Home > Sonata Bank > Performance and Condition Ratios
Sonata Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 3 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0386% | 316 |
| Cost of funding earning assets | 3.6077% | 84 |
| Net interest margin | 3.4309% | 2,484 |
| Noninterest income to average assets | 0.1000% | 4,126 |
| Noninterest expense to average assets | 4.3940% | 305 |
| Loan and lease loss provision to assets | 0.3400% | 308 |
| Net operating income to assets | -1.4580% | 4,389 |
| Return on assets (ROA) | -1.4580% | 4,423 |
| Pretax return on assets | -1.4580% | 4,415 |
| Return on Equity (ROE) | -16.1900% | 4,418 |
| Retained earnings to average equity (ytd only) | -16.1906% | 4,349 |
| Net charge-offs to loans | 0.0423% | 1,248 |
| Credit loss provision to net charge-offs | 1,335.0000% | 284 |
| Earnings coverage of net charge-offs (x) | -30.8000% | 4,466 |
| Efficiency ratio | 134.2032% | 97 |
| Assets per employee ($millions) | 5.0395% | 3,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9526% | 3,437 |
| Loan loss allowance to noncurrent loans | 272.2304% | 1,756 |
| Noncurrent assets plus other real estate owned to assets | 0.3053% | 2,064 |
| Noncurrent loans to loans | 0.3499% | 2,251 |
| Net loans and leases to total assets | 86.4200% | 114 |
| Net loans and leases to deposits | 96.2467% | 600 |
| Net loans and leases to core deposits | 135.9984% | 253 |
| Total domestic deposits to total assets | 89.7900% | 886 |
| Equity capital to assets | 9.1256% | 2,851 |
| Core capital (leverage) ratio | 9.5444% | 3,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7463% | 2,287 |
| Memoranda: | ||
| Average total assets | $220,026,500 | 2,896 |
| Average earning assets | $203,676,500 | 2,889 |
| Average equity | $19,814,000 | 3,017 |
| Average total loans | $189,243,500 | 2,483 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3647% | 268 |
| Cost of funding earning assets | 4.0438% | 64 |
| Net interest margin | 3.3210% | 2,460 |
| Noninterest income to average assets | 0.1900% | 3,762 |
| Noninterest expense to average assets | 5.1587% | 220 |
| Loan and lease loss provision to assets | 0.7100% | 126 |
| Net operating income to assets | -2.5570% | 4,439 |
| Return on assets (ROA) | -2.5570% | 4,476 |
| Pretax return on assets | -2.5582% | 4,475 |
| Return on Equity (ROE) | -26.4300% | 4,463 |
| Retained earnings to average equity (ytd only) | -26.4343% | 4,482 |
| Net charge-offs to loans | 0.3076% | 490 |
| Credit loss provision to net charge-offs | 273.9696% | 931 |
| Earnings coverage of net charge-offs (x) | -6.9132% | 4,451 |
| Efficiency ratio | 155.9515% | 73 |
| Assets per employee ($millions) | 5.0771% | 3,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8627% | 3,730 |
| Loan loss allowance to noncurrent loans | 257.0048% | 1,879 |
| Noncurrent assets plus other real estate owned to assets | 0.2845% | 2,096 |
| Noncurrent loans to loans | 0.3357% | 2,252 |
| Net loans and leases to total assets | 84.0100% | 280 |
| Net loans and leases to deposits | 93.7393% | 881 |
| Net loans and leases to core deposits | 135.0509% | 306 |
| Total domestic deposits to total assets | 89.6300% | 934 |
| Equity capital to assets | 8.8831% | 2,913 |
| Core capital (leverage) ratio | 9.5810% | 3,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2437% | 2,134 |
| Memoranda: | ||
| Average total assets | $172,193,000 | 3,189 |
| Average earning assets | $161,458,800 | 3,159 |
| Average equity | $16,656,400 | 3,208 |
| Average total loans | $149,868,600 | 2,732 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4273% | 251 |
| Cost of funding earning assets | 4.0751% | 68 |
| Net interest margin | 3.3522% | 2,338 |
| Noninterest income to average assets | 0.2400% | 3,438 |
| Noninterest expense to average assets | 5.6539% | 184 |
| Loan and lease loss provision to assets | 0.8000% | 90 |
| Net operating income to assets | -3.0672% | 4,481 |
| Return on assets (ROA) | -3.0672% | 4,513 |
| Pretax return on assets | -3.0689% | 4,513 |
| Return on Equity (ROE) | -30.8500% | 4,502 |
| Retained earnings to average equity (ytd only) | -30.8527% | 4,518 |
| Net charge-offs to loans | 0.0189% | 1,989 |
| Credit loss provision to net charge-offs | 5,040.0000% | 99 |
| Earnings coverage of net charge-offs (x) | -136.7500% | 4,536 |
| Efficiency ratio | 167.0672% | 63 |
| Assets per employee ($millions) | 4.4632% | 3,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9997% | 3,258 |
| Loan loss allowance to noncurrent loans | 212.9032% | 2,158 |
| Noncurrent assets plus other real estate owned to assets | 0.4167% | 1,618 |
| Noncurrent loans to loans | 0.4696% | 1,908 |
| Net loans and leases to total assets | 87.8600% | 74 |
| Net loans and leases to deposits | 97.9045% | 593 |
| Net loans and leases to core deposits | 141.7775% | 234 |
| Total domestic deposits to total assets | 89.7400% | 665 |
| Equity capital to assets | 8.7153% | 3,242 |
| Core capital (leverage) ratio | 9.5157% | 3,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3462% | 2,137 |
| Memoranda: | ||
| Average total assets | $160,662,750 | 3,273 |
| Average earning assets | $150,701,250 | 3,246 |
| Average equity | $15,972,250 | 3,255 |
| Average total loans | $141,083,250 | 2,802 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2610% | 284 |
| Cost of funding earning assets | 3.9611% | 70 |
| Net interest margin | 3.2999% | 2,412 |
| Noninterest income to average assets | 0.3400% | 2,750 |
| Noninterest expense to average assets | 6.0678% | 168 |
| Loan and lease loss provision to assets | 0.7800% | 97 |
| Net operating income to assets | -3.4155% | 4,500 |
| Return on assets (ROA) | -3.4155% | 4,537 |
| Pretax return on assets | -3.4182% | 4,534 |
| Return on Equity (ROE) | -32.5300% | 4,514 |
| Retained earnings to average equity (ytd only) | -32.5321% | 4,528 |
| Net charge-offs to loans | 0.0311% | 1,538 |
| Credit loss provision to net charge-offs | 2,700.0000% | 190 |
| Earnings coverage of net charge-offs (x) | -97.1500% | 4,550 |
| Efficiency ratio | 176.9505% | 65 |
| Assets per employee ($millions) | 3.7181% | 4,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8231% | 3,880 |
| Loan loss allowance to noncurrent loans | 200.3049% | 2,304 |
| Noncurrent assets plus other real estate owned to assets | 0.3676% | 1,697 |
| Noncurrent loans to loans | 0.4109% | 1,962 |
| Net loans and leases to total assets | 88.7200% | 59 |
| Net loans and leases to deposits | 107.6357% | 261 |
| Net loans and leases to core deposits | 165.4493% | 117 |
| Total domestic deposits to total assets | 82.4200% | 2,991 |
| Equity capital to assets | 9.0863% | 2,682 |
| Core capital (leverage) ratio | 10.1664% | 2,661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8929% | 1,938 |
| Memoranda: | ||
| Average total assets | $147,269,333 | 3,397 |
| Average earning assets | $137,942,000 | 3,375 |
| Average equity | $15,461,667 | 3,277 |
| Average total loans | $128,694,000 | 2,917 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2819% | 446 |
| Cost of funding earning assets | 2.2922% | 552 |
| Net interest margin | 3.9897% | 1,225 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 11.4609% | 104 |
| Loan and lease loss provision to assets | 0.8400% | 85 |
| Net operating income to assets | -8.4972% | 4,601 |
| Return on assets (ROA) | -8.4972% | 4,600 |
| Pretax return on assets | -8.4972% | 4,600 |
| Return on Equity (ROE) | -36.8900% | 4,566 |
| Retained earnings to average equity (ytd only) | -36.8874% | 4,550 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 301.1905% | 10 |
| Assets per employee ($millions) | 2.6237% | 4,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8165% | 3,927 |
| Loan loss allowance to noncurrent loans | 532.8859% | 1,384 |
| Noncurrent assets plus other real estate owned to assets | 0.1262% | 2,699 |
| Noncurrent loans to loans | 0.1532% | 2,749 |
| Net loans and leases to total assets | 81.6900% | 461 |
| Net loans and leases to deposits | 96.9561% | 718 |
| Net loans and leases to core deposits | 102.2518% | 1,320 |
| Total domestic deposits to total assets | 84.2600% | 2,547 |
| Equity capital to assets | 13.3052% | 798 |
| Core capital (leverage) ratio | 15.5260% | 543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $72,847,800 | 4,089 |
| Average earning assets | $67,097,600 | 4,066 |
| Average equity | $16,780,800 | 3,113 |
| Average total loans | $51,115,400 | 3,828 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6093% | 901 |
| Cost of funding earning assets | 1.6590% | 1,261 |
| Net interest margin | 3.9503% | 1,302 |
| Noninterest income to average assets | 0.1500% | 4,067 |
| Noninterest expense to average assets | 13.3237% | 92 |
| Loan and lease loss provision to assets | 0.8700% | 79 |
| Net operating income to assets | -10.4445% | 4,629 |
| Return on assets (ROA) | -10.4445% | 4,628 |
| Pretax return on assets | -10.4445% | 4,627 |
| Return on Equity (ROE) | -37.7000% | 4,593 |
| Retained earnings to average equity (ytd only) | -37.7027% | 4,579 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 355.2860% | 10 |
| Assets per employee ($millions) | 2.0127% | 4,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9025% | 3,723 |
| Loan loss allowance to noncurrent loans | 128.8845% | 2,975 |
| Noncurrent assets plus other real estate owned to assets | 0.5542% | 1,055 |
| Noncurrent loans to loans | 0.7003% | 1,182 |
| Net loans and leases to total assets | 78.4400% | 828 |
| Net loans and leases to deposits | 104.7941% | 329 |
| Net loans and leases to core deposits | 131.3045% | 327 |
| Total domestic deposits to total assets | 74.8500% | 4,098 |
| Equity capital to assets | 18.5563% | 326 |
| Core capital (leverage) ratio | 25.5504% | 160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $61,543,000 | 4,213 |
| Average earning assets | $56,095,750 | 4,202 |
| Average equity | $17,048,750 | 3,080 |
| Average total loans | $39,583,250 | 4,013 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6109% | 718 |
| Cost of funding earning assets | 1.2647% | 1,811 |
| Net interest margin | 4.3462% | 753 |
| Noninterest income to average assets | 0.1800% | 3,893 |
| Noninterest expense to average assets | 15.1389% | 82 |
| Loan and lease loss provision to assets | 0.6400% | 111 |
| Net operating income to assets | -11.7456% | 4,659 |
| Return on assets (ROA) | -11.7456% | 4,659 |
| Pretax return on assets | -11.7456% | 4,659 |
| Return on Equity (ROE) | -35.5600% | 4,626 |
| Retained earnings to average equity (ytd only) | -35.5647% | 4,605 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 374.9761% | 6 |
| Assets per employee ($millions) | 1.3551% | 4,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0538% | 3,167 |
| Loan loss allowance to noncurrent loans | 334.9593% | 2,018 |
| Noncurrent assets plus other real estate owned to assets | 0.2214% | 2,085 |
| Noncurrent loans to loans | 0.3146% | 2,014 |
| Net loans and leases to total assets | 69.6300% | 1,783 |
| Net loans and leases to deposits | 102.8365% | 404 |
| Net loans and leases to core deposits | 113.2237% | 708 |
| Total domestic deposits to total assets | 67.7100% | 4,415 |
| Equity capital to assets | 30.6797% | 157 |
| Core capital (leverage) ratio | 32.1464% | 109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $51,866,333 | 4,339 |
| Average earning assets | $46,017,333 | 4,328 |
| Average equity | $17,129,333 | 3,095 |
| Average total loans | $28,881,667 | 4,183 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9678% | 1,288 |
| Cost of funding earning assets | 0.9650% | 2,168 |
| Net interest margin | 4.0029% | 1,257 |
| Noninterest income to average assets | 0.1800% | 3,901 |
| Noninterest expense to average assets | 15.6816% | 80 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -11.9151% | 4,685 |
| Return on assets (ROA) | -11.9151% | 4,685 |
| Pretax return on assets | -11.9151% | 4,686 |
| Return on Equity (ROE) | -34.7100% | 4,645 |
| Retained earnings to average equity (ytd only) | -34.7087% | 4,647 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 416.3482% | 4 |
| Assets per employee ($millions) | 1.6156% | 4,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1012% | 3,046 |
| Loan loss allowance to noncurrent loans | 639.1304% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 0.0770% | 3,030 |
| Noncurrent loans to loans | 0.1723% | 2,618 |
| Net loans and leases to total assets | 44.1700% | 3,858 |
| Net loans and leases to deposits | 65.6963% | 2,958 |
| Net loans and leases to core deposits | 70.4276% | 2,925 |
| Total domestic deposits to total assets | 67.2400% | 4,467 |
| Equity capital to assets | 31.1379% | 117 |
