | $17,761,500 | 5,776 |
| Average equity | $1,716,000 | 5,813 |
| Average total loans | $12,559,000 | 5,664 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3884% | 5,006 |
| Cost of funding earning assets | 0.5080% | 2,028 |
| Net interest margin | 2.8804% | 5,168 |
| Noninterest income to average assets | 0.1648% | 5,388 |
| Noninterest expense to average assets | 4.1911% | 492 |
| Loan and lease loss provision to assets | 0.1249% | 1,988 |
| Net operating income to assets | -0.8372% | 5,821 |
| Return on assets (ROA) | -0.7093% | 5,817 |
| Pretax return on assets | -1.2039% | 5,842 |
| Return on Equity (ROE) | -7.7842% | 5,818 |
| Retained earnings to average equity (ytd only) | -7.7842% | 5,747 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 143.9108% | 38 |
| Assets per employee ($millions) | 3.6930% | 4,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9287% | 4,658 |
| Loan loss allowance to noncurrent loans | 240.4255% | 1,960 |
| Noncurrent assets plus other real estate owned to assets | 0.2545% | 4,283 |
| Noncurrent loans to loans | 0.3863% | 3,756 |
| Net loans and leases to total assets | 65.2857% | 3,179 |
| Net loans and leases to deposits | 77.1421% | 3,196 |
| Net loans and leases to core deposits | 78.4882% | 3,537 |
| Total domestic deposits to total assets | 84.6304% | 3,198 |
| Equity capital to assets | 9.3691% | 4,406 |
| Core capital (leverage) ratio | 7.4817% | 5,753 |
| Tier 1 risk-based capital ratio | 16.8002% | 2,228 |
| Total risk-based capital ratio | 18.0743% | 2,171 |
| Memoranda: | ||
| Average total assets | $20,018,800 | 5,841 |
| Average earning assets | $19,094,600 | 5,819 |
| Average equity | $1,824,200 | 5,861 |
| Average total loans | $10,567,000 | 5,754 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3383% | 5,146 |
| Cost of funding earning assets | 0.5199% | 1,938 |
| Net interest margin | 2.8184% | 5,325 |
| Noninterest income to average assets | 0.1764% | 5,395 |
| Noninterest expense to average assets | 4.1553% | 507 |
| Loan and lease loss provision to assets | 0.1111% | 2,075 |
| Net operating income to assets | -0.8253% | 5,893 |
| Return on assets (ROA) | -0.6664% | 5,883 |
| Pretax return on assets | -1.1499% | 5,909 |
| Return on Equity (ROE) | -7.3603% | 5,887 |
| Retained earnings to average equity (ytd only) | -7.3603% | 5,800 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 144.8747% | 41 |
| Assets per employee ($millions) | 3.6564% | 4,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9142% | 4,823 |
| Loan loss allowance to noncurrent loans | 218.7500% | 2,087 |
| Noncurrent assets plus other real estate owned to assets | 0.2626% | 4,393 |
| Noncurrent loans to loans | 0.4179% | 3,781 |
| Net loans and leases to total assets | 62.2470% | 3,618 |
| Net loans and leases to deposits | 74.0548% | 3,594 |
| Net loans and leases to core deposits | 75.3642% | 3,896 |
| Total domestic deposits to total assets | 84.0554% | 3,202 |
| Equity capital to assets | 9.7856% | 4,375 |
| Core capital (leverage) ratio | 7.4337% | 5,835 |
| Tier 1 risk-based capital ratio | 18.4559% | 1,798 |
| Total risk-based capital ratio | 19.7245% | 1,757 |
| Memoranda: | ||
| Average total assets | $20,407,250 | 5,898 |
| Average earning assets | $19,490,500 | 5,873 |
| Average equity | $1,847,750 | 5,923 |
| Average total loans | $10,166,750 | 5,828 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2125% | 5,410 |
| Cost of funding earning assets | 0.5156% | 1,975 |
| Net interest margin | 2.6969% | 5,573 |
| Noninterest income to average assets | 0.1894% | 5,362 |
| Noninterest expense to average assets | 4.2812% | 453 |
| Loan and lease loss provision to assets | 0.0947% | 2,260 |
| Net operating income to assets | -0.9574% | 5,976 |
| Return on assets (ROA) | -0.8240% | 5,968 |
| Pretax return on assets | -1.4018% | 5,990 |
| Return on Equity (ROE) | -9.3181% | 5,976 |
| Retained earnings to average equity (ytd only) | -9.3181% | 5,870 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 154.7945% | 41 |
| Assets per employee ($millions) | 3.9876% | 3,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9163% | 4,900 |
| Loan loss allowance to noncurrent loans | 166.1017% | 2,656 |
| Noncurrent assets plus other real estate owned to assets | 0.2959% | 4,318 |
| Noncurrent loans to loans | 0.5517% | 3,412 |
| Net loans and leases to total assets | 53.1498% | 4,572 |
| Net loans and leases to deposits | 64.0534% | 4,487 |
| Net loans and leases to core deposits | 65.1001% | 4,677 |
| Total domestic deposits to total assets | 82.9772% | 3,666 |
| Equity capital to assets | 9.1333% | 5,128 |
| Core capital (leverage) ratio | 7.2877% | 5,914 |
| Tier 1 risk-based capital ratio | 19.2446% | 1,642 |
| Total risk-based capital ratio | 20.5174% | 1,596 |
| Memoranda: | ||
| Average total assets | $21,115,670 | 5,965 |
| Average earning assets | $20,171,000 | 5,935 |
| Average equity | $1,867,330 | 5,996 |
| Average total loans | $9,727,330 | 5,910 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0863% | 5,619 |
| Cost of funding earning assets | 0.5401% | 1,793 |
| Net interest margin | 2.5462% | 5,770 |
| Noninterest income to average assets | 0.2212% | 5,155 |
| Noninterest expense to average assets | 4.4968% | 397 |
| Loan and lease loss provision to assets | 0.1843% | 1,083 |
| Net operating income to assets | -1.2178% | 6,046 |
| Return on assets (ROA) | -0.9583% | 6,026 |
| Pretax return on assets | -1.6218% | 6,060 |
| Return on Equity (ROE) | -11.0024% | 6,033 |
| Retained earnings to average equity (ytd only) | -11.0024% | 5,835 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 169.4444% | 31 |
| Assets per employee ($millions) | 4.1318% | 3,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9856% | 4,690 |
| Loan loss allowance to noncurrent loans | 163.3333% | 2,593 |
| Noncurrent assets plus other real estate owned to assets | 0.2904% | 4,401 |
| Noncurrent loans to loans | 0.6034% | 3,368 |
| Net loans and leases to total assets | 47.6548% | 4,995 |
| Net loans and leases to deposits | 55.6309% | 5,007 |
| Net loans and leases to core deposits | 56.4798% | 5,114 |
| Total domestic deposits to total assets | 85.6624% | 2,826 |
| Equity capital to assets | 8.9549% | 5,212 |
| Core capital (leverage) ratio | 7.2223% | 5,971 |
| Tier 1 risk-based capital ratio | 20.1167% | 1,475 |
| Total risk-based capital ratio | 21.3809% | 1,452 |
| Memoranda: | ||
| Average total assets | $21,704,500 | 6,019 |
| Average earning assets | $20,736,500 | 5,987 |
| Average equity | $1,890,500 | 6,055 |
| Average total loans | $9,243,500 | 5,977 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8996% | 5,812 |
| Cost of funding earning assets | 0.5184% | 2,007 |
| Net interest margin | 2.3811% | 5,901 |
| Noninterest income to average assets | -0.2016% | 6,159 |
