Home > The Equitable Savings and Loan Company > Performance and Condition Ratios
The Equitable Savings and Loan Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7797% | 2,514 |
| Cost of funding earning assets | 0.5546% | 4,136 |
| Net interest margin | 4.2251% | 897 |
| Noninterest income to average assets | 0.0900% | 4,319 |
| Noninterest expense to average assets | 3.9016% | 396 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0275% | 4,306 |
| Return on assets (ROA) | -0.0183% | 4,380 |
| Pretax return on assets | -0.0183% | 4,366 |
| Return on Equity (ROE) | -0.0900% | 4,350 |
| Retained earnings to average equity (ytd only) | -0.0870% | 4,091 |
| Net charge-offs to loans | 0.0738% | 1,119 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.6000% | 2,806 |
| Efficiency ratio | 99.3007% | 198 |
| Assets per employee ($millions) | 3.4227% | 4,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6354% | 4,204 |
| Loan loss allowance to noncurrent loans | 46.8750% | 3,648 |
| Noncurrent assets plus other real estate owned to assets | 0.9349% | 535 |
| Noncurrent loans to loans | 1.3555% | 511 |
| Net loans and leases to total assets | 68.5300% | 1,973 |
| Net loans and leases to deposits | 94.7999% | 881 |
| Net loans and leases to core deposits | 101.9117% | 1,332 |
| Total domestic deposits to total assets | 72.2900% | 4,214 |
| Equity capital to assets | 22.4679% | 226 |
| Core capital (leverage) ratio | 21.8094% | 213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $10,918,600 | 4,562 |
| Average earning assets | $9,917,000 | 4,517 |
| Average equity | $2,298,400 | 4,473 |
| Average total loans | $6,776,800 | 4,444 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3968% | 1,137 |
| Cost of funding earning assets | 0.4809% | 4,162 |
| Net interest margin | 4.9159% | 347 |
| Noninterest income to average assets | 0.0800% | 4,369 |
| Noninterest expense to average assets | 4.1270% | 335 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.3850% | 3,990 |
| Return on assets (ROA) | 0.3249% | 4,092 |
| Pretax return on assets | 0.3249% | 4,140 |
| Return on Equity (ROE) | 1.5700% | 4,255 |
| Retained earnings to average equity (ytd only) | 1.5677% | 3,825 |
| Net charge-offs to loans | 0.0995% | 786 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 6.4000% | 2,292 |
| Efficiency ratio | 91.4667% | 335 |
| Assets per employee ($millions) | 3.6050% | 4,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6494% | 4,205 |
| Loan loss allowance to noncurrent loans | 45.9184% | 3,656 |
| Noncurrent assets plus other real estate owned to assets | 0.9061% | 594 |
| Noncurrent loans to loans | 1.4141% | 528 |
| Net loans and leases to total assets | 63.6600% | 2,483 |
| Net loans and leases to deposits | 92.6524% | 1,006 |
| Net loans and leases to core deposits | 99.5230% | 1,343 |
| Total domestic deposits to total assets | 68.7100% | 4,355 |
| Equity capital to assets | 21.4055% | 252 |
| Core capital (leverage) ratio | 21.0569% | 238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $11,081,250 | 4,586 |
| Average earning assets | $9,981,000 | 4,543 |
| Average equity | $2,296,250 | 4,490 |
| Average total loans | $6,700,500 | 4,467 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2337% | 1,169 |
| Cost of funding earning assets | 0.4594% | 4,058 |
| Net interest margin | 4.7743% | 415 |
| Noninterest income to average assets | 0.0900% | 4,358 |
| Noninterest expense to average assets | 4.1719% | 311 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.1970% | 4,280 |
| Return on assets (ROA) | 0.1970% | 4,302 |
| Pretax return on assets | 0.1970% | 4,324 |
| Return on Equity (ROE) | 0.9600% | 4,375 |
| Retained earnings to average equity (ytd only) | 0.9607% | 3,922 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 95.4918% | 235 |
| Assets per employee ($millions) | 3.6860% | 4,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7520% | 4,100 |
| Loan loss allowance to noncurrent loans | 48.5437% | 3,654 |
| Noncurrent assets plus other real estate owned to assets | 0.9315% | 522 |
| Noncurrent loans to loans | 1.5491% | 419 |
| Net loans and leases to total assets | 59.6800% | 2,800 |
| Net loans and leases to deposits | 85.6012% | 1,535 |
| Net loans and leases to core deposits | 91.6273% | 1,708 |
| Total domestic deposits to total assets | 69.7100% | 4,370 |
| Equity capital to assets | 20.7723% | 260 |
| Core capital (leverage) ratio | 20.4687% | 246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $11,170,000 | 4,611 |
| Average earning assets | $10,012,000 | 4,572 |
| Average equity | $2,290,000 | 4,522 |
| Average total loans | $6,624,000 | 4,501 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4452% | 670 |
| Cost of funding earning assets | 0.4064% | 3,955 |
| Net interest margin | 5.0389% | 282 |
| Noninterest income to average assets | 0.0700% | 4,475 |
| Noninterest expense to average assets | 4.4896% | 273 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.0000% | 4,480 |
| Return on assets (ROA) | 0.0000% | 4,466 |
| Pretax return on assets | 0.0000% | 4,450 |
| Return on Equity (ROE) | 0.0000% | 4,453 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,013 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 100.0000% | 170 |
| Assets per employee ($millions) | 3.7463% | 4,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7668% | 4,145 |
| Loan loss allowance to noncurrent loans | 185.1852% | 2,739 |
| Noncurrent assets plus other real estate owned to assets | 0.2402% | 1,915 |
| Noncurrent loans to loans | 0.4140% | 1,691 |
| Net loans and leases to total assets | 57.5800% | 2,903 |
| Net loans and leases to deposits | 81.9010% | 1,658 |
| Net loans and leases to core deposits | 84.5993% | 1,953 |
| Total domestic deposits to total assets | 70.3000% | 4,410 |
| Equity capital to assets | 20.3488% | 223 |
| Core capital (leverage) ratio | 20.5962% | 240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $11,226,000 | 4,673 |
| Average earning assets | $9,843,500 | 4,641 |
| Average equity | $2,286,500 | 4,587 |
| Average total loans | $6,611,500 | 4,569 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7431% | 2,419 |
| Cost of funding earning assets | 0.2106% | 3,671 |
| Net interest margin | 3.5325% | 1,831 |
| Noninterest income to average assets | 0.0900% | 4,461 |
| Noninterest expense to average assets | 3.5731% | 460 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | -0.3411% | 4,627 |
| Return on assets (ROA) | -0.3411% | 4,617 |
| Pretax return on assets | -0.3411% | 4,609 |
| Return on Equity (ROE) | -1.7500% | 4,580 |
| Retained earnings to average equity (ytd only) | -1.7525% | 4,470 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 110.5541% | 89 |
| Assets per employee ($millions) | 3.7377% | 4,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7460% | 4,143 |
| Loan loss allowance to noncurrent loans | 29.2398% | 3,815 |
| Noncurrent assets plus other real estate owned to assets | 1.5250% | 203 |
| Noncurrent loans to loans | 2.5515% | 180 |
| Net loans and leases to total assets | 59.3200% | 2,697 |
| Net loans and leases to deposits | 84.3627% | 1,437 |
| Net loans and leases to core deposits | 84.3627% | 1,855 |
| Total domestic deposits to total assets | 70.3200% | 4,466 |
| Equity capital to assets | 20.3871% | 218 |
| Core capital (leverage) ratio | 20.0562% | 252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $11,726,600 | 4,707 |
| Average earning assets | $10,446,000 | 4,675 |
| Average equity | $2,282,400 | 4,657 |
| Average total loans | $7,018,800 | 4,598 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4209% | 2,857 |
| Cost of funding earning assets | 0.2272% | 2,956 |
| Net interest margin | 3.1937% | 2,643 |
| Noninterest income to average assets | 0.0900% | 4,493 |
| Noninterest expense to average assets | 3.5990% | 449 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | -0.6636% | 4,691 |
| Return on assets (ROA) | -0.6636% | 4,680 |
| Pretax return on assets | -0.6636% | 4,673 |
| Return on Equity (ROE) | -3.4500% | 4,640 |
| Retained earnings to average equity (ytd only) | -3.4479% | 4,552 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 122.6054% | 63 |
| Assets per employee ($millions) | 3.7970% | 4,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7158% | 4,226 |
| Loan loss allowance to noncurrent loans | 71.4286% | 3,617 |
| Noncurrent assets plus other real estate owned to assets | 0.6145% | 865 |
| Noncurrent loans to loans | 1.0021% | 773 |
| Net loans and leases to total assets | 60.8800% | 2,414 |
| Net loans and leases to deposits | 85.7549% | 1,188 |
| Net loans and leases to core deposits | 88.5583% | 1,386 |
| Total domestic deposits to total assets | 70.9900% | 4,522 |
| Equity capital to assets | 19.8139% | 223 |
| Core capital (leverage) ratio | 19.6706% | 249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $11,855,000 | 4,744 |
| Average earning assets | $10,562,250 | 4,713 |
| Average equity | $2,281,500 | 4,698 |
| Average total loans | $7,098,000 | 4,635 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1841% | 3,093 |
| Cost of funding earning assets | 0.2622% | 2,117 |
| Net interest margin | 2.9219% | 3,111 |
| Noninterest income to average assets | 0.0999% | 4,483 |
| Noninterest expense to average assets | 3.5804% | 403 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.8826% | 4,709 |
| Return on assets (ROA) | -0.8826% | 4,701 |
| Pretax return on assets | -0.8826% | 4,694 |
| Return on Equity (ROE) | -4.6295% | 4,668 |
| Retained earnings to average equity (ytd only) | -4.6295% | 4,525 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.7160% | 55 |
| Assets per employee ($millions) | 3.8113% | 4,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7138% | 4,308 |
| Loan loss allowance to noncurrent loans | 71.4286% | 3,629 |
| Noncurrent assets plus other real estate owned to assets | 0.6122% | 906 |
| Noncurrent loans to loans | 0.9993% | 836 |
| Net loans and leases to total assets | 60.8274% | 2,235 |
| Net loans and leases to deposits | 85.4948% | 1,011 |
| Net loans and leases to core deposits | 88.2726% | 1,207 |
| Total domestic deposits to total assets | 71.1475% | 4,598 |
| Equity capital to assets | 19.7831% | 173 |
| Core capital (leverage) ratio | 19.6269% | 208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $12,009,667 | 4,770 |
| Average earning assets | $10,678,000 | 4,756 |
| Average equity | $2,289,667 | 4,724 |
| Average total loans | $7,135,667 | 4,700 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0598% | 3,086 |
| Cost of funding earning assets | 0.3643% | 1,099 |
| Net interest margin | 2.6956% | 3,410 |
| Noninterest income to average assets | 0.0651% | 4,619 |
| Noninterest expense to average assets | 3.5129% | 414 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -1.0409% | 4,737 |
| Return on assets (ROA) | -1.0409% | 4,733 |
| Pretax return on assets | -1.0409% | 4,728 |
| Return on Equity (ROE) | -5.5568% | 4,709 |
| Retained earnings to average equity (ytd only) | -5.5568% | 4,438 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 142.1053% | 49 |
| Assets per employee ($millions) | 3.9730% | 4,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7079% | 4,372 |
| Loan loss allowance to noncurrent loans | 71.4286% | 3,643 |
| Noncurrent assets plus other real estate owned to assets | 0.5873% | 1,003 |
| Noncurrent loans to loans | 0.9911% | 916 |
| Net loans and leases to total assets | 58.8388% | 2,203 |
| Net loans and leases to deposits | 86.6766% | 697 |
| Net loans and leases to core deposits | 89.5086% | 946 |
| Total domestic deposits to total assets | 67.8832% | 4,676 |
| Equity capital to assets | 19.1879% | 191 |
| Core capital (leverage) ratio | 18.7474% | 221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $12,297,500 | 4,794 |
| Average earning assets | $10,981,000 | 4,780 |