| Core capital (leverage) ratio | 40.5060% | 96 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $50,020,500 | 4,414 |
| Average earning assets | $44,768,000 | 4,402 |
| Average equity | $17,171,500 | 3,119 |
| Average total loans | $23,774,500 | 4,330 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7096% | 2,502 |
| Cost of funding earning assets | 0.4537% | 1,696 |
| Net interest margin | 3.2559% | 2,688 |
| Noninterest income to average assets | 0.2000% | 3,947 |
| Noninterest expense to average assets | 12.9499% | 90 |
| Loan and lease loss provision to assets | 0.2400% | 394 |
| Net operating income to assets | -10.4430% | 4,719 |
| Return on assets (ROA) | -10.4430% | 4,719 |
| Pretax return on assets | -10.0050% | 4,718 |
| Return on Equity (ROE) | -41.3800% | 4,703 |
| Retained earnings to average equity (ytd only) | -41.3802% | 4,716 |
| Net charge-offs to loans | -0.0069% | 3,701 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 406.5661% | 14 |
| Assets per employee ($millions) | 1.2583% | 4,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2517% | 2,134 |
| Loan loss allowance to noncurrent loans | 567.3913% | 1,465 |
| Noncurrent assets plus other real estate owned to assets | 0.1142% | 2,724 |
| Noncurrent loans to loans | 0.2206% | 2,389 |
| Net loans and leases to total assets | 51.1400% | 3,424 |
| Net loans and leases to deposits | 86.3566% | 1,286 |
| Net loans and leases to core deposits | 101.7142% | 910 |
| Total domestic deposits to total assets | 59.2200% | 4,580 |
| Equity capital to assets | 39.0662% | 100 |
| Core capital (leverage) ratio | 39.7835% | 102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $35,382,400 | 4,573 |
| Average earning assets | $32,402,400 | 4,547 |
| Average equity | $8,929,400 | 3,998 |
| Average total loans | $14,468,200 | 4,494 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2736% | 3,253 |
| Cost of funding earning assets | 0.4481% | 987 |
| Net interest margin | 2.8255% | 3,677 |
| Noninterest income to average assets | 0.2100% | 3,937 |
| Noninterest expense to average assets | 5.5460% | 186 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | -2.7359% | 4,740 |
| Return on assets (ROA) | -2.7359% | 4,737 |
| Pretax return on assets | -2.7554% | 4,737 |
| Return on Equity (ROE) | -12.9300% | 4,715 |
| Retained earnings to average equity (ytd only) | -12.9286% | 4,700 |
| Net charge-offs to loans | -0.0104% | 3,726 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 198.7413% | 23 |
| Assets per employee ($millions) | 1.6284% | 4,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2732% | 2,158 |
| Loan loss allowance to noncurrent loans | 382.6087% | 1,879 |
| Noncurrent assets plus other real estate owned to assets | 0.0942% | 3,003 |
| Noncurrent loans to loans | 0.3328% | 2,035 |
| Net loans and leases to total assets | 27.9400% | 4,461 |
| Net loans and leases to deposits | 43.1185% | 4,145 |
| Net loans and leases to core deposits | 45.8723% | 4,116 |
| Total domestic deposits to total assets | 64.7900% | 4,593 |
| Equity capital to assets | 34.1972% | 105 |
| Core capital (leverage) ratio | 33.5644% | 107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $34,161,750 | 4,617 |
| Average earning assets | $31,239,000 | 4,593 |
| Average equity | $7,229,250 | 4,221 |
| Average total loans | $12,872,500 | 4,546 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8969% | 3,793 |
| Cost of funding earning assets | 0.4716% | 617 |
| Net interest margin | 2.4253% | 4,194 |
| Noninterest income to average assets | 0.2050% | 3,964 |
| Noninterest expense to average assets | 3.1369% | 688 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.6971% | 4,698 |
| Return on assets (ROA) | -0.6971% | 4,686 |
| Pretax return on assets | -0.7176% | 4,679 |
| Return on Equity (ROE) | -5.0119% | 4,674 |
| Retained earnings to average equity (ytd only) | -5.0119% | 4,541 |
| Net charge-offs to loans | -0.0159% | 3,784 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 129.6610% | 61 |
| Assets per employee ($millions) | 1.9345% | 4,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3423% | 1,998 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 30.3955% | 4,449 |
| Net loans and leases to deposits | 37.2184% | 4,361 |
| Net loans and leases to core deposits | 38.7805% | 4,356 |
| Total domestic deposits to total assets | 81.6678% | 4,057 |
| Equity capital to assets | 17.2419% | 263 |
| Core capital (leverage) ratio | 23.7598% | 117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $29,265,000 | 4,686 |
| Average earning assets | $26,718,333 | 4,668 |
| Average equity | $4,070,333 | 4,613 |
| Average total loans | $12,555,667 | 4,615 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4774% | 1,876 |
| Cost of funding earning assets | 0.6160% | 237 |
| Net interest margin | 2.8614% | 2,952 |
| Noninterest income to average assets | 0.1769% | 4,115 |
| Noninterest expense to average assets | 4.0322% | 272 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -1.2733% | 4,746 |
| Return on assets (ROA) | -1.2733% | 4,744 |
| Pretax return on assets | -1.3087% | 4,742 |
| Return on Equity (ROE) | -11.8202% | 4,753 |
| Retained earnings to average equity (ytd only) | -11.8202% | 4,594 |
| Net charge-offs to loans | -0.0326% | 4,117 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 148.0519% | 44 |
| Assets per employee ($millions) | 3.8258% | 4,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4319% | 1,790 |
| Loan loss allowance to noncurrent loans | 374.4681% | 1,816 |
| Noncurrent assets plus other real estate owned to assets | 0.2047% | 2,404 |
| Noncurrent loans to loans | 0.3824% | 2,113 |
| Net loans and leases to total assets | 52.7772% | 2,910 |
| Net loans and leases to deposits | 60.1898% | 2,886 |
| Net loans and leases to core deposits | 64.6892% | 2,744 |
| Total domestic deposits to total assets | 87.6846% | 2,672 |
| Equity capital to assets | 10.3725% | 1,642 |
| Core capital (leverage) ratio | 9.9172% | 2,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $22,618,000 | 4,755 |
| Average earning assets | $20,130,000 | 4,743 |
| Average equity | $2,436,500 | 4,744 |
| Average total loans | $12,277,500 | 4,651 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7914% | 1,891 |
| Cost of funding earning assets | 0.7552% | 256 |
| Net interest margin | 3.0361% | 3,088 |
| Noninterest income to average assets | 0.4997% | 2,566 |
| Noninterest expense to average assets | 4.1640% | 261 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | -0.9634% | 4,786 |
| Return on assets (ROA) | -0.9634% | 4,788 |
| Pretax return on assets | -0.9859% | 4,785 |
| Return on Equity (ROE) | -8.6472% | 4,797 |
| Retained earnings to average equity (ytd only) | -8.6472% | 4,749 |
| Net charge-offs to loans | -0.0163% | 3,906 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.0198% | 54 |
| Assets per employee ($millions) | 2.7774% | 4,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4269% | 1,814 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 54.4084% | 2,801 |
| Net loans and leases to deposits | 62.4561% | 2,840 |
| Net loans and leases to core deposits | 67.3257% | 2,710 |
| Total domestic deposits to total assets | 87.1146% | 2,468 |
| Equity capital to assets | 10.9321% | 1,831 |
| Core capital (leverage) ratio | 10.0778% | 2,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $22,214,000 | 4,793 |
| Average earning assets | $19,597,200 | 4,783 |
| Average equity | $2,474,800 | 4,786 |
| Average total loans | $12,288,000 | 4,694 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8464% | 1,925 |
| Cost of funding earning assets | 0.7720% | 277 |
| Net interest margin | 3.0744% | 3,116 |
| Noninterest income to average assets | 0.3361% | 3,423 |
| Noninterest expense to average assets | 3.9316% | 299 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | -0.8703% | 4,855 |
| Return on assets (ROA) | -0.8703% | 4,857 |
| Pretax return on assets | -0.8944% | 4,855 |
| Return on Equity (ROE) | -7.7759% | 4,869 |
| Retained earnings to average equity (ytd only) | -7.7759% | 4,826 |
| Net charge-offs to loans | -0.0108% | 3,706 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 129.4466% | 58 |
| Assets per employee ($millions) | 3.7980% | 4,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3901% | 2,064 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 54.1645% | 2,951 |
| Net loans and leases to deposits | 62.3667% | 3,005 |
| Net loans and leases to core deposits | 67.1143% | 2,846 |
| Total domestic deposits to total assets | 86.8483% | 2,408 |
| Equity capital to assets | 11.0058% | 2,011 |
| Core capital (leverage) ratio | 10.3936% | 2,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $22,212,750 | 4,866 |
| Average earning assets | $19,515,750 | 4,856 |
| Average equity | $2,486,250 | 4,858 |
| Average total loans | $12,294,000 | 4,766 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8717% | 1,895 |
| Cost of funding earning assets | 0.8053% | 288 |
| Net interest margin | 3.0664% | 3,125 |
| Noninterest income to average assets | 0.3360% | 3,418 |
| Noninterest expense to average assets | 3.8236% | 330 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -0.7720% | 4,888 |
| Return on assets (ROA) | -0.7720% | 4,893 |
| Pretax return on assets | -0.7902% | 4,886 |
| Return on Equity (ROE) | -6.8576% | 4,892 |
| Retained earnings to average equity (ytd only) | -6.8576% | 4,827 |
| Net charge-offs to loans | -0.0164% | 3,902 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.0479% | 67 |
| Assets per employee ($millions) | 2.4750% | 4,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3640% | 2,132 |
| Loan loss allowance to noncurrent loans | 1,581.8182% | 512 |
| Noncurrent assets plus other real estate owned to assets | 0.0494% | 3,926 |
| Noncurrent loans to loans | 0.0862% | 3,755 |
| Net loans and leases to total assets | 56.4893% | 2,840 |
| Net loans and leases to deposits | 64.9915% | 2,900 |
| Net loans and leases to core deposits | 70.0573% | 2,776 |
| Total domestic deposits to total assets | 86.9181% | 2,371 |
| Equity capital to assets | 10.9315% | 2,035 |
| Core capital (leverage) ratio | 10.1054% | 2,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $22,021,000 | 4,903 |
| Average earning assets | $19,371,333 | 4,891 |
| Average equity | $2,479,000 | 4,894 |
| Average total loans | $12,219,667 | 4,802 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7572% | 2,220 |
| Cost of funding earning assets | 0.7888% | 376 |
| Net interest margin | 2.9684% | 3,337 |
| Noninterest income to average assets | 0.3471% | 3,360 |
| Noninterest expense to average assets | 3.8549% | 321 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.8770% | 4,922 |
| Return on assets (ROA) | -0.8770% | 4,920 |
| Pretax return on assets | -0.8952% | 4,921 |
| Return on Equity (ROE) | -7.6769% | 4,924 |
| Retained earnings to average equity (ytd only) | -7.6769% | 4,767 |
| Net charge-offs to loans | -0.0335% | 4,228 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 130.2469% | 56 |
| Assets per employee ($millions) | 3.6913% | 4,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4911% | 1,638 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 51.9008% | 3,457 |
| Net loans and leases to deposits | 59.8760% | 3,498 |
| Net loans and leases to core deposits | 64.5859% | 3,360 |
| Total domestic deposits to total assets | 86.6805% | 2,450 |
| Equity capital to assets | 11.1793% | 1,738 |
| Core capital (leverage) ratio | 10.6490% | 1,969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $21,894,000 | 4,929 |
| Average earning assets | $19,269,500 | 4,919 |
| Average equity | $2,501,000 | 4,917 |
| Average total loans | $11,951,000 | 4,830 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0798% | 2,485 |
| Cost of funding earning assets | 0.8624% | 983 |
| Net interest margin | 3.2174% | 3,313 |
| Noninterest income to average assets | 0.3540% | 3,349 |
| Noninterest expense to average assets | 3.8715% | 424 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | -0.6717% | 4,899 |
| Return on assets (ROA) | -0.6717% | 4,903 |
| Pretax return on assets | -0.6899% | 4,900 |
| Return on Equity (ROE) | -5.6688% | 4,901 |
| Retained earnings to average equity (ytd only) | -5.6688% | 4,845 |
| Net charge-offs to loans | 0.0080% | 3,042 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | -152.0000% | 3,437 |
| Efficiency ratio | 121.6833% | 75 |
| Assets per employee ($millions) | 3.6095% | 4,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4142% | 1,914 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 55.6864% | 3,330 |