| Noninterest expense to average assets | 4.4963% | 415 |
| Loan and lease loss provision to assets | 0.0745% | 2,779 |
| Net operating income to assets | -1.5250% | 6,126 |
| Return on assets (ROA) | -1.5250% | 6,127 |
| Pretax return on assets | -2.4979% | 6,152 |
| Return on Equity (ROE) | -15.7366% | 6,123 |
| Retained earnings to average equity (ytd only) | -15.7366% | 6,093 |
| Net charge-offs to loans | 0.0823% | 2,657 |
| Credit loss provision to net charge-offs | 283.3333% | 1,031 |
| Earnings coverage of net charge-offs (x) | -92.1667% | 4,454 |
| Efficiency ratio | 216.9133% | 7 |
| Assets per employee ($millions) | 2.5278% | 5,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0300% | 4,440 |
| Loan loss allowance to noncurrent loans | 66.6667% | 4,466 |
| Noncurrent assets plus other real estate owned to assets | 0.5802% | 3,352 |
| Noncurrent loans to loans | 1.5449% | 1,491 |
| Net loans and leases to total assets | 37.1692% | 5,660 |
| Net loans and leases to deposits | 44.7289% | 5,627 |
| Net loans and leases to core deposits | 45.3648% | 5,673 |
| Total domestic deposits to total assets | 83.0989% | 3,811 |
| Equity capital to assets | 8.4879% | 5,572 |
| Core capital (leverage) ratio | 7.2923% | 6,013 |
| Tier 1 risk-based capital ratio | 21.8358% | 1,173 |
| Total risk-based capital ratio | 23.0748% | 1,151 |
| Memoranda: | ||
| Average total assets | $22,819,000 | 6,060 |
| Average earning assets | $21,796,400 | 6,033 |
| Average equity | $2,211,400 | 6,076 |
| Average total loans | $7,290,600 | 6,081 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8790% | 5,910 |
| Cost of funding earning assets | 0.5196% | 2,046 |
| Net interest margin | 2.3595% | 5,998 |
| Noninterest income to average assets | 0.8174% | 1,738 |
| Noninterest expense to average assets | 4.4081% | 433 |
| Loan and lease loss provision to assets | 0.0993% | 2,196 |
| Net operating income to assets | -0.8524% | 6,181 |
| Return on assets (ROA) | -0.8524% | 6,180 |
| Pretax return on assets | -1.4363% | 6,209 |
| Return on Equity (ROE) | -8.5321% | 6,171 |
| Retained earnings to average equity (ytd only) | -8.5321% | 6,103 |
| Net charge-offs to loans | 0.1147% | 1,980 |
| Credit loss provision to net charge-offs | 283.3333% | 1,017 |
| Earnings coverage of net charge-offs (x) | -38.1663% | 4,167 |
| Efficiency ratio | 143.5361% | 47 |
| Assets per employee ($millions) | 2.4859% | 5,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1950% | 3,689 |
| Loan loss allowance to noncurrent loans | 36.0656% | 5,296 |
| Noncurrent assets plus other real estate owned to assets | 1.0906% | 2,177 |
| Noncurrent loans to loans | 3.3134% | 495 |
| Net loans and leases to total assets | 32.5213% | 5,909 |
| Net loans and leases to deposits | 38.1482% | 5,921 |
| Net loans and leases to core deposits | 38.6836% | 5,953 |
| Total domestic deposits to total assets | 85.2501% | 2,910 |
| Equity capital to assets | 9.7037% | 4,512 |
| Core capital (leverage) ratio | 8.5684% | 5,496 |
| Tier 1 risk-based capital ratio | 28.2869% | 599 |
| Total risk-based capital ratio | 29.5448% | 591 |
| Memoranda: | ||
| Average total assets | $22,836,250 | 6,147 |
| Average earning assets | $21,812,250 | 6,116 |
| Average equity | $2,281,500 | 6,154 |
| Average total loans | $6,977,250 | 6,167 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7805% | 6,033 |
| Cost of funding earning assets | 0.5105% | 2,158 |
| Net interest margin | 2.2700% | 6,115 |
| Noninterest income to average assets | 0.8960% | 1,455 |
| Noninterest expense to average assets | 4.3757% | 466 |
| Loan and lease loss provision to assets | 0.0609% | 2,887 |
| Net operating income to assets | -0.8090% | 6,242 |
| Return on assets (ROA) | -0.8090% | 6,246 |
| Pretax return on assets | -1.3745% | 6,279 |
| Return on Equity (ROE) | -8.0230% | 6,236 |
| Retained earnings to average equity (ytd only) | -8.0230% | 6,127 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 142.8977% | 51 |
| Assets per employee ($millions) | 2.5701% | 5,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1978% | 3,806 |
| Loan loss allowance to noncurrent loans | 31.4607% | 5,473 |
| Noncurrent assets plus other real estate owned to assets | 1.1543% | 2,198 |
| Noncurrent loans to loans | 3.8072% | 429 |
| Net loans and leases to total assets | 29.9555% | 6,039 |
| Net loans and leases to deposits | 35.0818% | 6,061 |
| Net loans and leases to core deposits | 35.5552% | 6,073 |
| Total domestic deposits to total assets | 85.3876% | 2,973 |
| Equity capital to assets | 9.7272% | 4,374 |
| Core capital (leverage) ratio | 8.8621% | 5,144 |
| Tier 1 risk-based capital ratio | 29.5386% | 567 |
| Total risk-based capital ratio | 30.7969% | 560 |
| Memoranda: | ||
| Average total assets | $22,990,670 | 6,218 |
| Average earning assets | $21,938,330 | 6,186 |
| Average equity | $2,318,330 | 6,227 |
| Average total loans | $6,848,330 | 6,244 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8562% | 6,025 |
| Cost of funding earning assets | 0.5310% | 2,006 |
| Net interest margin | 2.3253% | 6,147 |
| Noninterest income to average assets | 0.5585% | 2,901 |
| Noninterest expense to average assets | 4.3804% | 468 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.9598% | 6,315 |
| Return on assets (ROA) | -0.9598% | 6,319 |
| Pretax return on assets | -1.6055% | 6,353 |
| Return on Equity (ROE) | -9.3518% | 6,314 |
| Retained earnings to average equity (ytd only) | -9.3518% | 6,120 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 157.8616% | 40 |
| Assets per employee ($millions) | 2.5706% | 6,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0908% | 4,566 |
| Loan loss allowance to noncurrent loans | 48.1250% | 5,073 |
| Noncurrent assets plus other real estate owned to assets | 0.6916% | 3,414 |
| Noncurrent loans to loans | 2.2666% | 1,099 |
| Net loans and leases to total assets | 30.1794% | 6,066 |
| Net loans and leases to deposits | 35.5445% | 6,072 |
| Net loans and leases to core deposits | 36.0268% | 6,101 |
| Total domestic deposits to total assets | 84.9060% | 3,454 |
| Equity capital to assets | 10.0454% | 4,096 |
| Core capital (leverage) ratio | 9.2515% | 4,648 |
| Tier 1 risk-based capital ratio | 31.8666% | 463 |
| Total risk-based capital ratio | 33.0554% | 460 |
| Memoranda: | ||
| Average total assets | $22,920,500 | 6,284 |
| Average earning assets | $21,847,000 | 6,249 |
| Average equity | $2,352,500 | 6,284 |
| Average total loans | $6,766,000 | 6,315 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9430% | 6,101 |
| Cost of funding earning assets | 0.5834% | 1,921 |
| Net interest margin | 2.3596% | 6,244 |
| Noninterest income to average assets | 0.5354% | 3,268 |
| Noninterest expense to average assets | 4.3570% | 522 |