| Average equity | $2,303,500 | 4,750 |
| Average total loans | $7,201,000 | 4,726 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3987% | 2,937 |
| Cost of funding earning assets | 0.5923% | 562 |
| Net interest margin | 2.8064% | 3,650 |
| Noninterest income to average assets | 0.1190% | 4,538 |
| Noninterest expense to average assets | 3.9895% | 291 |
| Loan and lease loss provision to assets | 0.1904% | 581 |
| Net operating income to assets | -1.6180% | 4,810 |
| Return on assets (ROA) | -1.6180% | 4,810 |
| Pretax return on assets | -1.6180% | 4,804 |
| Return on Equity (ROE) | -8.4950% | 4,796 |
| Retained earnings to average equity (ytd only) | -8.4950% | 4,748 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 155.7276% | 32 |
| Assets per employee ($millions) | 4.2253% | 4,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6813% | 4,453 |
| Loan loss allowance to noncurrent loans | 71.4286% | 3,671 |
| Noncurrent assets plus other real estate owned to assets | 0.5522% | 1,196 |
| Noncurrent loans to loans | 0.9538% | 1,055 |
| Net loans and leases to total assets | 57.5024% | 2,426 |
| Net loans and leases to deposits | 93.2336% | 409 |
| Net loans and leases to core deposits | 96.3898% | 674 |
| Total domestic deposits to total assets | 61.6756% | 4,763 |
| Equity capital to assets | 18.3023% | 244 |
| Core capital (leverage) ratio | 18.5215% | 227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $12,608,200 | 4,834 |
| Average earning assets | $10,974,800 | 4,823 |
| Average equity | $2,401,400 | 4,793 |
| Average total loans | $7,602,200 | 4,762 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4272% | 3,023 |
| Cost of funding earning assets | 0.6342% | 531 |
| Net interest margin | 2.7930% | 3,799 |
| Noninterest income to average assets | 0.1482% | 4,453 |
| Noninterest expense to average assets | 4.4157% | 223 |
| Loan and lease loss provision to assets | 0.2541% | 360 |
| Net operating income to assets | -2.0966% | 4,889 |
| Return on assets (ROA) | -2.0966% | 4,889 |
| Pretax return on assets | -2.0966% | 4,887 |
| Return on Equity (ROE) | -10.9009% | 4,884 |
| Retained earnings to average equity (ytd only) | -10.9009% | 4,854 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 171.6049% | 28 |
| Assets per employee ($millions) | 4.1917% | 4,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6602% | 4,564 |
| 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 | 59.8330% | 2,283 |
| Net loans and leases to deposits | 97.6636% | 286 |
| Net loans and leases to core deposits | 101.0204% | 554 |
| Total domestic deposits to total assets | 61.2644% | 4,831 |
| Equity capital to assets | 18.4970% | 252 |
| Core capital (leverage) ratio | 18.3903% | 241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $12,591,250 | 4,908 |
| Average earning assets | $10,932,000 | 4,897 |
| Average equity | $2,421,750 | 4,865 |
| Average total loans | $7,668,000 | 4,828 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4101% | 3,156 |
| Cost of funding earning assets | 0.6349% | 623 |
| Net interest margin | 2.7753% | 3,841 |
| Noninterest income to average assets | 0.0953% | 4,708 |
| Noninterest expense to average assets | 4.7155% | 193 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -2.1911% | 4,924 |
| Return on assets (ROA) | -2.1911% | 4,925 |
| Pretax return on assets | -2.1911% | 4,924 |
| Return on Equity (ROE) | -11.2485% | 4,918 |
| Retained earnings to average equity (ytd only) | -11.2485% | 4,878 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 186.7925% | 25 |
| Assets per employee ($millions) | 4.0977% | 4,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6625% | 4,588 |
| Loan loss allowance to noncurrent loans | 92.5926% | 3,442 |
| Noncurrent assets plus other real estate owned to assets | 0.4393% | 1,871 |
| Noncurrent loans to loans | 0.7155% | 1,652 |
| Net loans and leases to total assets | 60.9859% | 2,309 |
| Net loans and leases to deposits | 101.9723% | 219 |
| Net loans and leases to core deposits | 105.6511% | 481 |
| Total domestic deposits to total assets | 59.8064% | 4,870 |
| Equity capital to assets | 19.5152% | 209 |
| Core capital (leverage) ratio | 19.6301% | 193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $12,596,667 | 4,944 |
| Average earning assets | $11,026,000 | 4,932 |
| Average equity | $2,453,667 | 4,898 |
| Average total loans | $7,699,333 | 4,868 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3418% | 3,361 |
| Cost of funding earning assets | 3.6617% | 1 |
| Net interest margin | -0.3200% | 4,974 |
| Noninterest income to average assets | 0.0941% | 4,713 |
| Noninterest expense to average assets | 3.3573% | 554 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -3.5455% | 4,963 |
| Return on assets (ROA) | -3.5455% | 4,963 |
| Pretax return on assets | -3.5455% | 4,962 |
| Return on Equity (ROE) | -18.2185% | 4,955 |
| Retained earnings to average equity (ytd only) | -18.2185% | 4,902 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -1,783.3333% | 4,977 |
| Assets per employee ($millions) | 4.0463% | 4,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6416% | 4,639 |
| Loan loss allowance to noncurrent loans | 104.1667% | 3,286 |
| Noncurrent assets plus other real estate owned to assets | 0.3954% | 2,221 |
| Noncurrent loans to loans | 0.6159% | 2,030 |
| Net loans and leases to total assets | 63.7861% | 2,071 |
| Net loans and leases to deposits | 107.8562% | 153 |
| Net loans and leases to core deposits | 111.8446% | 363 |
| Total domestic deposits to total assets | 59.1400% | 4,891 |
| Equity capital to assets | 19.9605% | 187 |
| Core capital (leverage) ratio | 19.6433% | 200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $12,748,500 | 4,971 |
| Average earning assets | $11,251,500 | 4,958 |
| Average equity | $2,481,000 | 4,920 |
| Average total loans | $7,775,500 | 4,894 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5474% | 3,929 |
| Cost of funding earning assets | 1.0814% | 432 |
| Net interest margin | 2.4660% | 4,617 |
| Noninterest income to average assets | 0.0665% | 4,836 |
| Noninterest expense to average assets | 3.1110% | 1,207 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | -0.8202% | 4,914 |
| Return on assets (ROA) | -0.8202% | 4,917 |
| Pretax return on assets | -0.8202% | 4,913 |
| Return on Equity (ROE) | -4.2910% | 4,887 |
| Retained earnings to average equity (ytd only) | -4.2910% | 4,816 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 135.8065% | 46 |
| Assets per employee ($millions) | 4.4527% | 3,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6445% | 4,667 |
| Loan loss allowance to noncurrent loans | 104.1667% | 3,275 |
| Noncurrent assets plus other real estate owned to assets | 0.3593% | 2,547 |
| Noncurrent loans to loans | 0.6187% | 2,148 |
| Net loans and leases to total assets | 57.7032% | 3,122 |
| Net loans and leases to deposits | 105.8355% | 229 |
| Net loans and leases to core deposits | 109.6756% | 519 |
| Total domestic deposits to total assets | 54.5216% | 4,935 |
| Equity capital to assets | 19.0073% | 229 |
| Core capital (leverage) ratio | 18.7325% | 227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $13,532,600 | 4,990 |
| Average earning assets | $12,206,000 | 4,976 |
| Average equity | $2,586,800 | 4,932 |
| Average total loans | $8,175,200 | 4,912 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6141% | 3,981 |
| Cost of funding earning assets | 1.1145% | 508 |
| Net interest margin | 2.4996% | 4,659 |
| Noninterest income to average assets | 0.0884% | 4,792 |
| Noninterest expense to average assets | 3.3293% | 863 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | -0.9723% | 4,944 |
| Return on assets (ROA) | -0.9723% | 4,947 |
| Pretax return on assets | -0.9723% | 4,941 |
| Return on Equity (ROE) | -5.0792% | 4,916 |
| Retained earnings to average equity (ytd only) | -5.0792% | 4,847 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 141.2500% | 48 |
| Assets per employee ($millions) | 4.5653% | 3,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6127% | 4,708 |
| Loan loss allowance to noncurrent loans | 104.1667% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 0.3505% | 2,742 |
| Noncurrent loans to loans | 0.5882% | 2,329 |
| Net loans and leases to total assets | 59.2217% | 3,302 |
| Net loans and leases to deposits | 106.7377% | 306 |
| Net loans and leases to core deposits | 110.4289% | 688 |
| Total domestic deposits to total assets | 55.4834% | 4,957 |
| Equity capital to assets | 18.5894% | 265 |
| Core capital (leverage) ratio | 18.6561% | 246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $13,576,250 | 5,019 |
| Average earning assets | $12,321,750 | 5,008 |
| Average equity | $2,598,750 | 4,961 |
| Average total loans | $8,279,500 | 4,945 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7295% | 4,023 |
| Cost of funding earning assets | 1.1302% | 655 |
| Net interest margin | 2.5994% | 4,654 |
| Noninterest income to average assets | 0.1034% | 4,766 |
| Noninterest expense to average assets | 3.5017% | 747 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -1.0195% | 4,965 |
| Return on assets (ROA) | -1.0195% | 4,959 |
| Pretax return on assets | -1.0195% | 4,949 |
| Return on Equity (ROE) | -5.2746% | 4,928 |
| Retained earnings to average equity (ytd only) | -5.2746% | 4,783 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 141.0714% | 51 |
| Assets per employee ($millions) | 4.5337% | 3,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6089% | 4,731 |
| Loan loss allowance to noncurrent loans | 104.1667% | 3,163 |
| Noncurrent assets plus other real estate owned to assets | 0.3529% | 2,882 |
| Noncurrent loans to loans | 0.5845% | 2,403 |
| Net loans and leases to total assets | 60.0103% | 3,330 |
| Net loans and leases to deposits | 109.4689% | 242 |
| Net loans and leases to core deposits | 113.3139% | 622 |
| Total domestic deposits to total assets | 54.8195% | 4,990 |
| Equity capital to assets | 18.9692% | 239 |
| Core capital (leverage) ratio | 19.2437% | 239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $13,536,333 | 5,052 |
| Average earning assets | $12,387,667 | 5,040 |
| Average equity | $2,616,333 | 4,992 |
| Average total loans | $8,319,000 | 4,978 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8365% | 4,161 |
| Cost of funding earning assets | 1.1509% | 903 |
| Net interest margin | 2.6855% | 4,678 |
| Noninterest income to average assets | 0.0592% | 4,950 |
| Noninterest expense to average assets | 3.4360% | 1,025 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.8886% | 4,976 |
| Return on assets (ROA) | -0.8886% | 4,955 |
| Pretax return on assets | -0.8886% | 4,941 |
| Return on Equity (ROE) | -4.5549% | 4,909 |
| Retained earnings to average equity (ytd only) | -4.5549% | 4,484 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 134.8837% | 74 |
| Assets per employee ($millions) | 4.4303% | 3,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5967% | 4,762 |
| Loan loss allowance to noncurrent loans | 106.3830% | 3,145 |
| Noncurrent assets plus other real estate owned to assets | 0.3536% | 3,022 |
| Noncurrent loans to loans | 0.5609% | 2,596 |
| Net loans and leases to total assets | 62.6740% | 3,228 |
| Net loans and leases to deposits | 116.7975% | 108 |
| Net loans and leases to core deposits | 121.0580% | 438 |
| Total domestic deposits to total assets | 53.6604% | 5,056 |
| Equity capital to assets | 19.6524% | 263 |
| Core capital (leverage) ratio | 19.2061% | 267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.7819% | 116 |
| Memoranda: | ||
| Average total assets | $13,504,000 | 5,101 |
| Average earning assets | $12,511,500 | 5,090 |
| Average equity | $2,634,500 | 5,037 |
| Average total loans | $8,372,500 | 5,023 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2645% | 3,633 |
| Cost of funding earning assets | 0.9632% | 1,890 |
