Home > Towanda State Bank > Performance and Condition Ratios
Towanda State Bank, Performance and Condition Ratios
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3998% | 3,184 |
| Cost of funding earning assets | 0.2920% | 2,856 |
| Net interest margin | 3.1078% | 3,009 |
| Noninterest income to average assets | 0.2847% | 3,719 |
| Noninterest expense to average assets | 4.3837% | 229 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -1.2715% | 4,907 |
| Return on assets (ROA) | -1.2525% | 4,907 |
| Pretax return on assets | -1.2525% | 4,905 |
| Return on Equity (ROE) | -27.8481% | 4,935 |
| Retained earnings to average equity (ytd only) | -27.8481% | 4,919 |
| Net charge-offs to loans | -0.0322% | 4,184 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 140.8537% | 41 |
| Assets per employee ($millions) | 3.5863% | 4,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4238% | 104 |
| Loan loss allowance to noncurrent loans | 25.0000% | 4,194 |
| Noncurrent assets plus other real estate owned to assets | 7.5472% | 12 |
| Noncurrent loans to loans | 13.6954% | 10 |
| Net loans and leases to total assets | 53.2206% | 3,230 |
| Net loans and leases to deposits | 55.5060% | 3,753 |
| Net loans and leases to core deposits | 55.5060% | 3,926 |
| Total domestic deposits to total assets | 95.8825% | 3 |
| Equity capital to assets | 4.0803% | 4,946 |
| Core capital (leverage) ratio | 4.1039% | 4,948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.4346% | 3,095 |
| Memoranda: | ||
| Average total assets | $10,539,000 | 4,951 |
| Average earning assets | $9,588,667 | 4,937 |
| Average equity | $474,000 | 4,951 |
| Average total loans | $6,215,667 | 4,888 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3459% | 3,350 |
| Cost of funding earning assets | 0.3346% | 2,665 |
| Net interest margin | 3.0113% | 3,228 |
| Noninterest income to average assets | 0.3452% | 3,366 |
| Noninterest expense to average assets | 4.1807% | 248 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -1.0739% | 4,931 |
| Return on assets (ROA) | -1.0739% | 4,931 |
| Pretax return on assets | -1.0739% | 4,932 |
| Return on Equity (ROE) | -22.7874% | 4,962 |
| Retained earnings to average equity (ytd only) | -22.7874% | 4,930 |
| Net charge-offs to loans | -0.1258% | 4,701 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 134.5679% | 43 |
| Assets per employee ($millions) | 3.5293% | 4,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2755% | 119 |
| Loan loss allowance to noncurrent loans | 25.7251% | 4,250 |
| Noncurrent assets plus other real estate owned to assets | 7.4896% | 13 |
| Noncurrent loans to loans | 12.7328% | 16 |
| Net loans and leases to total assets | 56.8946% | 2,928 |
| Net loans and leases to deposits | 59.6023% | 3,513 |
| Net loans and leases to core deposits | 59.6023% | 3,731 |
| Total domestic deposits to total assets | 95.4571% | 3 |
| Equity capital to assets | 4.4957% | 4,970 |
| Core capital (leverage) ratio | 4.5135% | 4,975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9861% | 3,060 |
| Memoranda: | ||
| Average total assets | $10,429,000 | 4,978 |
| Average earning assets | $9,564,000 | 4,964 |
| Average equity | $491,500 | 4,978 |
| Average total loans | $6,359,000 | 4,913 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0495% | 2,584 |
| Cost of funding earning assets | 0.5282% | 2,761 |
| Net interest margin | 3.5213% | 2,409 |
| Noninterest income to average assets | 0.4270% | 2,983 |
| Noninterest expense to average assets | 4.5361% | 248 |
| Loan and lease loss provision to assets | 0.6168% | 316 |
| Net operating income to assets | -1.4994% | 4,946 |
| Return on assets (ROA) | -1.4804% | 4,946 |
| Pretax return on assets | -1.4804% | 4,943 |
| Return on Equity (ROE) | -26.7306% | 4,983 |
| Retained earnings to average equity (ytd only) | -26.7306% | 4,973 |
| Net charge-offs to loans | 0.3435% | 507 |
| Credit loss provision to net charge-offs | 270.8333% | 1,840 |
| Earnings coverage of net charge-offs (x) | -3.8750% | 3,374 |
| Efficiency ratio | 124.1558% | 68 |
| Assets per employee ($millions) | 3.4233% | 4,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1125% | 131 |
| Loan loss allowance to noncurrent loans | 28.4107% | 4,295 |
| Noncurrent assets plus other real estate owned to assets | 6.9231% | 17 |
| Noncurrent loans to loans | 10.9553% | 20 |
| Net loans and leases to total assets | 61.2269% | 2,702 |
| Net loans and leases to deposits | 67.9196% | 3,088 |
| Net loans and leases to core deposits | 67.9196% | 3,418 |
| Total domestic deposits to total assets | 90.1461% | 508 |
| Equity capital to assets | 4.9367% | 4,992 |
| Core capital (leverage) ratio | 4.7221% | 4,997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4251% | 3,038 |
| Memoranda: | ||
| Average total assets | $10,537,800 | 4,997 |
| Average earning assets | $9,655,400 | 4,985 |
| Average equity | $583,600 | 5,000 |
| Average total loans | $6,986,200 | 4,933 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1690% | 2,469 |
| Cost of funding earning assets | 0.5604% | 2,867 |
| Net interest margin | 3.6086% | 2,245 |
| Noninterest income to average assets | 0.4519% | 2,842 |
| Noninterest expense to average assets | 4.6071% | 236 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | -0.8411% | 4,932 |
| Return on assets (ROA) | -0.8285% | 4,938 |
| Pretax return on assets | -0.8285% | 4,928 |
| Return on Equity (ROE) | -14.2161% | 4,988 |
| Retained earnings to average equity (ytd only) | -14.2161% | 4,964 |
| Net charge-offs to loans | 0.1124% | 1,224 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | -11.1667% | 3,200 |
| Efficiency ratio | 122.3333% | 73 |
| Assets per employee ($millions) | 3.6233% | 4,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2523% | 315 |
| Loan loss allowance to noncurrent loans | 24.1433% | 4,373 |
| Noncurrent assets plus other real estate owned to assets | 5.9062% | 41 |
| Noncurrent loans to loans | 9.3287% | 30 |
| Net loans and leases to total assets | 61.8859% | 3,025 |
| Net loans and leases to deposits | 69.9345% | 3,321 |
| Net loans and leases to core deposits | 69.9345% | 3,629 |
| Total domestic deposits to total assets | 88.4913% | 977 |
| Equity capital to assets | 5.4830% | 5,016 |
| Core capital (leverage) ratio | 5.4845% | 5,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4152% | 2,813 |
| Memoranda: | ||
| Average total assets | $10,621,000 | 5,029 |
| Average earning assets | $9,754,250 | 5,017 |
| Average equity | $619,000 | 5,032 |
| Average total loans | $7,114,750 | 4,964 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3927% | 2,228 |
| Cost of funding earning assets | 0.6216% | 2,854 |
| Net interest margin | 3.7711% | 1,915 |
| Noninterest income to average assets | 0.3796% | 3,200 |
| Noninterest expense to average assets | 4.8966% | 202 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -1.0628% | 4,969 |
| Return on assets (ROA) | -1.0628% | 4,965 |
| Pretax return on assets | -1.0628% | 4,955 |
| Return on Equity (ROE) | -17.8723% | 5,028 |
| Retained earnings to average equity (ytd only) | -17.8723% | 5,001 |
| Net charge-offs to loans | 0.0834% | 1,413 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | -18.6667% | 2,999 |
| Efficiency ratio | 127.7228% | 71 |
| Assets per employee ($millions) | 3.5860% | 4,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2701% | 300 |
| Loan loss allowance to noncurrent loans | 23.7237% | 4,432 |
| Noncurrent assets plus other real estate owned to assets | 6.5997% | 36 |
| Noncurrent loans to loans | 9.5690% | 28 |
| Net loans and leases to total assets | 63.2274% | 2,974 |
| Net loans and leases to deposits | 72.1391% | 3,249 |
| Net loans and leases to core deposits | 72.1391% | 3,586 |
| Total domestic deposits to total assets | 87.6464% | 1,352 |
| Equity capital to assets | 5.6609% | 5,047 |
| Core capital (leverage) ratio | 5.4315% | 5,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4282% | 2,848 |
| Memoranda: | ||
| Average total assets | $10,538,000 | 5,061 |
| Average earning assets | $9,652,333 | 5,049 |
| Average equity | $626,667 | 5,065 |
| Average total loans | $7,192,333 | 4,994 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7581% | 1,535 |
| Cost of funding earning assets | 0.7158% | 2,866 |
| Net interest margin | 4.0423% | 1,283 |
| Noninterest income to average assets | 0.3836% | 3,208 |
| Noninterest expense to average assets | 5.9072% | 153 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -1.8412% | 5,044 |
| Return on assets (ROA) | -1.8412% | 5,028 |
| Pretax return on assets | -1.8412% | 5,017 |
| Return on Equity (ROE) | -30.2124% | 5,080 |
| Retained earnings to average equity (ytd only) | -30.2124% | 5,041 |
| Net charge-offs to loans | -0.0547% | 4,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 145.2830% | 63 |
| Assets per employee ($millions) | 2.6483% | 4,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2053% | 373 |
| Loan loss allowance to noncurrent loans | 30.9160% | 4,390 |
| Noncurrent assets plus other real estate owned to assets | 5.6075% | 54 |
| Noncurrent loans to loans | 7.1331% | 56 |
| Net loans and leases to total assets | 67.8184% | 2,572 |
| Net loans and leases to deposits | 81.3038% | 2,546 |
| Net loans and leases to core deposits | 81.3038% | 3,085 |
| Total domestic deposits to total assets | 83.4136% | 2,973 |
| Equity capital to assets | 5.7774% | 5,106 |
| Core capital (leverage) ratio | 5.7647% | 5,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3169% | 2,999 |
| Memoranda: | ||
| Average total assets | $10,428,000 | 5,110 |
| Average earning assets | $9,499,500 | 5,099 |
| Average equity | $635,500 | 5,115 |
| Average total loans | $7,308,500 | 5,038 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8734% | 1,834 |
| Cost of funding earning assets | 0.6840% | 3,237 |
| Net interest margin | 4.1894% | 1,339 |
| Noninterest income to average assets | 0.5348% | 2,556 |
| Noninterest expense to average assets | 5.3675% | 171 |
| Loan and lease loss provision to assets | 1.2155% | 75 |
| Net operating income to assets | -2.2364% | 5,136 |
| Return on assets (ROA) | -2.0420% | 5,133 |
| Pretax return on assets | -2.0420% | 5,131 |
| Return on Equity (ROE) | -27.5446% | 5,160 |
| Retained earnings to average equity (ytd only) | -27.5446% | 5,154 |
| Net charge-offs to loans | 0.9746% | 165 |
| Credit loss provision to net charge-offs | 176.0563% | 1,476 |
| Earnings coverage of net charge-offs (x) | -1.4789% | 3,660 |
| Efficiency ratio | 123.4899% | 70 |