| Loan and lease loss provision to assets | 0.0865% | 2,743 |
| Net operating income to assets | -1.0048% | 6,382 |
| Return on assets (ROA) | -1.0048% | 6,380 |
| Pretax return on assets | -1.6761% | 6,433 |
| Return on Equity (ROE) | -9.8554% | 6,363 |
| Retained earnings to average equity (ytd only) | -9.8554% | 6,312 |
| Net charge-offs to loans | 0.2661% | 1,619 |
| Credit loss provision to net charge-offs | 123.5294% | 1,938 |
| Earnings coverage of net charge-offs (x) | -22.7059% | 4,937 |
| Efficiency ratio | 157.4405% | 43 |
| Assets per employee ($millions) | 2.5229% | 6,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1896% | 4,068 |
| Loan loss allowance to noncurrent loans | 47.2393% | 5,188 |
| Noncurrent assets plus other real estate owned to assets | 0.7179% | 3,416 |
| Noncurrent loans to loans | 2.5182% | 1,008 |
| Net loans and leases to total assets | 28.1688% | 6,231 |
| Net loans and leases to deposits | 33.2623% | 6,232 |
| Net loans and leases to core deposits | 33.7217% | 6,246 |
| Total domestic deposits to total assets | 84.6869% | 3,424 |
| Equity capital to assets | 10.4862% | 3,502 |
| Core capital (leverage) ratio | 9.7831% | 3,854 |
| Tier 1 risk-based capital ratio | 36.6051% | 298 |
| Total risk-based capital ratio | 37.8588% | 290 |
| Memoranda: | ||
| Average total assets | $24,282,600 | 6,346 |
| Average earning assets | $22,969,600 | 6,318 |
| Average equity | $2,475,800 | 6,359 |
| Average total loans | $6,389,600 | 6,412 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9237% | 6,183 |
| Cost of funding earning assets | 0.6008% | 1,824 |
| Net interest margin | 2.3229% | 6,328 |
| Noninterest income to average assets | 0.6808% | 2,419 |
| Noninterest expense to average assets | 4.3765% | 520 |
| Loan and lease loss provision to assets | 0.0919% | 2,516 |
| Net operating income to assets | -0.9563% | 6,459 |
| Return on assets (ROA) | -0.9563% | 6,456 |
| Pretax return on assets | -1.5939% | 6,495 |
| Return on Equity (ROE) | -9.4415% | 6,434 |
| Retained earnings to average equity (ytd only) | -9.4415% | 6,364 |
| Net charge-offs to loans | 0.3560% | 1,134 |
| Credit loss provision to net charge-offs | 100.0000% | 2,200 |
| Earnings coverage of net charge-offs (x) | -16.3502% | 4,647 |
| Efficiency ratio | 152.2556% | 51 |
| Assets per employee ($millions) | 2.5654% | 6,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0894% | 4,797 |
| Loan loss allowance to noncurrent loans | 43.9759% | 5,323 |
| Noncurrent assets plus other real estate owned to assets | 0.7190% | 3,660 |
| Noncurrent loans to loans | 2.4772% | 1,189 |
| Net loans and leases to total assets | 28.7063% | 6,297 |
| Net loans and leases to deposits | 34.8237% | 6,276 |
| Net loans and leases to core deposits | 35.3079% | 6,291 |
| Total domestic deposits to total assets | 82.4332% | 4,326 |
| Equity capital to assets | 10.5375% | 3,509 |
| Core capital (leverage) ratio | 9.9037% | 3,813 |
| Tier 1 risk-based capital ratio | 38.2004% | 271 |
| Total risk-based capital ratio | 39.4213% | 269 |
| Memoranda: | ||
| Average total assets | $24,676,750 | 6,421 |
| Average earning assets | $23,303,250 | 6,389 |
| Average equity | $2,499,500 | 6,426 |
| Average total loans | $6,368,750 | 6,485 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8684% | 6,281 |
| Cost of funding earning assets | 0.5905% | 1,972 |
| Net interest margin | 2.2778% | 6,421 |
| Noninterest income to average assets | 0.4919% | 3,530 |
| Noninterest expense to average assets | 4.2371% | 579 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.9601% | 6,521 |
| Return on assets (ROA) | -0.9601% | 6,519 |
| Pretax return on assets | -1.6028% | 6,566 |
| Return on Equity (ROE) | -9.5968% | 6,511 |
| Retained earnings to average equity (ytd only) | -9.5968% | 6,410 |
| Net charge-offs to loans | 0.0320% | 3,560 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -202.0000% | 4,370 |
| Efficiency ratio | 160.8434% | 47 |
| Assets per employee ($millions) | 2.7622% | 6,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1172% | 4,826 |
| Loan loss allowance to noncurrent loans | 38.7978% | 5,538 |
| Noncurrent assets plus other real estate owned to assets | 0.7361% | 3,756 |
| Noncurrent loans to loans | 2.8796% | 1,036 |
| Net loans and leases to total assets | 25.2776% | 6,429 |
| Net loans and leases to deposits | 32.6577% | 6,373 |
| Net loans and leases to core deposits | 33.1050% | 6,388 |
| Total domestic deposits to total assets | 77.4014% | 5,740 |
| Equity capital to assets | 10.0362% | 4,055 |
| Core capital (leverage) ratio | 9.4346% | 4,422 |
| Tier 1 risk-based capital ratio | 38.1286% | 279 |
| Total risk-based capital ratio | 39.2840% | 276 |
| Memoranda: | ||
| Average total assets | $25,206,000 | 6,479 |
| Average earning assets | $23,707,000 | 6,443 |
| Average equity | $2,521,670 | 6,481 |
| Average total loans | $6,258,000 | 6,553 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8799% | 6,337 |
| Cost of funding earning assets | 0.5929% | 2,037 |
| Net interest margin | 2.2870% | 6,480 |
| Noninterest income to average assets | 0.4571% | 3,731 |
| Noninterest expense to average assets | 4.0979% | 687 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.8984% | 6,559 |
| Return on assets (ROA) | -0.8984% | 6,556 |
| Pretax return on assets | -1.5131% | 6,613 |
| Return on Equity (ROE) | -8.9941% | 6,549 |
| Retained earnings to average equity (ytd only) | -8.9941% | 6,325 |
| Net charge-offs to loans | 0.0644% | 2,509 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -96.0000% | 3,648 |
| Efficiency ratio | 158.5366% | 49 |
| Assets per employee ($millions) | 3.2349% | 5,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1303% | 4,983 |
| Loan loss allowance to noncurrent loans | 200.0000% | 2,091 |
| Noncurrent assets plus other real estate owned to assets | 0.4521% | 4,779 |
| Noncurrent loans to loans | 0.5651% | 4,463 |
| Net loans and leases to total assets | 24.3363% | 6,503 |
| Net loans and leases to deposits | 31.2944% | 6,450 |
| Net loans and leases to core deposits | 31.7024% | 6,464 |
| Total domestic deposits to total assets | 77.7658% | 5,863 |
| Equity capital to assets | 9.7376% | 4,185 |
| Core capital (leverage) ratio | 9.3347% | 4,521 |
| Tier 1 risk-based capital ratio | 34.2495% | 373 |
| Total risk-based capital ratio | 35.2749% | 371 |
| Memoranda: | ||
| Average total assets | $25,379,000 | 6,542 |
| Average earning assets | $23,612,000 | 6,509 |
| Average equity | $2,535,000 | 6,529 |
| Average total loans | $6,209,500 | 6,622 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8698% | 6,449 |
| Cost of funding earning assets | 0.6310% | 2,378 |
| Net interest margin | 2.2387% | 6,557 |
| Noninterest income to average assets | 1.4752% | 644 |