| Net loans and leases to deposits | 64.5403% | 3,398 |
| Net loans and leases to core deposits | 69.7674% | 3,268 |
| Total domestic deposits to total assets | 86.2816% | 2,238 |
| Equity capital to assets | 11.7422% | 1,708 |
| Core capital (leverage) ratio | 10.5947% | 2,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $22,032,600 | 4,940 |
| Average earning assets | $19,363,600 | 4,932 |
| Average equity | $2,610,800 | 4,930 |
| Average total loans | $12,516,800 | 4,852 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0860% | 2,712 |
| Cost of funding earning assets | 0.8721% | 1,166 |
| Net interest margin | 3.2138% | 3,452 |
| Noninterest income to average assets | 0.3615% | 3,297 |
| Noninterest expense to average assets | 3.9047% | 410 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | -0.6990% | 4,917 |
| Return on assets (ROA) | -0.6990% | 4,924 |
| Pretax return on assets | -0.7231% | 4,917 |
| Return on Equity (ROE) | -5.8858% | 4,927 |
| Retained earnings to average equity (ytd only) | -5.8858% | 4,866 |
| Net charge-offs to loans | 0.0106% | 2,727 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | -120.0000% | 3,234 |
| Efficiency ratio | 122.7273% | 70 |
| Assets per employee ($millions) | 2.8039% | 4,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4527% | 1,524 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 52.3204% | 3,947 |
| Net loans and leases to deposits | 60.4886% | 4,026 |
| Net loans and leases to core deposits | 65.1928% | 3,942 |
| Total domestic deposits to total assets | 86.4964% | 1,864 |
| Equity capital to assets | 11.4886% | 2,015 |
| Core capital (leverage) ratio | 10.7295% | 2,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $22,126,500 | 4,971 |
| Average earning assets | $19,415,500 | 4,961 |
| Average equity | $2,627,750 | 4,958 |
| Average total loans | $12,587,750 | 4,878 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1988% | 2,767 |
| Cost of funding earning assets | 0.8916% | 1,410 |
| Net interest margin | 3.3072% | 3,364 |
| Noninterest income to average assets | 0.3451% | 3,408 |
| Noninterest expense to average assets | 3.9955% | 406 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -0.7355% | 4,938 |
| Return on assets (ROA) | -0.7355% | 4,935 |
| Pretax return on assets | -0.7537% | 4,929 |
| Return on Equity (ROE) | -6.1255% | 4,942 |
| Retained earnings to average equity (ytd only) | -6.1255% | 4,818 |
| Net charge-offs to loans | 0.0156% | 2,427 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | -83.0000% | 3,023 |
| Efficiency ratio | 123.2493% | 81 |
| Assets per employee ($millions) | 2.8666% | 4,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3868% | 1,635 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 53.6432% | 3,906 |
| Net loans and leases to deposits | 61.9155% | 4,010 |
| Net loans and leases to core deposits | 66.6089% | 3,948 |
| Total domestic deposits to total assets | 86.6393% | 1,757 |
| Equity capital to assets | 11.4246% | 2,022 |
| Core capital (leverage) ratio | 10.8226% | 2,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $22,025,000 | 4,999 |
| Average earning assets | $19,291,000 | 4,991 |
| Average equity | $2,644,667 | 4,989 |
| Average total loans | $12,814,000 | 4,908 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4903% | 2,335 |
| Cost of funding earning assets | 0.9364% | 1,710 |
| Net interest margin | 3.5539% | 2,809 |
| Noninterest income to average assets | 0.3709% | 3,291 |
| Noninterest expense to average assets | 4.1352% | 434 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.6490% | 4,952 |
| Return on assets (ROA) | -0.6490% | 4,928 |
| Pretax return on assets | -0.6676% | 4,915 |
| Return on Equity (ROE) | -5.2691% | 4,930 |
| Retained earnings to average equity (ytd only) | -5.2691% | 4,542 |
| Net charge-offs to loans | 0.0308% | 1,769 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | -36.0000% | 2,552 |
| Efficiency ratio | 119.2513% | 109 |
| Assets per employee ($millions) | 2.1815% | 5,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3899% | 1,738 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 56.2640% | 3,820 |
| Net loans and leases to deposits | 65.5347% | 3,893 |
| Net loans and leases to core deposits | 70.8292% | 3,823 |
| Total domestic deposits to total assets | 85.8538% | 2,056 |
| Equity capital to assets | 12.1889% | 1,928 |
| Core capital (leverage) ratio | 11.4728% | 2,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9206% | 651 |
| Memoranda: | ||
| Average total assets | $21,571,000 | 5,048 |
| Average earning assets | $18,796,000 | 5,040 |
| Average equity | $2,657,000 | 5,034 |
| Average total loans | $12,983,500 | 4,944 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6275% | 2,527 |
| Cost of funding earning assets | 0.8447% | 2,460 |
| Net interest margin | 3.7828% | 2,559 |
| Noninterest income to average assets | 0.3987% | 3,300 |
| Noninterest expense to average assets | 3.9322% | 574 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | -0.1925% | 5,020 |
| Return on assets (ROA) | -0.1925% | 5,029 |
| Pretax return on assets | -0.2291% | 5,023 |
| Return on Equity (ROE) | -1.5855% | 5,029 |
| Retained earnings to average equity (ytd only) | -1.5855% | 4,853 |
| Net charge-offs to loans | 0.0456% | 2,470 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | -8.3333% | 3,689 |
| Efficiency ratio | 106.1881% | 124 |
| Assets per employee ($millions) | 2.3697% | 5,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2870% | 1,984 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 62.5780% | 3,347 |
| Net loans and leases to deposits | 73.1208% | 3,424 |
| Net loans and leases to core deposits | 79.1953% | 3,364 |
| Total domestic deposits to total assets | 85.5817% | 2,247 |
| Equity capital to assets | 12.4490% | 1,848 |
| Core capital (leverage) ratio | 11.5001% | 2,109 |
| Tier 1 risk-based capital ratio | 20.1012% | 1,315 |
| Total risk-based capital ratio | 21.3460% | 1,286 |
| Memoranda: | ||
| Average total assets | $21,820,000 | 5,104 |
| Average earning assets | $19,059,800 | 5,096 |
| Average equity | $2,649,000 | 5,092 |
| Average total loans | $13,162,600 | 5,000 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5493% | 2,896 |
| Cost of funding earning assets | 0.8196% | 2,618 |
| Net interest margin | 3.7297% | 2,825 |
| Noninterest income to average assets | 0.4010% | 3,312 |
| Noninterest expense to average assets | 3.9191% | 583 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | -0.2248% | 5,106 |
| Return on assets (ROA) | -0.2248% | 5,112 |
| Pretax return on assets | -0.2552% | 5,113 |
| Return on Equity (ROE) | -1.8633% | 5,115 |
| Retained earnings to average equity (ytd only) | -1.8633% | 4,917 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.9652% | 116 |
| Assets per employee ($millions) | 2.1902% | 5,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3614% | 1,717 |
| Loan loss allowance to noncurrent loans | 600.0000% | 856 |
| Noncurrent assets plus other real estate owned to assets | 0.1370% | 4,043 |
| Noncurrent loans to loans | 0.2269% | 3,734 |
| Net loans and leases to total assets | 59.5471% | 3,719 |
| Net loans and leases to deposits | 69.4684% | 3,802 |
| Net loans and leases to core deposits | 75.0662% | 3,758 |
| Total domestic deposits to total assets | 85.7182% | 2,114 |
| Equity capital to assets | 12.1450% | 2,151 |
| Core capital (leverage) ratio | 11.4382% | 2,271 |
| Tier 1 risk-based capital ratio | 20.4881% | 1,290 |
| Total risk-based capital ratio | 21.7370% | 1,255 |
| Memoranda: | ||
| Average total assets | $21,943,250 | 5,178 |
| Average earning assets | $19,196,750 | 5,174 |
| Average equity | $2,647,500 | 5,168 |
| Average total loans | $13,073,250 | 5,082 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4921% | 3,040 |
| Cost of funding earning assets | 0.7608% | 2,841 |
| Net interest margin | 3.7312% | 2,826 |
| Noninterest income to average assets | 0.3735% | 3,447 |
| Noninterest expense to average assets | 3.9076% | 595 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -0.2368% | 5,155 |
| Return on assets (ROA) | -0.2368% | 5,161 |
| Pretax return on assets | -0.2733% | 5,164 |
| Return on Equity (ROE) | -1.9672% | 5,162 |
| Retained earnings to average equity (ytd only) | -1.9672% | 4,904 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.5188% | 111 |
| Assets per employee ($millions) | 2.2362% | 5,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3739% | 1,720 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,579 |
| Noncurrent assets plus other real estate owned to assets | 0.2683% | 3,485 |
| Noncurrent loans to loans | 0.4580% | 2,907 |
| Net loans and leases to total assets | 57.7811% | 3,937 |
| Net loans and leases to deposits | 67.2408% | 4,010 |
| Net loans and leases to core deposits | 72.5247% | 3,974 |
| Total domestic deposits to total assets | 85.9315% | 2,067 |
| Equity capital to assets | 11.9175% | 2,255 |
| Core capital (leverage) ratio | 11.1745% | 2,438 |
| Tier 1 risk-based capital ratio | 20.3145% | 1,288 |
| Total risk-based capital ratio | 21.5629% | 1,257 |
| Memoranda: | ||
| Average total assets | $21,957,000 | 5,224 |
| Average earning assets | $19,189,330 | 5,222 |
| Average equity | $2,643,330 | 5,209 |
| Average total loans | $13,023,670 | 5,128 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3944% | 3,249 |
| Cost of funding earning assets | 0.6098% | 3,513 |
| Net interest margin | 3.7847% | 2,585 |
| Noninterest income to average assets | 0.3861% | 3,285 |
| Noninterest expense to average assets | 3.9164% | 591 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -0.1839% | 5,202 |
| Return on assets (ROA) | -0.1839% | 5,199 |
| Pretax return on assets | -0.2206% | 5,201 |
| Return on Equity (ROE) | -1.5195% | 5,207 |
| Retained earnings to average equity (ytd only) | -1.5195% | 4,708 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.9701% | 126 |
| Assets per employee ($millions) | 2.2159% | 5,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3861% | 1,728 |
| Loan loss allowance to noncurrent loans | 782.6087% | 745 |
| Noncurrent assets plus other real estate owned to assets | 0.1038% | 4,294 |
| Noncurrent loans to loans | 0.1771% | 3,961 |
| Net loans and leases to total assets | 57.7914% | 3,910 |
| Net loans and leases to deposits | 67.1385% | 3,970 |
| Net loans and leases to core deposits | 70.0777% | 4,079 |
| Total domestic deposits to total assets | 86.0779% | 2,244 |
| Equity capital to assets | 11.9590% | 2,041 |
| Core capital (leverage) ratio | 11.7691% | 1,926 |
| Tier 1 risk-based capital ratio | 20.8012% | 1,201 |
| Total risk-based capital ratio | 22.0489% | 1,173 |
| Memoranda: | ||
| Average total assets | $21,754,500 | 5,282 |
| Average earning assets | $19,024,000 | 5,279 |
| Average equity | $2,632,500 | 5,267 |
| Average total loans | $12,985,000 | 5,190 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3957% | 2,775 |
| Cost of funding earning assets | 0.6332% | 2,501 |
| Net interest margin | 3.7625% | 2,812 |
| Noninterest income to average assets | 0.4387% | 3,178 |
| Noninterest expense to average assets | 3.9526% | 571 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | -0.1965% | 5,273 |
| Return on assets (ROA) | -0.1965% | 5,270 |
| Pretax return on assets | -0.2285% | 5,268 |
| Return on Equity (ROE) | -1.7250% | 5,269 |
| Retained earnings to average equity (ytd only) | -1.7250% | 5,115 |
| Net charge-offs to loans | -0.0076% | 4,430 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.1350% | 102 |
| Assets per employee ($millions) | 2.3694% | 5,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3863% | 1,692 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 60.0422% | 3,772 |
| Net loans and leases to deposits | 70.9088% | 3,754 |
| Net loans and leases to core deposits | 74.1960% | 3,835 |
| Total domestic deposits to total assets | 84.6753% | 2,775 |
| Equity capital to assets | 12.1454% | 1,789 |
| Core capital (leverage) ratio | 11.7702% | 1,897 |
| Tier 1 risk-based capital ratio | 21.4346% | 1,107 |
| Total risk-based capital ratio | 22.6865% | 1,085 |
| Memoranda: | ||
| Average total assets | $21,884,200 | 5,325 |
| Average earning assets | $19,109,400 | 5,323 |
| Average equity | $2,492,800 | 5,321 |
| Average total loans | $13,118,400 | 5,229 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3477% | 2,797 |
| Cost of funding earning assets | 0.6389% | 2,215 |
| Net interest margin | 3.7087% | 2,988 |
| Noninterest income to average assets | 0.4601% | 3,099 |
| Noninterest expense to average assets | 3.9471% | 561 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | -0.2240% | 5,347 |