| Net interest margin | 3.3013% | 3,985 |
| Noninterest income to average assets | 0.0533% | 5,032 |
| Noninterest expense to average assets | 3.4190% | 1,078 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | -0.3122% | 5,031 |
| Return on assets (ROA) | -0.3122% | 5,040 |
| Pretax return on assets | -0.3122% | 5,039 |
| Return on Equity (ROE) | -1.5305% | 5,028 |
| Retained earnings to average equity (ytd only) | -1.5305% | 4,849 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.0490% | 103 |
| Assets per employee ($millions) | 3.4293% | 4,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5977% | 4,744 |
| Loan loss allowance to noncurrent loans | 106.3830% | 3,180 |
| Noncurrent assets plus other real estate owned to assets | 0.3426% | 3,038 |
| Noncurrent loans to loans | 0.5619% | 2,493 |
| Net loans and leases to total assets | 60.6182% | 3,537 |
| Net loans and leases to deposits | 121.0159% | 80 |
| Net loans and leases to core deposits | 121.0159% | 450 |
| Total domestic deposits to total assets | 50.0911% | 5,128 |
| Equity capital to assets | 19.3118% | 281 |
| Core capital (leverage) ratio | 19.8191% | 243 |
| Tier 1 risk-based capital ratio | 43.1125% | 195 |
| Total risk-based capital ratio | 43.9324% | 198 |
| Memoranda: | ||
| Average total assets | $13,132,600 | 5,159 |
| Average earning assets | $12,146,800 | 5,148 |
| Average equity | $2,678,800 | 5,088 |
| Average total loans | $8,240,800 | 5,086 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3167% | 3,608 |
| Cost of funding earning assets | 0.9346% | 2,064 |
| Net interest margin | 3.3821% | 3,907 |
| Noninterest income to average assets | 0.0718% | 5,068 |
| Noninterest expense to average assets | 3.3267% | 1,212 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | -0.1335% | 5,091 |
| Return on assets (ROA) | -0.1335% | 5,098 |
| Pretax return on assets | -0.1335% | 5,093 |
| Return on Equity (ROE) | -0.6454% | 5,087 |
| Retained earnings to average equity (ytd only) | -0.6454% | 4,822 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.1801% | 124 |
| Assets per employee ($millions) | 3.3210% | 4,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6084% | 4,801 |
| Loan loss allowance to noncurrent loans | 106.3830% | 3,220 |
| Noncurrent assets plus other real estate owned to assets | 0.3538% | 3,090 |
| Noncurrent loans to loans | 0.5719% | 2,583 |
| Net loans and leases to total assets | 61.4875% | 3,544 |
| Net loans and leases to deposits | 127.7647% | 55 |
| Net loans and leases to core deposits | 127.7647% | 335 |
| Total domestic deposits to total assets | 48.1256% | 5,207 |
| Equity capital to assets | 20.1897% | 250 |
| Core capital (leverage) ratio | 20.5461% | 229 |
| Tier 1 risk-based capital ratio | 43.4342% | 191 |
| Total risk-based capital ratio | 44.2518% | 194 |
| Memoranda: | ||
| Average total assets | $12,985,500 | 5,239 |
| Average earning assets | $11,984,250 | 5,228 |
| Average equity | $2,685,000 | 5,165 |
| Average total loans | $8,209,750 | 5,167 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4706% | 3,102 |
| Cost of funding earning assets | 0.9377% | 1,975 |
| Net interest margin | 3.5330% | 3,492 |
| Noninterest income to average assets | 0.0621% | 5,128 |
| Noninterest expense to average assets | 3.2594% | 1,362 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.0776% | 5,073 |
| Return on assets (ROA) | 0.0776% | 5,081 |
| Pretax return on assets | 0.0776% | 5,081 |
| Return on Equity (ROE) | 0.3723% | 5,092 |
| Retained earnings to average equity (ytd only) | 0.3723% | 4,599 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.6744% | 182 |
| Assets per employee ($millions) | 3.2143% | 4,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6210% | 4,837 |
| Loan loss allowance to noncurrent loans | 104.1667% | 3,280 |
| Noncurrent assets plus other real estate owned to assets | 0.3733% | 3,017 |
| Noncurrent loans to loans | 0.5962% | 2,485 |
| Net loans and leases to total assets | 62.2307% | 3,518 |
| Net loans and leases to deposits | 133.8855% | 33 |
| Net loans and leases to core deposits | 133.8855% | 262 |
| Total domestic deposits to total assets | 46.4805% | 5,256 |
| Equity capital to assets | 20.9225% | 209 |
| Core capital (leverage) ratio | 20.7415% | 209 |
| Tier 1 risk-based capital ratio | 44.6634% | 179 |
| Total risk-based capital ratio | 45.4986% | 178 |
| Memoranda: | ||
| Average total assets | $12,886,000 | 5,288 |
| Average earning assets | $11,944,670 | 5,275 |
| Average equity | $2,686,000 | 5,206 |
| Average total loans | $8,207,000 | 5,214 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3725% | 3,327 |
| Cost of funding earning assets | 0.9346% | 1,867 |
| Net interest margin | 3.4379% | 3,783 |
| Noninterest income to average assets | 0.0310% | 5,260 |
| Noninterest expense to average assets | 3.0393% | 1,879 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.1861% | 5,019 |
| Return on assets (ROA) | 0.1861% | 5,027 |
| Pretax return on assets | 0.1861% | 5,042 |
| Return on Equity (ROE) | 0.8950% | 5,085 |
| Retained earnings to average equity (ytd only) | 0.8950% | 4,338 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2308% | 268 |
| Assets per employee ($millions) | 3.2393% | 4,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6004% | 4,936 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 63.8882% | 3,298 |
| Net loans and leases to deposits | 136.3082% | 27 |
| Net loans and leases to core deposits | 136.3082% | 230 |
| Total domestic deposits to total assets | 46.8704% | 5,318 |
| Equity capital to assets | 20.7841% | 212 |
| Core capital (leverage) ratio | 20.7089% | 212 |
| Tier 1 risk-based capital ratio | 44.7791% | 173 |
| Total risk-based capital ratio | 45.6158% | 175 |
| Memoranda: | ||
| Average total assets | $12,897,500 | 5,346 |
| Average earning assets | $11,984,000 | 5,332 |
| Average equity | $2,681,500 | 5,262 |
| Average total loans | $8,285,000 | 5,273 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1722% | 3,520 |
| Cost of funding earning assets | 0.7776% | 1,645 |
| Net interest margin | 3.3946% | 4,012 |
| Noninterest income to average assets | 0.2391% | 4,483 |
| Noninterest expense to average assets | 3.7181% | 755 |
| Loan and lease loss provision to assets | 0.1543% | 1,367 |
| Net operating income to assets | -0.5014% | 5,318 |
| Return on assets (ROA) | -0.5014% | 5,311 |
| Pretax return on assets | -0.5014% | 5,310 |
| Return on Equity (ROE) | -2.4047% | 5,278 |
| Retained earnings to average equity (ytd only) | -2.4047% | 5,148 |
| Net charge-offs to loans | 0.2465% | 785 |
| Credit loss provision to net charge-offs | 100.0000% | 2,510 |
| Earnings coverage of net charge-offs (x) | -2.2500% | 3,738 |
| Efficiency ratio | 110.2975% | 83 |
| Assets per employee ($millions) | 3.2095% | 4,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6066% | 4,957 |
| Loan loss allowance to noncurrent loans | 23.4742% | 4,719 |
| Noncurrent assets plus other real estate owned to assets | 1.6591% | 656 |
| Noncurrent loans to loans | 2.5843% | 460 |
| Net loans and leases to total assets | 63.8106% | 3,378 |
| Net loans and leases to deposits | 136.7156% | 26 |
| Net loans and leases to core deposits | 136.7156% | 234 |
| Total domestic deposits to total assets | 46.6739% | 5,362 |
| Equity capital to assets | 20.7976% | 201 |
| Core capital (leverage) ratio | 20.7060% | 207 |
| Tier 1 risk-based capital ratio | 44.5799% | 179 |
| Total risk-based capital ratio | 45.4151% | 181 |
| Memoranda: | ||
| Average total assets | $12,963,600 | 5,389 |
| Average earning assets | $11,960,200 | 5,379 |
| Average equity | $2,703,000 | 5,306 |
| Average total loans | $8,113,200 | 5,322 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1531% | 3,448 |
| Cost of funding earning assets | 0.7571% | 1,553 |
| Net interest margin | 3.3960% | 4,016 |
| Noninterest income to average assets | 0.0821% | 5,268 |
| Noninterest expense to average assets | 3.6629% | 791 |
| Loan and lease loss provision to assets | 0.2052% | 831 |
| Net operating income to assets | -0.6566% | 5,403 |
| Return on assets (ROA) | -0.6566% | 5,397 |
| Pretax return on assets | -0.6566% | 5,398 |
| Return on Equity (ROE) | -3.1473% | 5,374 |
| Retained earnings to average equity (ytd only) | -3.1473% | 5,258 |
| Net charge-offs to loans | 0.3300% | 506 |
| Credit loss provision to net charge-offs | 100.0000% | 2,247 |
| Earnings coverage of net charge-offs (x) | -2.1999% | 3,445 |
| Efficiency ratio | 114.0575% | 71 |
| Assets per employee ($millions) | 3.2248% | 4,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6069% | 5,033 |
| Loan loss allowance to noncurrent loans | 23.1481% | 4,840 |
| Noncurrent assets plus other real estate owned to assets | 1.8916% | 591 |
| Noncurrent loans to loans | 2.6217% | 479 |
| Net loans and leases to total assets | 63.4855% | 3,488 |
| Net loans and leases to deposits | 135.7143% | 31 |
| Net loans and leases to core deposits | 135.7143% | 247 |
| Total domestic deposits to total assets | 46.7788% | 5,433 |
| Equity capital to assets | 20.7303% | 202 |
| Core capital (leverage) ratio | 20.4880% | 218 |
| Tier 1 risk-based capital ratio | 43.6346% | 181 |
| Total risk-based capital ratio | 44.4844% | 185 |
| Memoranda: | ||
| Average total assets | $12,995,000 | 5,461 |
| Average earning assets | $11,974,750 | 5,450 |
| Average equity | $2,711,250 | 5,372 |
| Average total loans | $8,081,000 | 5,392 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1292% | 3,347 |
| Cost of funding earning assets | 0.7160% | 1,540 |
| Net interest margin | 3.4133% | 3,912 |
| Noninterest income to average assets | 0.0614% | 5,374 |
| Noninterest expense to average assets | 3.6847% | 779 |
| Loan and lease loss provision to assets | 0.3224% | 425 |
| Net operating income to assets | -0.7983% | 5,464 |
| Return on assets (ROA) | -0.7983% | 5,458 |
| Pretax return on assets | -0.7983% | 5,458 |
| Return on Equity (ROE) | -3.8184% | 5,424 |
| Retained earnings to average equity (ytd only) | -3.8184% | 5,245 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.8325% | 78 |
| Assets per employee ($millions) | 3.2988% | 4,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8876% | 4,396 |
| Loan loss allowance to noncurrent loans | 43.5583% | 4,529 |
| Noncurrent assets plus other real estate owned to assets | 1.4020% | 987 |
| Noncurrent loans to loans | 2.0378% | 730 |
| Net loans and leases to total assets | 60.0834% | 3,800 |
| Net loans and leases to deposits | 125.4232% | 68 |
| Net loans and leases to core deposits | 125.4232% | 426 |
| Total domestic deposits to total assets | 47.9045% | 5,496 |
| Equity capital to assets | 20.3789% | 211 |
| Core capital (leverage) ratio | 20.2185% | 217 |
| Tier 1 risk-based capital ratio | 43.8255% | 186 |
| Total risk-based capital ratio | 45.0343% | 182 |
| Memoranda: | ||
| Average total assets | $13,027,000 | 5,525 |
| Average earning assets | $12,012,000 | 5,514 |
| Average equity | $2,723,670 | 5,436 |
| Average total loans | $8,028,330 | 5,455 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1719% | 2,979 |
| Cost of funding earning assets | 0.6008% | 2,050 |
| Net interest margin | 3.5711% | 3,280 |
| Noninterest income to average assets | 0.0925% | 5,358 |
| Noninterest expense to average assets | 3.3914% | 1,178 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.0000% | 5,387 |
| Return on assets (ROA) | 0.0000% | 5,384 |
| Pretax return on assets | 0.0000% | 5,388 |
| Return on Equity (ROE) | 0.0000% | 5,384 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,803 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 174 |
| Assets per employee ($millions) | 3.3670% | 4,828 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6220% | 5,149 |
| Loan loss allowance to noncurrent loans | 29.5858% | 4,816 |
| Noncurrent assets plus other real estate owned to assets | 1.6706% | 784 |