| Noninterest expense to average assets | 3.5563% | 1,542 |
| Loan and lease loss provision to assets | -0.0188% | 6,293 |
| Net operating income to assets | 0.0715% | 6,096 |
| Return on assets (ROA) | 0.0715% | 6,143 |
| Pretax return on assets | 0.0339% | 6,181 |
| Return on Equity (ROE) | 0.7167% | 6,128 |
| Retained earnings to average equity (ytd only) | 0.7167% | 5,510 |
| Net charge-offs to loans | 0.0646% | 4,305 |
| Credit loss provision to net charge-offs | -125.0000% | 5,915 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 4,741 |
| Efficiency ratio | 99.5785% | 489 |
| Assets per employee ($millions) | 3.1099% | 5,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2068% | 4,625 |
| Loan loss allowance to noncurrent loans | 202.7778% | 2,065 |
| Noncurrent assets plus other real estate owned to assets | 0.5426% | 4,604 |
| Noncurrent loans to loans | 0.5951% | 4,497 |
| Net loans and leases to total assets | 24.0203% | 6,606 |
| Net loans and leases to deposits | 31.1072% | 6,560 |
| Net loans and leases to core deposits | 31.5306% | 6,573 |
| Total domestic deposits to total assets | 77.2177% | 5,939 |
| Equity capital to assets | 10.2496% | 3,445 |
| Core capital (leverage) ratio | 9.9310% | 3,665 |
| Tier 1 risk-based capital ratio | 40.2748% | 229 |
| Total risk-based capital ratio | 41.4690% | 227 |
| Memoranda: | ||
| Average total assets | $26,572,800 | 6,593 |
| Average earning assets | $24,880,200 | 6,552 |
| Average equity | $2,651,200 | 6,595 |
| Average total loans | $6,194,000 | 6,709 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8167% | 6,563 |
| Cost of funding earning assets | 0.6318% | 2,529 |
| Net interest margin | 2.1849% | 6,655 |
| Noninterest income to average assets | 1.6792% | 536 |
| Noninterest expense to average assets | 3.5560% | 1,482 |
| Loan and lease loss provision to assets | -0.0247% | 6,500 |
| Net operating income to assets | 0.1729% | 5,980 |
| Return on assets (ROA) | 0.1729% | 6,051 |
| Pretax return on assets | 0.1976% | 6,045 |
| Return on Equity (ROE) | 1.7437% | 6,016 |
| Retained earnings to average equity (ytd only) | 1.7437% | 5,267 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3642% | 659 |
| Assets per employee ($millions) | 3.2410% | 5,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4013% | 3,893 |
| Loan loss allowance to noncurrent loans | 132.7586% | 2,792 |
| Noncurrent assets plus other real estate owned to assets | 0.6055% | 4,623 |
| Noncurrent loans to loans | 1.0555% | 3,692 |
| Net loans and leases to total assets | 20.8963% | 6,735 |
| Net loans and leases to deposits | 28.2969% | 6,693 |
| Net loans and leases to core deposits | 28.6818% | 6,697 |
| Total domestic deposits to total assets | 73.8468% | 6,381 |
| Equity capital to assets | 9.9352% | 3,998 |
| Core capital (leverage) ratio | 9.5970% | 4,247 |
| Tier 1 risk-based capital ratio | 41.3236% | 227 |
| Total risk-based capital ratio | 42.5738% | 224 |
| Memoranda: | ||
| Average total assets | $26,996,250 | 6,661 |
| Average earning assets | $25,324,250 | 6,621 |
| Average equity | $2,676,500 | 6,667 |
| Average total loans | $6,230,250 | 6,786 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8236% | 6,596 |
| Cost of funding earning assets | 0.6301% | 2,681 |
| Net interest margin | 2.1935% | 6,685 |
| Noninterest income to average assets | 2.0181% | 438 |
| Noninterest expense to average assets | 3.4513% | 1,714 |
| Loan and lease loss provision to assets | -0.0366% | 6,626 |
| Net operating income to assets | 0.4680% | 4,933 |
| Return on assets (ROA) | 0.4680% | 5,113 |
| Pretax return on assets | 0.6654% | 4,798 |
| Return on Equity (ROE) | 4.7232% | 4,884 |
| Retained earnings to average equity (ytd only) | 4.7232% | 3,247 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5878% | 1,566 |
| Assets per employee ($millions) | 2.9256% | 5,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2876% | 4,566 |
| Loan loss allowance to noncurrent loans | 160.4167% | 2,394 |
| Noncurrent assets plus other real estate owned to assets | 0.5583% | 4,851 |
| Noncurrent loans to loans | 0.8027% | 4,307 |
| Net loans and leases to total assets | 22.4193% | 6,755 |
| Net loans and leases to deposits | 30.2842% | 6,693 |
| Net loans and leases to core deposits | 30.6873% | 6,704 |
| Total domestic deposits to total assets | 74.0296% | 6,441 |
| Equity capital to assets | 10.0304% | 3,877 |
| Core capital (leverage) ratio | 9.5840% | 4,102 |
| Tier 1 risk-based capital ratio | 39.7436% | 236 |
| Total risk-based capital ratio | 40.9623% | 234 |
| Memoranda: | ||
| Average total assets | $27,352,330 | 6,703 |
| Average earning assets | $25,712,000 | 6,664 |
| Average equity | $2,710,000 | 6,714 |
| Average total loans | $6,475,330 | 6,826 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8499% | 6,652 |
| Cost of funding earning assets | 0.6248% | 2,879 |
| Net interest margin | 2.2251% | 6,741 |
| Noninterest income to average assets | 2.0529% | 419 |
| Noninterest expense to average assets | 3.5459% | 1,534 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4163% | 5,060 |
| Return on assets (ROA) | 0.4163% | 5,211 |
| Pretax return on assets | 0.6029% | 4,935 |
| Return on Equity (ROE) | 4.2266% | 4,984 |
| Retained earnings to average equity (ytd only) | 4.2266% | 3,692 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4671% | 1,590 |
| Assets per employee ($millions) | 3.5154% | 4,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2567% | 4,910 |
| Loan loss allowance to noncurrent loans | 372.7273% | 1,093 |
| Noncurrent assets plus other real estate owned to assets | 0.4303% | 5,314 |
| Noncurrent loans to loans | 0.3372% | 5,561 |
| Net loans and leases to total assets | 22.9101% | 6,799 |
| Net loans and leases to deposits | 30.4792% | 6,734 |
| Net loans and leases to core deposits | 30.8514% | 6,748 |
| Total domestic deposits to total assets | 75.1662% | 6,440 |
| Equity capital to assets | 9.7322% | 4,517 |
| Core capital (leverage) ratio | 8.8997% | 5,059 |
| Tier 1 risk-based capital ratio | 35.1574% | 343 |
| Total risk-based capital ratio | 36.3198% | 339 |
| Memoranda: | ||
| Average total assets | $27,863,500 | 6,761 |
| Average earning assets | $26,246,500 | 6,717 |
| Average equity | $2,744,500 | 6,776 |
| Average total loans | $6,723,000 | 6,888 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5275% | 6,327 |
| Cost of funding earning assets | 0.8263% | 2,453 |
| Net interest margin | 2.7013% | 6,516 |
| Noninterest income to average assets | 1.0853% | 1,317 |
| Noninterest expense to average assets | 3.7363% | 1,346 |
| Loan and lease loss provision to assets | 0.0235% | 5,599 |
| Net operating income to assets | -0.0294% | 6,212 |
| Return on assets (ROA) | -0.0101% | 6,314 |
| Pretax return on assets | -0.0739% | 6,348 |