| Assets per employee ($millions) | 2.5658% | 4,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2143% | 323 |
| Loan loss allowance to noncurrent loans | 29.1139% | 4,441 |
| Noncurrent assets plus other real estate owned to assets | 6.0021% | 37 |
| Noncurrent loans to loans | 7.6056% | 39 |
| Net loans and leases to total assets | 69.2780% | 2,504 |
| Net loans and leases to deposits | 81.0811% | 2,655 |
| Net loans and leases to core deposits | 81.0811% | 3,207 |
| Total domestic deposits to total assets | 85.4429% | 2,324 |
| Equity capital to assets | 6.4211% | 5,161 |
| Core capital (leverage) ratio | 6.3579% | 5,160 |
| Tier 1 risk-based capital ratio | 11.8270% | 4,461 |
| Total risk-based capital ratio | 13.0833% | 4,329 |
| Memoranda: | ||
| Average total assets | $10,284,200 | 5,172 |
| Average earning assets | $9,357,000 | 5,160 |
| Average equity | $762,400 | 5,174 |
| Average total loans | $7,285,400 | 5,102 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8975% | 1,825 |
| Cost of funding earning assets | 0.6692% | 3,358 |
| Net interest margin | 4.2283% | 1,309 |
| Noninterest income to average assets | 0.5678% | 2,367 |
| Noninterest expense to average assets | 4.7097% | 259 |
| Loan and lease loss provision to assets | 0.3226% | 437 |
| Net operating income to assets | -0.6322% | 5,147 |
| Return on assets (ROA) | -0.6322% | 5,152 |
| Pretax return on assets | -0.6322% | 5,146 |
| Return on Equity (ROE) | -7.8545% | 5,188 |
| Retained earnings to average equity (ytd only) | -7.8545% | 5,122 |
| Net charge-offs to loans | 0.0730% | 1,780 |
| Credit loss provision to net charge-offs | 625.0000% | 523 |
| Earnings coverage of net charge-offs (x) | -6.0038% | 3,426 |
| Efficiency ratio | 107.0381% | 114 |
| Assets per employee ($millions) | 2.0674% | 5,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7479% | 745 |
| Loan loss allowance to noncurrent loans | 17.9523% | 4,629 |
| Noncurrent assets plus other real estate owned to assets | 8.1842% | 24 |
| Noncurrent loans to loans | 9.7364% | 30 |
| Net loans and leases to total assets | 69.6043% | 2,534 |
| Net loans and leases to deposits | 78.5480% | 3,048 |
| Net loans and leases to core deposits | 78.5480% | 3,503 |
| Total domestic deposits to total assets | 88.6137% | 778 |
| Equity capital to assets | 7.9230% | 5,148 |
| Core capital (leverage) ratio | 8.0432% | 5,108 |
| Tier 1 risk-based capital ratio | 14.1575% | 3,252 |
| Total risk-based capital ratio | 15.4178% | 3,147 |
| Memoranda: | ||
| Average total assets | $10,333,000 | 5,250 |
| Average earning assets | $9,365,250 | 5,238 |
| Average equity | $831,750 | 5,250 |
| Average total loans | $7,305,750 | 5,179 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9049% | 1,736 |
| Cost of funding earning assets | 0.6611% | 3,350 |
| Net interest margin | 4.2438% | 1,257 |
| Noninterest income to average assets | 0.5614% | 2,336 |
| Noninterest expense to average assets | 4.8782% | 235 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -0.4646% | 5,188 |
| Return on assets (ROA) | -0.4646% | 5,193 |
| Pretax return on assets | -0.4646% | 5,190 |
| Return on Equity (ROE) | -5.7416% | 5,211 |
| Retained earnings to average equity (ytd only) | -5.7416% | 5,083 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.5263% | 98 |
| Assets per employee ($millions) | 2.0680% | 5,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5070% | 1,256 |
| Loan loss allowance to noncurrent loans | 36.5188% | 4,442 |
| Noncurrent assets plus other real estate owned to assets | 4.1199% | 108 |
| Noncurrent loans to loans | 4.1268% | 172 |
| Net loans and leases to total assets | 67.6306% | 2,872 |
| Net loans and leases to deposits | 74.8555% | 3,440 |
| Net loans and leases to core deposits | 74.8555% | 3,829 |
| Total domestic deposits to total assets | 90.3482% | 228 |
| Equity capital to assets | 8.1335% | 5,152 |
| Core capital (leverage) ratio | 8.2519% | 5,082 |
| Tier 1 risk-based capital ratio | 14.9407% | 2,873 |
| Total risk-based capital ratio | 16.1976% | 2,788 |
| Memoranda: | ||
| Average total assets | $10,331,670 | 5,297 |
| Average earning assets | $9,378,330 | 5,285 |
| Average equity | $836,000 | 5,298 |
| Average total loans | $7,300,000 | 5,229 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8482% | 1,774 |
| Cost of funding earning assets | 0.6379% | 3,363 |
| Net interest margin | 4.2103% | 1,284 |
| Noninterest income to average assets | 0.5035% | 2,533 |
| Noninterest expense to average assets | 4.9964% | 207 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -0.6584% | 5,264 |
| Return on assets (ROA) | -0.6584% | 5,260 |
| Pretax return on assets | -0.6584% | 5,255 |
| Return on Equity (ROE) | -8.1584% | 5,281 |
| Retained earnings to average equity (ytd only) | -8.1584% | 5,036 |
| Net charge-offs to loans | -0.0541% | 4,860 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.1786% | 88 |
| Assets per employee ($millions) | 1.7380% | 5,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4786% | 1,398 |
| Loan loss allowance to noncurrent loans | 34.0694% | 4,561 |
| Noncurrent assets plus other real estate owned to assets | 4.3153% | 97 |
| Noncurrent loans to loans | 4.3401% | 159 |
| Net loans and leases to total assets | 69.0065% | 2,620 |
| Net loans and leases to deposits | 77.0202% | 3,158 |
| Net loans and leases to core deposits | 77.0202% | 3,595 |
| Total domestic deposits to total assets | 89.5953% | 601 |
| Equity capital to assets | 7.9498% | 5,195 |
| Core capital (leverage) ratio | 8.1313% | 5,168 |
| Tier 1 risk-based capital ratio | 15.0903% | 2,846 |
| Total risk-based capital ratio | 16.3479% | 2,752 |
| Memoranda: | ||
| Average total assets | $10,327,500 | 5,355 |
| Average earning assets | $9,405,500 | 5,343 |
| Average equity | $833,500 | 5,358 |
| Average total loans | $7,400,000 | 5,286 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0609% | 929 |
| Cost of funding earning assets | 0.4472% | 3,700 |
| Net interest margin | 4.6137% | 588 |
| Noninterest income to average assets | 0.7486% | 1,647 |
| Noninterest expense to average assets | 5.2602% | 177 |
| Loan and lease loss provision to assets | 0.0197% | 3,769 |
| Net operating income to assets | -0.3645% | 5,305 |
| Return on assets (ROA) | -0.3645% | 5,300 |
| Pretax return on assets | -0.3645% | 5,297 |
| Return on Equity (ROE) | -4.5589% | 5,311 |
| Retained earnings to average equity (ytd only) | -4.5589% | 5,231 |
| Net charge-offs to loans | -0.0133% | 4,579 |
| Credit loss provision to net charge-offs | -200.0000% | 4,475 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.0140% | 98 |
| Assets per employee ($millions) | 1.4610% | 5,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4274% | 1,531 |
| Loan loss allowance to noncurrent loans | 169.8413% | 2,502 |
| Noncurrent assets plus other real estate owned to assets | 1.9165% | 516 |
| Noncurrent loans to loans | 0.8404% | 1,924 |
| Net loans and leases to total assets | 72.2499% | 2,218 |
| Net loans and leases to deposits | 86.6034% | 2,204 |
| Net loans and leases to core deposits | 86.6034% | 2,871 |
| Total domestic deposits to total assets | 83.4262% | 3,184 |
| Equity capital to assets | 8.1940% | 5,087 |
| Core capital (leverage) ratio | 8.5810% | 4,967 |
| Tier 1 risk-based capital ratio | 15.5317% | 2,599 |
| Total risk-based capital ratio | 16.7828% | 2,524 |
| Memoranda: | ||
| Average total assets | $10,151,800 | 5,399 |
| Average earning assets | $9,168,400 | 5,386 |
| Average equity | $811,600 | 5,402 |
| Average total loans | $7,518,800 | 5,334 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0370% | 871 |
| Cost of funding earning assets | 0.4234% | 3,705 |
| Net interest margin | 4.6135% | 579 |
| Noninterest income to average assets | 0.7763% | 1,551 |
| Noninterest expense to average assets | 5.4342% | 161 |
| Loan and lease loss provision to assets | 0.0263% | 3,485 |
| Net operating income to assets | -0.5263% | 5,389 |
| Return on assets (ROA) | -0.5263% | 5,384 |
| Pretax return on assets | -0.5263% | 5,384 |
| Return on Equity (ROE) | -6.6248% | 5,402 |
| Retained earnings to average equity (ytd only) | -6.6248% | 5,344 |
| Net charge-offs to loans | -0.1063% | 5,179 |
| Credit loss provision to net charge-offs | -33.3333% | 4,136 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.1333% | 81 |
| Assets per employee ($millions) | 1.4286% | 5,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4854% | 1,395 |
| Loan loss allowance to noncurrent loans | 106.6667% | 3,348 |
| Noncurrent assets plus other real estate owned to assets | 2.3800% | 382 |
| Noncurrent loans to loans | 1.3926% | 1,194 |
| Net loans and leases to total assets | 74.2800% | 1,934 |
| Net loans and leases to deposits | 80.8358% | 2,947 |
| Net loans and leases to core deposits | 80.8358% | 3,422 |
| Total domestic deposits to total assets | 91.8900% | 91 |
| Equity capital to assets | 7.8200% | 5,233 |
| Core capital (leverage) ratio | 8.1283% | 5,284 |
| Tier 1 risk-based capital ratio | 14.6027% | 3,062 |
| Total risk-based capital ratio | 15.8554% | 2,990 |
| Memoranda: | ||
| Average total assets | $10,133,000 | 5,469 |
| Average earning assets | $9,132,250 | 5,457 |
| Average equity | $805,000 | 5,473 |
| Average total loans | $7,524,500 | 5,404 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9240% | 966 |
| Cost of funding earning assets | 0.4377% | 3,439 |
| Net interest margin | 4.4863% | 719 |
| Noninterest income to average assets | 0.8057% | 1,459 |
| Noninterest expense to average assets | 5.4042% | 175 |
| Loan and lease loss provision to assets | 0.0393% | 3,119 |
| Net operating income to assets | -0.6092% | 5,449 |
| Return on assets (ROA) | -0.6092% | 5,443 |
| Pretax return on assets | -0.6092% | 5,440 |
| Return on Equity (ROE) | -7.6292% | 5,461 |
| Retained earnings to average equity (ytd only) | -7.6292% | 5,374 |
| Net charge-offs to loans | -0.0532% | 4,942 |
| Credit loss provision to net charge-offs | -100.0000% | 4,086 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.7886% | 87 |
| Assets per employee ($millions) | 1.4089% | 5,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4573% | 1,528 |
| Loan loss allowance to noncurrent loans | 120.0000% | 3,142 |
| Noncurrent assets plus other real estate owned to assets | 3.2651% | 211 |
| Noncurrent loans to loans | 1.2144% | 1,430 |
| Net loans and leases to total assets | 74.0519% | 1,938 |
| Net loans and leases to deposits | 80.7854% | 2,872 |
| Net loans and leases to core deposits | 80.7854% | 3,346 |
| Total domestic deposits to total assets | 91.6650% | 125 |
| Equity capital to assets | 8.0308% | 5,216 |