| Noncurrent loans to loans | 2.1023% | 739 |
| Net loans and leases to total assets | 59.3184% | 3,813 |
| Net loans and leases to deposits | 124.4586% | 73 |
| Net loans and leases to core deposits | 124.4586% | 463 |
| Total domestic deposits to total assets | 47.6611% | 5,557 |
| Equity capital to assets | 20.5376% | 197 |
| Core capital (leverage) ratio | 21.5967% | 164 |
| Tier 1 risk-based capital ratio | 45.9720% | 164 |
| Total risk-based capital ratio | 46.8375% | 164 |
| Memoranda: | ||
| Average total assets | $12,974,000 | 5,587 |
| Average earning assets | $11,985,000 | 5,576 |
| Average equity | $2,772,000 | 5,486 |
| Average total loans | $8,043,000 | 5,514 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9666% | 3,516 |
| Cost of funding earning assets | 0.5075% | 2,264 |
| Net interest margin | 3.4592% | 3,658 |
| Noninterest income to average assets | 0.2966% | 4,327 |
| Noninterest expense to average assets | 3.5900% | 905 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.0000% | 5,360 |
| Return on assets (ROA) | 0.0000% | 5,361 |
| Pretax return on assets | -0.1015% | 5,468 |
| Return on Equity (ROE) | 0.0000% | 5,361 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,012 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.9083% | 142 |
| Assets per employee ($millions) | 4.1600% | 3,719 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6213% | 5,202 |
| Loan loss allowance to noncurrent loans | 13.0548% | 5,026 |
| Noncurrent assets plus other real estate owned to assets | 3.4295% | 199 |
| Noncurrent loans to loans | 4.7595% | 153 |
| Net loans and leases to total assets | 64.0785% | 3,356 |
| Net loans and leases to deposits | 124.5445% | 73 |
| Net loans and leases to core deposits | 124.5445% | 470 |
| Total domestic deposits to total assets | 51.4503% | 5,620 |
| Equity capital to assets | 22.2596% | 146 |
| Core capital (leverage) ratio | 22.0652% | 140 |
| Tier 1 risk-based capital ratio | 46.8305% | 140 |
| Total risk-based capital ratio | 47.8136% | 143 |
| Memoranda: | ||
| Average total assets | $12,813,200 | 5,652 |
| Average earning assets | $11,823,600 | 5,641 |
| Average equity | $2,762,600 | 5,545 |
| Average total loans | $7,900,000 | 5,578 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9489% | 3,522 |
| Cost of funding earning assets | 0.4923% | 2,336 |
| Net interest margin | 3.4567% | 3,649 |
| Noninterest income to average assets | 0.0930% | 5,499 |
| Noninterest expense to average assets | 3.6185% | 846 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -0.3309% | 5,605 |
| Return on assets (ROA) | -0.3309% | 5,604 |
| Pretax return on assets | -0.3309% | 5,595 |
| Return on Equity (ROE) | -1.5467% | 5,577 |
| Retained earnings to average equity (ytd only) | -1.5467% | 5,396 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.0629% | 98 |
| Assets per employee ($millions) | 3.1855% | 5,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6266% | 5,280 |
| Loan loss allowance to noncurrent loans | 37.3134% | 4,811 |
| Noncurrent assets plus other real estate owned to assets | 1.0516% | 1,602 |
| Noncurrent loans to loans | 1.6792% | 1,083 |
| Net loans and leases to total assets | 62.2351% | 3,627 |
| Net loans and leases to deposits | 118.6770% | 117 |
| Net loans and leases to core deposits | 118.6770% | 630 |
| Total domestic deposits to total assets | 52.4407% | 5,687 |
| Equity capital to assets | 21.5586% | 168 |
| Core capital (leverage) ratio | 21.0170% | 174 |
| Tier 1 risk-based capital ratio | 46.8691% | 150 |
| Total risk-based capital ratio | 47.8984% | 149 |
| Memoranda: | ||
| Average total assets | $12,896,500 | 5,716 |
| Average earning assets | $11,918,500 | 5,704 |
| Average equity | $2,758,750 | 5,608 |
| Average total loans | $7,863,250 | 5,642 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8655% | 3,665 |
| Cost of funding earning assets | 0.4685% | 2,424 |
| Net interest margin | 3.3969% | 3,779 |
| Noninterest income to average assets | 0.0772% | 5,577 |
| Noninterest expense to average assets | 3.6454% | 825 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -0.4325% | 5,672 |
| Return on assets (ROA) | -0.4325% | 5,670 |
| Pretax return on assets | -0.4325% | 5,656 |
| Return on Equity (ROE) | -2.0270% | 5,624 |
| Retained earnings to average equity (ytd only) | -2.0270% | 5,350 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.4615% | 91 |
| Assets per employee ($millions) | 3.2645% | 5,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6329% | 5,329 |
| Loan loss allowance to noncurrent loans | 131.5789% | 3,040 |
| Noncurrent assets plus other real estate owned to assets | 0.2910% | 3,974 |
| Noncurrent loans to loans | 0.4810% | 3,307 |
| Net loans and leases to total assets | 60.1164% | 3,835 |
| Net loans and leases to deposits | 116.0213% | 154 |
| Net loans and leases to core deposits | 116.0213% | 710 |
| Total domestic deposits to total assets | 51.8150% | 5,732 |
| Equity capital to assets | 21.0216% | 182 |
| Core capital (leverage) ratio | 20.9932% | 169 |
| Tier 1 risk-based capital ratio | 46.5532% | 152 |
| Total risk-based capital ratio | 47.5234% | 150 |
| Memoranda: | ||
| Average total assets | $12,948,000 | 5,765 |
| Average earning assets | $11,952,000 | 5,754 |
| Average equity | $2,762,670 | 5,657 |
| Average total loans | $7,824,330 | 5,691 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8353% | 3,639 |
| Cost of funding earning assets | 0.4710% | 2,343 |
| Net interest margin | 3.3643% | 3,787 |
| Noninterest income to average assets | 0.0620% | 5,699 |
| Noninterest expense to average assets | 3.7540% | 721 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.5895% | 5,749 |
| Return on assets (ROA) | -0.5895% | 5,747 |
| Pretax return on assets | -0.5895% | 5,741 |
| Return on Equity (ROE) | -2.7422% | 5,702 |
| Retained earnings to average equity (ytd only) | -2.7422% | 5,239 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.6275% | 77 |
| Assets per employee ($millions) | 3.2540% | 5,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6509% | 5,401 |
| Loan loss allowance to noncurrent loans | 131.5789% | 3,094 |
| Noncurrent assets plus other real estate owned to assets | 0.8297% | 2,225 |
| Noncurrent loans to loans | 0.4947% | 3,321 |
| Net loans and leases to total assets | 58.6355% | 3,920 |
| Net loans and leases to deposits | 113.8255% | 150 |
| Net loans and leases to core deposits | 113.8255% | 684 |
| Total domestic deposits to total assets | 51.5135% | 5,801 |
| Equity capital to assets | 21.1816% | 164 |
| Core capital (leverage) ratio | 21.3619% | 153 |
| Tier 1 risk-based capital ratio | 46.9552% | 156 |
| Total risk-based capital ratio | 47.9473% | 156 |
| Memoranda: | ||
| Average total assets | $12,893,000 | 5,835 |
| Average earning assets | $11,889,500 | 5,822 |
| Average equity | $2,771,500 | 5,719 |
| Average total loans | $7,786,500 | 5,760 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9348% | 3,440 |
| Cost of funding earning assets | 0.5072% | 2,032 |
| Net interest margin | 3.4276% | 3,718 |
| Noninterest income to average assets | 0.1061% | 5,627 |
| Noninterest expense to average assets | 3.4930% | 1,171 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -0.2002% | 5,717 |
| Return on assets (ROA) | -0.2500% | 5,740 |
| Pretax return on assets | -0.2652% | 5,731 |
| Return on Equity (ROE) | -1.1842% | 5,714 |
| Retained earnings to average equity (ytd only) | -1.1842% | 5,467 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.4665% | 154 |
| Assets per employee ($millions) | 3.1925% | 5,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6336% | 5,477 |
| Loan loss allowance to noncurrent loans | 131.5789% | 3,072 |
| Noncurrent assets plus other real estate owned to assets | 0.8457% | 2,233 |
| Noncurrent loans to loans | 0.4816% | 3,428 |
| Net loans and leases to total assets | 61.4017% | 3,669 |
| Net loans and leases to deposits | 121.8871% | 75 |
| Net loans and leases to core deposits | 121.8871% | 436 |
| Total domestic deposits to total assets | 50.3759% | 5,863 |
| Equity capital to assets | 21.8168% | 156 |
| Core capital (leverage) ratio | 20.8434% | 171 |
| Tier 1 risk-based capital ratio | 47.4987% | 153 |
| Total risk-based capital ratio | 48.6333% | 152 |
| Memoranda: | ||
| Average total assets | $13,197,800 | 5,891 |
| Average earning assets | $12,224,200 | 5,879 |
| Average equity | $2,786,600 | 5,774 |
| Average total loans | $8,181,600 | 5,807 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9254% | 3,507 |
| Cost of funding earning assets | 0.5083% | 2,032 |
| Net interest margin | 3.4171% | 3,789 |
| Noninterest income to average assets | 0.0701% | 5,789 |
| Noninterest expense to average assets | 3.4774% | 1,191 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.2247% | 5,802 |
| Return on assets (ROA) | -0.2906% | 5,829 |
| Pretax return on assets | -0.3107% | 5,818 |
| Return on Equity (ROE) | -1.3876% | 5,798 |
| Retained earnings to average equity (ytd only) | -1.3876% | 5,538 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.4303% | 140 |
| Assets per employee ($millions) | 3.3370% | 5,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6319% | 5,562 |
| Loan loss allowance to noncurrent loans | 18.3150% | 5,335 |
| Noncurrent assets plus other real estate owned to assets | 2.0453% | 761 |
| Noncurrent loans to loans | 3.4500% | 380 |
| Net loans and leases to total assets | 58.9077% | 4,003 |
| Net loans and leases to deposits | 120.6537% | 107 |
| Net loans and leases to core deposits | 120.6537% | 486 |
| Total domestic deposits to total assets | 48.8238% | 5,930 |
| Equity capital to assets | 20.7672% | 206 |
| Core capital (leverage) ratio | 20.8941% | 172 |
| Tier 1 risk-based capital ratio | 47.2426% | 157 |
| Total risk-based capital ratio | 48.1475% | 160 |
| Memoranda: | ||
| Average total assets | $13,304,750 | 5,956 |
| Average earning assets | $12,329,750 | 5,945 |
| Average equity | $2,786,750 | 5,839 |
| Average total loans | $8,254,250 | 5,868 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9463% | 3,443 |
| Cost of funding earning assets | 0.5014% | 2,093 |
| Net interest margin | 3.4449% | 3,708 |
| Noninterest income to average assets | 0.0602% | 5,890 |
| Noninterest expense to average assets | 3.4311% | 1,310 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.1470% | 5,836 |
| Return on assets (ROA) | -0.2408% | 5,876 |
| Pretax return on assets | -0.2709% | 5,873 |
| Return on Equity (ROE) | -1.1463% | 5,846 |
| Retained earnings to average equity (ytd only) | -1.1463% | 5,457 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.0691% | 180 |
| Assets per employee ($millions) | 3.3003% | 5,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6210% | 5,652 |
| Loan loss allowance to noncurrent loans | 18.8679% | 5,426 |
| Noncurrent assets plus other real estate owned to assets | 2.0074% | 817 |
| Noncurrent loans to loans | 3.2911% | 420 |
| Net loans and leases to total assets | 60.6166% | 3,800 |
| Net loans and leases to deposits | 125.7583% | 63 |
| Net loans and leases to core deposits | 125.7583% | 374 |
| Total domestic deposits to total assets | 48.2009% | 6,009 |
| Equity capital to assets | 21.1120% | 179 |
| Core capital (leverage) ratio | 20.9653% | 162 |
| Tier 1 risk-based capital ratio | 47.4727% | 157 |
| Total risk-based capital ratio | 48.4119% | 155 |
| Memoranda: | ||
| Average total assets | $13,290,330 | 6,035 |
| Average earning assets | $12,366,000 | 6,024 |
| Average equity | $2,791,670 | 5,911 |
| Average total loans | $8,368,000 | 5,939 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9620% | 3,356 |
| Cost of funding earning assets | 0.5154% | 1,983 |
| Net interest margin | 3.4466% | 3,682 |
| Noninterest income to average assets | 0.0600% | 5,936 |
| Noninterest expense to average assets | 3.4796% | 1,221 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.1794% | 5,878 |