| Return on Equity (ROE) | -0.1096% | 6,318 |
| Retained earnings to average equity (ytd only) | -0.1096% | 5,869 |
| Net charge-offs to loans | 0.0645% | 5,045 |
| Credit loss provision to net charge-offs | 140.0000% | 1,968 |
| Earnings coverage of net charge-offs (x) | -4.8000% | 5,905 |
| Efficiency ratio | 102.2059% | 485 |
| Assets per employee ($millions) | 3.0671% | 5,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1848% | 5,185 |
| Loan loss allowance to noncurrent loans | 130.1587% | 2,665 |
| Noncurrent assets plus other real estate owned to assets | 0.5869% | 5,009 |
| Noncurrent loans to loans | 0.9103% | 4,357 |
| Net loans and leases to total assets | 24.7754% | 6,841 |
| Net loans and leases to deposits | 33.0770% | 6,757 |
| Net loans and leases to core deposits | 33.4884% | 6,780 |
| Total domestic deposits to total assets | 74.9022% | 6,454 |
| Equity capital to assets | 9.9696% | 4,211 |
| Core capital (leverage) ratio | 8.8998% | 5,042 |
| Tier 1 risk-based capital ratio | 35.2629% | 336 |
| Total risk-based capital ratio | 36.4407% | 334 |
| Memoranda: | ||
| Average total assets | $29,762,000 | 6,759 |
| Average earning assets | $28,320,200 | 6,708 |
| Average equity | $2,738,400 | 6,835 |
| Average total loans | $7,752,600 | 6,925 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6011% | 6,393 |
| Cost of funding earning assets | 0.8633% | 2,439 |
| Net interest margin | 2.7378% | 6,595 |
| Noninterest income to average assets | 0.8492% | 2,037 |
| Noninterest expense to average assets | 3.5641% | 1,623 |
| Loan and lease loss provision to assets | 0.0308% | 5,392 |
| Net operating income to assets | -0.0517% | 6,342 |
| Return on assets (ROA) | -0.0264% | 6,435 |
| Pretax return on assets | -0.0968% | 6,478 |
| Return on Equity (ROE) | -0.2925% | 6,439 |
| Retained earnings to average equity (ytd only) | -0.2925% | 6,138 |
| Net charge-offs to loans | 0.0838% | 4,551 |
| Credit loss provision to net charge-offs | 140.0000% | 2,063 |
| Earnings coverage of net charge-offs (x) | -4.7976% | 5,706 |
| Efficiency ratio | 103.0534% | 446 |
| Assets per employee ($millions) | 2.8428% | 6,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1068% | 5,690 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3940% | 5,706 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 25.7739% | 6,924 |
| Net loans and leases to deposits | 35.4715% | 6,828 |
| Net loans and leases to core deposits | 35.9114% | 6,856 |
| Total domestic deposits to total assets | 72.6608% | 6,702 |
| Equity capital to assets | 9.8565% | 4,699 |
| Core capital (leverage) ratio | 8.7361% | 5,423 |
| Tier 1 risk-based capital ratio | 34.6322% | 369 |
| Total risk-based capital ratio | 35.7899% | 366 |
| Memoranda: | ||
| Average total assets | $30,301,500 | 6,834 |
| Average earning assets | $28,879,500 | 6,777 |
| Average equity | $2,735,000 | 6,921 |
| Average total loans | $7,960,500 | 7,009 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5774% | 6,512 |
| Cost of funding earning assets | 0.8943% | 2,449 |
| Net interest margin | 2.6830% | 6,727 |
| Noninterest income to average assets | 0.8925% | 1,812 |
| Noninterest expense to average assets | 3.4663% | 1,866 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.0000% | 6,317 |
| Return on assets (ROA) | 0.0388% | 6,415 |
| Pretax return on assets | 0.0259% | 6,415 |
| Return on Equity (ROE) | 0.4424% | 6,399 |
| Retained earnings to average equity (ytd only) | 0.4424% | 5,890 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.3745% | 545 |
| Assets per employee ($millions) | 3.0194% | 6,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0260% | 6,056 |
| Loan loss allowance to noncurrent loans | 158.8235% | 2,116 |
| Noncurrent assets plus other real estate owned to assets | 0.1689% | 6,370 |
| Noncurrent loans to loans | 0.6460% | 5,217 |
| Net loans and leases to total assets | 25.8793% | 6,985 |
| Net loans and leases to deposits | 34.8668% | 6,900 |
| Net loans and leases to core deposits | 36.5567% | 6,903 |
| Total domestic deposits to total assets | 74.2234% | 6,662 |
| Equity capital to assets | 8.9885% | 5,712 |
| Core capital (leverage) ratio | 8.0232% | 6,248 |
| Tier 1 risk-based capital ratio | 26.0827% | 797 |
| Total risk-based capital ratio | 26.9554% | 821 |
| Memoranda: | ||
| Average total assets | $30,926,000 | 6,870 |
| Average earning assets | $29,519,000 | 6,810 |
| Average equity | $2,712,670 | 6,965 |
| Average total loans | $8,144,330 | 7,066 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6689% | 6,488 |
| Cost of funding earning assets | 0.9239% | 2,485 |
| Net interest margin | 2.7450% | 6,722 |
| Noninterest income to average assets | 0.8053% | 2,141 |
| Noninterest expense to average assets | 3.3491% | 2,150 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.0895% | 6,256 |
| Return on assets (ROA) | 0.1662% | 6,211 |
| Pretax return on assets | 0.1534% | 6,286 |
| Return on Equity (ROE) | 1.9174% | 6,097 |
| Retained earnings to average equity (ytd only) | 1.9174% | 5,293 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.7612% | 647 |
| Assets per employee ($millions) | 3.5378% | 5,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9537% | 6,406 |
| Loan loss allowance to noncurrent loans | 46.5116% | 5,285 |
| Noncurrent assets plus other real estate owned to assets | 0.5402% | 5,525 |
| Noncurrent loans to loans | 2.0505% | 3,087 |
| Net loans and leases to total assets | 26.0930% | 7,035 |
| Net loans and leases to deposits | 34.6210% | 6,931 |
| Net loans and leases to core deposits | 36.1784% | 6,936 |
| Total domestic deposits to total assets | 75.3675% | 6,606 |
| Equity capital to assets | 8.5082% | 6,077 |
| Core capital (leverage) ratio | 7.6304% | 6,549 |
| Tier 1 risk-based capital ratio | 23.9519% | 1,012 |
| Total risk-based capital ratio | 24.7410% | 1,050 |
| Memoranda: | ||
| Average total assets | $31,292,000 | 6,916 |
| Average earning assets | $29,872,500 | 6,853 |
| Average equity | $2,712,000 | 7,020 |
| Average total loans | $8,269,000 | 7,124 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9872% | 6,477 |
| Cost of funding earning assets | 1.0650% | 2,917 |
| Net interest margin | 2.9223% | 6,657 |
| Noninterest income to average assets | 0.2786% | 5,537 |
| Noninterest expense to average assets | 3.5631% | 1,822 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -0.3868% | 6,407 |
| Return on assets (ROA) | -0.3818% | 6,450 |
| Pretax return on assets | -0.5124% | 6,503 |
| Return on Equity (ROE) | -4.0136% | 6,471 |
| Retained earnings to average equity (ytd only) | -4.0136% | 6,372 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.0621% | 333 |
| Assets per employee ($millions) | 3.4160% | 5,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9939% | 6,254 |