| Core capital (leverage) ratio | 8.2065% | 5,257 |
| Tier 1 risk-based capital ratio | 14.7559% | 2,990 |
| Total risk-based capital ratio | 16.0079% | 2,918 |
| Memoranda: | ||
| Average total assets | $10,177,330 | 5,534 |
| Average earning assets | $9,139,000 | 5,522 |
| Average equity | $812,670 | 5,537 |
| Average total loans | $7,519,330 | 5,463 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8206% | 1,032 |
| Cost of funding earning assets | 0.3874% | 3,678 |
| Net interest margin | 4.4332% | 711 |
| Noninterest income to average assets | 0.8515% | 1,296 |
| Noninterest expense to average assets | 5.3411% | 180 |
| Loan and lease loss provision to assets | 0.0387% | 2,974 |
| Net operating income to assets | -0.5418% | 5,500 |
| Return on assets (ROA) | -0.5418% | 5,499 |
| Pretax return on assets | -0.5418% | 5,499 |
| Return on Equity (ROE) | -6.8044% | 5,517 |
| Retained earnings to average equity (ytd only) | -6.8044% | 5,277 |
| Net charge-offs to loans | -0.0528% | 4,991 |
| Credit loss provision to net charge-offs | -100.0000% | 3,687 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.4000% | 102 |
| Assets per employee ($millions) | 1.4994% | 5,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3982% | 1,851 |
| Loan loss allowance to noncurrent loans | 62.3529% | 4,167 |
| Noncurrent assets plus other real estate owned to assets | 3.8300% | 172 |
| Noncurrent loans to loans | 2.2424% | 661 |
| Net loans and leases to total assets | 71.2176% | 2,294 |
| Net loans and leases to deposits | 77.4210% | 3,072 |
| Net loans and leases to core deposits | 77.4210% | 3,542 |
| Total domestic deposits to total assets | 91.9874% | 110 |
| Equity capital to assets | 7.7172% | 5,360 |
| Core capital (leverage) ratio | 8.1652% | 5,336 |
| Tier 1 risk-based capital ratio | 14.4153% | 3,160 |
| Total risk-based capital ratio | 15.6651% | 3,076 |
| Memoranda: | ||
| Average total assets | $10,335,000 | 5,598 |
| Average earning assets | $9,293,500 | 5,586 |
| Average equity | $823,000 | 5,600 |
| Average total loans | $7,573,500 | 5,526 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8676% | 855 |
| Cost of funding earning assets | 0.4406% | 2,868 |
| Net interest margin | 4.4271% | 720 |
| Noninterest income to average assets | 0.8638% | 1,370 |
| Noninterest expense to average assets | 5.0665% | 213 |
| Loan and lease loss provision to assets | 0.0291% | 3,691 |
| Net operating income to assets | -0.2329% | 5,458 |
| Return on assets (ROA) | -0.2329% | 5,456 |
| Pretax return on assets | -0.2329% | 5,505 |
| Return on Equity (ROE) | -2.8423% | 5,484 |
| Retained earnings to average equity (ytd only) | -2.8423% | 5,336 |
| Net charge-offs to loans | 0.0270% | 3,272 |
| Credit loss provision to net charge-offs | 150.0000% | 1,774 |
| Earnings coverage of net charge-offs (x) | -10.5000% | 4,089 |
| Efficiency ratio | 104.1916% | 131 |
| Assets per employee ($millions) | 1.4534% | 5,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3746% | 1,860 |
| Loan loss allowance to noncurrent loans | 104.0000% | 3,452 |
| Noncurrent assets plus other real estate owned to assets | 3.2632% | 230 |
| Noncurrent loans to loans | 1.3217% | 1,318 |
| Net loans and leases to total assets | 73.3438% | 2,038 |
| Net loans and leases to deposits | 80.1848% | 2,894 |
| Net loans and leases to core deposits | 80.1848% | 3,405 |
| Total domestic deposits to total assets | 91.4684% | 145 |
| Equity capital to assets | 8.2170% | 5,293 |
| Core capital (leverage) ratio | 8.1369% | 5,385 |
| Tier 1 risk-based capital ratio | 14.9051% | 2,890 |
| Total risk-based capital ratio | 16.1588% | 2,823 |
| Memoranda: | ||
| Average total assets | $10,303,000 | 5,661 |
| Average earning assets | $9,306,400 | 5,650 |
| Average equity | $844,400 | 5,664 |
| Average total loans | $7,415,600 | 5,589 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7468% | 1,039 |
| Cost of funding earning assets | 0.4419% | 2,791 |
| Net interest margin | 4.3049% | 913 |
| Noninterest income to average assets | 0.8772% | 1,346 |
| Noninterest expense to average assets | 5.1344% | 205 |
| Loan and lease loss provision to assets | 0.0258% | 3,617 |
| Net operating income to assets | -0.3870% | 5,616 |
| Return on assets (ROA) | -0.3870% | 5,616 |
| Pretax return on assets | -0.3870% | 5,608 |
| Return on Equity (ROE) | -4.7253% | 5,630 |
| Retained earnings to average equity (ytd only) | -4.7253% | 5,535 |
| Net charge-offs to loans | 0.0542% | 2,366 |
| Credit loss provision to net charge-offs | 66.6667% | 2,728 |
| Earnings coverage of net charge-offs (x) | -9.3325% | 3,766 |
| Efficiency ratio | 107.5676% | 110 |
| Assets per employee ($millions) | 1.5149% | 5,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3528% | 2,109 |
| Loan loss allowance to noncurrent loans | 28.9773% | 4,961 |
| Noncurrent assets plus other real estate owned to assets | 4.1494% | 158 |
| Noncurrent loans to loans | 4.6684% | 186 |
| Net loans and leases to total assets | 70.1433% | 2,535 |
| Net loans and leases to deposits | 76.4754% | 3,326 |
| Net loans and leases to core deposits | 76.4754% | 3,766 |
| Total domestic deposits to total assets | 91.7201% | 82 |
| Equity capital to assets | 7.9027% | 5,541 |
| Core capital (leverage) ratio | 8.2013% | 5,419 |
| Tier 1 risk-based capital ratio | 14.5551% | 3,154 |
| Total risk-based capital ratio | 15.8066% | 3,068 |
| Memoranda: | ||
| Average total assets | $10,335,250 | 5,726 |
| Average earning assets | $9,353,500 | 5,715 |
| Average equity | $846,500 | 5,732 |
| Average total loans | $7,378,000 | 5,652 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7208% | 1,016 |
| Cost of funding earning assets | 0.4548% | 2,557 |
| Net interest margin | 4.2661% | 947 |
| Noninterest income to average assets | 0.9370% | 1,161 |
| Noninterest expense to average assets | 5.2315% | 200 |
| Loan and lease loss provision to assets | 0.0390% | 3,236 |
| Net operating income to assets | -0.4880% | 5,679 |
| Return on assets (ROA) | -0.4880% | 5,677 |
| Pretax return on assets | -0.4880% | 5,665 |
| Return on Equity (ROE) | -5.8870% | 5,693 |
| Retained earnings to average equity (ytd only) | -5.8870% | 5,567 |
| Net charge-offs to loans | 0.0273% | 2,665 |
| Credit loss provision to net charge-offs | 200.0000% | 1,260 |
| Earnings coverage of net charge-offs (x) | -23.0000% | 3,495 |
| Efficiency ratio | 109.3878% | 106 |
| Assets per employee ($millions) | 1.5051% | 5,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3584% | 2,127 |
| Loan loss allowance to noncurrent loans | 35.3741% | 4,878 |
| Noncurrent assets plus other real estate owned to assets | 3.6257% | 208 |
| Noncurrent loans to loans | 3.8401% | 264 |
| Net loans and leases to total assets | 71.6781% | 2,253 |
| Net loans and leases to deposits | 78.2510% | 3,093 |
| Net loans and leases to core deposits | 78.2510% | 3,572 |
| Total domestic deposits to total assets | 91.6002% | 121 |
| Equity capital to assets | 8.0201% | 5,530 |
| Core capital (leverage) ratio | 8.3865% | 5,292 |
| Tier 1 risk-based capital ratio | 14.5458% | 3,141 |
| Total risk-based capital ratio | 15.7877% | 3,070 |
| Memoranda: | ||
| Average total assets | $10,245,670 | 5,777 |
| Average earning assets | $9,235,670 | 5,765 |
| Average equity | $849,330 | 5,783 |
| Average total loans | $7,324,000 | 5,702 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9525% | 566 |
| Cost of funding earning assets | 0.4422% | 2,594 |
| Net interest margin | 4.5103% | 514 |
| Noninterest income to average assets | 0.9109% | 1,206 |
| Noninterest expense to average assets | 5.5446% | 187 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.5941% | 5,750 |
| Return on assets (ROA) | -0.5941% | 5,748 |
| Pretax return on assets | -0.5941% | 5,742 |
| Return on Equity (ROE) | -7.0505% | 5,762 |
| Retained earnings to average equity (ytd only) | -7.0505% | 5,494 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.0000% | 106 |
| Assets per employee ($millions) | 1.2956% | 5,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4448% | 1,883 |
| Loan loss allowance to noncurrent loans | 27.1768% | 5,096 |
| Noncurrent assets plus other real estate owned to assets | 5.8370% | 88 |
| Noncurrent loans to loans | 5.3163% | 146 |
| Net loans and leases to total assets | 67.7858% | 2,710 |
| Net loans and leases to deposits | 74.1452% | 3,386 |
| Net loans and leases to core deposits | 81.3383% | 3,155 |
| Total domestic deposits to total assets | 91.4231% | 192 |
| Equity capital to assets | 8.2007% | 5,416 |
| Core capital (leverage) ratio | 8.6224% | 5,128 |
| Tier 1 risk-based capital ratio | 14.6834% | 3,123 |
| Total risk-based capital ratio | 15.9396% | 3,045 |
| Memoranda: | ||
| Average total assets | $10,100,000 | 5,847 |
| Average earning assets | $9,046,000 | 5,833 |
| Average equity | $851,000 | 5,849 |
| Average total loans | $7,158,000 | 5,771 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9258% | 694 |
| Cost of funding earning assets | 0.4767% | 2,288 |
| Net interest margin | 4.4492% | 684 |
| Noninterest income to average assets | 1.3572% | 623 |
| Noninterest expense to average assets | 5.2748% | 231 |
| Loan and lease loss provision to assets | 0.0385% | 3,606 |
| Net operating income to assets | 0.0866% | 5,579 |
| Return on assets (ROA) | 0.0866% | 5,605 |
| Pretax return on assets | 0.0866% | 5,602 |
| Return on Equity (ROE) | 1.0335% | 5,562 |
| Retained earnings to average equity (ytd only) | 1.0335% | 4,907 |
| Net charge-offs to loans | -0.0266% | 5,200 |
| Credit loss provision to net charge-offs | -200.0000% | 5,000 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.6827% | 256 |
| Assets per employee ($millions) | 1.2294% | 5,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4331% | 1,945 |
| Loan loss allowance to noncurrent loans | 24.2925% | 5,179 |
| Noncurrent assets plus other real estate owned to assets | 6.6802% | 76 |
| Noncurrent loans to loans | 5.8995% | 105 |
| Net loans and leases to total assets | 72.0285% | 2,164 |
| Net loans and leases to deposits | 79.2039% | 2,974 |
| Net loans and leases to core deposits | 79.2039% | 3,463 |
| Total domestic deposits to total assets | 90.9405% | 299 |
| Equity capital to assets | 8.6629% | 5,141 |
| Core capital (leverage) ratio | 8.6182% | 5,154 |
| Tier 1 risk-based capital ratio | 15.3497% | 2,822 |
| Total risk-based capital ratio | 16.6056% | 2,743 |
| Memoranda: | ||
| Average total assets | $10,389,000 | 5,902 |
| Average earning assets | $9,440,000 | 5,890 |
| Average equity | $870,800 | 5,909 |