| Return on assets (ROA) | -0.3600% | 5,941 |
| Pretax return on assets | -0.4199% | 5,944 |
| Return on Equity (ROE) | -1.7180% | 5,898 |
| Retained earnings to average equity (ytd only) | -1.7180% | 5,358 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.4220% | 190 |
| Assets per employee ($millions) | 3.3140% | 5,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5955% | 5,750 |
| Loan loss allowance to noncurrent loans | 18.7266% | 5,455 |
| Noncurrent assets plus other real estate owned to assets | 2.0142% | 856 |
| Noncurrent loans to loans | 3.1801% | 479 |
| Net loans and leases to total assets | 62.9602% | 3,394 |
| Net loans and leases to deposits | 130.0203% | 37 |
| Net loans and leases to core deposits | 130.0203% | 271 |
| Total domestic deposits to total assets | 48.4234% | 6,073 |
| Equity capital to assets | 21.0244% | 180 |
| Core capital (leverage) ratio | 20.8946% | 165 |
| Tier 1 risk-based capital ratio | 46.1768% | 160 |
| Total risk-based capital ratio | 47.0393% | 160 |
| Memoranda: | ||
| Average total assets | $13,335,000 | 6,096 |
| Average earning assets | $12,418,000 | 6,084 |
| Average equity | $2,794,000 | 5,966 |
| Average total loans | $8,526,000 | 5,992 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0304% | 3,197 |
| Cost of funding earning assets | 0.4771% | 2,376 |
| Net interest margin | 3.5533% | 3,312 |
| Noninterest income to average assets | 0.0916% | 5,900 |
| Noninterest expense to average assets | 3.3876% | 1,510 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.0006% | 5,870 |
| Return on assets (ROA) | -0.1373% | 5,958 |
| Pretax return on assets | -0.2136% | 5,967 |
| Return on Equity (ROE) | -0.6388% | 5,927 |
| Retained earnings to average equity (ytd only) | -0.6388% | 5,614 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 281 |
| Assets per employee ($millions) | 3.3535% | 5,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5776% | 5,824 |
| Loan loss allowance to noncurrent loans | 29.4118% | 5,339 |
| Noncurrent assets plus other real estate owned to assets | 1.2673% | 1,684 |
| Noncurrent loans to loans | 1.9640% | 1,074 |
| Net loans and leases to total assets | 64.1569% | 3,251 |
| Net loans and leases to deposits | 131.0292% | 44 |
| Net loans and leases to core deposits | 131.0292% | 254 |
| Total domestic deposits to total assets | 48.9638% | 6,129 |
| Equity capital to assets | 20.8812% | 185 |
| Core capital (leverage) ratio | 20.9047% | 162 |
| Tier 1 risk-based capital ratio | 45.2281% | 165 |
| Total risk-based capital ratio | 46.1016% | 169 |
| Memoranda: | ||
| Average total assets | $13,106,600 | 6,159 |
| Average earning assets | $12,157,600 | 6,144 |
| Average equity | $2,817,800 | 6,022 |
| Average total loans | $8,060,000 | 6,061 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0436% | 3,152 |
| Cost of funding earning assets | 0.4640% | 2,543 |
| Net interest margin | 3.5796% | 3,238 |
| Noninterest income to average assets | 0.1126% | 5,904 |
| Noninterest expense to average assets | 3.3768% | 1,520 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.0446% | 5,898 |
| Return on assets (ROA) | -0.1126% | 6,032 |
| Pretax return on assets | -0.1945% | 6,047 |
| Return on Equity (ROE) | -0.5198% | 6,000 |
| Retained earnings to average equity (ytd only) | -0.5198% | 5,697 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.5075% | 337 |
| Assets per employee ($millions) | 3.3705% | 5,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5986% | 5,896 |
| Loan loss allowance to noncurrent loans | 90.9091% | 3,879 |
| Noncurrent assets plus other real estate owned to assets | 0.4080% | 4,144 |
| Noncurrent loans to loans | 0.6584% | 3,353 |
| Net loans and leases to total assets | 61.5858% | 3,663 |
| Net loans and leases to deposits | 125.7649% | 64 |
| Net loans and leases to core deposits | 125.7649% | 341 |
| Total domestic deposits to total assets | 48.9690% | 6,215 |
| Equity capital to assets | 20.8649% | 200 |
| Core capital (leverage) ratio | 21.4987% | 155 |
| Tier 1 risk-based capital ratio | 44.6836% | 187 |
| Total risk-based capital ratio | 45.5922% | 188 |
| Memoranda: | ||
| Average total assets | $13,029,750 | 6,244 |
| Average earning assets | $12,068,250 | 6,231 |
| Average equity | $2,822,000 | 6,105 |
| Average total loans | $7,911,000 | 6,148 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0517% | 3,065 |
| Cost of funding earning assets | 0.4539% | 2,679 |
| Net interest margin | 3.5977% | 3,105 |
| Noninterest income to average assets | 0.1242% | 5,928 |
| Noninterest expense to average assets | 3.3232% | 1,639 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.1553% | 5,798 |
| Return on assets (ROA) | 0.0466% | 5,981 |
| Pretax return on assets | 0.0155% | 6,003 |
| Return on Equity (ROE) | 0.2124% | 6,002 |
| Retained earnings to average equity (ytd only) | 0.2124% | 5,439 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.3964% | 427 |
| Assets per employee ($millions) | 3.1988% | 5,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6310% | 5,922 |
| Loan loss allowance to noncurrent loans | 56.8182% | 4,820 |
| Noncurrent assets plus other real estate owned to assets | 0.6878% | 3,340 |
| Noncurrent loans to loans | 1.1106% | 2,437 |
| Net loans and leases to total assets | 61.5397% | 3,619 |
| Net loans and leases to deposits | 120.1220% | 96 |
| Net loans and leases to core deposits | 120.1220% | 463 |
| Total domestic deposits to total assets | 51.2309% | 6,286 |
| Equity capital to assets | 22.0946% | 149 |
| Core capital (leverage) ratio | 21.8830% | 137 |
| Tier 1 risk-based capital ratio | 47.0048% | 175 |
| Total risk-based capital ratio | 47.9559% | 175 |
| Memoranda: | ||
| Average total assets | $12,879,000 | 6,322 |
| Average earning assets | $11,896,330 | 6,305 |
| Average equity | $2,825,000 | 6,170 |
| Average total loans | $7,763,670 | 6,222 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9793% | 3,302 |
| Cost of funding earning assets | 0.4681% | 2,579 |
| Net interest margin | 3.5111% | 3,387 |
| Noninterest income to average assets | 0.1238% | 5,980 |
| Noninterest expense to average assets | 3.3124% | 1,693 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.0619% | 5,941 |
| Return on assets (ROA) | 0.0000% | 6,054 |
| Pretax return on assets | 0.0000% | 6,047 |
| Return on Equity (ROE) | 0.0000% | 6,055 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,366 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.1651% | 428 |
| Assets per employee ($millions) | 3.2748% | 5,285 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6495% | 5,989 |
| Loan loss allowance to noncurrent loans | 84.7458% | 4,052 |
| Noncurrent assets plus other real estate owned to assets | 0.4504% | 4,235 |
| Noncurrent loans to loans | 0.7664% | 3,340 |
| Net loans and leases to total assets | 58.3861% | 3,889 |
| Net loans and leases to deposits | 111.6170% | 187 |
| Net loans and leases to core deposits | 111.6170% | 674 |
| Total domestic deposits to total assets | 52.3093% | 6,357 |
| Equity capital to assets | 21.5665% | 166 |
| Core capital (leverage) ratio | 21.7549% | 140 |
| Tier 1 risk-based capital ratio | 47.9959% | 162 |
| Total risk-based capital ratio | 48.9681% | 164 |
| Memoranda: | ||
| Average total assets | $12,921,000 | 6,390 |
| Average earning assets | $11,962,000 | 6,374 |
| Average equity | $2,824,000 | 6,233 |
| Average total loans | $7,683,500 | 6,293 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3134% | 2,556 |
| Cost of funding earning assets | 0.5361% | 2,323 |
| Net interest margin | 3.7773% | 2,703 |
| Noninterest income to average assets | 0.0680% | 6,248 |
| Noninterest expense to average assets | 3.1974% | 2,220 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.3587% | 5,354 |
| Return on assets (ROA) | 0.6047% | 4,438 |
| Pretax return on assets | 0.6501% | 4,783 |
| Return on Equity (ROE) | 2.8717% | 5,520 |
| Retained earnings to average equity (ytd only) | 2.8717% | 4,192 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2405% | 892 |
| Assets per employee ($millions) | 4.2477% | 3,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6520% | 6,070 |
| Loan loss allowance to noncurrent loans | 21.0084% | 5,818 |
| Noncurrent assets plus other real estate owned to assets | 1.8677% | 1,383 |
| Noncurrent loans to loans | 3.1034% | 718 |
| Net loans and leases to total assets | 59.7897% | 3,818 |
| Net loans and leases to deposits | 116.9814% | 127 |
| Net loans and leases to core deposits | 116.9814% | 500 |
| Total domestic deposits to total assets | 51.1104% | 6,446 |
| Equity capital to assets | 22.1533% | 147 |
| Core capital (leverage) ratio | 22.0827% | 139 |
| Tier 1 risk-based capital ratio | 47.0805% | 152 |
| Total risk-based capital ratio | 48.0174% | 155 |
| Memoranda: | ||
| Average total assets | $13,229,600 | 6,477 |
| Average earning assets | $12,310,400 | 6,460 |
| Average equity | $2,785,800 | 6,305 |
| Average total loans | $7,899,600 | 6,373 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3718% | 2,338 |
| Cost of funding earning assets | 0.5371% | 2,399 |
| Net interest margin | 3.8348% | 2,495 |
| Noninterest income to average assets | 0.0799% | 6,305 |
| Noninterest expense to average assets | 3.1757% | 2,250 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4694% | 4,995 |
| Return on assets (ROA) | 0.4594% | 5,112 |
| Pretax return on assets | 0.4594% | 5,436 |
| Return on Equity (ROE) | 2.2089% | 5,785 |
| Retained earnings to average equity (ytd only) | 2.2089% | 4,951 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1233% | 1,085 |
| Assets per employee ($millions) | 3.2683% | 5,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6319% | 6,186 |
| Loan loss allowance to noncurrent loans | 90.9091% | 3,890 |
| Noncurrent assets plus other real estate owned to assets | 0.4207% | 4,656 |
| Noncurrent loans to loans | 0.6951% | 3,873 |
| Net loans and leases to total assets | 60.1469% | 3,762 |
| Net loans and leases to deposits | 117.1833% | 117 |
| Net loans and leases to core deposits | 117.1833% | 459 |
| Total domestic deposits to total assets | 51.3272% | 6,525 |
| Equity capital to assets | 21.3723% | 177 |
| Core capital (leverage) ratio | 21.2652% | 165 |
| Tier 1 risk-based capital ratio | 42.7495% | 203 |
| Total risk-based capital ratio | 43.6568% | 204 |
| Memoranda: | ||
| Average total assets | $13,351,250 | 6,555 |
| Average earning assets | $12,412,500 | 6,538 |
| Average equity | $2,776,500 | 6,380 |
| Average total loans | $7,957,250 | 6,444 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3831% | 2,246 |
| Cost of funding earning assets | 0.5439% | 2,398 |
| Net interest margin | 3.8392% | 2,415 |
| Noninterest income to average assets | 0.0893% | 6,318 |
| Noninterest expense to average assets | 3.1389% | 2,362 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5356% | 4,668 |
| Return on assets (ROA) | 0.5207% | 4,818 |
| Pretax return on assets | 0.5058% | 5,260 |
| Return on Equity (ROE) | 2.5265% | 5,680 |
| Retained earnings to average equity (ytd only) | 2.5265% | 4,592 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7724% | 1,292 |
| Assets per employee ($millions) | 3.3348% | 5,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6301% | 6,274 |
| Loan loss allowance to noncurrent loans | 89.2857% | 3,905 |
| Noncurrent assets plus other real estate owned to assets | 0.4198% | 4,748 |
| Noncurrent loans to loans | 0.7057% | 3,943 |
| Net loans and leases to total assets | 59.1124% | 3,847 |
| Net loans and leases to deposits | 112.9333% | 149 |
| Net loans and leases to core deposits | 112.9333% | 571 |
| Total domestic deposits to total assets | 52.3428% | 6,593 |
| Equity capital to assets | 20.9386% | 176 |
| Core capital (leverage) ratio | 20.7587% | 175 |
| Tier 1 risk-based capital ratio | 41.2914% | 218 |