| Loan loss allowance to noncurrent loans | 176.0870% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 0.1496% | 6,574 |
| Noncurrent loans to loans | 0.5644% | 5,587 |
| Net loans and leases to total assets | 26.2458% | 7,115 |
| Net loans and leases to deposits | 35.3268% | 7,017 |
| Net loans and leases to core deposits | 35.3702% | 7,047 |
| Total domestic deposits to total assets | 74.2942% | 6,687 |
| Equity capital to assets | 8.8310% | 5,759 |
| Core capital (leverage) ratio | 7.9356% | 6,321 |
| Tier 1 risk-based capital ratio | 23.6214% | 1,008 |
| Total risk-based capital ratio | 24.4134% | 1,064 |
| Memoranda: | ||
| Average total assets | $29,076,200 | 6,994 |
| Average earning assets | $27,512,800 | 6,936 |
| Average equity | $2,765,600 | 7,063 |
| Average total loans | $7,843,400 | 7,188 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0611% | 6,485 |
| Cost of funding earning assets | 1.1040% | 2,952 |
| Net interest margin | 2.9571% | 6,655 |
| Noninterest income to average assets | 0.0884% | 6,795 |
| Noninterest expense to average assets | 3.6799% | 1,534 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.6401% | 6,723 |
| Return on assets (ROA) | -0.6327% | 6,752 |
| Pretax return on assets | -0.7909% | 6,780 |
| Return on Equity (ROE) | -6.5268% | 6,742 |
| Retained earnings to average equity (ytd only) | -6.5268% | 6,671 |
| Net charge-offs to loans | 0.0686% | 5,272 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | -43.0263% | 6,166 |
| Efficiency ratio | 127.7868% | 244 |
| Assets per employee ($millions) | 3.3307% | 5,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0485% | 6,053 |
| Loan loss allowance to noncurrent loans | 94.1860% | 3,103 |
| Noncurrent assets plus other real estate owned to assets | 0.2869% | 6,342 |
| Noncurrent loans to loans | 1.1133% | 4,694 |
| Net loans and leases to total assets | 25.5004% | 7,199 |
| Net loans and leases to deposits | 34.7486% | 7,103 |
| Net loans and leases to core deposits | 34.7897% | 7,147 |
| Total domestic deposits to total assets | 73.3854% | 6,823 |
| Equity capital to assets | 9.1039% | 5,635 |
| Core capital (leverage) ratio | 8.0673% | 6,324 |
| Tier 1 risk-based capital ratio | 23.4182% | 1,087 |
| Total risk-based capital ratio | 24.2116% | 1,133 |
| Memoranda: | ||
| Average total assets | $28,659,250 | 7,078 |
| Average earning assets | $27,052,500 | 7,026 |
| Average equity | $2,778,250 | 7,128 |
| Average total loans | $7,766,750 | 7,264 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2399% | 6,195 |
| Cost of funding earning assets | 1.1557% | 2,868 |
| Net interest margin | 3.0843% | 6,440 |
| Noninterest income to average assets | 0.4961% | 3,898 |
| Noninterest expense to average assets | 3.6569% | 1,613 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.1897% | 6,464 |
| Return on assets (ROA) | -0.1843% | 6,494 |
| Pretax return on assets | -0.2410% | 6,489 |
| Return on Equity (ROE) | -1.8607% | 6,501 |
| Retained earnings to average equity (ytd only) | -1.8607% | 6,226 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.2765% | 528 |
| Assets per employee ($millions) | 3.1419% | 5,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0409% | 6,181 |
| Loan loss allowance to noncurrent loans | 95.2941% | 3,019 |
| Noncurrent assets plus other real estate owned to assets | 0.3006% | 6,381 |
| Noncurrent loans to loans | 1.0923% | 4,843 |
| Net loans and leases to total assets | 27.2341% | 7,259 |
| Net loans and leases to deposits | 38.1200% | 7,117 |
| Net loans and leases to core deposits | 38.1200% | 7,164 |
| Total domestic deposits to total assets | 71.4432% | 7,037 |
| Equity capital to assets | 10.0152% | 4,127 |
| Core capital (leverage) ratio | 9.0893% | 4,592 |
| Tier 1 risk-based capital ratio | 26.1325% | 803 |
| Total risk-based capital ratio | 26.9646% | 816 |
| Memoranda: | ||
| Average total assets | $28,220,330 | 7,151 |
| Average earning assets | $26,651,330 | 7,107 |
| Average equity | $2,794,670 | 7,184 |
| Average total loans | $7,780,670 | 7,337 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1953% | 6,289 |
| Cost of funding earning assets | 1.1879% | 2,897 |
| Net interest margin | 3.0073% | 6,558 |
| Noninterest income to average assets | 0.6527% | 2,827 |
| Noninterest expense to average assets | 3.6606% | 1,628 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.1239% | 6,480 |
| Return on assets (ROA) | -0.1135% | 6,492 |
| Pretax return on assets | -0.1561% | 6,502 |
| Return on Equity (ROE) | -1.1527% | 6,503 |
| Retained earnings to average equity (ytd only) | -1.1527% | 6,017 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.8780% | 602 |
| Assets per employee ($millions) | 3.1656% | 5,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0572% | 6,195 |
| Loan loss allowance to noncurrent loans | 57.4468% | 4,564 |
| Noncurrent assets plus other real estate owned to assets | 0.4949% | 5,985 |
| Noncurrent loans to loans | 1.8403% | 3,775 |
| Net loans and leases to total assets | 26.6093% | 7,330 |
| Net loans and leases to deposits | 36.9157% | 7,198 |
| Net loans and leases to core deposits | 36.9157% | 7,243 |
| Total domestic deposits to total assets | 72.0814% | 7,075 |
| Equity capital to assets | 9.7192% | 4,150 |
| Core capital (leverage) ratio | 9.0456% | 4,542 |
| Tier 1 risk-based capital ratio | 26.6209% | 735 |
| Total risk-based capital ratio | 27.4638% | 753 |
| Memoranda: | ||
| Average total assets | $28,192,000 | 7,208 |
| Average earning assets | $26,601,500 | 7,156 |
| Average equity | $2,776,000 | 7,229 |
| Average total loans | $7,780,000 | 7,394 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6146% | 6,068 |
| Cost of funding earning assets | 1.9835% | 639 |
| Net interest margin | 2.6311% | 7,182 |
| Noninterest income to average assets | 1.4093% | 735 |
| Noninterest expense to average assets | 3.7556% | 1,577 |
| Loan and lease loss provision to assets | -0.0267% | 7,580 |
| Net operating income to assets | 0.2323% | 5,172 |
| Return on assets (ROA) | 0.2323% | 5,325 |
| Pretax return on assets | 0.1562% | 5,581 |
| Return on Equity (ROE) | 2.1916% | 5,313 |
| Retained earnings to average equity (ytd only) | 2.1916% | 4,356 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6667% | 940 |
| Assets per employee ($millions) | 3.0993% | 5,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0256% | 6,256 |
| Loan loss allowance to noncurrent loans | 26.7327% | 6,499 |
| Noncurrent assets plus other real estate owned to assets | 1.0863% | 4,837 |
| Noncurrent loans to loans | 3.8364% | 1,921 |
| Net loans and leases to total assets | 28.0239% | 7,405 |
| Net loans and leases to deposits | 39.4718% | 7,270 |
| Net loans and leases to core deposits | 39.9765% | 7,306 |