| Average total loans | $7,524,600 | 5,822 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9245% | 694 |
| Cost of funding earning assets | 0.4578% | 2,481 |
| Net interest margin | 4.4667% | 679 |
| Noninterest income to average assets | 1.0512% | 1,026 |
| Noninterest expense to average assets | 5.1546% | 236 |
| Loan and lease loss provision to assets | 0.0380% | 3,480 |
| Net operating income to assets | -0.0634% | 5,750 |
| Return on assets (ROA) | -0.0634% | 5,764 |
| Pretax return on assets | -0.0634% | 5,756 |
| Return on Equity (ROE) | -0.7619% | 5,770 |
| Retained earnings to average equity (ytd only) | -0.7619% | 5,473 |
| Net charge-offs to loans | -0.0351% | 5,221 |
| Credit loss provision to net charge-offs | -150.0000% | 4,804 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.4938% | 220 |
| Assets per employee ($millions) | 1.3048% | 5,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3914% | 2,237 |
| Loan loss allowance to noncurrent loans | 49.5146% | 4,745 |
| Noncurrent assets plus other real estate owned to assets | 2.8166% | 444 |
| Noncurrent loans to loans | 2.8100% | 571 |
| Net loans and leases to total assets | 69.2566% | 2,603 |
| Net loans and leases to deposits | 75.8313% | 3,415 |
| Net loans and leases to core deposits | 75.8313% | 3,858 |
| Total domestic deposits to total assets | 91.3298% | 138 |
| Equity capital to assets | 8.3062% | 5,620 |
| Core capital (leverage) ratio | 8.3125% | 5,493 |
| Tier 1 risk-based capital ratio | 15.2788% | 2,928 |
| Total risk-based capital ratio | 16.5314% | 2,856 |
| Memoranda: | ||
| Average total assets | $10,527,500 | 5,967 |
| Average earning assets | $9,611,500 | 5,956 |
| Average equity | $875,500 | 5,975 |
| Average total loans | $7,609,000 | 5,885 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8073% | 869 |
| Cost of funding earning assets | 0.4559% | 2,510 |
| Net interest margin | 4.3514% | 848 |
| Noninterest income to average assets | 1.0609% | 996 |
| Noninterest expense to average assets | 4.9634% | 274 |
| Loan and lease loss provision to assets | 0.0379% | 3,398 |
| Net operating income to assets | 0.0379% | 5,736 |
| Return on assets (ROA) | 0.0379% | 5,767 |
| Pretax return on assets | 0.0379% | 5,769 |
| Return on Equity (ROE) | 0.4554% | 5,753 |
| Retained earnings to average equity (ytd only) | 0.4554% | 5,166 |
| Net charge-offs to loans | -0.0519% | 5,386 |
| Credit loss provision to net charge-offs | -100.0000% | 4,599 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.4962% | 273 |
| Assets per employee ($millions) | 1.5916% | 5,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3277% | 2,634 |
| Loan loss allowance to noncurrent loans | 23.8771% | 5,375 |
| Noncurrent assets plus other real estate owned to assets | 4.5867% | 170 |
| Noncurrent loans to loans | 5.5607% | 143 |
| Net loans and leases to total assets | 67.3728% | 2,886 |
| Net loans and leases to deposits | 73.4227% | 3,662 |
| Net loans and leases to core deposits | 73.4227% | 4,042 |
| Total domestic deposits to total assets | 91.7602% | 106 |
| Equity capital to assets | 7.8988% | 5,833 |
| Core capital (leverage) ratio | 8.2281% | 5,588 |
| Tier 1 risk-based capital ratio | 14.4800% | 3,328 |
| Total risk-based capital ratio | 15.7240% | 3,265 |
| Memoranda: | ||
| Average total assets | $10,557,330 | 6,045 |
| Average earning assets | $9,652,000 | 6,033 |
| Average equity | $878,330 | 6,052 |
| Average total loans | $7,701,670 | 5,961 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2416% | 390 |
| Cost of funding earning assets | 0.4261% | 2,803 |
| Net interest margin | 4.8154% | 350 |
| Noninterest income to average assets | 0.8962% | 1,321 |
| Noninterest expense to average assets | 5.3383% | 230 |
| Loan and lease loss provision to assets | 0.0390% | 3,127 |
| Net operating income to assets | -0.0779% | 5,834 |
| Return on assets (ROA) | -0.0779% | 5,851 |
| Pretax return on assets | -0.0779% | 5,851 |
| Return on Equity (ROE) | -0.9117% | 5,868 |
| Retained earnings to average equity (ytd only) | -0.9117% | 5,271 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.7353% | 275 |
| Assets per employee ($millions) | 1.3069% | 6,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2605% | 3,113 |
| Loan loss allowance to noncurrent loans | 34.2657% | 5,200 |
| Noncurrent assets plus other real estate owned to assets | 2.7355% | 507 |
| Noncurrent loans to loans | 3.6785% | 352 |
| Net loans and leases to total assets | 73.4290% | 1,818 |
| Net loans and leases to deposits | 80.4801% | 2,733 |
| Net loans and leases to core deposits | 80.4801% | 3,282 |
| Total domestic deposits to total assets | 91.2386% | 211 |
| Equity capital to assets | 8.3883% | 5,645 |
| Core capital (leverage) ratio | 8.3341% | 5,538 |
| Tier 1 risk-based capital ratio | 15.0354% | 3,139 |
| Total risk-based capital ratio | 16.2783% | 3,080 |
| Memoranda: | ||
| Average total assets | $10,265,500 | 6,112 |
| Average earning assets | $9,386,500 | 6,098 |
| Average equity | $877,500 | 6,114 |
| Average total loans | $7,749,000 | 6,017 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1532% | 467 |
| Cost of funding earning assets | 0.4755% | 2,394 |
| Net interest margin | 4.6777% | 472 |
| Noninterest income to average assets | 0.9282% | 1,359 |
| Noninterest expense to average assets | 5.2061% | 246 |
| Loan and lease loss provision to assets | 0.2119% | 985 |
| Net operating income to assets | -0.2119% | 5,967 |
| Return on assets (ROA) | -0.2119% | 5,979 |
| Pretax return on assets | -0.2220% | 5,969 |
| Return on Equity (ROE) | -2.3617% | 5,991 |
| Retained earnings to average equity (ytd only) | -2.3617% | 5,775 |
| Net charge-offs to loans | 0.1623% | 1,747 |
| Credit loss provision to net charge-offs | 175.0000% | 1,547 |
| Earnings coverage of net charge-offs (x) | -0.0833% | 4,274 |
| Efficiency ratio | 100.1942% | 280 |
| Assets per employee ($millions) | 1.2595% | 6,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2560% | 3,130 |
| Loan loss allowance to noncurrent loans | 88.9908% | 3,928 |
| Noncurrent assets plus other real estate owned to assets | 1.0818% | 2,029 |
| Noncurrent loans to loans | 1.4114% | 1,654 |
| Net loans and leases to total assets | 75.6848% | 1,466 |
| Net loans and leases to deposits | 83.2624% | 2,450 |
| Net loans and leases to core deposits | 83.2624% | 3,026 |
| Total domestic deposits to total assets | 90.8992% | 306 |
| Equity capital to assets | 8.7138% | 5,377 |
| Core capital (leverage) ratio | 8.4023% | 5,521 |
| Tier 1 risk-based capital ratio | 15.2409% | 3,058 |
| Total risk-based capital ratio | 16.4804% | 3,001 |
| Memoranda: | ||
| Average total assets | $9,911,400 | 6,173 |
| Average earning assets | $9,043,000 | 6,160 |
| Average equity | $889,200 | 6,176 |
| Average total loans | $7,393,200 | 6,079 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0704% | 544 |
| Cost of funding earning assets | 0.4893% | 2,323 |
| Net interest margin | 4.5811% | 562 |
| Noninterest income to average assets | 0.9321% | 1,367 |
| Noninterest expense to average assets | 5.2007% | 246 |
| Loan and lease loss provision to assets | 0.2702% | 598 |
| Net operating income to assets | -0.3513% | 6,102 |
| Return on assets (ROA) | -0.3513% | 6,112 |
| Pretax return on assets | -0.3647% | 6,104 |
| Return on Equity (ROE) | -3.8868% | 6,121 |
| Retained earnings to average equity (ytd only) | -3.8868% | 5,983 |
| Net charge-offs to loans | 0.2370% | 1,110 |
| Credit loss provision to net charge-offs | 153.8462% | 1,643 |
| Earnings coverage of net charge-offs (x) | -0.5384% | 4,027 |
| Efficiency ratio | 101.8519% | 262 |
| Assets per employee ($millions) | 1.2600% | 6,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2472% | 3,388 |
| Loan loss allowance to noncurrent loans | 65.9722% | 4,525 |
| Noncurrent assets plus other real estate owned to assets | 1.4286% | 1,599 |
| Noncurrent loans to loans | 1.8905% | 1,227 |
| Net loans and leases to total assets | 74.6230% | 1,623 |
| Net loans and leases to deposits | 82.1089% | 2,637 |
| Net loans and leases to core deposits | 82.1089% | 3,239 |
| Total domestic deposits to total assets | 90.8829% | 281 |
| Equity capital to assets | 8.7004% | 5,576 |
| Core capital (leverage) ratio | 8.7092% | 5,342 |
| Tier 1 risk-based capital ratio | 15.4297% | 3,079 |
| Total risk-based capital ratio | 16.6726% | 3,013 |
| Memoranda: | ||
| Average total assets | $9,870,250 | 6,260 |
| Average earning assets | $8,993,250 | 6,246 |
| Average equity | $892,000 | 6,263 |
| Average total loans | $7,310,750 | 6,162 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0088% | 586 |
| Cost of funding earning assets | 0.4492% | 2,738 |
| Net interest margin | 4.5596% | 566 |
| Noninterest income to average assets | 0.9183% | 1,395 |
| Noninterest expense to average assets | 5.1223% | 265 |
| Loan and lease loss provision to assets | 0.0408% | 3,297 |
| Net operating income to assets | -0.0816% | 6,040 |
| Return on assets (ROA) | -0.0816% | 6,067 |
| Pretax return on assets | -0.1020% | 6,067 |
| Return on Equity (ROE) | -0.8919% | 6,079 |
| Retained earnings to average equity (ytd only) | -0.8919% | 5,678 |
| Net charge-offs to loans | 0.2497% | 1,042 |
| Credit loss provision to net charge-offs | 22.2222% | 2,997 |
| Earnings coverage of net charge-offs (x) | -0.3333% | 3,737 |
| Efficiency ratio | 101.2097% | 292 |
| Assets per employee ($millions) | 1.2274% | 6,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0890% | 4,384 |
| Loan loss allowance to noncurrent loans | 25.7962% | 5,583 |
| Noncurrent assets plus other real estate owned to assets | 3.1979% | 485 |
| Noncurrent loans to loans | 4.2216% | 337 |
| Net loans and leases to total assets | 74.9262% | 1,515 |
| Net loans and leases to deposits | 82.8211% | 2,459 |
| Net loans and leases to core deposits | 82.8211% | 3,099 |
| Total domestic deposits to total assets | 90.4675% | 468 |
| Equity capital to assets | 9.1150% | 5,131 |
| Core capital (leverage) ratio | 9.1263% | 4,780 |
| Tier 1 risk-based capital ratio | 15.8626% | 2,923 |
| Total risk-based capital ratio | 17.1088% | 2,883 |
| Memoranda: | ||
| Average total assets | $9,800,330 | 6,337 |
| Average earning assets | $8,904,330 | 6,321 |
| Average equity | $897,000 | 6,338 |
| Average total loans | $7,208,670 | 6,236 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9603% | 613 |
| Cost of funding earning assets | 0.4509% | 2,758 |
| Net interest margin | 4.5093% | 597 |
| Noninterest income to average assets | 0.8988% | 1,388 |
| Noninterest expense to average assets | 5.1067% | 275 |
| Loan and lease loss provision to assets | 0.0409% | 3,098 |