| Return on assets (ROA) | -0.2240% | 5,346 |
| Pretax return on assets | -0.2543% | 5,351 |
| Return on Equity (ROE) | -1.9984% | 5,351 |
| Retained earnings to average equity (ytd only) | -1.9984% | 5,197 |
| Net charge-offs to loans | -0.0101% | 4,406 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.8852% | 100 |
| Assets per employee ($millions) | 2.4213% | 5,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3987% | 1,707 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1193% | 4,377 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 58.2278% | 4,017 |
| Net loans and leases to deposits | 68.5040% | 4,022 |
| Net loans and leases to core deposits | 71.5962% | 4,100 |
| Total domestic deposits to total assets | 84.9991% | 2,606 |
| Equity capital to assets | 11.7887% | 2,040 |
| Core capital (leverage) ratio | 11.8242% | 1,899 |
| Tier 1 risk-based capital ratio | 21.4957% | 1,115 |
| Total risk-based capital ratio | 22.7463% | 1,096 |
| Memoranda: | ||
| Average total assets | $22,024,000 | 5,395 |
| Average earning assets | $19,197,500 | 5,393 |
| Average equity | $2,468,500 | 5,390 |
| Average total loans | $13,152,000 | 5,296 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3343% | 2,647 |
| Cost of funding earning assets | 0.6236% | 2,085 |
| Net interest margin | 3.7106% | 2,883 |
| Noninterest income to average assets | 0.4434% | 3,198 |
| Noninterest expense to average assets | 3.9907% | 540 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -0.2805% | 5,409 |
| Return on assets (ROA) | -0.2805% | 5,402 |
| Pretax return on assets | -0.3167% | 5,409 |
| Return on Equity (ROE) | -2.5462% | 5,406 |
| Retained earnings to average equity (ytd only) | -2.5462% | 5,191 |
| Net charge-offs to loans | -0.0151% | 4,463 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.6207% | 104 |
| Assets per employee ($millions) | 2.1824% | 5,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4327% | 1,632 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1191% | 4,396 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 56.7449% | 4,101 |
| Net loans and leases to deposits | 65.3302% | 4,206 |
| Net loans and leases to core deposits | 68.2089% | 4,244 |
| Total domestic deposits to total assets | 86.8585% | 1,897 |
| Equity capital to assets | 10.9787% | 2,655 |
| Core capital (leverage) ratio | 10.6002% | 2,923 |
| Tier 1 risk-based capital ratio | 20.1723% | 1,293 |
| Total risk-based capital ratio | 21.4176% | 1,267 |
| Memoranda: | ||
| Average total assets | $22,101,330 | 5,458 |
| Average earning assets | $19,242,000 | 5,455 |
| Average equity | $2,435,000 | 5,452 |
| Average total loans | $13,246,330 | 5,352 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2454% | 2,727 |
| Cost of funding earning assets | 0.6213% | 1,908 |
| Net interest margin | 3.6241% | 3,094 |
| Noninterest income to average assets | 0.4496% | 3,112 |
| Noninterest expense to average assets | 4.0288% | 511 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.3957% | 5,482 |
| Return on assets (ROA) | -0.3957% | 5,479 |
| Pretax return on assets | -0.4317% | 5,487 |
| Return on Equity (ROE) | -3.5853% | 5,481 |
| Retained earnings to average equity (ytd only) | -3.5853% | 5,118 |
| Net charge-offs to loans | -0.0294% | 4,729 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.0000% | 90 |
| Assets per employee ($millions) | 2.2308% | 5,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3291% | 2,107 |
| Loan loss allowance to noncurrent loans | 750.0000% | 769 |
| Noncurrent assets plus other real estate owned to assets | 0.2241% | 3,981 |
| Noncurrent loans to loans | 0.1772% | 4,175 |
| Net loans and leases to total assets | 59.9023% | 3,756 |
| Net loans and leases to deposits | 68.8424% | 3,892 |
| Net loans and leases to core deposits | 71.8016% | 3,980 |
| Total domestic deposits to total assets | 87.0136% | 2,115 |
| Equity capital to assets | 10.9557% | 2,630 |
| Core capital (leverage) ratio | 11.2718% | 2,190 |
| Tier 1 risk-based capital ratio | 20.0303% | 1,337 |
| Total risk-based capital ratio | 21.2757% | 1,309 |
| Memoranda: | ||
| Average total assets | $22,240,000 | 5,517 |
| Average earning assets | $19,315,000 | 5,514 |
| Average equity | $2,454,500 | 5,512 |
| Average total loans | $13,587,500 | 5,408 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3099% | 2,290 |
| Cost of funding earning assets | 0.5716% | 1,814 |
| Net interest margin | 3.7383% | 2,640 |
| Noninterest income to average assets | 0.4383% | 3,388 |
| Noninterest expense to average assets | 3.8648% | 645 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -0.1240% | 5,424 |
| Return on assets (ROA) | -0.1240% | 5,427 |
| Pretax return on assets | -0.1549% | 5,485 |
| Return on Equity (ROE) | -1.0920% | 5,433 |
| Retained earnings to average equity (ytd only) | -1.0920% | 5,197 |
| Net charge-offs to loans | 0.0510% | 2,776 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | -5.0000% | 4,070 |
| Efficiency ratio | 104.1766% | 132 |
| Assets per employee ($millions) | 2.2246% | 5,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3131% | 2,159 |
| Loan loss allowance to noncurrent loans | 688.4615% | 853 |
| Noncurrent assets plus other real estate owned to assets | 0.1169% | 4,551 |
| Noncurrent loans to loans | 0.1907% | 4,153 |
| Net loans and leases to total assets | 60.4738% | 3,786 |
| Net loans and leases to deposits | 69.8422% | 3,891 |
| Net loans and leases to core deposits | 72.4760% | 4,017 |
| Total domestic deposits to total assets | 86.5864% | 2,196 |
| Equity capital to assets | 11.4088% | 2,274 |
| Core capital (leverage) ratio | 11.8108% | 1,717 |
| Tier 1 risk-based capital ratio | 18.8039% | 1,558 |
| Total risk-based capital ratio | 20.0507% | 1,520 |
| Memoranda: | ||
| Average total assets | $22,588,200 | 5,578 |
| Average earning assets | $19,768,400 | 5,568 |
| Average equity | $2,564,000 | 5,565 |
| Average total loans | $13,724,200 | 5,471 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3261% | 2,193 |
| Cost of funding earning assets | 0.5710% | 1,733 |
| Net interest margin | 3.7551% | 2,560 |
| Noninterest income to average assets | 0.4410% | 3,394 |
| Noninterest expense to average assets | 3.8634% | 626 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -0.1058% | 5,554 |
| Return on assets (ROA) | -0.1058% | 5,555 |
| Pretax return on assets | -0.1353% | 5,560 |
| Return on Equity (ROE) | -0.9337% | 5,557 |
| Retained earnings to average equity (ytd only) | -0.9337% | 5,343 |
| Net charge-offs to loans | 0.0582% | 2,293 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | -3.8338% | 3,749 |
| Efficiency ratio | 103.6278% | 139 |
| Assets per employee ($millions) | 2.1882% | 5,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3327% | 2,192 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 60.8994% | 3,777 |
| Net loans and leases to deposits | 71.6336% | 3,810 |
| Net loans and leases to core deposits | 74.4345% | 3,939 |
| Total domestic deposits to total assets | 85.0151% | 2,704 |
| Equity capital to assets | 11.7768% | 2,127 |
| Core capital (leverage) ratio | 11.6929% | 1,893 |
| Tier 1 risk-based capital ratio | 18.3730% | 1,764 |
| Total risk-based capital ratio | 19.6218% | 1,715 |
| Memoranda: | ||
| Average total assets | $22,673,750 | 5,640 |
| Average earning assets | $19,848,000 | 5,634 |
| Average equity | $2,570,500 | 5,626 |
| Average total loans | $13,747,250 | 5,532 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3151% | 2,077 |
| Cost of funding earning assets | 0.5667% | 1,670 |
| Net interest margin | 3.7484% | 2,476 |
| Noninterest income to average assets | 0.3924% | 3,736 |
| Noninterest expense to average assets | 3.8714% | 616 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -0.1657% | 5,609 |
| Return on assets (ROA) | -0.1657% | 5,610 |
| Pretax return on assets | -0.1918% | 5,606 |
| Return on Equity (ROE) | -1.4796% | 5,605 |
| Retained earnings to average equity (ytd only) | -1.4796% | 5,288 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.2133% | 136 |
| Assets per employee ($millions) | 2.5012% | 5,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3530% | 2,158 |
| Loan loss allowance to noncurrent loans | 413.3333% | 1,225 |
| Noncurrent assets plus other real estate owned to assets | 0.1999% | 4,367 |
| Noncurrent loans to loans | 0.3273% | 3,864 |
| Net loans and leases to total assets | 60.2417% | 3,821 |
| Net loans and leases to deposits | 70.6302% | 3,861 |
| Net loans and leases to core deposits | 73.3027% | 3,995 |
| Total domestic deposits to total assets | 85.2916% | 2,697 |
| Equity capital to assets | 11.4655% | 2,343 |
| Core capital (leverage) ratio | 10.4500% | 2,980 |
| Tier 1 risk-based capital ratio | 20.1845% | 1,329 |
| Total risk-based capital ratio | 21.4393% | 1,303 |
| Memoranda: | ||
| Average total assets | $22,937,670 | 5,682 |
| Average earning assets | $20,115,330 | 5,676 |
| Average equity | $2,568,330 | 5,674 |
| Average total loans | $13,827,670 | 5,576 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1746% | 2,363 |
| Cost of funding earning assets | 0.5514% | 1,705 |
| Net interest margin | 3.6232% | 2,808 |
| Noninterest income to average assets | 0.3801% | 3,807 |
| Noninterest expense to average assets | 3.8875% | 610 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.2937% | 5,697 |
| Return on assets (ROA) | -0.2937% | 5,697 |
| Pretax return on assets | -0.3283% | 5,691 |
| Return on Equity (ROE) | -2.6542% | 5,699 |
| Retained earnings to average equity (ytd only) | -2.6542% | 5,233 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.2233% | 133 |
| Assets per employee ($millions) | 2.6013% | 5,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3215% | 2,434 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 59.3243% | 3,853 |
| Net loans and leases to deposits | 68.0566% | 3,983 |
| Net loans and leases to core deposits | 70.4739% | 4,112 |
| Total domestic deposits to total assets | 87.1690% | 2,128 |
| Equity capital to assets | 10.9559% | 2,681 |
| Core capital (leverage) ratio | 10.4240% | 2,988 |
| Tier 1 risk-based capital ratio | 18.7660% | 1,674 |
| Total risk-based capital ratio | 20.0201% | 1,630 |
| Memoranda: | ||
| Average total assets | $23,151,000 | 5,748 |
| Average earning assets | $20,313,500 | 5,743 |
| Average equity | $2,562,000 | 5,738 |
| Average total loans | $13,868,000 | 5,640 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1889% | 2,523 |
| Cost of funding earning assets | 0.6923% | 842 |
| Net interest margin | 3.4967% | 3,442 |
| Noninterest income to average assets | 0.4710% | 3,402 |
| Noninterest expense to average assets | 3.8296% | 755 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -0.2861% | 5,738 |
| Return on assets (ROA) | -0.2861% | 5,749 |
| Pretax return on assets | -0.3125% | 5,743 |
| Return on Equity (ROE) | -2.4642% | 5,744 |
| Retained earnings to average equity (ytd only) | -2.4642% | 5,561 |
| Net charge-offs to loans | 0.1985% | 1,395 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | -2.6296% | 4,200 |
| Efficiency ratio | 108.8861% | 136 |
| Assets per employee ($millions) | 2.5437% | 5,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3615% | 2,261 |
| Loan loss allowance to noncurrent loans | 1,860.0000% | 351 |
| Noncurrent assets plus other real estate owned to assets | 0.0437% | 5,172 |
| Noncurrent loans to loans | 0.0732% | 4,947 |
| Net loans and leases to total assets | 58.8608% | 3,980 |
| Net loans and leases to deposits | 67.7340% | 4,102 |
| Net loans and leases to core deposits | 70.2042% | 4,223 |
| Total domestic deposits to total assets | 86.8999% | 2,201 |
| Equity capital to assets | 11.1912% | 2,428 |
| Core capital (leverage) ratio | 10.3849% | 3,008 |
| Tier 1 risk-based capital ratio | 18.8499% | 1,635 |
| Total risk-based capital ratio | 20.1081% | 1,596 |
| Memoranda: | ||
| Average total assets | $22,718,000 | 5,809 |
| Average earning assets | $19,790,200 | 5,802 |
| Average equity | $2,637,800 | 5,789 |
| Average total loans | $13,602,400 | 5,694 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1979% | 2,524 |
| Cost of funding earning assets | 0.7233% | 730 |
| Net interest margin | 3.4746% | 3,561 |
| Noninterest income to average assets | 0.4880% | 3,335 |
| Noninterest expense to average assets | 3.8574% | 707 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.3234% | 5,831 |
| Return on assets (ROA) | -0.3234% | 5,838 |
| Pretax return on assets | -0.3469% | 5,828 |
| Return on Equity (ROE) | -2.7601% | 5,831 |
| Retained earnings to average equity (ytd only) | -2.7601% | 5,638 |