| Total domestic deposits to total assets | 70.9973% | 7,170 |
| Equity capital to assets | 9.9771% | 3,772 |
| Core capital (leverage) ratio | 9.2712% | 4,068 |
| Tier 1 risk-based capital ratio | 25.7372% | 778 |
| Total risk-based capital ratio | 26.5496% | 800 |
| Memoranda: | ||
| Average total assets | $26,254,400 | 7,312 |
| Average earning assets | $24,704,200 | 7,265 |
| Average equity | $2,783,400 | 7,331 |
| Average total loans | $8,476,600 | 7,443 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7168% | 5,956 |
| Cost of funding earning assets | 2.1335% | 480 |
| Net interest margin | 2.5832% | 7,326 |
| Noninterest income to average assets | 1.0679% | 1,255 |
| Noninterest expense to average assets | 3.8021% | 1,370 |
| Loan and lease loss provision to assets | -0.0361% | 7,687 |
| Net operating income to assets | -0.1961% | 6,316 |
| Return on assets (ROA) | -0.1961% | 6,380 |
| Pretax return on assets | -0.2683% | 6,385 |
| Return on Equity (ROE) | -1.8204% | 6,379 |
| Retained earnings to average equity (ytd only) | -1.8204% | 6,167 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.7021% | 550 |
| Assets per employee ($millions) | 3.0216% | 6,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0025% | 6,383 |
| Loan loss allowance to noncurrent loans | 33.1967% | 6,114 |
| Noncurrent assets plus other real estate owned to assets | 1.0627% | 4,990 |
| Noncurrent loans to loans | 3.0198% | 2,640 |
| Net loans and leases to total assets | 29.4146% | 7,481 |
| Net loans and leases to deposits | 41.7964% | 7,311 |
| Net loans and leases to core deposits | 42.3496% | 7,367 |
| Total domestic deposits to total assets | 70.3758% | 7,254 |
| Equity capital to assets | 10.1787% | 3,907 |
| Core capital (leverage) ratio | 9.2004% | 4,369 |
| Tier 1 risk-based capital ratio | 23.9965% | 947 |
| Total risk-based capital ratio | 24.7818% | 974 |
| Memoranda: | ||
| Average total assets | $25,844,500 | 7,416 |
| Average earning assets | $24,309,750 | 7,370 |
| Average equity | $2,783,500 | 7,425 |
| Average total loans | $8,621,250 | 7,538 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8484% | 5,609 |
| Cost of funding earning assets | 2.1474% | 558 |
| Net interest margin | 2.7010% | 7,256 |
| Noninterest income to average assets | 1.2759% | 793 |
| Noninterest expense to average assets | 3.8039% | 1,353 |
| Loan and lease loss provision to assets | -0.0551% | 7,760 |
| Net operating income to assets | 0.0709% | 5,944 |
| Return on assets (ROA) | 0.0709% | 6,046 |
| Pretax return on assets | 0.0630% | 6,050 |
| Return on Equity (ROE) | 0.6455% | 6,046 |
| Retained earnings to average equity (ytd only) | 0.6455% | 5,504 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.7934% | 807 |
| Assets per employee ($millions) | 2.9002% | 6,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9773% | 6,497 |
| Loan loss allowance to noncurrent loans | 101.2500% | 2,722 |
| Noncurrent assets plus other real estate owned to assets | 0.4789% | 6,251 |
| Noncurrent loans to loans | 0.9653% | 5,376 |
| Net loans and leases to total assets | 31.4420% | 7,496 |
| Net loans and leases to deposits | 45.5236% | 7,272 |
| Net loans and leases to core deposits | 46.1638% | 7,347 |
| Total domestic deposits to total assets | 69.0675% | 7,386 |
| Equity capital to assets | 10.7731% | 3,100 |
| Core capital (leverage) ratio | 9.7532% | 3,465 |
| Tier 1 risk-based capital ratio | 24.5154% | 892 |
| Total risk-based capital ratio | 25.3044% | 922 |
| Memoranda: | ||
| Average total assets | $25,394,670 | 7,486 |
| Average earning assets | $23,843,000 | 7,443 |
| Average equity | $2,788,670 | 7,477 |
| Average total loans | $8,801,670 | 7,595 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9893% | 5,065 |
| Cost of funding earning assets | 2.1455% | 696 |
| Net interest margin | 2.8437% | 7,112 |
| Noninterest income to average assets | 0.8147% | 1,946 |
| Noninterest expense to average assets | 3.8657% | 1,221 |
| Loan and lease loss provision to assets | -0.0958% | 7,869 |
| Net operating income to assets | -0.2077% | 6,553 |
| Return on assets (ROA) | -0.2077% | 6,621 |
| Pretax return on assets | -0.2875% | 6,623 |
| Return on Equity (ROE) | -1.8725% | 6,623 |
| Retained earnings to average equity (ytd only) | -1.8725% | 6,193 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.0092% | 580 |
| Assets per employee ($millions) | 2.7856% | 6,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8844% | 6,886 |
| Loan loss allowance to noncurrent loans | 36.1607% | 5,962 |
| Noncurrent assets plus other real estate owned to assets | 1.0730% | 4,995 |
| Noncurrent loans to loans | 2.4457% | 3,231 |
| Net loans and leases to total assets | 36.2106% | 7,417 |
| Net loans and leases to deposits | 53.8243% | 6,926 |
| Net loans and leases to core deposits | 53.8243% | 7,113 |
| Total domestic deposits to total assets | 67.2756% | 7,562 |
| Equity capital to assets | 10.8815% | 2,864 |
| Core capital (leverage) ratio | 10.1576% | 2,972 |
| Tier 1 risk-based capital ratio | 24.6800% | 898 |
| Total risk-based capital ratio | 25.4714% | 926 |
| Memoranda: | ||
| Average total assets | $25,041,000 | 7,588 |
| Average earning assets | $23,490,500 | 7,548 |
| Average equity | $2,777,000 | 7,558 |
| Average total loans | $9,058,500 | 7,687 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6019% | 3,599 |
| Cost of funding earning assets | 2.5275% | 957 |
| Net interest margin | 3.0744% | 6,453 |
| Noninterest income to average assets | 1.0087% | 1,542 |
| Noninterest expense to average assets | 3.7835% | 1,732 |
| Loan and lease loss provision to assets | 0.0405% | 7,141 |
| Net operating income to assets | 0.1094% | 5,186 |
| Return on assets (ROA) | 0.5347% | 3,687 |
| Pretax return on assets | 0.5023% | 4,178 |
| Return on Equity (ROE) | 4.8604% | 3,731 |
| Retained earnings to average equity (ytd only) | 4.8604% | 1,896 |
| Net charge-offs to loans | 0.1447% | 5,791 |
| Credit loss provision to net charge-offs | 76.9231% | 6,359 |
| Earnings coverage of net charge-offs (x) | 2.2308% | 4,046 |
| Efficiency ratio | 96.9886% | 1,267 |
| Assets per employee ($millions) | 2.7791% | 6,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9042% | 6,793 |
| Loan loss allowance to noncurrent loans | 147.2727% | 1,951 |
| Noncurrent assets plus other real estate owned to assets | 0.3998% | 6,457 |
| Noncurrent loans to loans | 0.6140% | 6,020 |
| Net loans and leases to total assets | 35.4910% | 7,543 |
| Net loans and leases to deposits | 53.9209% | 7,056 |
| Net loans and leases to core deposits | 62.8149% | 7,162 |
| Total domestic deposits to total assets | 65.8204% | 7,647 |
| Equity capital to assets | 11.2986% | 2,464 |
| Core capital (leverage) ratio | 10.4898% | 2,621 |
| Tier 1 risk-based capital ratio | 26.2494% | 744 |