| Net operating income to assets | -0.1634% | 6,129 |
| Return on assets (ROA) | -0.1634% | 6,150 |
| Pretax return on assets | -0.1634% | 6,142 |
| Return on Equity (ROE) | -1.7817% | 6,164 |
| Retained earnings to average equity (ytd only) | -1.7817% | 5,664 |
| Net charge-offs to loans | 0.2255% | 1,042 |
| Credit loss provision to net charge-offs | 25.0000% | 2,316 |
| Earnings coverage of net charge-offs (x) | -0.7500% | 3,158 |
| Efficiency ratio | 102.4590% | 306 |
| Assets per employee ($millions) | 1.2401% | 6,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2171% | 3,863 |
| Loan loss allowance to noncurrent loans | 62.5000% | 4,655 |
| Noncurrent assets plus other real estate owned to assets | 1.3708% | 1,933 |
| Noncurrent loans to loans | 1.9473% | 1,369 |
| Net loans and leases to total assets | 69.5394% | 2,198 |
| Net loans and leases to deposits | 76.8092% | 2,957 |
| Net loans and leases to core deposits | 76.8092% | 3,517 |
| Total domestic deposits to total assets | 90.5352% | 518 |
| Equity capital to assets | 9.0414% | 5,241 |
| Core capital (leverage) ratio | 9.0742% | 4,873 |
| Tier 1 risk-based capital ratio | 16.8718% | 2,530 |
| Total risk-based capital ratio | 18.1216% | 2,482 |
| Memoranda: | ||
| Average total assets | $9,791,000 | 6,405 |
| Average earning assets | $8,870,500 | 6,390 |
| Average equity | $898,000 | 6,407 |
| Average total loans | $7,094,000 | 6,307 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1005% | 630 |
| Cost of funding earning assets | 0.5078% | 2,593 |
| Net interest margin | 4.5927% | 624 |
| Noninterest income to average assets | 1.2022% | 831 |
| Noninterest expense to average assets | 5.3124% | 258 |
| Loan and lease loss provision to assets | 0.0411% | 3,756 |
| Net operating income to assets | 0.0411% | 6,038 |
| Return on assets (ROA) | 0.0411% | 6,064 |
| Pretax return on assets | 0.0308% | 6,060 |
| Return on Equity (ROE) | 0.4537% | 6,046 |
| Retained earnings to average equity (ytd only) | 0.4537% | 5,570 |
| Net charge-offs to loans | 0.0426% | 3,968 |
| Credit loss provision to net charge-offs | 133.3333% | 1,779 |
| Earnings coverage of net charge-offs (x) | 2.3333% | 4,182 |
| Efficiency ratio | 98.6641% | 399 |
| Assets per employee ($millions) | 1.0734% | 6,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2215% | 3,871 |
| Loan loss allowance to noncurrent loans | 69.8413% | 4,525 |
| Noncurrent assets plus other real estate owned to assets | 1.3042% | 2,157 |
| Noncurrent loans to loans | 1.7490% | 1,654 |
| Net loans and leases to total assets | 73.6570% | 1,645 |
| Net loans and leases to deposits | 81.6055% | 2,525 |
| Net loans and leases to core deposits | 81.6055% | 3,144 |
| Total domestic deposits to total assets | 90.2598% | 624 |
| Equity capital to assets | 9.3055% | 4,948 |
| Core capital (leverage) ratio | 9.1851% | 4,700 |
| Tier 1 risk-based capital ratio | 16.9894% | 2,518 |
| Total risk-based capital ratio | 18.2422% | 2,476 |
| Memoranda: | ||
| Average total assets | $9,732,000 | 6,496 |
| Average earning assets | $8,861,800 | 6,483 |
| Average equity | $881,600 | 6,500 |
| Average total loans | $7,045,000 | 6,394 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0415% | 718 |
| Cost of funding earning assets | 0.5252% | 2,515 |
| Net interest margin | 4.5163% | 713 |
| Noninterest income to average assets | 1.2581% | 762 |
| Noninterest expense to average assets | 5.3744% | 244 |
| Loan and lease loss provision to assets | 0.0410% | 3,585 |
| Net operating income to assets | -0.0274% | 6,161 |
| Return on assets (ROA) | -0.0274% | 6,175 |
| Pretax return on assets | -0.0410% | 6,170 |
| Return on Equity (ROE) | -0.3044% | 6,177 |
| Retained earnings to average equity (ytd only) | -0.3044% | 5,848 |
| Net charge-offs to loans | 0.0952% | 2,856 |
| Credit loss provision to net charge-offs | 60.0000% | 2,934 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 4,451 |
| Efficiency ratio | 100.0000% | 362 |
| Assets per employee ($millions) | 1.0708% | 6,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2158% | 4,145 |
| Loan loss allowance to noncurrent loans | 85.8586% | 4,022 |
| Noncurrent assets plus other real estate owned to assets | 1.0273% | 2,906 |
| Noncurrent loans to loans | 1.4161% | 2,296 |
| Net loans and leases to total assets | 71.6613% | 1,914 |
| Net loans and leases to deposits | 79.2336% | 2,818 |
| Net loans and leases to core deposits | 79.2336% | 3,405 |
| Total domestic deposits to total assets | 90.4431% | 549 |
| Equity capital to assets | 9.1315% | 5,227 |
| Core capital (leverage) ratio | 9.1086% | 4,921 |
| Tier 1 risk-based capital ratio | 17.0863% | 2,585 |
| Total risk-based capital ratio | 18.3356% | 2,538 |
| Memoranda: | ||
| Average total assets | $9,749,750 | 6,577 |
| Average earning assets | $8,886,000 | 6,563 |
| Average equity | $877,250 | 6,578 |
| Average total loans | $7,005,250 | 6,468 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0371% | 699 |
| Cost of funding earning assets | 0.5397% | 2,438 |
| Net interest margin | 4.4974% | 710 |
| Noninterest income to average assets | 1.2465% | 754 |
| Noninterest expense to average assets | 5.3539% | 253 |
| Loan and lease loss provision to assets | 0.0409% | 3,497 |
| Net operating income to assets | -0.0409% | 6,215 |
| Return on assets (ROA) | -0.0409% | 6,231 |
| Pretax return on assets | -0.0613% | 6,229 |
| Return on Equity (ROE) | -0.4564% | 6,236 |
| Retained earnings to average equity (ytd only) | -0.4564% | 5,763 |
| Net charge-offs to loans | -0.0285% | 5,668 |
| Credit loss provision to net charge-offs | -200.0000% | 5,389 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.3831% | 391 |
| Assets per employee ($millions) | 1.2438% | 6,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2658% | 4,045 |
| Loan loss allowance to noncurrent loans | 209.3023% | 2,051 |
| Noncurrent assets plus other real estate owned to assets | 0.4322% | 4,718 |
| Noncurrent loans to loans | 0.6048% | 4,210 |
| Net loans and leases to total assets | 70.5528% | 1,992 |
| Net loans and leases to deposits | 77.8961% | 2,812 |
| Net loans and leases to core deposits | 77.8961% | 3,452 |
| Total domestic deposits to total assets | 90.5729% | 557 |
| Equity capital to assets | 8.8543% | 5,466 |
| Core capital (leverage) ratio | 8.9590% | 5,081 |
| Tier 1 risk-based capital ratio | 16.9462% | 2,642 |
| Total risk-based capital ratio | 18.2043% | 2,601 |
| Memoranda: | ||
| Average total assets | $9,787,330 | 6,644 |
| Average earning assets | $8,894,000 | 6,629 |
| Average equity | $876,330 | 6,645 |
| Average total loans | $7,010,000 | 6,530 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1268% | 567 |
| Cost of funding earning assets | 0.4991% | 2,918 |
| Net interest margin | 4.6277% | 532 |
| Noninterest income to average assets | 0.9479% | 1,263 |
| Noninterest expense to average assets | 5.3987% | 254 |
| Loan and lease loss provision to assets | 0.0412% | 3,265 |
| Net operating income to assets | -0.2061% | 6,358 |
| Return on assets (ROA) | -0.2061% | 6,361 |
| Pretax return on assets | -0.2885% | 6,387 |
| Return on Equity (ROE) | -2.2883% | 6,364 |
| Retained earnings to average equity (ytd only) | -2.2883% | 5,880 |
| Net charge-offs to loans | -0.0575% | 5,868 |
| Credit loss provision to net charge-offs | -100.0000% | 4,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.8000% | 352 |
| Assets per employee ($millions) | 1.2475% | 6,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2597% | 4,324 |
| Loan loss allowance to noncurrent loans | 48.1081% | 5,263 |
| Noncurrent assets plus other real estate owned to assets | 1.8537% | 1,875 |
| Noncurrent loans to loans | 2.6185% | 1,312 |
| Net loans and leases to total assets | 69.8998% | 1,902 |
| Net loans and leases to deposits | 77.4079% | 2,639 |
| Net loans and leases to core deposits | 77.4079% | 3,262 |
| Total domestic deposits to total assets | 90.3006% | 916 |
| Equity capital to assets | 8.7976% | 5,341 |
| Core capital (leverage) ratio | 9.0566% | 4,925 |
| Tier 1 risk-based capital ratio | 16.7201% | 2,803 |
| Total risk-based capital ratio | 17.9830% | 2,759 |
| Memoranda: | ||
| Average total assets | $9,706,000 | 6,719 |
| Average earning assets | $8,816,500 | 6,702 |
| Average equity | $874,000 | 6,712 |
| Average total loans | $6,960,000 | 6,601 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3897% | 445 |
| Cost of funding earning assets | 0.5910% | 2,749 |
| Net interest margin | 4.7987% | 431 |
| Noninterest income to average assets | 1.1936% | 994 |
| Noninterest expense to average assets | 5.2538% | 290 |
| Loan and lease loss provision to assets | 0.0107% | 4,912 |
| Net operating income to assets | 0.2664% | 5,633 |
| Return on assets (ROA) | 0.2664% | 5,715 |
| Pretax return on assets | 0.2558% | 5,836 |
| Return on Equity (ROE) | 2.8822% | 5,551 |
| Retained earnings to average equity (ytd only) | 2.8822% | 4,195 |
| Net charge-offs to loans | -0.0145% | 6,084 |
| Credit loss provision to net charge-offs | -100.0000% | 5,873 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1737% | 691 |
| Assets per employee ($millions) | 1.1790% | 6,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2691% | 4,299 |
| Loan loss allowance to noncurrent loans | 50.2890% | 5,245 |
| Noncurrent assets plus other real estate owned to assets | 1.8342% | 1,998 |
| Noncurrent loans to loans | 2.5237% | 1,489 |
| Net loans and leases to total assets | 71.7557% | 1,725 |
| Net loans and leases to deposits | 79.9055% | 2,470 |
| Net loans and leases to core deposits | 79.9055% | 3,148 |
| Total domestic deposits to total assets | 89.8007% | 1,177 |
| Equity capital to assets | 9.2239% | 4,777 |
| Core capital (leverage) ratio | 9.2278% | 4,677 |
| Tier 1 risk-based capital ratio | 17.4023% | 2,454 |
| Total risk-based capital ratio | 18.6661% | 2,423 |
| Memoranda: | ||
| Average total assets | $9,383,600 | 6,800 |
| Average earning assets | $8,460,600 | 6,789 |
| Average equity | $867,400 | 6,802 |
| Average total loans | $6,886,200 | 6,687 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4512% | 402 |
| Cost of funding earning assets | 0.5846% | 2,955 |
| Net interest margin | 4.8666% | 385 |
| Noninterest income to average assets | 1.2520% | 935 |
| Noninterest expense to average assets | 5.2214% | 298 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4410% | 5,070 |
| Return on assets (ROA) | 0.4410% | 5,212 |
| Pretax return on assets | 0.4125% | 5,591 |
| Return on Equity (ROE) | 4.7684% | 4,843 |
| Retained earnings to average equity (ytd only) | 4.7684% | 3,257 |