| Net charge-offs to loans | 0.1178% | 1,773 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | -4.9163% | 3,895 |
| Efficiency ratio | 109.8827% | 123 |
| Assets per employee ($millions) | 2.5859% | 5,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4199% | 2,111 |
| Loan loss allowance to noncurrent loans | 1,340.0000% | 440 |
| Noncurrent assets plus other real estate owned to assets | 0.0645% | 5,185 |
| Noncurrent loans to loans | 0.1060% | 4,918 |
| Net loans and leases to total assets | 59.9622% | 3,884 |
| Net loans and leases to deposits | 69.2762% | 4,041 |
| Net loans and leases to core deposits | 71.7702% | 4,179 |
| Total domestic deposits to total assets | 86.5552% | 2,105 |
| Equity capital to assets | 11.3436% | 2,662 |
| Core capital (leverage) ratio | 10.8448% | 2,630 |
| Tier 1 risk-based capital ratio | 19.7258% | 1,496 |
| Total risk-based capital ratio | 20.9771% | 1,462 |
| Memoranda: | ||
| Average total assets | $22,674,250 | 5,870 |
| Average earning assets | $19,723,500 | 5,868 |
| Average equity | $2,656,750 | 5,850 |
| Average total loans | $13,587,750 | 5,758 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2177% | 2,456 |
| Cost of funding earning assets | 0.7407% | 663 |
| Net interest margin | 3.4771% | 3,577 |
| Noninterest income to average assets | 0.4360% | 3,631 |
| Noninterest expense to average assets | 3.9066% | 673 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.4360% | 5,908 |
| Return on assets (ROA) | -0.4360% | 5,915 |
| Pretax return on assets | -0.4627% | 5,916 |
| Return on Equity (ROE) | -3.6810% | 5,913 |
| Retained earnings to average equity (ytd only) | -3.6810% | 5,684 |
| Net charge-offs to loans | 0.1791% | 1,268 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | -4.3333% | 3,624 |
| Efficiency ratio | 113.4367% | 122 |
| Assets per employee ($millions) | 2.2971% | 5,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4699% | 1,985 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 58.6522% | 4,054 |
| Net loans and leases to deposits | 68.1315% | 4,170 |
| Net loans and leases to core deposits | 70.6317% | 4,283 |
| Total domestic deposits to total assets | 86.0868% | 2,377 |
| Equity capital to assets | 11.5276% | 2,516 |
| Core capital (leverage) ratio | 10.7177% | 2,727 |
| Tier 1 risk-based capital ratio | 19.9560% | 1,468 |
| Total risk-based capital ratio | 21.2190% | 1,425 |
| Memoranda: | ||
| Average total assets | $22,474,670 | 5,945 |
| Average earning assets | $19,441,670 | 5,948 |
| Average equity | $2,662,330 | 5,922 |
| Average total loans | $13,398,330 | 5,831 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2358% | 2,344 |
| Cost of funding earning assets | 0.7512% | 631 |
| Net interest margin | 3.4846% | 3,536 |
| Noninterest income to average assets | 0.4319% | 3,601 |
| Noninterest expense to average assets | 3.9232% | 669 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.4679% | 5,955 |
| Return on assets (ROA) | -0.4679% | 5,964 |
| Pretax return on assets | -0.4859% | 5,958 |
| Return on Equity (ROE) | -3.8959% | 5,959 |
| Retained earnings to average equity (ytd only) | -3.8959% | 5,544 |
| Net charge-offs to loans | 0.3318% | 668 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -2.4545% | 3,025 |
| Efficiency ratio | 114.1361% | 134 |
| Assets per employee ($millions) | 2.2638% | 5,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4901% | 2,032 |
| Loan loss allowance to noncurrent loans | 5,075.0000% | 149 |
| Noncurrent assets plus other real estate owned to assets | 0.0177% | 5,578 |
| Noncurrent loans to loans | 0.0294% | 5,375 |
| Net loans and leases to total assets | 59.2809% | 3,878 |
| Net loans and leases to deposits | 68.9301% | 3,962 |
| Net loans and leases to core deposits | 71.5009% | 4,101 |
| Total domestic deposits to total assets | 86.0014% | 2,668 |
| Equity capital to assets | 11.7634% | 2,186 |
| Core capital (leverage) ratio | 11.0822% | 2,333 |
| Tier 1 risk-based capital ratio | 20.1812% | 1,465 |
| Total risk-based capital ratio | 21.4461% | 1,434 |
| Memoranda: | ||
| Average total assets | $22,226,500 | 6,012 |
| Average earning assets | $19,170,000 | 6,011 |
| Average equity | $2,669,500 | 5,975 |
| Average total loans | $13,260,500 | 5,893 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0895% | 2,963 |
| Cost of funding earning assets | 0.7582% | 615 |
| Net interest margin | 3.3312% | 4,179 |
| Noninterest income to average assets | 0.4784% | 3,473 |
| Noninterest expense to average assets | 3.6381% | 1,058 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.2458% | 5,980 |
| Return on assets (ROA) | -0.2458% | 5,988 |
| Pretax return on assets | -0.2677% | 5,980 |
| Return on Equity (ROE) | -2.0874% | 5,984 |
| Retained earnings to average equity (ytd only) | -2.0874% | 5,757 |
| Net charge-offs to loans | 0.0474% | 3,263 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | -10.1667% | 4,422 |
| Efficiency ratio | 107.9427% | 159 |
| Assets per employee ($millions) | 2.1795% | 6,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6514% | 1,467 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 58.2014% | 4,055 |
| Net loans and leases to deposits | 67.9833% | 4,131 |
| Net loans and leases to core deposits | 70.6331% | 4,257 |
| Total domestic deposits to total assets | 85.6114% | 2,811 |
| Equity capital to assets | 12.1909% | 1,819 |
| Core capital (leverage) ratio | 10.9792% | 2,427 |
| Tier 1 risk-based capital ratio | 20.9978% | 1,302 |
| Total risk-based capital ratio | 22.2683% | 1,275 |
| Memoranda: | ||
| Average total assets | $22,786,400 | 6,061 |
| Average earning assets | $19,782,400 | 6,062 |
| Average equity | $2,682,800 | 6,034 |
| Average total loans | $12,670,800 | 5,959 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0459% | 3,144 |
| Cost of funding earning assets | 0.7507% | 643 |
| Net interest margin | 3.2952% | 4,371 |
| Noninterest income to average assets | 0.4804% | 3,499 |
| Noninterest expense to average assets | 3.6235% | 1,076 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.2489% | 6,063 |
| Return on assets (ROA) | -0.2489% | 6,081 |
| Pretax return on assets | -0.2720% | 6,079 |
| Return on Equity (ROE) | -2.1318% | 6,071 |
| Retained earnings to average equity (ytd only) | -2.1318% | 5,869 |
| Net charge-offs to loans | -0.0634% | 5,625 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.1174% | 164 |
| Assets per employee ($millions) | 2.0784% | 6,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7558% | 1,352 |
| Loan loss allowance to noncurrent loans | 450.0000% | 1,121 |
| Noncurrent assets plus other real estate owned to assets | 0.2187% | 4,891 |
| Noncurrent loans to loans | 0.3902% | 4,217 |
| Net loans and leases to total assets | 55.0695% | 4,457 |
| Net loans and leases to deposits | 64.0941% | 4,553 |
| Net loans and leases to core deposits | 66.4625% | 4,655 |
| Total domestic deposits to total assets | 85.9199% | 2,573 |
| Equity capital to assets | 11.7181% | 2,332 |
| Core capital (leverage) ratio | 11.6688% | 1,907 |
| Tier 1 risk-based capital ratio | 22.6204% | 1,105 |
| Total risk-based capital ratio | 23.8766% | 1,084 |
| Memoranda: | ||
| Average total assets | $23,034,250 | 6,143 |
| Average earning assets | $20,069,250 | 6,145 |
| Average equity | $2,689,250 | 6,116 |
| Average total loans | $12,614,000 | 6,040 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0481% | 3,084 |
| Cost of funding earning assets | 0.7578% | 616 |
| Net interest margin | 3.2903% | 4,336 |
| Noninterest income to average assets | 0.4677% | 3,576 |
| Noninterest expense to average assets | 3.5857% | 1,157 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.2339% | 6,117 |
| Return on assets (ROA) | -0.2339% | 6,135 |
| Pretax return on assets | -0.2598% | 6,132 |
| Return on Equity (ROE) | -2.0054% | 6,130 |
| Retained earnings to average equity (ytd only) | -2.0054% | 5,828 |
| Net charge-offs to loans | -0.0797% | 5,701 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.8125% | 201 |
| Assets per employee ($millions) | 2.8351% | 5,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7580% | 1,475 |
| Loan loss allowance to noncurrent loans | 439.2157% | 1,155 |
| Noncurrent assets plus other real estate owned to assets | 0.2425% | 4,905 |
| Noncurrent loans to loans | 0.4003% | 4,279 |
| Net loans and leases to total assets | 55.1916% | 4,427 |
| Net loans and leases to deposits | 64.4129% | 4,496 |
| Net loans and leases to core deposits | 66.8197% | 4,586 |
| Total domestic deposits to total assets | 85.6841% | 2,845 |
| Equity capital to assets | 11.8381% | 2,145 |
| Core capital (leverage) ratio | 10.8656% | 2,553 |
| Tier 1 risk-based capital ratio | 21.7614% | 1,238 |
| Total risk-based capital ratio | 23.0195% | 1,224 |
| Memoranda: | ||
| Average total assets | $23,091,670 | 6,214 |
| Average earning assets | $20,059,000 | 6,218 |
| Average equity | $2,692,670 | 6,181 |
| Average total loans | $12,547,000 | 6,109 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9562% | 3,392 |
| Cost of funding earning assets | 0.7517% | 650 |
| Net interest margin | 3.2045% | 4,595 |
| Noninterest income to average assets | 0.3949% | 4,049 |
| Noninterest expense to average assets | 3.5884% | 1,153 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.3949% | 6,213 |
| Return on assets (ROA) | -0.3949% | 6,230 |
| Pretax return on assets | -0.4121% | 6,223 |
| Return on Equity (ROE) | -3.4118% | 6,227 |
| Retained earnings to average equity (ytd only) | -3.4118% | 5,825 |
| Net charge-offs to loans | -0.0964% | 5,843 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.9730% | 172 |
| Assets per employee ($millions) | 2.3327% | 6,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7384% | 1,644 |
| Loan loss allowance to noncurrent loans | 462.5000% | 1,076 |
| Noncurrent assets plus other real estate owned to assets | 0.2229% | 5,046 |
| Noncurrent loans to loans | 0.3759% | 4,464 |
| Net loans and leases to total assets | 53.7917% | 4,471 |
| Net loans and leases to deposits | 62.4994% | 4,525 |
| Net loans and leases to core deposits | 64.7572% | 4,629 |
| Total domestic deposits to total assets | 86.0676% | 2,906 |
| Equity capital to assets | 11.5831% | 2,391 |
| Core capital (leverage) ratio | 11.6671% | 1,875 |
| Tier 1 risk-based capital ratio | 23.4399% | 1,053 |
| Total risk-based capital ratio | 24.6965% | 1,028 |
| Memoranda: | ||
| Average total assets | $23,297,000 | 6,276 |
| Average earning assets | $20,221,500 | 6,279 |
| Average equity | $2,696,500 | 6,244 |
| Average total loans | $12,449,500 | 6,165 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8483% | 4,329 |
| Cost of funding earning assets | 0.7448% | 868 |
| Net interest margin | 3.1034% | 5,198 |
| Noninterest income to average assets | 0.4712% | 3,701 |
| Noninterest expense to average assets | 3.5169% | 1,449 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.3513% | 6,255 |
| Return on assets (ROA) | -0.3513% | 6,249 |
| Pretax return on assets | -0.3684% | 6,243 |
| Return on Equity (ROE) | -3.1422% | 6,255 |
| Retained earnings to average equity (ytd only) | -3.1422% | 6,100 |
| Net charge-offs to loans | -0.1846% | 6,247 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.7007% | 196 |
| Assets per employee ($millions) | 2.5744% | 6,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8056% | 1,518 |
| Loan loss allowance to noncurrent loans | 456.2500% | 1,144 |
| Noncurrent assets plus other real estate owned to assets | 0.2244% | 5,127 |
| Noncurrent loans to loans | 0.3957% | 4,456 |
| Net loans and leases to total assets | 51.4027% | 4,841 |
| Net loans and leases to deposits | 59.4519% | 4,949 |
| Net loans and leases to core deposits | 61.6045% | 5,032 |
| Total domestic deposits to total assets | 86.4609% | 2,594 |
| Equity capital to assets | 11.1955% | 2,701 |
| Core capital (leverage) ratio | 11.1229% | 2,289 |
| Tier 1 risk-based capital ratio | 20.7204% | 1,466 |
| Total risk-based capital ratio | 21.9735% | 1,437 |
| Memoranda: | ||
| Average total assets | $23,344,400 | 6,365 |
| Average earning assets | $20,139,000 | 6,366 |
| Average equity | $2,609,600 | 6,332 |
| Average total loans | $11,376,400 | 6,271 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8260% | 4,448 |
| Cost of funding earning assets | 0.7427% | 931 |
| Net interest margin | 3.0833% | 5,302 |
| Noninterest income to average assets | 0.4618% | 3,800 |
| Noninterest expense to average assets | 3.5174% | 1,435 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.3876% | 6,337 |
| Return on assets (ROA) | -0.3876% | 6,339 |
| Pretax return on assets | -0.4047% | 6,330 |