| Total risk-based capital ratio | 42.2756% | 218 |
| Memoranda: | ||
| Average total assets | $13,444,000 | 6,620 |
| Average earning assets | $12,502,670 | 6,604 |
| Average equity | $2,770,670 | 6,435 |
| Average total loans | $7,972,000 | 6,507 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1911% | 2,913 |
| Cost of funding earning assets | 0.5398% | 2,508 |
| Net interest margin | 3.6514% | 3,053 |
| Noninterest income to average assets | 0.0889% | 6,367 |
| Noninterest expense to average assets | 3.1712% | 2,322 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3556% | 5,294 |
| Return on assets (ROA) | 0.3260% | 5,458 |
| Pretax return on assets | 0.2964% | 5,726 |
| Return on Equity (ROE) | 1.5945% | 5,902 |
| Retained earnings to average equity (ytd only) | 1.5945% | 4,974 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6780% | 975 |
| Assets per employee ($millions) | 3.3565% | 5,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6188% | 6,383 |
| Loan loss allowance to noncurrent loans | 40.3226% | 5,563 |
| Noncurrent assets plus other real estate owned to assets | 0.9236% | 3,423 |
| Noncurrent loans to loans | 1.5347% | 2,506 |
| Net loans and leases to total assets | 59.8093% | 3,593 |
| Net loans and leases to deposits | 113.2581% | 110 |
| Net loans and leases to core deposits | 114.8620% | 432 |
| Total domestic deposits to total assets | 52.8080% | 6,663 |
| Equity capital to assets | 20.6242% | 187 |
| Core capital (leverage) ratio | 20.4454% | 187 |
| Tier 1 risk-based capital ratio | 40.3914% | 229 |
| Total risk-based capital ratio | 41.3626% | 228 |
| Memoranda: | ||
| Average total assets | $13,496,500 | 6,693 |
| Average earning assets | $12,598,000 | 6,676 |
| Average equity | $2,759,500 | 6,497 |
| Average total loans | $7,990,500 | 6,576 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1774% | 3,425 |
| Cost of funding earning assets | 0.6037% | 2,628 |
| Net interest margin | 3.5737% | 3,583 |
| Noninterest income to average assets | 0.0670% | 6,496 |
| Noninterest expense to average assets | 3.1994% | 2,423 |
| Loan and lease loss provision to assets | -0.1414% | 6,533 |
| Net operating income to assets | 0.2881% | 5,563 |
| Return on assets (ROA) | 0.1786% | 5,940 |
| Pretax return on assets | 0.1935% | 5,953 |
| Return on Equity (ROE) | 0.8775% | 6,103 |
| Retained earnings to average equity (ytd only) | 0.8775% | 5,443 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.9227% | 703 |
| Assets per employee ($millions) | 4.5223% | 2,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6328% | 6,441 |
| Loan loss allowance to noncurrent loans | 24.6305% | 6,084 |
| Noncurrent assets plus other real estate owned to assets | 1.4963% | 2,478 |
| Noncurrent loans to loans | 2.5693% | 1,457 |
| Net loans and leases to total assets | 57.8684% | 4,055 |
| Net loans and leases to deposits | 108.1107% | 204 |
| Net loans and leases to core deposits | 109.6049% | 621 |
| Total domestic deposits to total assets | 53.5269% | 6,744 |
| Equity capital to assets | 20.2698% | 198 |
| Core capital (leverage) ratio | 20.1518% | 189 |
| Tier 1 risk-based capital ratio | 40.8731% | 217 |
| Total risk-based capital ratio | 41.7850% | 218 |
| Memoranda: | ||
| Average total assets | $13,440,000 | 6,774 |
| Average earning assets | $12,424,000 | 6,759 |
| Average equity | $2,735,000 | 6,582 |
| Average total loans | $7,570,400 | 6,665 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2049% | 3,378 |
| Cost of funding earning assets | 0.6146% | 2,689 |
| Net interest margin | 3.5903% | 3,486 |
| Noninterest income to average assets | -0.0895% | 6,806 |
| Noninterest expense to average assets | 3.1422% | 2,525 |
| Loan and lease loss provision to assets | -0.1889% | 6,713 |
| Net operating income to assets | 0.1924% | 5,932 |
| Return on assets (ROA) | 0.2983% | 5,737 |
| Pretax return on assets | 0.4177% | 5,582 |
| Return on Equity (ROE) | 1.4645% | 6,085 |
| Retained earnings to average equity (ytd only) | 1.4645% | 5,401 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5309% | 544 |
| Assets per employee ($millions) | 3.4098% | 5,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6617% | 6,484 |
| Loan loss allowance to noncurrent loans | 33.7838% | 5,853 |
| Noncurrent assets plus other real estate owned to assets | 1.0851% | 3,485 |
| Noncurrent loans to loans | 1.9587% | 2,297 |
| Net loans and leases to total assets | 55.0334% | 4,453 |
| Net loans and leases to deposits | 102.5270% | 353 |
| Net loans and leases to core deposits | 103.9324% | 881 |
| Total domestic deposits to total assets | 53.6770% | 6,822 |
| Equity capital to assets | 20.1114% | 210 |
| Core capital (leverage) ratio | 20.0968% | 199 |
| Tier 1 risk-based capital ratio | 41.1191% | 229 |
| Total risk-based capital ratio | 41.8992% | 230 |
| Memoranda: | ||
| Average total assets | $13,408,250 | 6,852 |
| Average earning assets | $12,366,250 | 6,837 |
| Average equity | $2,731,250 | 6,659 |
| Average total loans | $7,487,750 | 6,745 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1975% | 3,380 |
| Cost of funding earning assets | 0.6182% | 2,783 |
| Net interest margin | 3.5793% | 3,454 |
| Noninterest income to average assets | -0.1500% | 6,860 |
| Noninterest expense to average assets | 3.1055% | 2,646 |
| Loan and lease loss provision to assets | -0.1800% | 6,772 |
| Net operating income to assets | 0.2550% | 5,763 |
| Return on assets (ROA) | 0.4801% | 5,063 |
| Pretax return on assets | 0.4501% | 5,519 |
| Return on Equity (ROE) | 2.3466% | 5,847 |
| Retained earnings to average equity (ytd only) | 2.3466% | 4,797 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.5714% | 542 |
| Assets per employee ($millions) | 3.3895% | 5,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7592% | 6,420 |
| Loan loss allowance to noncurrent loans | 27.4038% | 6,109 |
| Noncurrent assets plus other real estate owned to assets | 2.1390% | 2,016 |
| Noncurrent loans to loans | 2.7704% | 1,637 |
| Net loans and leases to total assets | 54.9565% | 4,454 |
| Net loans and leases to deposits | 102.6167% | 309 |
| Net loans and leases to core deposits | 104.0352% | 839 |
| Total domestic deposits to total assets | 53.5551% | 6,870 |
| Equity capital to assets | 20.2463% | 196 |
| Core capital (leverage) ratio | 20.2242% | 182 |
| Tier 1 risk-based capital ratio | 40.2230% | 227 |
| Total risk-based capital ratio | 41.0885% | 232 |
| Memoranda: | ||
| Average total assets | $13,331,330 | 6,901 |
| Average earning assets | $12,293,000 | 6,887 |
| Average equity | $2,727,330 | 6,710 |
| Average total loans | $7,465,000 | 6,793 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1866% | 3,356 |
| Cost of funding earning assets | 0.6214% | 2,909 |
| Net interest margin | 3.5651% | 3,407 |
| Noninterest income to average assets | -0.0908% | 6,916 |
| Noninterest expense to average assets | 3.2985% | 2,087 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.0303% | 6,377 |
| Return on assets (ROA) | 0.4237% | 5,187 |
| Pretax return on assets | 0.3631% | 5,667 |
| Return on Equity (ROE) | 2.0600% | 5,918 |
| Retained earnings to average equity (ytd only) | 2.0600% | 4,971 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.8302% | 460 |
| Assets per employee ($millions) | 3.2555% | 5,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9289% | 6,187 |
| Loan loss allowance to noncurrent loans | 32.8571% | 5,921 |
| Noncurrent assets plus other real estate owned to assets | 2.3192% | 2,002 |
| Noncurrent loans to loans | 2.8271% | 1,791 |
| Net loans and leases to total assets | 56.5121% | 4,005 |
| Net loans and leases to deposits | 93.7691% | 682 |
| Net loans and leases to core deposits | 96.1961% | 1,191 |
| Total domestic deposits to total assets | 60.2672% | 6,912 |
| Equity capital to assets | 20.9108% | 181 |
| Core capital (leverage) ratio | 20.9108% | 161 |
| Tier 1 risk-based capital ratio | 40.2513% | 225 |
| Total risk-based capital ratio | 41.2712% | 229 |
| Memoranda: | ||
| Average total assets | $13,218,000 | 6,979 |
| Average earning assets | $12,229,500 | 6,963 |
| Average equity | $2,718,500 | 6,780 |
| Average total loans | $7,443,500 | 6,864 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2328% | 4,465 |
| Cost of funding earning assets | 0.9545% | 1,615 |
| Net interest margin | 3.2783% | 5,326 |
| Noninterest income to average assets | 0.0852% | 6,565 |
| Noninterest expense to average assets | 3.2591% | 2,454 |
| Loan and lease loss provision to assets | 0.1161% | 4,177 |
| Net operating income to assets | -0.1761% | 6,359 |
| Return on assets (ROA) | -0.3097% | 6,504 |
| Pretax return on assets | -0.4103% | 6,531 |
| Return on Equity (ROE) | -1.4674% | 6,420 |
| Retained earnings to average equity (ytd only) | -1.4674% | 6,086 |
| Net charge-offs to loans | 0.2628% | 3,363 |
| Credit loss provision to net charge-offs | 83.3333% | 3,721 |
| Earnings coverage of net charge-offs (x) | -0.8333% | 5,734 |
| Efficiency ratio | 103.6946% | 450 |
| Assets per employee ($millions) | 3.3535% | 5,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9251% | 6,210 |
| Loan loss allowance to noncurrent loans | 41.0714% | 5,572 |
| Noncurrent assets plus other real estate owned to assets | 1.4388% | 3,232 |
| Noncurrent loans to loans | 2.2523% | 2,401 |
| Net loans and leases to total assets | 55.0917% | 4,440 |
| Net loans and leases to deposits | 89.5215% | 1,119 |
| Net loans and leases to core deposits | 91.7215% | 1,654 |
| Total domestic deposits to total assets | 61.5402% | 6,960 |
| Equity capital to assets | 20.2326% | 217 |
| Core capital (leverage) ratio | 20.2102% | 188 |
| Tier 1 risk-based capital ratio | 39.7333% | 241 |
| Total risk-based capital ratio | 40.7739% | 241 |
| Memoranda: | ||
| Average total assets | $12,917,600 | 7,046 |
| Average earning assets | $12,048,800 | 7,030 |
| Average equity | $2,726,000 | 6,840 |
| Average total loans | $6,850,600 | 6,951 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2360% | 4,688 |
| Cost of funding earning assets | 1.0618% | 1,229 |
| Net interest margin | 3.1742% | 5,760 |
| Noninterest income to average assets | 0.0834% | 6,677 |
| Noninterest expense to average assets | 3.2620% | 2,381 |
| Loan and lease loss provision to assets | 0.0834% | 4,574 |
| Net operating income to assets | -0.2436% | 6,524 |
| Return on assets (ROA) | -0.4377% | 6,708 |
| Pretax return on assets | -0.5419% | 6,719 |
| Return on Equity (ROE) | -2.0520% | 6,574 |
| Retained earnings to average equity (ytd only) | -2.0520% | 6,403 |
| Net charge-offs to loans | 0.2787% | 3,049 |
| Credit loss provision to net charge-offs | 57.1429% | 4,231 |
| Earnings coverage of net charge-offs (x) | -1.4997% | 5,618 |
| Efficiency ratio | 107.1918% | 355 |
| Assets per employee ($millions) | 3.2053% | 5,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9325% | 6,292 |
| Loan loss allowance to noncurrent loans | 52.3810% | 5,006 |
| Noncurrent assets plus other real estate owned to assets | 1.2090% | 3,874 |
| Noncurrent loans to loans | 1.7802% | 3,110 |
| Net loans and leases to total assets | 54.6915% | 4,639 |
| Net loans and leases to deposits | 83.0117% | 1,998 |
| Net loans and leases to core deposits | 85.0042% | 2,575 |
| Total domestic deposits to total assets | 65.8841% | 6,982 |
| Equity capital to assets | 21.1450% | 197 |
| Core capital (leverage) ratio | 21.1294% | 168 |
| Tier 1 risk-based capital ratio | 40.2765% | 236 |
| Total risk-based capital ratio | 41.2875% | 233 |
| Memoranda: | ||
| Average total assets | $12,793,500 | 7,144 |
| Average earning assets | $11,929,250 | 7,126 |
| Average equity | $2,729,000 | 6,925 |
| Average total loans | $6,698,500 | 7,056 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2122% | 4,902 |
| Cost of funding earning assets | 1.1747% | 917 |
| Net interest margin | 3.0375% | 6,154 |
| Noninterest income to average assets | 0.0939% | 6,698 |