| Net charge-offs to loans | -0.0193% | 6,032 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6768% | 809 |
| Assets per employee ($millions) | 1.0429% | 6,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2779% | 4,512 |
| Loan loss allowance to noncurrent loans | 70.4918% | 4,392 |
| Noncurrent assets plus other real estate owned to assets | 1.2998% | 3,056 |
| Noncurrent loans to loans | 1.8128% | 2,483 |
| Net loans and leases to total assets | 70.7863% | 1,819 |
| Net loans and leases to deposits | 78.7484% | 2,553 |
| Net loans and leases to core deposits | 78.7484% | 3,263 |
| Total domestic deposits to total assets | 89.8892% | 1,062 |
| Equity capital to assets | 9.1200% | 5,027 |
| Core capital (leverage) ratio | 9.3533% | 4,607 |
| Tier 1 risk-based capital ratio | 17.8451% | 2,383 |
| Total risk-based capital ratio | 19.0929% | 2,346 |
| Memoranda: | ||
| Average total assets | $9,371,500 | 6,880 |
| Average earning assets | $8,438,250 | 6,867 |
| Average equity | $866,750 | 6,880 |
| Average total loans | $6,894,000 | 6,762 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4178% | 435 |
| Cost of funding earning assets | 0.5678% | 3,239 |
| Net interest margin | 4.8500% | 406 |
| Noninterest income to average assets | 1.1744% | 1,102 |
| Noninterest expense to average assets | 5.1246% | 323 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4698% | 4,925 |
| Return on assets (ROA) | 0.4698% | 5,105 |
| Pretax return on assets | 0.4270% | 5,585 |
| Return on Equity (ROE) | 5.0556% | 4,701 |
| Retained earnings to average equity (ytd only) | 5.0556% | 3,021 |
| Net charge-offs to loans | -0.0288% | 6,087 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3077% | 875 |
| Assets per employee ($millions) | 1.2146% | 6,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2433% | 4,764 |
| Loan loss allowance to noncurrent loans | 168.6275% | 2,294 |
| Noncurrent assets plus other real estate owned to assets | 0.5249% | 4,956 |
| Noncurrent loans to loans | 0.7373% | 4,452 |
| Net loans and leases to total assets | 70.2995% | 1,833 |
| Net loans and leases to deposits | 78.1221% | 2,555 |
| Net loans and leases to core deposits | 78.1221% | 3,270 |
| Total domestic deposits to total assets | 89.9866% | 1,028 |
| Equity capital to assets | 9.0357% | 5,182 |
| Core capital (leverage) ratio | 9.3511% | 4,470 |
| Tier 1 risk-based capital ratio | 17.5074% | 2,513 |
| Total risk-based capital ratio | 18.7635% | 2,480 |
| Memoranda: | ||
| Average total assets | $9,366,670 | 6,930 |
| Average earning assets | $8,453,670 | 6,916 |
| Average equity | $870,330 | 6,930 |
| Average total loans | $6,948,670 | 6,810 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5812% | 322 |
| Cost of funding earning assets | 0.5339% | 3,737 |
| Net interest margin | 5.0473% | 272 |
| Noninterest income to average assets | 1.3491% | 843 |
| Noninterest expense to average assets | 4.8741% | 401 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0009% | 2,221 |
| Return on assets (ROA) | 1.0009% | 2,339 |
| Pretax return on assets | 1.0009% | 3,350 |
| Return on Equity (ROE) | 10.6174% | 1,831 |
| Retained earnings to average equity (ytd only) | 10.6174% | 957 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9630% | 1,892 |
| Assets per employee ($millions) | 1.1569% | 6,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2255% | 5,064 |
| Loan loss allowance to noncurrent loans | 40.6699% | 5,581 |
| Noncurrent assets plus other real estate owned to assets | 2.2582% | 2,067 |
| Noncurrent loans to loans | 3.0133% | 1,667 |
| Net loans and leases to total assets | 74.0249% | 1,075 |
| Net loans and leases to deposits | 82.7815% | 1,737 |
| Net loans and leases to core deposits | 82.7815% | 2,475 |
| Total domestic deposits to total assets | 89.4219% | 1,402 |
| Equity capital to assets | 9.4760% | 4,882 |
| Core capital (leverage) ratio | 9.6152% | 3,895 |
| Tier 1 risk-based capital ratio | 17.6949% | 2,484 |
| Total risk-based capital ratio | 18.9447% | 2,453 |
| Memoranda: | ||
| Average total assets | $9,191,500 | 7,010 |
| Average earning assets | $8,242,000 | 6,997 |
| Average equity | $866,500 | 7,001 |
| Average total loans | $6,964,500 | 6,880 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6963% | 435 |
| Cost of funding earning assets | 0.6476% | 3,932 |
| Net interest margin | 5.0487% | 354 |
| Noninterest income to average assets | 1.5772% | 636 |
| Noninterest expense to average assets | 5.3109% | 304 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.7832% | 3,357 |
| Return on assets (ROA) | 0.7832% | 3,606 |
| Pretax return on assets | 0.7832% | 4,356 |
| Return on Equity (ROE) | 8.9395% | 2,670 |
| Retained earnings to average equity (ytd only) | 8.9395% | 845 |
| Net charge-offs to loans | 0.1473% | 4,219 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 7.3000% | 2,637 |
| Efficiency ratio | 87.1479% | 1,316 |
| Assets per employee ($millions) | 1.1410% | 7,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2155% | 5,045 |
| Loan loss allowance to noncurrent loans | 59.0278% | 4,698 |
| Noncurrent assets plus other real estate owned to assets | 1.5776% | 3,021 |
| Noncurrent loans to loans | 2.0592% | 2,628 |
| Net loans and leases to total assets | 75.6792% | 965 |
| Net loans and leases to deposits | 84.5739% | 1,686 |
| Net loans and leases to core deposits | 84.5739% | 2,482 |
| Total domestic deposits to total assets | 89.4829% | 1,255 |
| Equity capital to assets | 9.3777% | 5,027 |
| Core capital (leverage) ratio | 9.2820% | 4,450 |
| Tier 1 risk-based capital ratio | 16.8441% | 2,731 |
| Total risk-based capital ratio | 18.1026% | 2,688 |
| Memoranda: | ||
| Average total assets | $9,320,400 | 7,070 |
| Average earning assets | $8,338,800 | 7,060 |
| Average equity | $816,600 | 7,072 |
| Average total loans | $6,790,200 | 6,959 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6487% | 512 |
| Cost of funding earning assets | 0.6329% | 4,336 |
| Net interest margin | 5.0158% | 390 |
| Noninterest income to average assets | 1.7220% | 528 |
| Noninterest expense to average assets | 5.2230% | 317 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0104% | 2,450 |
| Return on assets (ROA) | 1.0104% | 2,679 |
| Pretax return on assets | 1.0104% | 3,669 |
| Return on Equity (ROE) | 11.7335% | 1,729 |
| Retained earnings to average equity (ytd only) | 11.7335% | 575 |
| Net charge-offs to loans | 0.1978% | 3,542 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 7.1013% | 2,662 |
| Efficiency ratio | 83.7900% | 1,616 |
| Assets per employee ($millions) | 1.1893% | 7,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2289% | 5,149 |
| Loan loss allowance to noncurrent loans | 157.4074% | 2,181 |
| Noncurrent assets plus other real estate owned to assets | 0.5676% | 5,251 |
| Noncurrent loans to loans | 0.7807% | 4,849 |
| Net loans and leases to total assets | 71.8100% | 1,584 |
| Net loans and leases to deposits | 79.8411% | 2,411 |
| Net loans and leases to core deposits | 79.8411% | 3,226 |
| Total domestic deposits to total assets | 89.9411% | 884 |
| Equity capital to assets | 8.9447% | 5,875 |
| Core capital (leverage) ratio | 9.2646% | 4,654 |
| Tier 1 risk-based capital ratio | 16.8478% | 2,809 |
| Total risk-based capital ratio | 18.1095% | 2,763 |
| Memoranda: | ||
| Average total assets | $9,368,500 | 7,167 |
| Average earning assets | $8,426,500 | 7,152 |
| Average equity | $806,750 | 7,170 |
| Average total loans | $6,739,500 | 7,052 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6565% | 530 |
| Cost of funding earning assets | 0.6683% | 4,289 |
| Net interest margin | 4.9883% | 411 |
| Noninterest income to average assets | 1.2876% | 857 |
| Noninterest expense to average assets | 5.1717% | 335 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6009% | 4,363 |
| Return on assets (ROA) | 0.6009% | 4,616 |
| Pretax return on assets | 0.6009% | 5,130 |
| Return on Equity (ROE) | 7.0707% | 3,742 |
| Retained earnings to average equity (ytd only) | 7.0707% | 2,062 |
| Net charge-offs to loans | 0.1198% | 3,977 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,536 |
| Efficiency ratio | 89.5911% | 1,102 |
| Assets per employee ($millions) | 1.2006% | 7,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3277% | 4,754 |
| Loan loss allowance to noncurrent loans | 337.0370% | 1,064 |
| Noncurrent assets plus other real estate owned to assets | 0.7600% | 4,892 |
| Noncurrent loans to loans | 0.3939% | 5,751 |
| Net loans and leases to total assets | 70.4112% | 1,848 |
| Net loans and leases to deposits | 77.8072% | 2,702 |
| Net loans and leases to core deposits | 77.8072% | 3,545 |
| Total domestic deposits to total assets | 90.4945% | 668 |
| Equity capital to assets | 8.3706% | 6,326 |
| Core capital (leverage) ratio | 8.9375% | 5,000 |
| Tier 1 risk-based capital ratio | 16.1202% | 3,111 |
| Total risk-based capital ratio | 17.3692% | 3,077 |
| Memoranda: | ||
| Average total assets | $9,320,000 | 7,228 |
| Average earning assets | $8,379,670 | 7,214 |
| Average equity | $792,000 | 7,230 |
| Average total loans | $6,680,330 | 7,113 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7171% | 500 |
| Cost of funding earning assets | 0.6298% | 4,894 |
| Net interest margin | 5.0872% | 350 |
| Noninterest income to average assets | 1.3947% | 741 |
| Noninterest expense to average assets | 5.2738% | 305 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6974% | 3,894 |
| Return on assets (ROA) | 0.6974% | 4,112 |
| Pretax return on assets | 0.6974% | 4,802 |
| Return on Equity (ROE) | 8.1425% | 3,220 |
| Retained earnings to average equity (ytd only) | 8.1425% | 1,926 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3212% | 1,246 |
| Assets per employee ($millions) | 1.1459% | 7,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4361% | 4,442 |
| Loan loss allowance to noncurrent loans | 125.0000% | 2,531 |
| Noncurrent assets plus other real estate owned to assets | 1.3309% | 3,893 |
| Noncurrent loans to loans | 1.1489% | 4,412 |
| Net loans and leases to total assets | 71.1247% | 1,548 |
| Net loans and leases to deposits | 78.9060% | 2,351 |
| Net loans and leases to core deposits | 78.9060% | 3,197 |
| Total domestic deposits to total assets | 90.1385% | 1,011 |
| Equity capital to assets | 8.6615% | 5,916 |
| Core capital (leverage) ratio | 9.0103% | 4,826 |
| Tier 1 risk-based capital ratio | 16.2926% | 3,020 |
| Total risk-based capital ratio | 17.5551% | 2,973 |
| Memoranda: | ||
| Average total assets | $9,177,500 | 7,291 |