| Return on Equity (ROE) | -3.4689% | 6,333 |
| Retained earnings to average equity (ytd only) | -3.4689% | 6,176 |
| Net charge-offs to loans | -0.2026% | 6,315 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.0037% | 191 |
| Assets per employee ($millions) | 2.5902% | 6,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8390% | 1,603 |
| Loan loss allowance to noncurrent loans | 298.6111% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 0.3260% | 4,969 |
| Noncurrent loans to loans | 0.6159% | 4,078 |
| Net loans and leases to total assets | 49.2279% | 5,087 |
| Net loans and leases to deposits | 57.0264% | 5,172 |
| Net loans and leases to core deposits | 59.0815% | 5,256 |
| Total domestic deposits to total assets | 86.3246% | 2,686 |
| Equity capital to assets | 11.1788% | 2,789 |
| Core capital (leverage) ratio | 11.1256% | 2,372 |
| Tier 1 risk-based capital ratio | 21.9045% | 1,276 |
| Total risk-based capital ratio | 23.1643% | 1,255 |
| Memoranda: | ||
| Average total assets | $23,388,000 | 6,440 |
| Average earning assets | $20,107,500 | 6,444 |
| Average equity | $2,613,500 | 6,404 |
| Average total loans | $11,188,250 | 6,348 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7255% | 4,780 |
| Cost of funding earning assets | 0.7332% | 1,003 |
| Net interest margin | 2.9923% | 5,547 |
| Noninterest income to average assets | 0.4613% | 3,781 |
| Noninterest expense to average assets | 3.5279% | 1,426 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.4698% | 6,427 |
| Return on assets (ROA) | -0.4698% | 6,424 |
| Pretax return on assets | -0.4869% | 6,417 |
| Return on Equity (ROE) | -4.2049% | 6,415 |
| Retained earnings to average equity (ytd only) | -4.2049% | 6,191 |
| Net charge-offs to loans | -0.2722% | 6,410 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.0112% | 179 |
| Assets per employee ($millions) | 2.6572% | 6,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9653% | 1,426 |
| Loan loss allowance to noncurrent loans | 926.0870% | 549 |
| Noncurrent assets plus other real estate owned to assets | 0.0962% | 5,862 |
| Noncurrent loans to loans | 0.2122% | 5,381 |
| Net loans and leases to total assets | 44.4282% | 5,507 |
| Net loans and leases to deposits | 50.5760% | 5,595 |
| Net loans and leases to core deposits | 52.3193% | 5,650 |
| Total domestic deposits to total assets | 87.8444% | 2,003 |
| Equity capital to assets | 10.9471% | 2,928 |
| Core capital (leverage) ratio | 11.1752% | 2,271 |
| Tier 1 risk-based capital ratio | 20.8350% | 1,479 |
| Total risk-based capital ratio | 22.0906% | 1,457 |
| Memoranda: | ||
| Average total assets | $23,413,330 | 6,505 |
| Average earning assets | $20,185,330 | 6,509 |
| Average equity | $2,616,000 | 6,460 |
| Average total loans | $11,020,670 | 6,412 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8407% | 4,318 |
| Cost of funding earning assets | 0.7201% | 1,123 |
| Net interest margin | 3.1205% | 5,173 |
| Noninterest income to average assets | 0.4663% | 3,662 |
| Noninterest expense to average assets | 3.6266% | 1,260 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.4490% | 6,452 |
| Return on assets (ROA) | -0.4490% | 6,456 |
| Pretax return on assets | -0.4663% | 6,447 |
| Return on Equity (ROE) | -3.9771% | 6,443 |
| Retained earnings to average equity (ytd only) | -3.9771% | 6,061 |
| Net charge-offs to loans | -0.4320% | 6,531 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.7541% | 226 |
| Assets per employee ($millions) | 2.5719% | 6,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8863% | 1,798 |
| Loan loss allowance to noncurrent loans | 446.8085% | 1,038 |
| Noncurrent assets plus other real estate owned to assets | 0.3370% | 5,136 |
| Noncurrent loans to loans | 0.4222% | 4,872 |
| Net loans and leases to total assets | 47.1897% | 5,213 |
| Net loans and leases to deposits | 53.8955% | 5,298 |
| Net loans and leases to core deposits | 55.8236% | 5,369 |
| Total domestic deposits to total assets | 87.5578% | 2,478 |
| Equity capital to assets | 11.2887% | 2,442 |
| Core capital (leverage) ratio | 11.3244% | 2,111 |
| Tier 1 risk-based capital ratio | 21.8691% | 1,313 |
| Total risk-based capital ratio | 23.1239% | 1,286 |
| Memoranda: | ||
| Average total assets | $23,162,500 | 6,582 |
| Average earning assets | $19,996,500 | 6,578 |
| Average equity | $2,615,000 | 6,519 |
| Average total loans | $11,112,000 | 6,480 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7242% | 5,052 |
| Cost of funding earning assets | 0.8457% | 967 |
| Net interest margin | 2.8785% | 5,826 |
| Noninterest income to average assets | 1.1326% | 1,095 |
| Noninterest expense to average assets | 3.5970% | 1,455 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.1195% | 6,003 |
| Return on assets (ROA) | 0.1195% | 6,065 |
| Pretax return on assets | 0.0354% | 6,178 |
| Return on Equity (ROE) | 1.0779% | 6,067 |
| Retained earnings to average equity (ytd only) | 1.0779% | 5,351 |
| Net charge-offs to loans | 0.8052% | 779 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 0.0964% | 5,058 |
| Efficiency ratio | 99.0256% | 508 |
| Assets per employee ($millions) | 2.5753% | 6,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7852% | 2,110 |
| Loan loss allowance to noncurrent loans | 3,960.0000% | 168 |
| Noncurrent assets plus other real estate owned to assets | 0.1553% | 5,850 |
| Noncurrent loans to loans | 0.0451% | 6,102 |
| Net loans and leases to total assets | 46.9972% | 5,397 |
| Net loans and leases to deposits | 53.6918% | 5,494 |
| Net loans and leases to core deposits | 55.6106% | 5,566 |
| Total domestic deposits to total assets | 87.5313% | 2,458 |
| Equity capital to assets | 11.2909% | 2,349 |
| Core capital (leverage) ratio | 11.7022% | 1,823 |
| Tier 1 risk-based capital ratio | 21.0534% | 1,408 |
| Total risk-based capital ratio | 22.3042% | 1,389 |
| Memoranda: | ||
| Average total assets | $22,602,400 | 6,666 |
| Average earning assets | $19,628,400 | 6,664 |
| Average equity | $2,504,800 | 6,628 |
| Average total loans | $10,308,000 | 6,575 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6846% | 5,206 |
| Cost of funding earning assets | 0.8682% | 958 |
| Net interest margin | 2.8164% | 5,989 |
| Noninterest income to average assets | 0.6946% | 2,638 |
| Noninterest expense to average assets | 3.5858% | 1,426 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.4275% | 6,574 |
| Return on assets (ROA) | -0.4275% | 6,586 |
| Pretax return on assets | -0.4453% | 6,574 |
| Return on Equity (ROE) | -3.8760% | 6,567 |
| Retained earnings to average equity (ytd only) | -3.8760% | 6,432 |
| Net charge-offs to loans | 1.0285% | 551 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -0.9615% | 5,007 |
| Efficiency ratio | 114.1777% | 218 |
| Assets per employee ($millions) | 2.5037% | 6,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8821% | 2,055 |
| Loan loss allowance to noncurrent loans | 2,537.5000% | 231 |
| Noncurrent assets plus other real estate owned to assets | 0.2041% | 5,823 |
| Noncurrent loans to loans | 0.0742% | 6,115 |
| Net loans and leases to total assets | 46.9667% | 5,453 |
| Net loans and leases to deposits | 53.7399% | 5,562 |
| Net loans and leases to core deposits | 55.7205% | 5,647 |
| Total domestic deposits to total assets | 87.3963% | 2,462 |
| Equity capital to assets | 11.2502% | 2,509 |
| Core capital (leverage) ratio | 11.5434% | 2,005 |
| Tier 1 risk-based capital ratio | 19.7146% | 1,810 |
| Total risk-based capital ratio | 20.9680% | 1,771 |
| Memoranda: | ||
| Average total assets | $22,458,500 | 6,743 |
| Average earning assets | $19,504,250 | 6,742 |
| Average equity | $2,476,750 | 6,713 |
| Average total loans | $10,112,250 | 6,654 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6011% | 5,430 |
| Cost of funding earning assets | 0.8823% | 977 |
| Net interest margin | 2.7188% | 6,150 |
| Noninterest income to average assets | 0.4903% | 3,897 |
| Noninterest expense to average assets | 3.5839% | 1,441 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.7132% | 6,697 |
| Return on assets (ROA) | -0.7132% | 6,709 |
| Pretax return on assets | -0.7310% | 6,692 |
| Return on Equity (ROE) | -6.5111% | 6,676 |
| Retained earnings to average equity (ytd only) | -6.5111% | 6,547 |
| Net charge-offs to loans | 0.8293% | 752 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -2.0000% | 4,768 |
| Efficiency ratio | 125.6250% | 153 |
| Assets per employee ($millions) | 2.5048% | 6,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3777% | 1,121 |
| Loan loss allowance to noncurrent loans | 1,200.0000% | 397 |
| Noncurrent assets plus other real estate owned to assets | 0.0887% | 6,227 |
| Noncurrent loans to loans | 0.1981% | 5,817 |
| Net loans and leases to total assets | 43.7120% | 5,765 |
| Net loans and leases to deposits | 49.8785% | 5,849 |
| Net loans and leases to core deposits | 51.7107% | 5,909 |
| Total domestic deposits to total assets | 87.6370% | 2,473 |
| Equity capital to assets | 11.1121% | 2,646 |
| Core capital (leverage) ratio | 11.3307% | 2,071 |
| Tier 1 risk-based capital ratio | 19.2729% | 1,916 |
| Total risk-based capital ratio | 20.5242% | 1,887 |
| Memoranda: | ||
| Average total assets | $22,433,670 | 6,794 |
| Average earning assets | $19,494,000 | 6,789 |
| Average equity | $2,457,330 | 6,762 |
| Average total loans | $9,887,670 | 6,714 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5839% | 5,491 |
| Cost of funding earning assets | 0.9115% | 936 |
| Net interest margin | 2.6724% | 6,264 |
| Noninterest income to average assets | 0.4647% | 4,023 |
| Noninterest expense to average assets | 3.6105% | 1,404 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.8222% | 6,769 |
| Return on assets (ROA) | -0.8222% | 6,781 |
| Pretax return on assets | -0.8401% | 6,762 |
| Return on Equity (ROE) | -7.5611% | 6,752 |
| Retained earnings to average equity (ytd only) | -7.5611% | 6,501 |
| Net charge-offs to loans | 1.7988% | 271 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -1.0682% | 3,971 |
| Efficiency ratio | 130.3226% | 148 |
| Assets per employee ($millions) | 2.5101% | 6,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3949% | 1,257 |
| Loan loss allowance to noncurrent loans | 740.6250% | 609 |
| Noncurrent assets plus other real estate owned to assets | 0.1416% | 6,150 |
| Noncurrent loans to loans | 0.3234% | 5,589 |
| Net loans and leases to total assets | 42.7560% | 5,781 |
| Net loans and leases to deposits | 48.5182% | 5,883 |
| Net loans and leases to core deposits | 50.2863% | 5,957 |
| Total domestic deposits to total assets | 88.1236% | 2,241 |
| Equity capital to assets | 10.6635% | 3,360 |
| Core capital (leverage) ratio | 10.6346% | 2,613 |
| Tier 1 risk-based capital ratio | 17.0193% | 2,740 |
| Total risk-based capital ratio | 18.2748% | 2,712 |
| Memoranda: | ||
| Average total assets | $22,379,000 | 6,867 |
| Average earning assets | $19,308,500 | 6,865 |
| Average equity | $2,433,500 | 6,830 |
| Average total loans | $9,784,500 | 6,779 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0642% | 5,085 |
| Cost of funding earning assets | 1.0824% | 974 |
| Net interest margin | 2.9819% | 6,083 |
| Noninterest income to average assets | 0.5444% | 3,619 |
| Noninterest expense to average assets | 3.5832% | 1,646 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.5087% | 6,573 |
| Return on assets (ROA) | -0.5087% | 6,610 |
| Pretax return on assets | -0.5801% | 6,610 |
| Return on Equity (ROE) | -4.5393% | 6,576 |
| Retained earnings to average equity (ytd only) | -4.5393% | 6,396 |
| Net charge-offs to loans | -0.0685% | 6,768 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.3165% | 215 |
| Assets per employee ($millions) | 2.4630% | 6,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9050% | 731 |
| Loan loss allowance to noncurrent loans | 379.7297% | 1,040 |
| Noncurrent assets plus other real estate owned to assets | 0.3338% | 5,665 |
| Noncurrent loans to loans | 0.7650% | 4,654 |
| Net loans and leases to total assets | 42.3693% | 5,963 |
| Net loans and leases to deposits | 48.3401% | 6,090 |
| Net loans and leases to core deposits | 49.3562% | 6,184 |
| Total domestic deposits to total assets | 87.6483% | 2,451 |
| Equity capital to assets | 11.0886% | 2,848 |
| Core capital (leverage) ratio | 10.9498% | 2,298 |
| Tier 1 risk-based capital ratio | 18.1919% | 2,194 |
| Total risk-based capital ratio | 19.4496% | 2,151 |
| Memoranda: | ||
| Average total assets | $22,410,000 | 6,919 |
| Average earning assets | $18,478,200 | 6,931 |
| Average equity | $2,511,400 | 6,878 |