| Total risk-based capital ratio | 27.0671% | 765 |
| Memoranda: | ||
| Average total assets | $24,686,000 | 7,647 |
| Average earning assets | $23,224,200 | 7,608 |
| Average equity | $2,715,800 | 7,669 |
| Average total loans | $8,986,000 | 7,742 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6696% | 3,479 |
| Cost of funding earning assets | 2.6132% | 996 |
| Net interest margin | 3.0564% | 6,442 |
| Noninterest income to average assets | 0.8291% | 2,295 |
| Noninterest expense to average assets | 3.7391% | 1,725 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.0271% | 5,651 |
| Return on assets (ROA) | 0.5961% | 3,675 |
| Pretax return on assets | 0.5364% | 4,408 |
| Return on Equity (ROE) | 5.4556% | 3,758 |
| Retained earnings to average equity (ytd only) | 5.4556% | 2,226 |
| Net charge-offs to loans | 0.0445% | 6,286 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | -2.0000% | 6,743 |
| Efficiency ratio | 100.8772% | 1,022 |
| Assets per employee ($millions) | 2.6960% | 6,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9036% | 6,743 |
| Loan loss allowance to noncurrent loans | 52.9412% | 4,796 |
| Noncurrent assets plus other real estate owned to assets | 0.8160% | 5,463 |
| Noncurrent loans to loans | 1.7068% | 4,080 |
| Net loans and leases to total assets | 36.6098% | 7,597 |
| Net loans and leases to deposits | 55.6928% | 7,115 |
| Net loans and leases to core deposits | 64.5942% | 7,219 |
| Total domestic deposits to total assets | 65.7352% | 7,699 |
| Equity capital to assets | 11.4738% | 2,610 |
| Core capital (leverage) ratio | 10.7158% | 2,630 |
| Tier 1 risk-based capital ratio | 26.8402% | 760 |
| Total risk-based capital ratio | 27.6835% | 770 |
| Memoranda: | ||
| Average total assets | $24,604,500 | 7,722 |
| Average earning assets | $23,164,000 | 7,686 |
| Average equity | $2,688,250 | 7,757 |
| Average total loans | $8,993,000 | 7,816 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8378% | 2,857 |
| Cost of funding earning assets | 2.6739% | 1,100 |
| Net interest margin | 3.1640% | 6,049 |
| Noninterest income to average assets | 0.8739% | 2,084 |
| Noninterest expense to average assets | 3.6896% | 1,860 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.2994% | 4,900 |
| Return on assets (ROA) | 1.1490% | 1,701 |
| Pretax return on assets | 1.0114% | 2,966 |
| Return on Equity (ROE) | 10.6914% | 1,794 |
| Retained earnings to average equity (ytd only) | 10.6914% | 614 |
| Net charge-offs to loans | 0.0666% | 5,569 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 6.6667% | 2,575 |
| Efficiency ratio | 95.7983% | 1,391 |
| Assets per employee ($millions) | 2.7196% | 6,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9129% | 6,715 |
| Loan loss allowance to noncurrent loans | 65.3226% | 4,160 |
| Noncurrent assets plus other real estate owned to assets | 0.6905% | 5,682 |
| Noncurrent loans to loans | 1.3975% | 4,417 |
| Net loans and leases to total assets | 35.9209% | 7,709 |
| Net loans and leases to deposits | 56.1215% | 7,160 |
| Net loans and leases to core deposits | 64.5379% | 7,272 |
| Total domestic deposits to total assets | 64.0056% | 7,829 |
| Equity capital to assets | 11.2845% | 2,689 |
| Core capital (leverage) ratio | 10.7301% | 2,632 |
| Tier 1 risk-based capital ratio | 27.6454% | 739 |
| Total risk-based capital ratio | 28.5033% | 747 |
| Memoranda: | ||
| Average total assets | $24,718,000 | 7,796 |
| Average earning assets | $23,262,000 | 7,756 |
| Average equity | $2,656,330 | 7,836 |
| Average total loans | $9,002,670 | 7,900 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0954% | 1,964 |
| Cost of funding earning assets | 2.7566% | 1,093 |
| Net interest margin | 3.3388% | 5,371 |
| Noninterest income to average assets | 0.2577% | 6,386 |
| Noninterest expense to average assets | 3.5911% | 1,885 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.0161% | 6,218 |
| Return on assets (ROA) | 1.7070% | 705 |
| Pretax return on assets | 1.4976% | 1,674 |
| Return on Equity (ROE) | 16.2858% | 780 |
| Retained earnings to average equity (ytd only) | 16.2858% | 317 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.6872% | 932 |
| Assets per employee ($millions) | 2.7313% | 6,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8947% | 6,775 |
| Loan loss allowance to noncurrent loans | 43.3155% | 5,637 |
| Noncurrent assets plus other real estate owned to assets | 1.2814% | 4,116 |
| Noncurrent loans to loans | 2.0656% | 3,175 |
| Net loans and leases to total assets | 36.4983% | 7,713 |
| Net loans and leases to deposits | 56.6164% | 7,121 |
| Net loans and leases to core deposits | 65.4508% | 7,257 |
| Total domestic deposits to total assets | 64.4659% | 7,823 |
| Equity capital to assets | 11.0365% | 2,933 |
| Core capital (leverage) ratio | 10.5306% | 2,886 |
| Tier 1 risk-based capital ratio | 27.8511% | 768 |
| Total risk-based capital ratio | 28.7275% | 767 |
| Memoranda: | ||
| Average total assets | $24,839,000 | 7,842 |
| Average earning assets | $23,362,000 | 7,794 |
| Average equity | $2,603,500 | 7,908 |
| Average total loans | $9,067,500 | 7,949 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2358% | 4,322 |
| Cost of funding earning assets | 3.4066% | 702 |
| Net interest margin | 2.8292% | 7,282 |
| Noninterest income to average assets | 0.6543% | 3,440 |
| Noninterest expense to average assets | 3.4986% | 2,403 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -0.1685% | 6,582 |
| Return on assets (ROA) | 0.1058% | 5,938 |
| Pretax return on assets | 0.0979% | 5,948 |
| Return on Equity (ROE) | 1.0888% | 5,889 |
| Retained earnings to average equity (ytd only) | 1.0888% | 4,573 |
| Net charge-offs to loans | 0.0302% | 6,399 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | -15.0000% | 6,926 |
| Efficiency ratio | 105.3066% | 824 |
| Assets per employee ($millions) | 2.7884% | 6,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8919% | 6,722 |
| Loan loss allowance to noncurrent loans | 26.5574% | 6,913 |
| Noncurrent assets plus other real estate owned to assets | 1.3946% | 3,404 |
| Noncurrent loans to loans | 3.3583% | 1,538 |
| Net loans and leases to total assets | 35.8663% | 7,835 |
| Net loans and leases to deposits | 54.2360% | 7,425 |
| Net loans and leases to core deposits | 66.7087% | 7,338 |
| Total domestic deposits to total assets | 66.1301% | 7,652 |
| Equity capital to assets | 9.9378% | 4,114 |
| Core capital (leverage) ratio | 9.8444% | 3,593 |
| Tier 1 risk-based capital ratio | 23.2326% | 1,162 |
| Total risk-based capital ratio | 23.9951% | 1,194 |
| Memoranda: | ||
| Average total assets | $25,524,600 | 7,823 |
| Average earning assets | $24,070,800 | 7,778 |
| Average equity | $2,479,800 | 7,997 |
| Average total loans | $9,930,000 | 7,944 |