| Noninterest expense to average assets | 3.3009% | 2,301 |
| Loan and lease loss provision to assets | 0.0782% | 4,632 |
| Net operating income to assets | -0.3741% | 6,662 |
| Return on assets (ROA) | -0.6727% | 6,842 |
| Pretax return on assets | -0.8135% | 6,853 |
| Return on Equity (ROE) | -3.1444% | 6,681 |
| Retained earnings to average equity (ytd only) | -3.1444% | 6,480 |
| Net charge-offs to loans | 0.3348% | 2,684 |
| Credit loss provision to net charge-offs | 45.4545% | 4,137 |
| Earnings coverage of net charge-offs (x) | -2.1818% | 5,387 |
| Efficiency ratio | 112.8342% | 296 |
| Assets per employee ($millions) | 3.2200% | 5,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9384% | 6,358 |
| Loan loss allowance to noncurrent loans | 51.9685% | 5,002 |
| Noncurrent assets plus other real estate owned to assets | 1.2345% | 3,942 |
| Noncurrent loans to loans | 1.8058% | 3,205 |
| Net loans and leases to total assets | 54.0916% | 4,786 |
| Net loans and leases to deposits | 81.7627% | 2,144 |
| Net loans and leases to core deposits | 83.7078% | 2,730 |
| Total domestic deposits to total assets | 66.1568% | 7,044 |
| Equity capital to assets | 21.0248% | 199 |
| Core capital (leverage) ratio | 21.0248% | 164 |
| Tier 1 risk-based capital ratio | 40.1661% | 224 |
| Total risk-based capital ratio | 41.1451% | 228 |
| Memoranda: | ||
| Average total assets | $12,784,330 | 7,206 |
| Average earning assets | $11,917,670 | 7,188 |
| Average equity | $2,735,000 | 6,961 |
| Average total loans | $6,572,000 | 7,117 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4536% | 4,098 |
| Cost of funding earning assets | 1.2146% | 923 |
| Net interest margin | 3.2390% | 5,668 |
| Noninterest income to average assets | 0.0628% | 6,887 |
| Noninterest expense to average assets | 3.3290% | 2,202 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.2512% | 6,676 |
| Return on assets (ROA) | -0.2512% | 6,723 |
| Pretax return on assets | -0.2512% | 6,698 |
| Return on Equity (ROE) | -1.1643% | 6,638 |
| Retained earnings to average equity (ytd only) | -1.1643% | 6,177 |
| Net charge-offs to loans | 0.4415% | 1,988 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -1.1429% | 4,567 |
| Efficiency ratio | 108.1633% | 368 |
| Assets per employee ($millions) | 3.1780% | 5,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9856% | 6,302 |
| Loan loss allowance to noncurrent loans | 23.9852% | 6,423 |
| Noncurrent assets plus other real estate owned to assets | 2.4072% | 2,457 |
| Noncurrent loans to loans | 4.1092% | 1,477 |
| Net loans and leases to total assets | 51.3688% | 5,096 |
| Net loans and leases to deposits | 78.6747% | 2,385 |
| Net loans and leases to core deposits | 80.5974% | 2,995 |
| Total domestic deposits to total assets | 65.2926% | 7,122 |
| Equity capital to assets | 21.6095% | 157 |
| Core capital (leverage) ratio | 21.5780% | 143 |
| Tier 1 risk-based capital ratio | 40.7215% | 220 |
| Total risk-based capital ratio | 41.7310% | 218 |
| Memoranda: | ||
| Average total assets | $12,736,500 | 7,270 |
| Average earning assets | $11,855,500 | 7,250 |
| Average equity | $2,748,500 | 7,011 |
| Average total loans | $6,341,500 | 7,180 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7861% | 3,876 |
| Cost of funding earning assets | 1.4251% | 938 |
| Net interest margin | 3.3610% | 5,608 |
| Noninterest income to average assets | 0.1933% | 6,120 |
| Noninterest expense to average assets | 3.4014% | 2,235 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -0.0541% | 6,112 |
| Return on assets (ROA) | -0.0541% | 6,199 |
| Pretax return on assets | -0.0541% | 6,176 |
| Return on Equity (ROE) | -0.2535% | 6,188 |
| Retained earnings to average equity (ytd only) | -0.2535% | 5,897 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.6166% | 631 |
| Assets per employee ($millions) | 3.1903% | 5,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1827% | 5,476 |
| Loan loss allowance to noncurrent loans | 20.2817% | 6,609 |
| Noncurrent assets plus other real estate owned to assets | 3.0562% | 1,962 |
| Noncurrent loans to loans | 5.8311% | 873 |
| Net loans and leases to total assets | 47.1436% | 5,912 |
| Net loans and leases to deposits | 74.2441% | 3,456 |
| Net loans and leases to core deposits | 76.1037% | 3,967 |
| Total domestic deposits to total assets | 63.4982% | 7,182 |
| Equity capital to assets | 21.5500% | 167 |
| Core capital (leverage) ratio | 21.5562% | 150 |
| Tier 1 risk-based capital ratio | 42.2646% | 197 |
| Total risk-based capital ratio | 43.3707% | 190 |
| Memoranda: | ||
| Average total assets | $12,935,800 | 7,309 |
| Average earning assets | $12,139,200 | 7,294 |
| Average equity | $2,761,600 | 7,064 |
| Average total loans | $5,935,800 | 7,242 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8984% | 3,565 |
| Cost of funding earning assets | 1.4542% | 1,007 |
| Net interest margin | 3.4442% | 5,414 |
| Noninterest income to average assets | 0.1952% | 6,202 |
| Noninterest expense to average assets | 3.3899% | 2,214 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.0411% | 6,091 |
| Return on assets (ROA) | 0.0411% | 6,187 |
| Pretax return on assets | 0.0411% | 6,173 |
| Return on Equity (ROE) | 0.1928% | 6,221 |
| Retained earnings to average equity (ytd only) | 0.1928% | 5,898 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.8024% | 706 |
| Assets per employee ($millions) | 3.2693% | 5,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1685% | 5,599 |
| Loan loss allowance to noncurrent loans | 19.7260% | 6,684 |
| Noncurrent assets plus other real estate owned to assets | 2.7912% | 2,330 |
| Noncurrent loans to loans | 5.9234% | 949 |
| Net loans and leases to total assets | 46.5703% | 6,099 |
| Net loans and leases to deposits | 75.2130% | 3,472 |
| Net loans and leases to core deposits | 77.0984% | 4,034 |
| Total domestic deposits to total assets | 61.9179% | 7,277 |
| Equity capital to assets | 21.0981% | 205 |
| Core capital (leverage) ratio | 21.1130% | 172 |
| Tier 1 risk-based capital ratio | 41.5338% | 219 |
| Total risk-based capital ratio | 42.6165% | 220 |
| Memoranda: | ||
| Average total assets | $12,979,500 | 7,387 |
| Average earning assets | $12,194,250 | 7,371 |
| Average equity | $2,764,500 | 7,131 |
| Average total loans | $5,897,750 | 7,318 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9920% | 3,190 |
| Cost of funding earning assets | 1.4828% | 1,063 |
| Net interest margin | 3.5093% | 5,115 |
| Noninterest income to average assets | 0.2008% | 6,231 |
| Noninterest expense to average assets | 3.4448% | 2,136 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.0463% | 6,127 |
| Return on assets (ROA) | 0.0463% | 6,208 |
| Pretax return on assets | 0.0463% | 6,193 |
| Return on Equity (ROE) | 0.2169% | 6,261 |
| Retained earnings to average equity (ytd only) | 0.2169% | 5,751 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.6726% | 770 |
| Assets per employee ($millions) | 3.2120% | 5,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1972% | 5,555 |
| Loan loss allowance to noncurrent loans | 21.8182% | 6,654 |
| Noncurrent assets plus other real estate owned to assets | 2.5685% | 2,599 |
| Noncurrent loans to loans | 5.4872% | 1,154 |
| Net loans and leases to total assets | 46.2484% | 6,240 |
| Net loans and leases to deposits | 75.5595% | 3,549 |
| Net loans and leases to core deposits | 77.5111% | 4,115 |
| Total domestic deposits to total assets | 61.2080% | 7,361 |
| Equity capital to assets | 21.5364% | 192 |
| Core capital (leverage) ratio | 21.5048% | 169 |
| Tier 1 risk-based capital ratio | 41.3323% | 223 |
| Total risk-based capital ratio | 42.4701% | 223 |
| Memoranda: | ||
| Average total assets | $12,947,000 | 7,460 |
| Average earning assets | $12,139,330 | 7,444 |
| Average equity | $2,766,330 | 7,186 |
| Average total loans | $5,809,670 | 7,395 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1185% | 2,565 |
| Cost of funding earning assets | 1.5093% | 1,126 |
| Net interest margin | 3.6092% | 4,531 |
| Noninterest income to average assets | 0.1847% | 6,402 |
| Noninterest expense to average assets | 3.4779% | 2,066 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.0923% | 6,114 |
| Return on assets (ROA) | 0.0923% | 6,165 |
| Pretax return on assets | 0.0923% | 6,187 |
| Return on Equity (ROE) | 0.4338% | 6,274 |
| Retained earnings to average equity (ytd only) | 0.4338% | 5,646 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.4138% | 862 |
| Assets per employee ($millions) | 3.2628% | 5,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2483% | 5,409 |
| Loan loss allowance to noncurrent loans | 18.1818% | 6,825 |
| Noncurrent assets plus other real estate owned to assets | 3.0343% | 2,276 |
| Noncurrent loans to loans | 6.8655% | 828 |
| Net loans and leases to total assets | 43.6442% | 6,494 |
| Net loans and leases to deposits | 71.5129% | 4,135 |
| Net loans and leases to core deposits | 73.3359% | 4,613 |
| Total domestic deposits to total assets | 61.0298% | 7,420 |
| Equity capital to assets | 21.2014% | 196 |
| Core capital (leverage) ratio | 21.1701% | 182 |
| Tier 1 risk-based capital ratio | 40.5433% | 228 |
| Total risk-based capital ratio | 41.6593% | 227 |
| Memoranda: | ||
| Average total assets | $12,996,500 | 7,518 |
| Average earning assets | $12,191,000 | 7,501 |
| Average equity | $2,766,000 | 7,233 |
| Average total loans | $5,707,500 | 7,455 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9269% | 4,894 |
| Cost of funding earning assets | 1.8986% | 847 |
| Net interest margin | 3.0282% | 6,685 |
| Noninterest income to average assets | 0.1803% | 6,458 |
| Noninterest expense to average assets | 3.3134% | 2,692 |
| Loan and lease loss provision to assets | 0.0751% | 6,398 |
| Net operating income to assets | -0.3456% | 6,263 |
| Return on assets (ROA) | -0.3456% | 6,287 |
| Pretax return on assets | -0.3682% | 6,220 |
| Return on Equity (ROE) | -1.6511% | 6,135 |
| Retained earnings to average equity (ytd only) | -1.6511% | 5,911 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.7015% | 540 |
| Assets per employee ($millions) | 3.2355% | 5,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2750% | 5,135 |
| Loan loss allowance to noncurrent loans | 20.6304% | 6,788 |
| Noncurrent assets plus other real estate owned to assets | 2.6966% | 2,585 |
| Noncurrent loans to loans | 6.1803% | 997 |
| Net loans and leases to total assets | 43.0768% | 6,782 |
| Net loans and leases to deposits | 70.9017% | 4,702 |
| Net loans and leases to core deposits | 72.7332% | 5,135 |
| Total domestic deposits to total assets | 60.7557% | 7,498 |
| Equity capital to assets | 21.3645% | 195 |
| Core capital (leverage) ratio | 21.3286% | 188 |
| Tier 1 risk-based capital ratio | 40.3393% | 233 |
| Total risk-based capital ratio | 41.4656% | 232 |
| Memoranda: | ||
| Average total assets | $13,309,600 | 7,594 |
| Average earning assets | $12,482,600 | 7,571 |
| Average equity | $2,786,000 | 7,329 |
| Average total loans | $5,214,600 | 7,553 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9498% | 5,039 |
| Cost of funding earning assets | 1.9821% | 794 |
| Net interest margin | 2.9677% | 6,897 |
| Noninterest income to average assets | 0.1890% | 6,530 |
| Noninterest expense to average assets | 3.2732% | 2,663 |
| Loan and lease loss provision to assets | 0.0995% | 6,027 |
| Net operating income to assets | -0.3681% | 6,485 |
| Return on assets (ROA) | -0.3681% | 6,532 |
| Pretax return on assets | -0.3979% | 6,489 |
| Return on Equity (ROE) | -1.7673% | 6,374 |
| Retained earnings to average equity (ytd only) | -1.7673% | 6,155 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.0334% | 523 |
| Assets per employee ($millions) | 3.2660% | 5,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3187% | 4,857 |
| Loan loss allowance to noncurrent loans | 15.9645% | 7,052 |