| Average earning assets | $8,256,000 | 7,277 |
| Average equity | $786,000 | 7,292 |
| Average total loans | $6,593,500 | 7,176 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7550% | 700 |
| Cost of funding earning assets | 1.0084% | 3,311 |
| Net interest margin | 4.7467% | 691 |
| Noninterest income to average assets | 1.2157% | 895 |
| Noninterest expense to average assets | 5.8702% | 226 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -0.4271% | 6,437 |
| Return on assets (ROA) | -0.4271% | 6,489 |
| Pretax return on assets | -0.4271% | 6,438 |
| Return on Equity (ROE) | -4.8291% | 6,522 |
| Retained earnings to average equity (ytd only) | -4.8291% | 6,436 |
| Net charge-offs to loans | 0.0634% | 5,664 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | -9.7500% | 6,396 |
| Efficiency ratio | 107.8471% | 478 |
| Assets per employee ($millions) | 1.1485% | 7,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4455% | 4,263 |
| Loan loss allowance to noncurrent loans | 380.0000% | 879 |
| Noncurrent assets plus other real estate owned to assets | 1.5781% | 3,576 |
| Noncurrent loans to loans | 0.3804% | 5,954 |
| Net loans and leases to total assets | 70.4941% | 1,931 |
| Net loans and leases to deposits | 78.0832% | 2,829 |
| Net loans and leases to core deposits | 78.0832% | 3,677 |
| Total domestic deposits to total assets | 90.2808% | 833 |
| Equity capital to assets | 8.4676% | 6,183 |
| Core capital (leverage) ratio | 8.4787% | 5,597 |
| Tier 1 risk-based capital ratio | 15.7666% | 3,176 |
| Total risk-based capital ratio | 17.0326% | 3,127 |
| Memoranda: | ||
| Average total assets | $9,130,800 | 7,342 |
| Average earning assets | $8,132,000 | 7,329 |
| Average equity | $807,600 | 7,342 |
| Average total loans | $6,304,600 | 7,236 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7643% | 755 |
| Cost of funding earning assets | 1.0674% | 3,191 |
| Net interest margin | 4.6968% | 769 |
| Noninterest income to average assets | 1.2285% | 871 |
| Noninterest expense to average assets | 5.5722% | 249 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.1609% | 6,342 |
| Return on assets (ROA) | -0.1609% | 6,418 |
| Pretax return on assets | -0.1609% | 6,378 |
| Return on Equity (ROE) | -1.8000% | 6,462 |
| Retained earnings to average equity (ytd only) | -1.8000% | 6,273 |
| Net charge-offs to loans | 0.0428% | 5,556 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | -5.4944% | 6,105 |
| Efficiency ratio | 102.9730% | 580 |
| Assets per employee ($millions) | 1.1611% | 7,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5495% | 3,888 |
| Loan loss allowance to noncurrent loans | 220.4545% | 1,411 |
| Noncurrent assets plus other real estate owned to assets | 1.7655% | 3,451 |
| Noncurrent loans to loans | 0.7029% | 5,475 |
| Net loans and leases to total assets | 66.3473% | 2,815 |
| Net loans and leases to deposits | 73.6584% | 3,697 |
| Net loans and leases to core deposits | 73.6584% | 4,510 |
| Total domestic deposits to total assets | 90.0743% | 824 |
| Equity capital to assets | 8.6662% | 6,122 |
| Core capital (leverage) ratio | 9.5886% | 4,014 |
| Tier 1 risk-based capital ratio | 16.4901% | 2,871 |
| Total risk-based capital ratio | 17.7494% | 2,828 |
| Memoranda: | ||
| Average total assets | $9,116,500 | 7,419 |
| Average earning assets | $8,118,750 | 7,408 |
| Average equity | $815,000 | 7,420 |
| Average total loans | $6,237,750 | 7,310 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7952% | 722 |
| Cost of funding earning assets | 1.0897% | 3,322 |
| Net interest margin | 4.7055% | 716 |
| Noninterest income to average assets | 1.2363% | 830 |
| Noninterest expense to average assets | 5.5856% | 256 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.1545% | 6,422 |
| Return on assets (ROA) | -0.1545% | 6,464 |
| Pretax return on assets | -0.1545% | 6,419 |
| Return on Equity (ROE) | -1.7108% | 6,489 |
| Retained earnings to average equity (ytd only) | -1.7108% | 6,201 |
| Net charge-offs to loans | 0.0642% | 4,998 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | -3.5000% | 5,770 |
| Efficiency ratio | 102.8455% | 640 |
| Assets per employee ($millions) | 1.1833% | 7,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5686% | 3,829 |
| Loan loss allowance to noncurrent loans | 96.0396% | 2,999 |
| Noncurrent assets plus other real estate owned to assets | 1.8487% | 3,439 |
| Noncurrent loans to loans | 1.6332% | 3,957 |
| Net loans and leases to total assets | 64.3038% | 3,397 |
| Net loans and leases to deposits | 71.3265% | 4,228 |
| Net loans and leases to core deposits | 71.3265% | 4,909 |
| Total domestic deposits to total assets | 90.1542% | 893 |
| Equity capital to assets | 8.5992% | 6,056 |
| Core capital (leverage) ratio | 9.8808% | 3,407 |
| Tier 1 risk-based capital ratio | 16.4942% | 2,745 |
| Total risk-based capital ratio | 17.7477% | 2,706 |
| Memoranda: | ||
| Average total assets | $9,059,000 | 7,495 |
| Average earning assets | $8,075,670 | 7,483 |
| Average equity | $818,330 | 7,496 |
| Average total loans | $6,230,330 | 7,381 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9440% | 537 |
| Cost of funding earning assets | 1.1177% | 3,399 |
| Net interest margin | 4.8263% | 541 |
| Noninterest income to average assets | 1.4003% | 664 |
| Noninterest expense to average assets | 5.7817% | 218 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.0903% | 6,449 |
| Return on assets (ROA) | -0.0903% | 6,469 |
| Pretax return on assets | -0.0903% | 6,439 |
| Return on Equity (ROE) | -0.9750% | 6,481 |
| Retained earnings to average equity (ytd only) | -0.9750% | 5,980 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.5873% | 690 |
| Assets per employee ($millions) | 1.1495% | 7,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6155% | 3,668 |
| Loan loss allowance to noncurrent loans | 150.0000% | 1,967 |
| Noncurrent assets plus other real estate owned to assets | 1.5224% | 3,969 |
| Noncurrent loans to loans | 1.0770% | 4,895 |
| Net loans and leases to total assets | 65.5611% | 3,116 |
| Net loans and leases to deposits | 72.9373% | 3,932 |
| Net loans and leases to core deposits | 72.9373% | 4,655 |
| Total domestic deposits to total assets | 89.8869% | 1,221 |
| Equity capital to assets | 8.8191% | 5,464 |
| Core capital (leverage) ratio | 10.2747% | 2,837 |
| Tier 1 risk-based capital ratio | 16.9996% | 2,475 |
| Total risk-based capital ratio | 18.2634% | 2,448 |
| Memoranda: | ||
| Average total assets | $8,855,500 | 7,556 |
| Average earning assets | $7,873,500 | 7,542 |
| Average equity | $820,500 | 7,550 |
| Average total loans | $6,253,500 | 7,440 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8216% | 195 |
| Cost of funding earning assets | 1.3694% | 3,455 |
| Net interest margin | 5.4522% | 188 |
| Noninterest income to average assets | 1.3667% | 783 |
| Noninterest expense to average assets | 5.7605% | 259 |
| Loan and lease loss provision to assets | 0.0565% | 6,575 |
| Net operating income to assets | 0.3614% | 4,703 |
| Return on assets (ROA) | 0.3614% | 4,862 |
| Pretax return on assets | 0.3614% | 5,055 |
| Return on Equity (ROE) | 3.9110% | 4,565 |
| Retained earnings to average equity (ytd only) | 3.9110% | 3,121 |
| Net charge-offs to loans | -0.0637% | 7,469 |
| Credit loss provision to net charge-offs | -125.0000% | 7,038 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2358% | 1,104 |
| Assets per employee ($millions) | 1.0644% | 7,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5520% | 3,767 |
| Loan loss allowance to noncurrent loans | 60.3659% | 4,401 |
| Noncurrent assets plus other real estate owned to assets | 3.3940% | 2,064 |
| Noncurrent loans to loans | 2.5709% | 2,956 |
| Net loans and leases to total assets | 73.7522% | 1,708 |
| Net loans and leases to deposits | 83.0249% | 2,626 |
| Net loans and leases to core deposits | 83.0249% | 3,741 |
| Total domestic deposits to total assets | 88.8315% | 1,754 |
| Equity capital to assets | 9.7475% | 4,057 |
| Core capital (leverage) ratio | 9.3359% | 3,955 |
| Tier 1 risk-based capital ratio | 16.9165% | 2,373 |
| Total risk-based capital ratio | 18.1726% | 2,344 |
| Memoranda: | ||
| Average total assets | $8,853,400 | 7,635 |
| Average earning assets | $7,813,400 | 7,621 |
| Average equity | $818,200 | 7,647 |
| Average total loans | $6,281,400 | 7,521 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9789% | 152 |
| Cost of funding earning assets | 1.3856% | 3,663 |
| Net interest margin | 5.5932% | 146 |
| Noninterest income to average assets | 1.1038% | 1,160 |
| Noninterest expense to average assets | 5.4447% | 279 |
| Loan and lease loss provision to assets | 0.0746% | 6,307 |
| Net operating income to assets | 0.5222% | 4,209 |
| Return on assets (ROA) | 0.5222% | 4,391 |
| Pretax return on assets | 0.5222% | 4,851 |
| Return on Equity (ROE) | 5.7246% | 3,939 |
| Retained earnings to average equity (ytd only) | 5.7246% | 2,527 |
| Net charge-offs to loans | -0.1279% | 7,580 |
| Credit loss provision to net charge-offs | -83.3333% | 6,902 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1235% | 1,276 |
| Assets per employee ($millions) | 1.1033% | 7,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6016% | 3,519 |
| Loan loss allowance to noncurrent loans | 1,262.5000% | 294 |
| Noncurrent assets plus other real estate owned to assets | 1.5409% | 4,137 |
| Noncurrent loans to loans | 0.1269% | 6,928 |
| Net loans and leases to total assets | 70.3036% | 2,662 |
| Net loans and leases to deposits | 79.1252% | 3,615 |
| Net loans and leases to core deposits | 79.1252% | 4,640 |
| Total domestic deposits to total assets | 88.8511% | 1,480 |
| Equity capital to assets | 9.4947% | 4,852 |
| Core capital (leverage) ratio | 9.4073% | 4,044 |
| Tier 1 risk-based capital ratio | 17.0256% | 2,330 |
| Total risk-based capital ratio | 18.2852% | 2,291 |
| Memoranda: | ||
| Average total assets | $8,938,000 | 7,737 |
| Average earning assets | $7,890,250 | 7,723 |
| Average equity | $815,250 | 7,748 |
| Average total loans | $6,257,000 | 7,621 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1778% | 125 |
| Cost of funding earning assets | 1.4659% | 3,453 |
| Net interest margin | 5.7119% | 132 |
| Noninterest income to average assets | 1.0919% | 1,118 |
| Noninterest expense to average assets | 5.4594% | 280 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.6685% | 3,538 |
| Return on assets (ROA) | 0.6685% | 3,684 |
| Pretax return on assets | 0.6685% | 4,344 |
| Return on Equity (ROE) | 7.4288% | 3,138 |
| Retained earnings to average equity (ytd only) | 7.4288% | 1,665 |