| Average total loans | $10,218,200 | 6,839 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1328% | 5,070 |
| Cost of funding earning assets | 1.1093% | 1,030 |
| Net interest margin | 3.0235% | 6,121 |
| Noninterest income to average assets | 0.4925% | 3,971 |
| Noninterest expense to average assets | 3.5779% | 1,600 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.5933% | 6,740 |
| Return on assets (ROA) | -0.5933% | 6,762 |
| Pretax return on assets | -0.6112% | 6,746 |
| Return on Equity (ROE) | -5.2809% | 6,723 |
| Retained earnings to average equity (ytd only) | -5.2809% | 6,630 |
| Net charge-offs to loans | -0.0644% | 6,767 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.6000% | 189 |
| Assets per employee ($millions) | 2.4808% | 6,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8787% | 821 |
| Loan loss allowance to noncurrent loans | 6,975.0000% | 103 |
| Noncurrent assets plus other real estate owned to assets | 0.0179% | 6,726 |
| Noncurrent loans to loans | 0.0413% | 6,514 |
| Net loans and leases to total assets | 42.1597% | 6,117 |
| Net loans and leases to deposits | 48.3685% | 6,238 |
| Net loans and leases to core deposits | 49.3836% | 6,318 |
| Total domestic deposits to total assets | 87.1635% | 2,580 |
| Equity capital to assets | 11.0852% | 3,171 |
| Core capital (leverage) ratio | 10.9530% | 2,438 |
| Tier 1 risk-based capital ratio | 17.8206% | 2,417 |
| Total risk-based capital ratio | 19.0826% | 2,380 |
| Memoranda: | ||
| Average total assets | $22,470,750 | 7,007 |
| Average earning assets | $18,389,000 | 7,023 |
| Average equity | $2,524,750 | 6,964 |
| Average total loans | $10,354,500 | 6,926 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2764% | 4,661 |
| Cost of funding earning assets | 1.1425% | 1,061 |
| Net interest margin | 3.1338% | 5,906 |
| Noninterest income to average assets | 0.5062% | 3,887 |
| Noninterest expense to average assets | 3.6237% | 1,531 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.5418% | 6,753 |
| Return on assets (ROA) | -0.5418% | 6,784 |
| Pretax return on assets | -0.5595% | 6,758 |
| Return on Equity (ROE) | -4.8006% | 6,762 |
| Retained earnings to average equity (ytd only) | -4.8006% | 6,605 |
| Net charge-offs to loans | -0.0567% | 6,698 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.2609% | 238 |
| Assets per employee ($millions) | 2.5132% | 6,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7122% | 1,022 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 43.9277% | 6,020 |
| Net loans and leases to deposits | 50.4365% | 6,150 |
| Net loans and leases to core deposits | 52.1794% | 6,226 |
| Total domestic deposits to total assets | 87.0949% | 2,720 |
| Equity capital to assets | 11.1101% | 3,006 |
| Core capital (leverage) ratio | 11.0534% | 2,247 |
| Tier 1 risk-based capital ratio | 16.8636% | 2,734 |
| Total risk-based capital ratio | 18.1190% | 2,689 |
| Memoranda: | ||
| Average total assets | $22,518,670 | 7,067 |
| Average earning assets | $18,380,000 | 7,082 |
| Average equity | $2,541,330 | 7,007 |
| Average total loans | $10,575,330 | 6,976 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2888% | 4,782 |
| Cost of funding earning assets | 1.1496% | 1,176 |
| Net interest margin | 3.1392% | 5,936 |
| Noninterest income to average assets | 0.6409% | 2,978 |
| Noninterest expense to average assets | 3.6852% | 1,403 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.4985% | 6,826 |
| Return on assets (ROA) | -0.4985% | 6,853 |
| Pretax return on assets | -0.5163% | 6,838 |
| Return on Equity (ROE) | -4.3827% | 6,828 |
| Retained earnings to average equity (ytd only) | -4.3827% | 6,537 |
| Net charge-offs to loans | -0.0744% | 6,687 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.2921% | 260 |
| Assets per employee ($millions) | 2.5384% | 6,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5881% | 1,240 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 45.4697% | 5,846 |
| Net loans and leases to deposits | 52.0232% | 5,966 |
| Net loans and leases to core deposits | 54.5130% | 6,022 |
| Total domestic deposits to total assets | 87.4026% | 2,724 |
| Equity capital to assets | 11.1223% | 2,783 |
| Core capital (leverage) ratio | 11.2587% | 2,068 |
| Tier 1 risk-based capital ratio | 17.4549% | 2,496 |
| Total risk-based capital ratio | 18.7110% | 2,458 |
| Memoranda: | ||
| Average total assets | $22,468,500 | 7,130 |
| Average earning assets | $18,093,500 | 7,146 |
| Average equity | $2,555,500 | 7,052 |
| Average total loans | $10,756,500 | 7,035 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8152% | 3,737 |
| Cost of funding earning assets | 1.1451% | 2,378 |
| Net interest margin | 3.6701% | 4,428 |
| Noninterest income to average assets | 0.4615% | 4,125 |
| Noninterest expense to average assets | 3.8348% | 1,282 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -0.1808% | 6,235 |
| Return on assets (ROA) | -0.1808% | 6,311 |
| Pretax return on assets | -0.3235% | 6,365 |
| Return on Equity (ROE) | -1.4701% | 6,292 |
| Retained earnings to average equity (ytd only) | -1.4701% | 6,088 |
| Net charge-offs to loans | -0.0733% | 7,099 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.2141% | 450 |
| Assets per employee ($millions) | 2.4546% | 6,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5256% | 1,283 |
| Loan loss allowance to noncurrent loans | 2,490.9091% | 195 |
| Noncurrent assets plus other real estate owned to assets | 0.0498% | 6,835 |
| Noncurrent loans to loans | 0.1014% | 6,558 |
| Net loans and leases to total assets | 47.8702% | 5,834 |
| Net loans and leases to deposits | 55.0437% | 5,975 |
| Net loans and leases to core deposits | 56.5478% | 6,119 |
| Total domestic deposits to total assets | 86.9675% | 2,782 |
| Equity capital to assets | 11.6337% | 2,402 |
| Core capital (leverage) ratio | 11.5459% | 1,850 |
| Tier 1 risk-based capital ratio | 17.9679% | 2,196 |
| Total risk-based capital ratio | 19.2109% | 2,180 |
| Memoranda: | ||
| Average total assets | $21,018,000 | 7,184 |
| Average earning assets | $17,465,400 | 7,192 |
| Average equity | $2,584,800 | 7,102 |
| Average total loans | $10,910,200 | 7,085 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8978% | 3,569 |
| Cost of funding earning assets | 1.1456% | 2,659 |
| Net interest margin | 3.7522% | 4,098 |
| Noninterest income to average assets | 0.4755% | 4,081 |
| Noninterest expense to average assets | 3.8875% | 1,174 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.2570% | 6,445 |
| Return on assets (ROA) | -0.2570% | 6,517 |
| Pretax return on assets | -0.2763% | 6,475 |
| Return on Equity (ROE) | -2.0603% | 6,485 |
| Retained earnings to average equity (ytd only) | -2.0603% | 6,305 |
| Net charge-offs to loans | -0.0854% | 7,139 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.6512% | 472 |
| Assets per employee ($millions) | 2.4433% | 6,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5203% | 1,369 |
| Loan loss allowance to noncurrent loans | 2,275.0000% | 188 |
| Noncurrent assets plus other real estate owned to assets | 0.0546% | 6,910 |
| Noncurrent loans to loans | 0.1108% | 6,652 |
| Net loans and leases to total assets | 48.0173% | 5,953 |
| Net loans and leases to deposits | 55.5620% | 6,068 |
| Net loans and leases to core deposits | 57.0911% | 6,215 |
| Total domestic deposits to total assets | 86.4211% | 2,975 |
| Equity capital to assets | 11.7190% | 2,475 |
| Core capital (leverage) ratio | 11.6861% | 1,895 |
| Tier 1 risk-based capital ratio | 17.2727% | 2,540 |
| Total risk-based capital ratio | 18.2203% | 2,619 |
| Memoranda: | ||
| Average total assets | $20,749,750 | 7,263 |
| Average earning assets | $17,340,500 | 7,271 |
| Average equity | $2,588,500 | 7,165 |
| Average total loans | $10,925,500 | 7,155 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0230% | 3,051 |
| Cost of funding earning assets | 1.1791% | 2,711 |
| Net interest margin | 3.8439% | 3,563 |
| Noninterest income to average assets | 0.4721% | 4,092 |
| Noninterest expense to average assets | 3.9634% | 1,102 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.2655% | 6,527 |
| Return on assets (ROA) | -0.2655% | 6,561 |
| Pretax return on assets | -0.2852% | 6,522 |
| Return on Equity (ROE) | -2.0831% | 6,526 |
| Retained earnings to average equity (ytd only) | -2.0831% | 6,263 |
| Net charge-offs to loans | -0.0365% | 6,967 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.7540% | 519 |
| Assets per employee ($millions) | 2.0352% | 7,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4008% | 1,587 |
| Loan loss allowance to noncurrent loans | 260.1942% | 1,190 |
| Noncurrent assets plus other real estate owned to assets | 0.5061% | 5,896 |
| Noncurrent loans to loans | 0.9227% | 5,125 |
| Net loans and leases to total assets | 53.5328% | 5,360 |
| Net loans and leases to deposits | 62.8352% | 5,410 |
| Net loans and leases to core deposits | 64.7279% | 5,640 |
| Total domestic deposits to total assets | 85.1956% | 3,786 |
| Equity capital to assets | 12.7457% | 1,650 |
| Core capital (leverage) ratio | 12.5950% | 1,320 |
| Tier 1 risk-based capital ratio | 21.6054% | 1,312 |
| Total risk-based capital ratio | 22.8679% | 1,284 |
| Memoranda: | ||
| Average total assets | $20,336,330 | 7,340 |
| Average earning assets | $16,962,000 | 7,353 |
| Average equity | $2,592,330 | 7,228 |
| Average total loans | $10,956,670 | 7,223 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8988% | 3,601 |
| Cost of funding earning assets | 1.1785% | 2,959 |
| Net interest margin | 3.7203% | 3,997 |
| Noninterest income to average assets | 0.3935% | 4,756 |
| Noninterest expense to average assets | 4.0337% | 999 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.4526% | 6,778 |
| Return on assets (ROA) | -0.4526% | 6,787 |
| Pretax return on assets | -0.4722% | 6,740 |
| Return on Equity (ROE) | -3.5501% | 6,715 |
| Retained earnings to average equity (ytd only) | -3.5501% | 6,370 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.2597% | 440 |
| Assets per employee ($millions) | 2.0717% | 7,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4853% | 1,480 |
| Loan loss allowance to noncurrent loans | 255.7692% | 1,184 |
| Noncurrent assets plus other real estate owned to assets | 0.5020% | 5,972 |
| Noncurrent loans to loans | 0.9717% | 5,102 |
| Net loans and leases to total assets | 50.3789% | 5,799 |
| Net loans and leases to deposits | 58.8000% | 5,850 |
| Net loans and leases to core deposits | 60.5219% | 6,055 |
| Total domestic deposits to total assets | 85.6784% | 3,703 |
| Equity capital to assets | 12.4487% | 1,654 |
| Core capital (leverage) ratio | 12.5771% | 1,293 |
| Tier 1 risk-based capital ratio | 22.2375% | 1,187 |
| Total risk-based capital ratio | 23.2600% | 1,198 |
| Memoranda: | ||
| Average total assets | $20,328,500 | 7,394 |
| Average earning assets | $17,310,500 | 7,402 |
| Average equity | $2,591,500 | 7,273 |
| Average total loans | $10,853,500 | 7,283 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9056% | 5,011 |
| Cost of funding earning assets | 1.1926% | 4,610 |
| Net interest margin | 3.7131% | 4,294 |
| Noninterest income to average assets | 0.4204% | 4,741 |
| Noninterest expense to average assets | 3.5007% | 2,176 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.0841% | 5,628 |
| Return on assets (ROA) | 0.0841% | 5,762 |
| Pretax return on assets | 0.0752% | 5,747 |
| Return on Equity (ROE) | 0.7249% | 5,774 |
| Retained earnings to average equity (ytd only) | 0.7249% | 5,197 |
| Net charge-offs to loans | 0.0791% | 6,030 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 1.8889% | 4,308 |
| Efficiency ratio | 97.8960% | 874 |
| Assets per employee ($millions) | 1.9940% | 7,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4173% | 1,529 |
| Loan loss allowance to noncurrent loans | 289.1304% | 1,056 |
| Noncurrent assets plus other real estate owned to assets | 0.4614% | 6,123 |
| Noncurrent loans to loans | 0.8361% | 5,381 |
| Net loans and leases to total assets | 53.8516% | 5,650 |
| Net loans and leases to deposits | 63.3997% | 5,700 |
| Net loans and leases to core deposits | 63.3997% | 6,109 |
| Total domestic deposits to total assets | 84.9398% | 3,886 |
| Equity capital to assets | 13.0592% | 1,370 |
| Core capital (leverage) ratio | 11.1968% | 2,016 |
| Tier 1 risk-based capital ratio | 22.4283% | 1,115 |
| Total risk-based capital ratio | 23.4501% | 1,121 |
| Memoranda: | ||
| Average total assets | $22,595,600 | 7,406 |
| Average earning assets | $19,202,400 | 7,422 |
| Average equity | $2,621,000 | 7,369 |
| Average total loans | $11,377,400 | 7,333 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8258% | 5,559 |