| Noncurrent assets plus other real estate owned to assets | 3.4522% | 2,062 |
| Noncurrent loans to loans | 8.2601% | 611 |
| Net loans and leases to total assets | 41.2431% | 7,011 |
| Net loans and leases to deposits | 67.6629% | 5,469 |
| Net loans and leases to core deposits | 69.3883% | 5,810 |
| Total domestic deposits to total assets | 60.9538% | 7,578 |
| Equity capital to assets | 21.2110% | 221 |
| Core capital (leverage) ratio | 21.1901% | 201 |
| Tier 1 risk-based capital ratio | 40.5421% | 237 |
| Total risk-based capital ratio | 41.6410% | 235 |
| Memoranda: | ||
| Average total assets | $13,401,500 | 7,693 |
| Average earning assets | $12,579,250 | 7,671 |
| Average equity | $2,791,250 | 7,421 |
| Average total loans | $5,106,500 | 7,654 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0346% | 4,773 |
| Cost of funding earning assets | 2.0675% | 737 |
| Net interest margin | 2.9671% | 6,905 |
| Noninterest income to average assets | 0.1776% | 6,636 |
| Noninterest expense to average assets | 3.2707% | 2,658 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -0.3108% | 6,484 |
| Return on assets (ROA) | -0.3108% | 6,527 |
| Pretax return on assets | -0.3108% | 6,440 |
| Return on Equity (ROE) | -1.5011% | 6,374 |
| Retained earnings to average equity (ytd only) | -1.5011% | 6,063 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.5000% | 541 |
| Assets per employee ($millions) | 3.3395% | 5,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1814% | 5,547 |
| Loan loss allowance to noncurrent loans | 17.4648% | 7,053 |
| Noncurrent assets plus other real estate owned to assets | 2.6576% | 2,713 |
| Noncurrent loans to loans | 6.7645% | 861 |
| Net loans and leases to total assets | 38.8232% | 7,227 |
| Net loans and leases to deposits | 64.8088% | 5,933 |
| Net loans and leases to core deposits | 66.4531% | 6,207 |
| Total domestic deposits to total assets | 59.9042% | 7,660 |
| Equity capital to assets | 20.8340% | 246 |
| Core capital (leverage) ratio | 20.8340% | 206 |
| Tier 1 risk-based capital ratio | 40.1356% | 244 |
| Total risk-based capital ratio | 41.0297% | 247 |
| Memoranda: | ||
| Average total assets | $13,514,000 | 7,758 |
| Average earning assets | $12,672,330 | 7,735 |
| Average equity | $2,798,000 | 7,475 |
| Average total loans | $4,988,670 | 7,723 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0828% | 4,616 |
| Cost of funding earning assets | 2.0708% | 888 |
| Net interest margin | 3.0120% | 6,804 |
| Noninterest income to average assets | 0.1471% | 6,922 |
| Noninterest expense to average assets | 3.3255% | 2,448 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.3531% | 6,717 |
| Return on assets (ROA) | -0.3531% | 6,764 |
| Pretax return on assets | -0.3531% | 6,685 |
| Return on Equity (ROE) | -1.7109% | 6,606 |
| Retained earnings to average equity (ytd only) | -1.7109% | 6,160 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.8812% | 562 |
| Assets per employee ($millions) | 3.4038% | 5,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2309% | 5,330 |
| Loan loss allowance to noncurrent loans | 24.2188% | 6,787 |
| Noncurrent assets plus other real estate owned to assets | 1.8803% | 3,661 |
| Noncurrent loans to loans | 5.0824% | 1,412 |
| Net loans and leases to total assets | 36.5406% | 7,408 |
| Net loans and leases to deposits | 64.3513% | 6,023 |
| Net loans and leases to core deposits | 66.0427% | 6,280 |
| Total domestic deposits to total assets | 56.7830% | 7,787 |
| Equity capital to assets | 20.5802% | 260 |
| Core capital (leverage) ratio | 20.5309% | 227 |
| Tier 1 risk-based capital ratio | 40.4696% | 247 |
| Total risk-based capital ratio | 41.4698% | 242 |
| Memoranda: | ||
| Average total assets | $13,592,000 | 7,859 |
| Average earning assets | $12,749,000 | 7,836 |
| Average equity | $2,805,500 | 7,551 |
| Average total loans | $4,859,000 | 7,825 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0102% | 6,405 |
| Cost of funding earning assets | 2.2709% | 1,767 |
| Net interest margin | 2.7394% | 7,154 |
| Noninterest income to average assets | 0.1944% | 6,712 |
| Noninterest expense to average assets | 3.1694% | 3,478 |
| Loan and lease loss provision to assets | 0.2616% | 5,313 |
| Net operating income to assets | -0.6204% | 6,292 |
| Return on assets (ROA) | -0.6204% | 6,287 |
| Pretax return on assets | -0.6578% | 6,144 |
| Return on Equity (ROE) | -2.9131% | 5,970 |
| Retained earnings to average equity (ytd only) | -2.9131% | 5,681 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.2857% | 705 |
| Assets per employee ($millions) | 3.3923% | 5,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3245% | 4,620 |
| Loan loss allowance to noncurrent loans | 19.0769% | 7,101 |
| Noncurrent assets plus other real estate owned to assets | 2.3952% | 2,905 |
| Noncurrent loans to loans | 6.9430% | 814 |
| Net loans and leases to total assets | 34.0408% | 7,590 |
| Net loans and leases to deposits | 60.0572% | 6,630 |
| Net loans and leases to core deposits | 60.9286% | 7,230 |
| Total domestic deposits to total assets | 56.6807% | 7,847 |
| Equity capital to assets | 20.7016% | 263 |
| Core capital (leverage) ratio | 20.6769% | 250 |
| Tier 1 risk-based capital ratio | 41.8008% | 222 |
| Total risk-based capital ratio | 42.7847% | 223 |
| Memoranda: | ||
| Average total assets | $13,377,800 | 7,929 |
| Average earning assets | $12,594,200 | 7,904 |
| Average equity | $2,849,200 | 7,630 |
| Average total loans | $4,355,600 | 7,907 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0006% | 6,600 |
| Cost of funding earning assets | 2.3039% | 1,972 |
| Net interest margin | 2.6968% | 7,208 |
| Noninterest income to average assets | 0.2001% | 6,782 |
| Noninterest expense to average assets | 3.1607% | 3,433 |
| Loan and lease loss provision to assets | 0.0900% | 6,469 |
| Net operating income to assets | -0.4801% | 6,406 |
| Return on assets (ROA) | -0.4801% | 6,410 |
| Pretax return on assets | -0.5101% | 6,308 |
| Return on Equity (ROE) | -2.2383% | 6,127 |
| Retained earnings to average equity (ytd only) | -2.2383% | 5,767 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.3285% | 667 |
| Assets per employee ($millions) | 2.7020% | 6,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2121% | 5,041 |
| Loan loss allowance to noncurrent loans | 12.9032% | 7,385 |
| Noncurrent assets plus other real estate owned to assets | 3.2124% | 2,110 |
| Noncurrent loans to loans | 9.3939% | 452 |
| Net loans and leases to total assets | 33.7824% | 7,695 |
| Net loans and leases to deposits | 60.2588% | 6,815 |
| Net loans and leases to core deposits | 61.1468% | 7,358 |
| Total domestic deposits to total assets | 56.0622% | 7,924 |
| Equity capital to assets | 21.0659% | 279 |
| Core capital (leverage) ratio | 21.0296% | 259 |
| Tier 1 risk-based capital ratio | 42.1905% | 246 |
| Total risk-based capital ratio | 43.0970% | 248 |
| Memoranda: | ||
| Average total assets | $13,330,000 | 8,008 |
| Average earning assets | $12,558,000 | 7,985 |
| Average equity | $2,859,250 | 7,702 |
| Average total loans | $4,274,250 | 7,987 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0466% | 6,635 |
| Cost of funding earning assets | 2.3711% | 2,074 |
| Net interest margin | 2.6755% | 7,255 |
| Noninterest income to average assets | 0.1959% | 6,891 |
| Noninterest expense to average assets | 3.2102% | 3,310 |
| Loan and lease loss provision to assets | 0.0452% | 6,781 |
| Net operating income to assets | -0.5275% | 6,575 |
| Return on assets (ROA) | -0.5275% | 6,582 |
| Pretax return on assets | -0.5426% | 6,466 |
| Return on Equity (ROE) | -2.4444% | 6,290 |
| Retained earnings to average equity (ytd only) | -2.4444% | 5,849 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.3333% | 696 |
| Assets per employee ($millions) | 2.6708% | 6,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1979% | 4,963 |
| Loan loss allowance to noncurrent loans | 15.8730% | 7,337 |
| Noncurrent assets plus other real estate owned to assets | 2.3588% | 2,755 |
| Noncurrent loans to loans | 7.5467% | 613 |
| Net loans and leases to total assets | 30.8821% | 7,871 |
| Net loans and leases to deposits | 53.7399% | 7,287 |
| Net loans and leases to core deposits | 54.5214% | 7,645 |
| Total domestic deposits to total assets | 57.4659% | 7,988 |
| Equity capital to assets | 21.3344% | 312 |
| Core capital (leverage) ratio | 21.3344% | 300 |
| Tier 1 risk-based capital ratio | 44.4948% | 228 |
| Total risk-based capital ratio | 45.2757% | 234 |
| Memoranda: | ||
| Average total assets | $13,270,000 | 8,100 |
| Average earning assets | $12,483,670 | 8,076 |
| Average equity | $2,863,670 | 7,769 |
| Average total loans | $4,159,000 | 8,079 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1603% | 6,443 |
| Cost of funding earning assets | 2.4679% | 2,035 |
| Net interest margin | 2.6923% | 7,221 |
| Noninterest income to average assets | 0.1814% | 6,996 |
| Noninterest expense to average assets | 3.1448% | 3,210 |
| Loan and lease loss provision to assets | 0.6350% | 1,987 |
| Net operating income to assets | -0.8467% | 7,153 |
| Return on assets (ROA) | -0.8467% | 7,185 |
| Pretax return on assets | -1.0584% | 7,177 |
| Return on Equity (ROE) | -3.9011% | 6,881 |
| Retained earnings to average equity (ytd only) | -3.9011% | 6,413 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.5556% | 702 |
| Assets per employee ($millions) | 2.6482% | 6,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5962% | 2,535 |
| Loan loss allowance to noncurrent loans | 22.5914% | 7,038 |
| Noncurrent assets plus other real estate owned to assets | 2.2732% | 2,523 |
| Noncurrent loans to loans | 7.0657% | 565 |
| Net loans and leases to total assets | 31.6592% | 7,874 |
| Net loans and leases to deposits | 55.4571% | 7,189 |
| Net loans and leases to core deposits | 56.2760% | 7,604 |
| Total domestic deposits to total assets | 57.0878% | 8,027 |
| Equity capital to assets | 21.5769% | 329 |
| Core capital (leverage) ratio | 21.5769% | 326 |
| Tier 1 risk-based capital ratio | 44.5293% | 255 |
| Total risk-based capital ratio | 45.5892% | 257 |
| Memoranda: | ||
| Average total assets | $13,228,000 | 8,153 |
| Average earning assets | $12,480,000 | 8,130 |
| Average equity | $2,871,000 | 7,820 |
| Average total loans | $4,151,500 | 8,129 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4938% | 7,315 |
| Cost of funding earning assets | 2.7113% | 3,105 |
| Net interest margin | 2.7825% | 7,357 |
| Noninterest income to average assets | 0.1716% | 7,194 |
| Noninterest expense to average assets | 3.2010% | 3,331 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -0.2313% | 6,657 |
| Return on assets (ROA) | -0.2313% | 6,500 |
| Pretax return on assets | -0.4029% | 6,547 |
| Return on Equity (ROE) | -1.0243% | 6,371 |
| Retained earnings to average equity (ytd only) | -1.0243% | 5,611 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.4000% | 629 |
| Assets per employee ($millions) | 2.6430% | 6,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1625% | 4,833 |
| Loan loss allowance to noncurrent loans | 14.8265% | 7,399 |
| Noncurrent assets plus other real estate owned to assets | 2.3988% | 2,024 |
| Noncurrent loans to loans | 7.8407% | 352 |
| Net loans and leases to total assets | 30.2384% | 7,982 |
| Net loans and leases to deposits | 53.2232% | 7,475 |
| Net loans and leases to core deposits | 53.2232% | 7,819 |
| Total domestic deposits to total assets | 56.8142% | 8,041 |
| Equity capital to assets | 21.8313% | 359 |
| Core capital (leverage) ratio | 21.8313% | 343 |
| Tier 1 risk-based capital ratio | 45.6054% | 255 |
| Total risk-based capital ratio | 46.3484% | 257 |
| Memoranda: | ||
| Average total assets | $13,402,000 | 8,197 |
| Average earning assets | $12,650,600 | 8,175 |
| Average equity | $3,026,600 | 7,829 |
| Average total loans | $4,026,000 | 8,192 |