| Net charge-offs to loans | -0.1602% | 7,616 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0909% | 1,405 |
| Assets per employee ($millions) | 1.1453% | 7,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5029% | 3,922 |
| Loan loss allowance to noncurrent loans | 52.7778% | 4,780 |
| Noncurrent assets plus other real estate owned to assets | 2.5213% | 2,864 |
| Noncurrent loans to loans | 2.8477% | 2,812 |
| Net loans and leases to total assets | 67.9546% | 3,374 |
| Net loans and leases to deposits | 76.0660% | 4,323 |
| Net loans and leases to core deposits | 76.0660% | 5,185 |
| Total domestic deposits to total assets | 89.3364% | 1,267 |
| Equity capital to assets | 9.0810% | 5,322 |
| Core capital (leverage) ratio | 9.2720% | 4,168 |
| Tier 1 risk-based capital ratio | 16.6500% | 2,422 |
| Total risk-based capital ratio | 17.9093% | 2,367 |
| Memoranda: | ||
| Average total assets | $8,975,330 | 7,805 |
| Average earning assets | $7,913,330 | 7,791 |
| Average equity | $807,670 | 7,815 |
| Average total loans | $6,240,670 | 7,687 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4657% | 385 |
| Cost of funding earning assets | 1.5908% | 3,015 |
| Net interest margin | 4.8749% | 557 |
| Noninterest income to average assets | 1.0358% | 1,190 |
| Noninterest expense to average assets | 5.1790% | 323 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.1351% | 5,905 |
| Return on assets (ROA) | 0.1351% | 6,030 |
| Pretax return on assets | 0.1351% | 6,049 |
| Return on Equity (ROE) | 1.5085% | 5,955 |
| Retained earnings to average equity (ytd only) | 1.5085% | 5,189 |
| Net charge-offs to loans | -0.1290% | 7,570 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.4576% | 944 |
| Assets per employee ($millions) | 1.1324% | 7,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5067% | 3,877 |
| Loan loss allowance to noncurrent loans | 50.5495% | 4,959 |
| Noncurrent assets plus other real estate owned to assets | 4.6915% | 1,412 |
| Noncurrent loans to loans | 2.9807% | 2,691 |
| Net loans and leases to total assets | 66.3870% | 3,776 |
| Net loans and leases to deposits | 74.4491% | 4,676 |
| Net loans and leases to core deposits | 74.4491% | 5,449 |
| Total domestic deposits to total assets | 89.1710% | 1,431 |
| Equity capital to assets | 8.7979% | 5,558 |
| Core capital (leverage) ratio | 9.0522% | 4,469 |
| Tier 1 risk-based capital ratio | 15.8546% | 2,704 |
| Total risk-based capital ratio | 17.1120% | 2,649 |
| Memoranda: | ||
| Average total assets | $8,882,000 | 7,908 |
| Average earning assets | $7,795,000 | 7,895 |
| Average equity | $795,500 | 7,910 |
| Average total loans | $6,200,500 | 7,787 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0887% | 244 |
| Cost of funding earning assets | 1.5925% | 5,055 |
| Net interest margin | 5.4962% | 186 |
| Noninterest income to average assets | 1.7161% | 488 |
| Noninterest expense to average assets | 6.3705% | 264 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.1605% | 5,017 |
| Return on assets (ROA) | 0.1605% | 5,092 |
| Pretax return on assets | 0.1605% | 5,087 |
| Return on Equity (ROE) | 1.6414% | 5,040 |
| Retained earnings to average equity (ytd only) | 1.6414% | 3,936 |
| Net charge-offs to loans | -0.1387% | 7,900 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5425% | 1,236 |
| Assets per employee ($millions) | 1.0881% | 7,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4297% | 4,077 |
| Loan loss allowance to noncurrent loans | 3,000.0000% | 138 |
| Noncurrent assets plus other real estate owned to assets | 2.8260% | 2,482 |
| Noncurrent loans to loans | 0.0477% | 7,315 |
| Net loans and leases to total assets | 71.2809% | 2,932 |
| Net loans and leases to deposits | 81.1323% | 3,773 |
| Net loans and leases to core deposits | 84.7793% | 5,643 |
| Total domestic deposits to total assets | 87.8576% | 2,039 |
| Equity capital to assets | 9.1212% | 4,951 |
| Core capital (leverage) ratio | 9.1829% | 4,148 |
| Tier 1 risk-based capital ratio | 15.6636% | 2,650 |
| Total risk-based capital ratio | 16.9183% | 2,596 |
| Memoranda: | ||
| Average total assets | $8,099,800 | 7,991 |
| Average earning assets | $7,095,800 | 7,981 |
| Average equity | $792,000 | 7,996 |
| Average total loans | $5,767,200 | 7,870 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1764% | 237 |
| Cost of funding earning assets | 1.5926% | 5,433 |
| Net interest margin | 5.5838% | 169 |
| Noninterest income to average assets | 1.7613% | 468 |
| Noninterest expense to average assets | 6.4077% | 259 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.2349% | 5,041 |
| Return on assets (ROA) | 0.2349% | 5,119 |
| Pretax return on assets | 0.2349% | 5,215 |
| Return on Equity (ROE) | 2.3588% | 5,043 |
| Retained earnings to average equity (ytd only) | 2.3588% | 4,006 |
| Net charge-offs to loans | -0.1893% | 7,971 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.4646% | 1,253 |
| Assets per employee ($millions) | 1.0141% | 8,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4625% | 3,632 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.9459% | 2,348 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 74.7442% | 2,304 |
| Net loans and leases to deposits | 85.9898% | 3,317 |
| Net loans and leases to core deposits | 90.1844% | 5,416 |
| Total domestic deposits to total assets | 86.9222% | 2,217 |
| Equity capital to assets | 9.8361% | 4,307 |
| Core capital (leverage) ratio | 9.8849% | 3,421 |
| Tier 1 risk-based capital ratio | 16.2431% | 2,539 |
| Total risk-based capital ratio | 17.5036% | 2,477 |
| Memoranda: | ||
| Average total assets | $7,948,500 | 8,077 |
| Average earning assets | $6,948,500 | 8,068 |
| Average equity | $791,500 | 8,080 |
| Average total loans | $5,635,250 | 7,953 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0486% | 292 |
| Cost of funding earning assets | 1.6244% | 5,641 |
| Net interest margin | 5.4242% | 201 |
| Noninterest income to average assets | 1.8242% | 439 |
| Noninterest expense to average assets | 6.4355% | 273 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.1267% | 5,487 |
| Return on assets (ROA) | 0.1267% | 5,590 |
| Pretax return on assets | 0.1267% | 5,610 |
| Return on Equity (ROE) | 1.2669% | 5,550 |
| Retained earnings to average equity (ytd only) | 1.2669% | 4,638 |
| Net charge-offs to loans | -0.2563% | 8,053 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.0695% | 1,263 |
| Assets per employee ($millions) | 0.9970% | 8,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5031% | 3,174 |
| Loan loss allowance to noncurrent loans | 2,225.0000% | 185 |
| Noncurrent assets plus other real estate owned to assets | 2.7583% | 2,334 |
| Noncurrent loans to loans | 0.0676% | 7,357 |
| Net loans and leases to total assets | 73.1194% | 2,933 |
| Net loans and leases to deposits | 84.1923% | 3,845 |
| Net loans and leases to core deposits | 88.3369% | 5,690 |
| Total domestic deposits to total assets | 86.8480% | 2,336 |
| Equity capital to assets | 9.9047% | 4,076 |
| Core capital (leverage) ratio | 10.0508% | 3,244 |
| Tier 1 risk-based capital ratio | 16.3734% | 2,489 |
| Total risk-based capital ratio | 17.6361% | 2,434 |
| Memoranda: | ||
| Average total assets | $7,893,670 | 8,172 |
| Average earning assets | $6,895,000 | 8,163 |
| Average equity | $789,330 | 8,173 |
| Average total loans | $5,462,330 | 8,047 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8207% | 466 |
| Cost of funding earning assets | 1.5740% | 6,146 |
| Net interest margin | 5.2467% | 259 |
| Noninterest income to average assets | 1.4263% | 694 |
| Noninterest expense to average assets | 6.2146% | 267 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.2038% | 6,558 |
| Return on assets (ROA) | -0.2038% | 6,644 |
| Pretax return on assets | -0.2038% | 6,578 |
| Return on Equity (ROE) | -2.0279% | 6,662 |
| Retained earnings to average equity (ytd only) | -2.0279% | 6,112 |
| Net charge-offs to loans | -0.1529% | 7,973 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.3898% | 1,003 |
| Assets per employee ($millions) | 0.9673% | 8,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5789% | 2,607 |
| Loan loss allowance to noncurrent loans | 121.7391% | 2,572 |
| Noncurrent assets plus other real estate owned to assets | 4.1484% | 1,224 |
| Noncurrent loans to loans | 1.2970% | 4,383 |
| Net loans and leases to total assets | 67.6661% | 4,213 |
| Net loans and leases to deposits | 78.2544% | 4,886 |
| Net loans and leases to core deposits | 80.6904% | 6,333 |
| Total domestic deposits to total assets | 86.4694% | 2,466 |
| Equity capital to assets | 10.1706% | 3,796 |
| Core capital (leverage) ratio | 10.0734% | 3,320 |
| Tier 1 risk-based capital ratio | 17.3124% | 2,242 |
| Total risk-based capital ratio | 18.5743% | 2,185 |
| Memoranda: | ||
| Average total assets | $7,852,500 | 8,221 |
| Average earning assets | $6,861,500 | 8,211 |
| Average equity | $789,000 | 8,227 |
| Average total loans | $5,233,000 | 8,104 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1769% | 781 |
| Cost of funding earning assets | 2.0049% | 6,401 |
| Net interest margin | 5.1720% | 359 |
| Noninterest income to average assets | 1.6687% | 495 |
| Noninterest expense to average assets | 6.2162% | 373 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -0.0127% | 6,389 |
| Return on assets (ROA) | -0.0127% | 6,248 |
| Pretax return on assets | -0.0127% | 6,170 |
| Return on Equity (ROE) | -0.1261% | 6,250 |
| Retained earnings to average equity (ytd only) | -0.1261% | 5,314 |
| Net charge-offs to loans | -0.0585% | 8,041 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.2053% | 977 |
| Assets per employee ($millions) | 0.9959% | 8,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5935% | 2,273 |
| Loan loss allowance to noncurrent loans | 512.5000% | 845 |
| Noncurrent assets plus other real estate owned to assets | 2.7112% | 1,741 |
| Noncurrent loans to loans | 0.3109% | 6,446 |
| Net loans and leases to total assets | 63.5622% | 5,360 |
| Net loans and leases to deposits | 73.2215% | 5,927 |
| Net loans and leases to core deposits | 77.9677% | 6,751 |
| Total domestic deposits to total assets | 86.8081% | 2,028 |
| Equity capital to assets | 9.9285% | 4,124 |
| Core capital (leverage) ratio | 9.7968% | 3,649 |
| Tier 1 risk-based capital ratio | 17.7067% | 2,117 |
| Total risk-based capital ratio | 18.9682% | 2,054 |
| Memoranda: | ||
| Average total assets | $7,850,400 | 8,274 |
| Average earning assets | $6,883,200 | 8,267 |
| Average equity | $793,200 | 8,288 |
| Average total loans | $5,132,200 | 8,155 |