| Cost of funding earning assets | 1.1744% | 5,011 |
| Net interest margin | 3.6515% | 4,629 |
| Noninterest income to average assets | 0.4013% | 4,948 |
| Noninterest expense to average assets | 3.4107% | 2,264 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.1089% | 5,749 |
| Return on assets (ROA) | 0.1089% | 5,902 |
| Pretax return on assets | 0.0917% | 5,925 |
| Return on Equity (ROE) | 0.9649% | 5,901 |
| Retained earnings to average equity (ytd only) | 0.9649% | 5,420 |
| Net charge-offs to loans | 0.1162% | 5,381 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 1.6002% | 4,519 |
| Efficiency ratio | 97.3813% | 845 |
| Assets per employee ($millions) | 2.4485% | 7,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2692% | 1,669 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 46.6122% | 6,646 |
| Net loans and leases to deposits | 53.3168% | 6,813 |
| Net loans and leases to core deposits | 53.3168% | 6,991 |
| Total domestic deposits to total assets | 87.4250% | 2,306 |
| Equity capital to assets | 10.7454% | 3,232 |
| Core capital (leverage) ratio | 10.9941% | 2,267 |
| Tier 1 risk-based capital ratio | 20.1342% | 1,521 |
| Total risk-based capital ratio | 20.9207% | 1,580 |
| Memoranda: | ||
| Average total assets | $23,259,500 | 7,485 |
| Average earning assets | $19,754,250 | 7,502 |
| Average equity | $2,625,250 | 7,465 |
| Average total loans | $11,470,750 | 7,430 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0115% | 4,894 |
| Cost of funding earning assets | 1.2215% | 5,007 |
| Net interest margin | 3.7899% | 3,939 |
| Noninterest income to average assets | 0.4114% | 4,817 |
| Noninterest expense to average assets | 3.4397% | 2,167 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.1663% | 5,673 |
| Return on assets (ROA) | 0.1663% | 5,793 |
| Pretax return on assets | 0.1488% | 5,886 |
| Return on Equity (ROE) | 1.4485% | 5,816 |
| Retained earnings to average equity (ytd only) | 1.4485% | 5,150 |
| Net charge-offs to loans | 0.0702% | 5,437 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 4.2500% | 3,010 |
| Efficiency ratio | 95.8537% | 972 |
| Assets per employee ($millions) | 2.3108% | 7,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3697% | 1,475 |
| Loan loss allowance to noncurrent loans | 263.1068% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 0.4457% | 6,333 |
| Noncurrent loans to loans | 0.9007% | 5,473 |
| Net loans and leases to total assets | 48.3166% | 6,604 |
| Net loans and leases to deposits | 55.7442% | 6,748 |
| Net loans and leases to core deposits | 55.7442% | 6,957 |
| Total domestic deposits to total assets | 86.6756% | 2,718 |
| Equity capital to assets | 11.3943% | 2,527 |
| Core capital (leverage) ratio | 11.2679% | 2,052 |
| Tier 1 risk-based capital ratio | 20.7255% | 1,390 |
| Total risk-based capital ratio | 21.6145% | 1,421 |
| Memoranda: | ||
| Average total assets | $22,851,000 | 7,558 |
| Average earning assets | $19,156,000 | 7,582 |
| Average equity | $2,623,330 | 7,520 |
| Average total loans | $11,401,670 | 7,483 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1789% | 4,142 |
| Cost of funding earning assets | 1.2787% | 4,937 |
| Net interest margin | 3.9002% | 3,323 |
| Noninterest income to average assets | 0.4049% | 4,879 |
| Noninterest expense to average assets | 3.4151% | 2,192 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.2288% | 5,580 |
| Return on assets (ROA) | 0.2288% | 5,701 |
| Pretax return on assets | 0.2112% | 5,846 |
| Return on Equity (ROE) | 1.9859% | 5,768 |
| Retained earnings to average equity (ytd only) | 1.9859% | 4,943 |
| Net charge-offs to loans | -0.0351% | 7,241 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1748% | 1,124 |
| Assets per employee ($millions) | 2.3154% | 7,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4343% | 1,385 |
| Loan loss allowance to noncurrent loans | 273.2673% | 1,075 |
| Noncurrent assets plus other real estate owned to assets | 0.4362% | 6,377 |
| Noncurrent loans to loans | 0.8908% | 5,538 |
| Net loans and leases to total assets | 47.7758% | 6,697 |
| Net loans and leases to deposits | 55.0294% | 6,840 |
| Net loans and leases to core deposits | 55.0294% | 7,048 |
| Total domestic deposits to total assets | 86.8187% | 2,728 |
| Equity capital to assets | 11.3285% | 2,479 |
| Core capital (leverage) ratio | 11.3860% | 1,974 |
| Tier 1 risk-based capital ratio | 20.6320% | 1,401 |
| Total risk-based capital ratio | 21.5508% | 1,434 |
| Memoranda: | ||
| Average total assets | $22,722,500 | 7,659 |
| Average earning assets | $18,768,500 | 7,685 |
| Average equity | $2,618,500 | 7,604 |
| Average total loans | $11,384,500 | 7,573 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4703% | 4,325 |
| Cost of funding earning assets | 1.6733% | 4,651 |
| Net interest margin | 3.7970% | 3,718 |
| Noninterest income to average assets | 0.7063% | 2,922 |
| Noninterest expense to average assets | 3.4617% | 2,486 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.2877% | 4,581 |
| Return on assets (ROA) | 0.2877% | 4,665 |
| Pretax return on assets | 0.3313% | 4,682 |
| Return on Equity (ROE) | 2.5398% | 4,693 |
| Retained earnings to average equity (ytd only) | 2.5398% | 3,372 |
| Net charge-offs to loans | -0.0442% | 7,840 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2644% | 1,616 |
| Assets per employee ($millions) | 2.4768% | 7,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4057% | 1,342 |
| Loan loss allowance to noncurrent loans | 2,115.3846% | 191 |
| Noncurrent assets plus other real estate owned to assets | 0.0583% | 7,352 |
| Noncurrent loans to loans | 0.1137% | 7,133 |
| Net loans and leases to total assets | 50.0471% | 6,636 |
| Net loans and leases to deposits | 58.0135% | 6,788 |
| Net loans and leases to core deposits | 67.2494% | 6,920 |
| Total domestic deposits to total assets | 86.2680% | 2,880 |
| Equity capital to assets | 11.7267% | 2,173 |
| Core capital (leverage) ratio | 11.3510% | 2,005 |
| Tier 1 risk-based capital ratio | 20.6271% | 1,356 |
| Total risk-based capital ratio | 21.5502% | 1,369 |
| Memoranda: | ||
| Average total assets | $22,936,800 | 7,703 |
| Average earning assets | $18,646,200 | 7,742 |
| Average equity | $2,598,600 | 7,707 |
| Average total loans | $11,301,200 | 7,644 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3892% | 5,004 |
| Cost of funding earning assets | 1.7234% | 4,780 |
| Net interest margin | 3.6657% | 4,218 |
| Noninterest income to average assets | 0.7850% | 2,511 |
| Noninterest expense to average assets | 3.3941% | 2,596 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.4041% | 4,383 |
| Return on assets (ROA) | 0.4041% | 4,485 |
| Pretax return on assets | 0.3867% | 4,832 |
| Return on Equity (ROE) | 3.5969% | 4,537 |
| Retained earnings to average equity (ytd only) | 3.5969% | 3,275 |
| Net charge-offs to loans | -0.0473% | 7,851 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7710% | 1,711 |
| Assets per employee ($millions) | 2.5311% | 7,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4069% | 1,165 |
| Loan loss allowance to noncurrent loans | 1,957.1429% | 193 |
| Noncurrent assets plus other real estate owned to assets | 0.0615% | 7,405 |
| Noncurrent loans to loans | 0.1230% | 7,168 |
| Net loans and leases to total assets | 48.7709% | 6,884 |
| Net loans and leases to deposits | 56.3759% | 7,066 |
| Net loans and leases to core deposits | 65.4723% | 7,186 |
| Total domestic deposits to total assets | 86.5101% | 2,420 |
| Equity capital to assets | 11.5145% | 2,570 |
| Core capital (leverage) ratio | 11.4954% | 2,077 |
| Tier 1 risk-based capital ratio | 20.4554% | 1,467 |
| Total risk-based capital ratio | 21.3458% | 1,488 |
| Memoranda: | ||
| Average total assets | $23,098,250 | 7,764 |
| Average earning assets | $18,877,000 | 7,811 |
| Average equity | $2,594,750 | 7,785 |
| Average total loans | $11,268,750 | 7,719 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3628% | 5,337 |
| Cost of funding earning assets | 1.7492% | 5,020 |
| Net interest margin | 3.6136% | 4,309 |
| Noninterest income to average assets | 0.9395% | 1,799 |
| Noninterest expense to average assets | 3.4476% | 2,501 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.4827% | 4,157 |
| Return on assets (ROA) | 0.4827% | 4,270 |
| Pretax return on assets | 0.4654% | 4,734 |
| Return on Equity (ROE) | 4.3321% | 4,368 |
| Retained earnings to average equity (ytd only) | 4.3321% | 2,891 |
| Net charge-offs to loans | -0.0712% | 7,902 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1057% | 2,008 |
| Assets per employee ($millions) | 2.5027% | 7,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3991% | 992 |
| Loan loss allowance to noncurrent loans | 6,850.0000% | 76 |
| Noncurrent assets plus other real estate owned to assets | 0.0178% | 7,586 |
| Noncurrent loans to loans | 0.0350% | 7,453 |
| Net loans and leases to total assets | 49.4894% | 6,917 |
| Net loans and leases to deposits | 57.3052% | 7,072 |
| Net loans and leases to core deposits | 66.6487% | 7,182 |
| Total domestic deposits to total assets | 86.3612% | 2,592 |
| Equity capital to assets | 11.5699% | 2,491 |
| Core capital (leverage) ratio | 11.4424% | 2,112 |
| Tier 1 risk-based capital ratio | 20.2747% | 1,521 |
| Total risk-based capital ratio | 21.1538% | 1,560 |
| Memoranda: | ||
| Average total assets | $23,204,330 | 7,844 |
| Average earning assets | $19,094,330 | 7,884 |
| Average equity | $2,585,330 | 7,862 |
| Average total loans | $11,230,330 | 7,800 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2794% | 5,984 |
| Cost of funding earning assets | 1.6991% | 5,603 |
| Net interest margin | 3.5803% | 4,408 |
| Noninterest income to average assets | 1.1043% | 1,216 |
| Noninterest expense to average assets | 3.3129% | 2,623 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8155% | 3,063 |
| Return on assets (ROA) | 0.8155% | 3,217 |
| Pretax return on assets | 0.7985% | 4,080 |
| Return on Equity (ROE) | 7.4563% | 3,399 |
| Retained earnings to average equity (ytd only) | 7.4563% | 2,040 |
| Net charge-offs to loans | -0.8262% | 8,147 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5785% | 2,730 |
| Assets per employee ($millions) | 2.5544% | 7,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5538% | 723 |
| Loan loss allowance to noncurrent loans | 1,465.0000% | 298 |
| Noncurrent assets plus other real estate owned to assets | 0.0870% | 7,333 |
| Noncurrent loans to loans | 0.1743% | 7,026 |
| Net loans and leases to total assets | 48.6298% | 6,974 |
| Net loans and leases to deposits | 55.6828% | 7,176 |
| Net loans and leases to core deposits | 64.4343% | 7,299 |
| Total domestic deposits to total assets | 87.3336% | 2,045 |
| Equity capital to assets | 11.2875% | 2,732 |
| Core capital (leverage) ratio | 11.3683% | 2,234 |
| Tier 1 risk-based capital ratio | 19.8780% | 1,643 |
| Total risk-based capital ratio | 20.8742% | 1,643 |
| Memoranda: | ||
| Average total assets | $23,544,500 | 7,886 |
| Average earning assets | $19,775,000 | 7,909 |
| Average equity | $2,575,000 | 7,917 |
| Average total loans | $11,135,000 | 7,852 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3239% | 3,832 |
| Cost of funding earning assets | 2.5295% | 4,051 |
| Net interest margin | 3.7943% | 4,050 |
| Noninterest income to average assets | 0.5928% | 3,893 |
| Noninterest expense to average assets | 3.6540% | 2,035 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.3061% | 5,521 |
| Return on assets (ROA) | 0.3061% | 5,338 |
| Pretax return on assets | 0.2332% | 5,657 |
| Return on Equity (ROE) | 2.5228% | 5,410 |
| Retained earnings to average equity (ytd only) | 2.5228% | 3,630 |
| Net charge-offs to loans | 0.4350% | 2,654 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 1.0435% | 5,609 |
| Efficiency ratio | 94.0000% | 1,276 |
| Assets per employee ($millions) | 2.6777% | 6,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5007% | 680 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 43.6823% | 7,491 |
| Net loans and leases to deposits | 49.6721% | 7,640 |
| Net loans and leases to core deposits | 57.1498% | 7,703 |
| Total domestic deposits to total assets | 87.9414% | 1,493 |
| Equity capital to assets | 10.6021% | 3,384 |
| Core capital (leverage) ratio | 12.7293% | 1,649 |
| Tier 1 risk-based capital ratio | 19.5860% | 1,687 |
| Total risk-based capital ratio | 20.3458% | 1,744 |
| Memoranda: | ||
| Average total assets | $20,580,400 | 7,998 |
| Average earning assets | $17,868,800 | 8,007 |
| Average equity | $2,497,200 | 7,988 |
| Average total loans | $10,575,600 | 7,914 |